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INSURANTIS

Active
Private limited company (pre-2019)founded 200719 yrs activeEmiel Vermeulenstraat 128, 2980 Zoersel, BelgiumKBO/BCE: BE 0889.353.012
Summary

The annual accounts of INSURANTIS for fiscal year 2026 show a net loss of 195% of total assets and of 75% of the equity at the start of that year. The 2026 annual accounts show equity of €3,606 and a net result of -€10,704. Equity is shrinking by ~15.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisWatch ReportCompare
INSURANTISActiveChecked score 54/100
Risk analysis ReportCompare

Overview

Activity
Activity not known1 site
Size
€5,485total assets 2026
Equity
€3,606
Loss
-€10,704
Turnover not published (abridged schema)
Financial health
54 Fair Checked score 2026
Bankruptcy chance 12 m
0.8%
Structure
Accounts 163 d early0 of 2 deeds read
Why 54Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- No main activity registered- Loss of €10,704, the second in a row (FY 2026)- 1 of the last 3 late+ Size: total assets €5,485Show the evidence

Checked score

Score 2026
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 31% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2025
Average
Solvency 91-9
equity 65.7% of total assets
Liquidity 64-3
short-term debt 34.3% · cash 23.0%
Profitability 0=
return on assets -195.1%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 4.5% 12-2024: 4.5%● 0.0% vs 11-2024 01-2025: 4.5%● 0.0% vs 12-2024 02-2025: 6.3%▲ +40.2% vs 01-2025 03-2025: 6.3%● 0.0% vs 02-2025 04-2025: 6.3%● 0.0% vs 03-2025 05-2025: 6.3%● 0.0% vs 04-2025 06-2025: 6.3%● 0.0% vs 05-2025 07-2025: 6.3%● 0.0% vs 06-2025 08-2025: 6.4%▲ +2.4% vs 07-2025 09-2025: 6.4%● 0.0% vs 08-2025 10-2025: 6.4%● 0.0% vs 09-2025 11-2025: 6.6%▲ +2.9% vs 10-2025highest value 12-2025: 6.6%● 0.0% vs 11-2025highest value 01-2026: 6.6%● 0.0% vs 12-2025highest value 02-2026: 6.2%▼ -5.5% vs 01-2026 03-2026: 6.2%● 0.0% vs 02-2026 04-2026: 6.2%● 0.0% vs 03-2026 05-2026: 6.2%● 0.0% vs 04-2026 06-2026: 6.2%● 0.0% vs 05-2026 07-2026: 6.2%● 0.0% vs 06-2026 08-2026: 6.2%● 0.0% vs 07-2026 09-2026: 0.8%▼ -87.7% vs 08-2026lowest value 10-2026: 0.8%● 0.0% vs 09-2026lowest value
  • Size: total assets €5,485 lowers the probability for this profile
  • No main activity registered raises the probability
  • Loss of €10,704, the second in a row (FY 2026) raises the probability
  • 1 of the last 3 late raises the probability
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.25 against 2.86 in 2025; short-term debt: 34.3% and cash: 23% of total assets), and 34.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 55%, liquidity 60%, profitability 4%, growth against the median 6%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €5,485
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · No main activity registered
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Loss of €10,704, the second in a row (FY 2026)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026
Net result per financial year
1920222526
2019 to 2026 · latest year -€10,704
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 21-08-2026, 163 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
163 d early
2025
201 d late
2022
1 d early
2020
179 d late
2019
on the day
2018
on the day
2017
on the day
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 31 days after the deadline; the Belgian median for financial year 2022 is 3 days before the deadline, and 42% of all filings were late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today. Usually files around 31 January (4 of the last 5 filed years within 179 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today30-06-2027 close31-01-2028 deadline
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
  1. Annual accounts filedfiscal year 2026 · micro…
  2. Annual accounts filedfiscal year 2025 · micro…
  3. Weakest financial yearnet -€10,704

Key points

  • Caution: 2 loss-making years in a rowloss fiscal year 2026 -€10,704 View
  • Total assets 20265 fiscal years filed €5,485 View
  • Active since 2007founded 10-05-2007 19 years View

By topic

Financials

Fiscal year
2026
Total assets
€5,485
Loss
-€10,704
Solvency
65.7%
Total assets▼ 71.4%
Net result
20192026
Go to Financials

Timeline

Events
12
Since
2015
Next accounts
by 31-01-2028
  1. 21-08-2026Annual accounts filed
  2. 20-08-2026Annual accounts filed
  3. 30-06-2026Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Founded
10-05-2007
Year ends
30-06
Peppol
Not found in the Peppol directory
Go to Company details

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