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INSPEC CONSULT

Active
Private limited companyfounded 20215 yrs activeScharent 60, 3150 Haacht, BelgiumKBO/BCE: BE 0764.673.962

The file of INSPEC CONSULT contains 2 judicial reorganisation notices, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 21.1% (high). The 2024 annual accounts show equity of €204,833 and a net result of €24,142. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 65% of 37951 sector peers (fiscal year 2024).

Checked score

Score 2024
Axes · tick = 2023
Profitability58▼-38
Solvency96▲+2
Growth68▼-17
Track record54
Bankruptcy probability, 12 months
21.1% High
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days only on tighter terms
Liquidity ample (current ratio 3.47 against 3.22 in 2023; short-term debt: 28.8% and cash: 2.4% of total assets), and 28.8% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
raises risk · Judicial reorganisation on record
A judicial reorganisation is on record, and one often precedes a bankruptcy.
Belgian State Gazette
raises risk · Recent warning signals
The last 24 months brought warning signals in the Staatsblad or the KBO, and those often pile up before a bankruptcy.
Belgian State Gazette
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-02-2026, 209 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filings
Deviation from the deadline
2025
not confirmed
2024
209 d late
2023
77 d late
2022
433 d late
2021
421 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 285 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 5 March 2021, INSPEC CONSULT was incorporated as a Private limited company.1 Revenue went from EUR 94,215 in 2021 to EUR 173,694 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2021 and 2024

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Financials · fiscal year 2024, micro schema

Turnover
€173,694▼ 6.4%
2023 · €185,570
EBIT margin
17.5%▼ 25.5pp
2023 · 43.0%
Net result
€24,142▼ 60.9%
2023 · €61,814
Working capital
€204,833▲ 13.4%
2023 · €180,691
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2021202220232024
Turnover€94,215-€166,624▲ 76.9%€185,570▲ 11.4%€173,694▼ 6.4%
Operating result€51,131-€78,531▲ 53.6%€79,745▲ 1.5%€30,434▼ 61.8%
Net result€51,131within the sector's middle half-€65,246above the sector's middle half▲ 27.6%€61,814within the sector's middle half▼ 5.3%€24,142within the sector's middle half▼ 60.9%
EBIT margin54.3%-47.1%▼ 7.1pp43.0%▼ 4.2pp17.5%▼ 25.5pp
Equity€53,631below the sector's middle half-€118,877within the sector's middle half▲ 122%€180,691within the sector's middle half▲ 52.0%€204,833within the sector's middle half▲ 13.4%
Total assets€92,928below the sector's middle half-€180,000within the sector's middle half▲ 93.7%€261,948within the sector's middle half▲ 45.5%€287,710within the sector's middle half▲ 9.8%
Debt€39,297-€61,123▲ 55.5%€81,257▲ 32.9%€82,877▲ 2.0%
Working capital€53,631within the sector's middle half-€118,877within the sector's middle half▲ 122%€180,691above the sector's middle half▲ 52.0%€204,833above the sector's middle half▲ 13.4%
Solvency57.7%within the sector's middle half-66.0%within the sector's middle half▲ 8.3pp69.0%within the sector's middle half▲ 2.9pp71.2%within the sector's middle half▲ 2.2pp
Current ratio2.36within the sector's middle half-2.94within the sector's middle half▲ 0.583.22within the sector's middle half▲ 0.283.47within the sector's middle half▲ 0.25
Return on assets (ROA)55.0%above the sector's middle half-36.2%above the sector's middle half▼ 18.8pp23.6%within the sector's middle half▼ 12.6pp8.4%within the sector's middle half▼ 15.2pp
above within below the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000€60,000€80,000Operating result 2021: €51,131€51,131Net result 2021: €51,131€51,131Operating result 2022: €78,531€78,531Net result 2022: €65,246€65,246Operating result 2023: €79,745€79,745Net result 2023: €61,814€61,814Operating result 2024: €30,434€30,434Net result 2024: €24,142€24,1422021202220232024€0€20,000€40,000€60,000€80,000Operating result 2022: €78,531€78,500Net result 2022: €65,246€65,200Operating result 2023: €79,745€79,700Net result 2023: €61,814€61,800Operating result 2024: €30,434€30,400Net result 2024: €24,142€24,100202220232024
The operating result falls in 2024; 2024 is 62% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €287,710
Equity €204,833 ▲ 13.4%
Debt €82,877 ▲ 2.0%
Debt's share of the balance-sheet total falls from 31.0% to 28.8%. Equity and debt are higher.
Key figures and ratios
2024 value · change against 2023
Debt to equity
0.40▼
2023 · 0.45
ROE
11.8%▼
2023 · 34.2%
Debt ≤ 1 year
€82,877▲
2023 · €81,257
Income taxes
€6,095▼
2023 · €17,701
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
3.4% stopped otherwise
95% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 21.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 31 lines
Balance sheet Code20232024
Assets
Total assets20/58€261,948€287,710▲
Current assets29/58€261,948€287,710▲
Amounts receivable within one year40/41€246,247€280,945▲
Trade receivables40€77,782€81,744▲
Other amounts receivable41€168,465€199,201▲
Cash at bank and in hand54/58€15,701€6,765▼
Equity and liabilities
Total equity and liabilities10/49€261,948€287,710▲
Equity10/15€180,691€204,833▲
Contributions10/11€2,500€2,500=
Profit (loss) carried forward14€178,191€202,333▲
Amounts payable17/49€81,257€82,877▲
Amounts payable within one year42/48€81,257€82,877▲
Current portion of amounts payable after more than one year42€9,500€4,500▼
Trade debts44€1,519€960▼
Suppliers440/4€1,519€960▼
Taxes, remuneration and social security45€70,220€77,399▲
Taxes450/3€70,220€77,399▲
Other amounts payable47/48€18€18=
Income statement Code20232024
Turnover70€185,570€173,694▼
Goods, raw materials, services and sundry goods60/61€89,542€143,260▲
Other operating charges640/8€24,960€36,046▲
Gross operating margin9900€104,705€66,480▼
Operating profit (loss)9901€79,745€30,434▼
Financial charges65/66B€230€197▼
Recurring financial charges65€230€197▼
Profit (loss) for the period before taxes9903€79,515€30,237▼
Income taxes67/77€17,701€6,095▼
Profit (loss) for the period9904€61,814€24,142▼
Profit (loss) for the period to be appropriated9905€61,814€24,142▼
Appropriation of the result
Profit (loss) to be appropriated9906€178,191€202,333▲
Profit (loss) brought forward from the previous period14P€116,377€178,191▲

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2021202220232024Change
Turnover70€94,215€166,624€185,570€173,694▼ 6.4%
Goods, raw materials, services and sundry goods60/61€30,301€90,506€89,542€143,260▲ 60.0%
Other operating charges640/8€12,783€4,385€24,960€36,046▲ 44.4%
Gross operating margin9900€63,914€82,916€104,705€66,480▼ 36.5%
Operating profit (loss)9901€51,131€78,531€79,745€30,434▼ 61.8%
Financial charges65/66B-€205€230€197▼ 14.3%
Recurring financial charges65-€205€230€197▼ 14.3%
Profit (loss) for the period before taxes9903€51,131€78,326€79,515€30,237▼ 62.0%
Income taxes67/77-€13,080€17,701€6,095▼ 65.6%
Profit (loss) for the period9904€51,131€65,246€61,814€24,142▼ 60.9%
Profit (loss) for the period to be appropriated9905€51,131€65,246€61,814€24,142▼ 60.9%
Line2021202220232024Change
Assets
Total assets20/58€92,928€180,000€261,948€287,710▲ 9.8%
Current assets29/58€92,928€180,000€261,948€287,710▲ 9.8%
Amounts receivable within one year40/41€78,484€179,047€246,247€280,945▲ 14.1%
Trade receivables40€38,903€77,044€77,782€81,744▲ 5.1%
Other amounts receivable41€39,581€102,003€168,465€199,201▲ 18.2%
Cash at bank and in hand54/58€14,444€953€15,701€6,765▼ 56.9%
Equity and liabilities
Total equity and liabilities10/49€92,928€180,000€261,948€287,710▲ 9.8%
Equity10/15€53,631€118,877€180,691€204,833▲ 13.4%
Contributions10/11€2,500€2,500€2,500€2,500=
Profit (loss) carried forward14€51,131€116,377€178,191€202,333▲ 13.5%
Amounts payable17/49€39,297€61,123€81,257€82,877▲ 2.0%
Amounts payable within one year42/48€39,297€61,123€81,257€82,877▲ 2.0%
Current portion of amounts payable after more than one year42€4,500€11,500€9,500€4,500▼ 52.6%
Trade debts44€2,876€1,846€1,519€960▼ 36.8%
Suppliers440/4€2,876€1,846€1,519€960▼ 36.8%
Taxes, remuneration and social security45€31,921€47,760€70,220€77,399▲ 10.2%
Taxes450/3€31,921€47,760€70,220€77,399▲ 10.2%
Other amounts payable47/48-€17€18€18=
Line2021202220232024Change
Profit (loss) for the period9904€51,131€65,246€61,814€24,142▼ 60.9%
Operating cash flow (approximation)€51,131€65,246€61,814€24,142▼ 60.9%
Change in cash--€13,491€14,748-€8,936▼ 161%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
25-02
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 209 days late
2025
24-06
Judicial reorganisation Plan homologation
Ondernemingsrechtbank Leuven · event 19-06-2025
25-04
Judicial reorganisation Opening
Ondernemingsrechtbank Leuven · collective agreement · event 22-04-2025
2024
31-12
Financial Weakest financial yearnet €24,142 ▼60.9%
Net result drops to €24,142, the lowest in the series.
31-12
Financial Equity above €200,000Eq €204,833 ▲13.4%
4 profitable years in a row build equity to €204,833.
16-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
06-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 433 days late
2023
31-12
Financial Equity above €150,000Eq €180,691 ▲52%
3 profitable years in a row build equity to €180,691.
25-09
NBB filing Annual accounts filed
fiscal year 2021 · full schema · 421 days late
2022
31-12
Financial Highest result since 2021net €65,246 ▲27.6%
Net result €65,246, the highest in the series.
31-12
Financial Equity above €100,000Eq €118,877 ▲122%
2 profitable years in a row build equity to €118,877.
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Haacht · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
531 m²
Building footprint
150 m²
Volume, LiDAR
1,355 m³
Parcel 24033C0176/00L000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
INSPEC CONSULT
Scharent 60, 3150 HaachtNon-specialised wholesale trade
since 20212.318.063.933
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
24033C0176/00L000 Flanders 531 m² 1 · 150 m² 11.1 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,601 companies in this sector we hold annual accounts for 52,629. 39,831 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPrivate limited company
Founded05-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46900Non-specialised wholesale trade
65111Insurance, reinsurance and pension funding, except compulsory social security
E-invoicing
Reachable via Peppol
Peppol ID 0208:0764673962
Also 9925:BE0764673962
Registered 06-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.