INSU-BUILD
ActiveINSU-BUILD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.87M and a net result of €16. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 73% of 5495 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-04-2026, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
29 d late
2023
28 d late
2022
83 d early
2021
41 d early
2020
12 d early
2019
73 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.87M=
2024 · €1.87M
2018: €1.78M
2019: €1.79M
2020: €1.81M
2021: €1.81M
2022: €1.77M
2023: €1.87M
2024: €1.87M
2018 → 2025
Net result
€16▼ 94.6%
2024 · €288
2018: €46k
2019: €1k
2020: €28k
2021: €14k
2022: €-42k
2023: €95k
2024: €288
2018 → 2025
Total assets
€2.41M▼ 4.8%
2024 · €2.54M
2018: €2.88M
2019: €2.93M
2020: €2.92M
2021: €2.84M
2022: €2.65M
2023: €2.93M
2024: €2.54M
2018 → 2025
Solvency
77.3%▲ 3.7pp
2024 · 73.6%
2018: 62.0%
2019: 61.0%
2020: 62.1%
2021: 63.9%
2022: 66.9%
2023: 63.6%
2024: 73.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.81M-€1.77M▼ 2.3%€1.87M▲ 5.4%€1.87M=€1.87M=
Operating result€-17k-€-78k▼ 373%€71k€-83k€-103k▼ 25.1%
Net result€14k-€-42k€95k€288▼ 99.7%€16▼ 94.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €103k in 2025 against €83k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.41M
Fixed assets
€588k▼ 12.3%
Current assets
€1.83M▼ 2.2%
Equity and liabilities €2.41M
Equity
€1.87M=
Debt
€547k▼ 18.3%
The debt ratio falls from 26.4% to 22.7%: debt is paid down.
Key figures and ratios
Solvency
77.3%▲
2024 · 73.6%
ROE
0.0%▼
2024 · 0.0%
ROA
0.0%▼
2024 · 0.0%
Debt
€547k▼
2024 · €670k
Debt ≤ 1 year
€115k▼
2024 · €116k
Debt > 1 year
€432k▼
2024 · €544k
Income taxes
€741▲
2024 · €239
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.54M€2.41M▼
Fixed assets21/28€670k€588k▼
Tangible fixed assets22/27€670k€588k▼
Land and buildings22€666k€586k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k-
Current assets29/58€1.87M€1.83M▼
Amounts receivable within one year40/41€1.62M€1.79M▲
Trade receivables40-€5k
Other amounts receivable41€1.62M€1.79M▲
Cash at bank and in hand54/58€246k€31k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€2.54M€2.41M▼
Equity10/15€1.87M€1.87M=
Contributions10/11€450k€450k=
Reserves13€1.24M€1.24M=
Non-distributable reserves130/1€45k€45k=
Reserves not available under the articles1311€45k€45k=
Distributable reserves133€1.19M€1.19M=
Profit (loss) carried forward14€181k€181k=
Amounts payable17/49€670k€547k▼
Amounts payable after more than one year17€544k€432k▼
Financial debts170/4€544k€432k▼
Amounts payable within one year42/48€116k€115k▼
Current portion of amounts payable after more than one year42€109k€111k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€239€741▲
Taxes450/3€239€741▲
Other amounts payable47/48-€82
Accrued charges and deferred income492/3€11k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€35k▼
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A€49k€36k▼
Gross operating margin9900€13k€-26k▼
Operating profit (loss)9901€-83k€-103k▼
Financial income75/76B€107k€116k▲
Recurring financial income75€107k€116k▲
Financial charges65/66B€24k€12k▼
Recurring financial charges65€24k€12k▼
Profit (loss) for the period before taxes9903€527€757▲
Income taxes67/77€239€741▲
Profit (loss) for the period9904€288€16▼
Profit (loss) for the period to be appropriated9905€288€16▼
Appropriation of the result
Profit (loss) to be appropriated9906€181k€181k=
Profit (loss) brought forward from the previous period14P€181k€181k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-06
State Gazette act
Capital & shares · Resignations & appointments · RestructuringGeneral meeting · Merger · Dissolution9 facts ▸
State Gazette act
Capital & shares · Resignations & appointments · Restructuring
General meeting · Merger · Dissolution9 facts ▸
- General meeting, 2026-05-28
- Merger, absorption, 2026-06-12
- Dissolution, 2026-06-12
- Capital increase, €396.806,74
- Share issue, gewone aandelen, 21
- Share cancellation, 99
- Mandate compensation, Tom CORSTJENS
- Power of attorney, Van Havermaet
- Statutes amendment
09-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 16.13
Current ratio from 5.24 to 16.13; short-term debt falls from €408k to €116k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Back to profitnet €95k
Net result €95k after one loss-making year.
09-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-42k ▼394%
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 73 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Eikevelden 672440 GeelGround area
1,480 m²
Building footprint
367 m²
Volume, LiDAR
2,012 m³
Parcel 13373K0013/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INSU-BUILD
since 20082.172.661.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13373K0013/00K000 | Flanders | 1,480 m² | 1 · 367 m² | 7.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Acquisitions and mergers
1 transactionTook over:HOLD-CO
Capital and shareholders
Capital increase of 396,806.74 EUR
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 11,087 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-07-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.