Equity
€182,147 ▲ 48.5%
Equity rose in 2025 from €122,673 to €182,147.
Insolution
Overview
Lifetime
3 annual accounts with figures on one time axispeak €96,628 (2025)
€96,628▲ 11.5%
peak €66,763 (2023)
€59,474▲ 6.5%
peak €182,147 (2025)
€182,147▲ 48.5%
€94,773▼ 5.3%
Board1 name since 2023
1 directorVANBUEL Bram
Documentsfilings and deeds
22-10-202683 days late
2025micro format
Equity from €122,673 to €182,147
Key points
from the 2025 annual accountsChecked score
93
Excellent
Financially stronger than 75% of micro companies in office administrative support (NACE 82)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 12,672 companies (NACE 82, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: 0.1%▲ +0.1 percentage points vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.2%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 83 days late; 1 of the last 3 accounts late
1 change of registered office in 24 months
lowers risk
Liquidity: current ratio 3.34, cash €188,625
Sector: Office administrative, office support and other business support activities (NACE 82)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro). It does better than 66% of them on solvency, 85% on liquidity, 70% on profitability and 79% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Insolution has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Insolution itself is lower: 0.2% within 12 months. It rests on far more data about Insolution than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 39,278 companies, not a prediction for Insolution. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €16,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.34 (2.71 in 2024), above the usual 1.5. Short-term debt is 24.8% and cash 68.1% of total assets. 34.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filingsDeviation from the deadline
2025
83 days late
2024
3 days early
2023
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 26 days after the deadline. In the sector (NACE 82), the median for financial year 2024 was 7 days before the deadline, and 35% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (3 of the last 3 accounts filed within 83 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0795647448
Registered office moved to Kampenhout
New registered office: Kampenhoutsebaan 112 A te 1910 Kampenhout · Previous registered office: Langestraat 48 A te 1910 · Board meeting of 12-01-2026 · Gazette deed
Incorporation
Founding capital of €50, 500 shares · Founder: VANBUEL Bram · Appointment: VANBUEL Bram (director) · published on 05-01-2023 · Gazette deed
First establishment
Kampenhoutsebaan 112, Kampenhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Insolution Kampenhout | €276,920 | €96,628 | 65.8% | - |
| Koen Permentier Scherpenheuvel-Zichem | €271,114 | €89,916 | 35.5% | - |
| DW CONSULT Pajottegem | €303,044 | €117,830 | 83.0% | - |
| Compelling Selling Avelgem | €272,916 | €99,024 | 79.0% | - |
| Leocx Berlare | €261,254 | €96,356 | 87.6% | - |
| AJ de Bourgraaf Braine-le-Comte | €288,968 | €101,403 | 84.7% | - |
| B.B. MANAGEMENT Gesves | €262,296 | €99,962 | 61.5% | - |
These companies have the same main activity as Insolution: other business support services (NACE 82990). They are comparable in size and age: total assets between €261,000 and €303,000, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 03-01-2023Normal situation
- Activity
- Other business support servicesNACE 82990and 5 others
- Establishment unit
- 2.339.592.7851910 Kampenhout, since 03-01-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 12-05-2026
Annual accounts 2025
- €96,628▲ 11.5%
- €59,474▲ 6.5%
- €182,147▲ 48.5%
- €276,920▲ 24.3%
- Filing
- Filed on 22-10-2026
Insights on Insolution
Insolution files the micro format. That format states no turnover. The gross margin rose from €87,990 in 2023 to €96,628 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 22-10-2026, 83 days late€96,628
▲ 11.5%
€80,486
▲ 13.3%
€59,474
▲ 6.5%
€161,228
▲ 53.4%
65.8%
▲ 10.7 percentage points
3.34
▲ 0.63
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €160,000 and €270,000.
Balance sheet
balance sheet total €276,920 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
65.8%
Higher than 64% of 9,696 companies in 2025.
3.34
Higher than 69% of 9,314 companies in 2025.
21.5%
Higher than 65% of 9,438 companies in 2025.
Insolution
Middle half of the sector
80% of the sector
Micro accounts in office administrative support (NACE 82)
Net result: top quarter · Equity: top quarter · Balance sheet total: middle half · Working capital: top quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
276,920 | 222,761 | 150,301 | |
20 |
- | - | 186 | |
21/28 |
46,912 | 56,323 | 71,222 | |
22/27 |
46,912 | 56,323 | 71,222 | |
24 |
46,912 | 56,323 | 71,222 | |
29/58 |
230,008 | 166,438 | 78,892 | |
40/41 |
38,054 | - | 26,015 | |
40 |
24,935 | - | 26,015 | |
41 |
13,119 | - | - | |
54/58 |
188,625 | 162,600 | 50,946 | |
490/1 |
3,329 | 3,838 | 1,932 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
276,920 | 222,761 | 150,301 | |
10/15 |
182,147 | 122,673 | 66,813 | |
10/11 |
50 | 50 | 50 | |
14 |
182,097 | 122,623 | 66,763 | |
17/49 |
94,773 | 100,088 | 83,488 | |
17 |
25,992 | 38,780 | 51,063 | |
170/4 |
25,992 | 38,780 | 51,063 | |
42/48 |
68,780 | 61,308 | 32,424 | |
42 |
12,787 | 8,205 | 12,762 | |
44 |
8,296 | 6,241 | 1,446 | |
440/4 |
8,296 | 6,241 | 1,446 | |
45 |
47,697 | 42,578 | 18,083 | |
450/3 |
47,697 | 42,578 | 18,083 | |
47/48 |
- | 4,284 | 134 | |
| Income statement | ||||
9900 |
96,628 | 86,681 | 87,990 | |
630 |
15,711 | 15,086 | 3,669 | |
640/8 |
431 | 534 | 202 | |
9901 |
80,486 | 71,060 | 84,118 | |
75/76B |
466 | 13 | - | |
75 |
466 | 13 | - | |
65/66B |
4,941 | 365 | 331 | |
65 |
4,941 | 365 | 331 | |
9903 |
76,011 | 70,708 | 83,787 | |
67/77 |
16,537 | 14,848 | 17,023 | |
9904 |
59,474 | 55,860 | 66,763 | |
9905 |
59,474 | 55,860 | 66,763 | |
| Appropriation of the result | ||||
9906 |
182,097 | 122,623 | 66,763 | |
14P |
122,623 | 66,763 | - | |
| Document | ||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 22-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 83 days after the deadline. Filed on 22 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00565811.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 96,197 | 86,146 | 87,787 | ||
| 75,185 | 70,946 | 70,433 | ||
| 6,300 | 186 | 72,909 | ||
| 26,025 | 111,654 | - | ||
| 161,228 | 105,130 | 46,468 | ||
| 65.8% | 55.1% | 44.5% | ||
| 3.34 | 2.71 | 2.43 | ||
| 0.52 | 0.82 | 1.25 | ||
| 32.7% | 45.5% | 99.9% | ||
| 21.5% | 25.1% | 44.4% | ||
| 19.47 | over 100 | over 100 |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Tangible fixed assets | €6,300 | - | €72,909 |
| €15,711 | €15,086 | €3,669 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Insolution
The operating result for 2025 is 13% higher than in 2024. It is a recovery after the fall in 2024.
Debt's share of the balance-sheet total falls from 44.9% to 34.2%. Equity is higher and debt is lower.
Board & ownership
Board
1 director, since incorporationDirector
appointed by deed of 05-01-2023
term without a fixed end
listed in the 2025 annual accounts, filed on 22-10-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 05-01-2023
Mandates through the years
1 name, the dashed line is todayVANBUEL Bram
Director
Director
Board
Mandates as a list
- VANBUEL Bram
- Director, appointed by deed of 05-01-2023, still in office
Control
Capital
- Contribution
- €50
- Shares
- 500
- Contribution per share
- €0.10
- Equity per share
- €364 in 2025
- Source
- deed of 05-01-2023
Articles of association
deed of 05-01-2023 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, algemene vergadering die benoemt bepaalt aantal,duur en bij meerdere bevoegdheid”
- Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
- “Helft overdrager,helft koper(s) naar evenredigheid verworven aantal, elke overdracht onder levenden ten bezwarende en kosteloze titel…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Wednesday of June at 15:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 05-01-2023 ↗
- VANBUEL Bram 500 shares (100%) · €50
Network & group
No group
Insolution has no parent and no holdings in its annual accounts. VANBUEL Bram is the only director. Insolution shares no director with another company.
Timeline
Timeline
9 events since 2023Filings
Financial
Establishments
Address
2023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 83 days late
Registered in the Peppol Directory Reachable for e-invoices through 0208:0795647448
Registered office moved to KampenhoutNew registered office: Kampenhoutsebaan 112 A te 1910 Kampenhout · Previous registered office: Langestraat 48 A te 1910 · Board meeting of 12-01-20263 points ▸
- Board meeting, 12-01-2026
- Registered-office move, Kampenhoutsebaan 112 A te 1910 Kampenhout
- Power of attorney, Moore Finance & Tax BV
2025
Equity above €150,000 equity €182,147 ▲48.5% With a profit in every financial year since 2023, equity grows to €182,147.
Annual accounts 2024 filed PDFmicro format · 3 days before the deadline
2024
Equity above €100,000 equity €122,673 ▲83.6% With a profit in every financial year since 2023, equity grows to €122,673.
Annual accounts 2023 filed PDFmicro format · 1 day before the deadline
2023
IncorporationFounding capital of €50, 500 shares · Founder: VANBUEL Bram · Appointment: VANBUEL Bram (director) · published on 05-01-20235 points ▸
- Founding capital, €50, 500 shares
- Founder, VANBUEL Bram
- 500 shares
- Registered office clause, Langestraat 48/A, 1910 Kampenhout
- Director appointment, VANBUEL Bram
- The deed holds 3 more points.
First establishment Kampenhoutsebaan 112, Kampenhout
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
On 3 January 2023, Insolution was incorporated as a private limited company by one natural person, with a starting capital of €50.12 In 2026 the registered office moved to Kampenhout.3 VANBUEL Bram is director of the company, appointed by deed of 05-01-2023.2 Total assets went from €150,301 in 2023 to €276,920 in 2025.4
Company details
Identity
- Enterprise number
- 0795.647.448
- VAT number
- BE 0795.647.448
- Peppol ID
- 0208:0795647448
- Other Peppol ID
- 9925:BE0795647448
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-01-2023
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Wednesday of June at 15:00deed of 05-01-2023 (in Dutch)
- Peppol
- Reachable since 12-05-2026Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Insolution in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 05-01-2023 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 05-01-2023 (in Dutch)
Activities
NACEBEL 202582990
Other business support services main activity
Codes under NACEBEL 2008
82990
Other business support services main activity
41201
General construction of buildings
43211
Specialised construction activities
45111
46693
Wholesale trade
62020
IT consultancy
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van diensten en adviezen en het uitvoeren van consultancy- en managementopdrachten,operationeel,commercieel en/of…”deed of 05-01-2023 (in Dutch)
13 activities
- Het verlenen van diensten en adviezen en het uitvoeren van consultancy- en managementopdrachten,operationeel,commercieel en/of administratief vlak,Business Development Services,computer-consultancy activiteiten;
- Ontwikkeling,kopen,verkopen,in licentie nemen of geven en commercialisatie van alle soorten software,ontwerpen en programmeren van computerprogramma's;
- Het ontwikkelen,kopen,verkopen,in licentie nemen of geven en het in bewaring houden van octrooien,knowhow en aanverwante immateriële(duurzame)activa;
- Het onderzoek,de ontwikkeling,de vervaardiging of commercialisering van nieuwe producten,nieuwe vormen van technologie en hun toepassingen;
- Overige zakelijke dienstverlening;
- Controle onderzoeken,controle berekeningen en keuringen van installaties zoals machines,gebouwen,elektrische installaties,opslagtanks voor gevaarlijke vloeistoffen en gassen,installaties voor het fysisch behandelen van gassen,druktoestellen,stoomtoestellen,centrifuges,veiligheidskleppen,brandveiligheidsinstallaties,hijstoestellen en toebehoren,gasinstallaties,veiligheidscoördinatie,asbestinventarisatie,EPC,EPB en het opmaken en afleveren van de bijhorende wettelijke en niet wettelijke rapportage.Deze diensten kunnen zowel aangeboden worden aan B2C als B2B;
- Aankoop,verkoop,herstellingen en aanpassingen aan auto’s en motoren en alle beroepsactiviteiten gerelateerd aan de autohandelaar;
- Algemene engineering werkzaamheden;
- Las en constructie werkzaamheden aan of van allerhande installatie,aan of van componenten in de meest brede zin en de verkoop ervan;
- Fabricatie,onderhoud en herstelling,groot-en kleinhandel in airconditioning,verluchtingsapparatuur,verwarmingsapparatuur,koel-en vriestoestellen,elektriciteitswerken,domotica alsmede alle andere klimaat-en temperatuur regeling;
- Advies,engineering en studiebureel in alle technische aangelegenheden;
- Bouw,verbouwen,kopen,verkopen,verhuren,leasen,verkaveling van onroerende goederen en dit alles in de meest brede zin;
- Patrimoniumvennootschap en beheer van onroerende goederen
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Kampenhoutsebaan 112 registered office 1910 Kampenhout | 03-01-2023 | 2.339.592.785 |
Buildings and parcels at the address
- Ground area
- 1,505 m²
- Buildings
- 151 m²
- Volume, LiDAR
- 1 m³
- Tallest building
- 0.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23008A0059/00C000 | 1,505 m² | 1 · 151 m² | 0.2 m |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0795.647.448