Financials
- Financial year
- 2025
- Total assets
- €84,163
- Loss
- -€40,661
- Solvency
- -24.5%
InsurGroup
ActiveSummary
InsurGroup has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€20,661) and a net result of -€40,661. Its solvency ranks better than 6% of 38,753 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Insurance agents and brokers NACE 66220
1 site
Size
€84,163total assets 2025
- Equity
- -€20,661
- Loss
- -€40,661
Turnover not published (micro format)
Structure
Accounts filed 26 days late
Why 53raises riskCapped at 59: negative equityNegative equity -€20,661Loss of €40,661 (financial year 2025)lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €84,163Show the evidence
Checked score
Score 2025
53
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 14% of its sector peers (NACE 70, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength
Weak
Solvency
0
equity -24.5% of total assets
Liquidity
50
short-term debt 124.5% · cash 44.7%
Profitability
0
return on assets -48.3%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 0.4%highest value
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.3%▼ -0.1 percentage points vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.45, below 1; short-term debt: 124.5% and cash: 44.7% of total assets), and equity is negative.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 70, micro): better than 6% on solvency, 33% on liquidity and 4% on profitability.
The bankruptcy probability was computed on 14-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2025, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 1 filingDeviation from the deadline
2025
26 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
- IncorporationAppointment: Laurent BRUGMANS (director) ·…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 19-06-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 35
- Annual meeting
- Second Tuesday of June
- Purpose
- “Le courtage en assurances de toute nature,quelle que soit la branche; Dans le domaine des…” (deed in French)
- Statutory auditor
- No statutory auditor
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