INSURALINK
ActiveSummary
The computed 12-month bankruptcy probability of INSURALINK is 2.9% (moderate). The 2025 annual accounts show equity of €31,643 and a net result of €51,666. Equity is growing by ~96% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 3 accounts on average 26 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
History
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Financials · fiscal year 2025, micro schema
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Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 2.9% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 39,276 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €518 | €1,704 | €1,704 | = |
| Other operating charges640/8 | €384 | €387 | €684 | ▲ 76.5% |
| Gross operating margin9900 | -€8,883 | -€11,033 | €63,305 | ▲ 674% |
| Operating profit (loss)9901 | -€9,785 | -€13,124 | €60,918 | ▲ 564% |
| Financial charges65/66B | - | €114 | €252 | ▲ 121% |
| Recurring financial charges65 | - | €114 | €252 | ▲ 121% |
| Profit (loss) for the period before taxes9903 | -€9,785 | -€13,238 | €60,666 | ▲ 558% |
| Income taxes67/77 | - | - | €9,000 | - |
| Profit (loss) for the period9904 | -€9,785 | -€13,238 | €51,666 | ▲ 490% |
| Profit (loss) for the period to be appropriated9905 | -€9,785 | -€13,238 | €51,666 | ▲ 490% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €6,878 | €8,971 | €41,993 | ▲ 368% |
| Fixed assets21/28 | €5,794 | €4,090 | €2,386 | ▼ 41.7% |
| Intangible fixed assets21 | €4,594 | €2,890 | €1,186 | ▼ 59.0% |
| Financial fixed assets28 | €1,200 | €1,200 | €1,200 | = |
| Current assets29/58 | €1,084 | €4,881 | €39,607 | ▲ 711% |
| Cash at bank and in hand54/58 | €204 | €4,881 | €39,607 | ▲ 711% |
| Deferred charges and accrued income490/1 | €880 | - | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €6,878 | €8,971 | €41,993 | ▲ 368% |
| Equity10/15 | -€6,785 | -€20,023 | €31,643 | ▲ 258% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€9,785 | -€23,023 | €28,643 | ▲ 224% |
| Amounts payable17/49 | €13,664 | €28,994 | €10,350 | ▼ 64.3% |
| Amounts payable within one year42/48 | €13,664 | €28,994 | €10,350 | ▼ 64.3% |
| Trade debts44 | €163 | €12,493 | €1,350 | ▼ 89.2% |
| Suppliers440/4 | €163 | €12,493 | €1,350 | ▼ 89.2% |
| Taxes, remuneration and social security45 | - | - | €9,000 | - |
| Taxes450/3 | - | - | €9,000 | - |
| Other amounts payable47/48 | €13,501 | €16,501 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,785 | -€13,238 | €51,666 | ▲ 490% |
| + Depreciation and write-downs630 | €518 | €1,704 | €1,704 | = |
| Operating cash flow (approximation) | -€9,267 | -€11,534 | €53,370 | ▲ 563% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - |
| Change in cash | - | €4,677 | €34,726 | ▲ 642% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
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.
Directors · office · real estate
1 establishment unit
1 parcel
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92105A0105/00R002 | Wallonia | 750 m² | 1 · 67 m² | - |
Linked by address, not proof of ownership
Identification & contact
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.