InZert 3D
ActiveThe computed 12-month bankruptcy probability of InZert 3D is 1.5% (moderate). The 2025 annual accounts show equity of €38k and a net result of €-30k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 7993 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-18
Solvency34▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.53 against 1.93 in 2024; short-term debt: 49.1% and cash: 5.3% of total assets), and 90.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
9.1%
Return on assets
-7.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 7993 sector peers (2025).
NBB · sector comparisonPosition among 7993 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
30 d late
2024
89 d late
2023
5 d early
2022
29 d late
2021
9 d early
2020
17 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€38k▼ 44.0%
2024 · €67k
2020: €28k
2021: €-21k
2022: €32k
2023: €60k
2024: €67k
2020 → 2025
Total assets
€417k▲ 43.6%
2024 · €290k
2020: €123k
2021: €195k
2022: €214k
2023: €280k
2024: €290k
2020 → 2025
Net result
€-30k
2024 · €8k
2020: €8k
2021: €-48k
2022: €52k
2023: €28k
2024: €8k
2020 → 2025
Working capital
€-96k
2024 · €52k
2020: €37k
2021: €-12k
2022: €56k
2023: €84k
2024: €52k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-21k-€32k€60k▲ 88.4%€67k▲ 12.6%€38k▼ 44.0%
Operating result€-44k-€60k€36k▼ 39.7%€13k▼ 64.2%€-22k
Net result€-48k-€52k€28k▼ 46.4%€8k▼ 73.1%€-30k
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 turns negative in 2025: a loss of €22k after €13k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €417k
Fixed assets
€308k▲ 69.6%
Current assets
€109k▲ 0.2%
Equity and liabilities €417k
Equity
€38k▼ 44.0%
Debt
€379k▲ 70.1%
The debt ratio rises from 76.8% to 90.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €22k
Cash flow
€17k▼
2024 · €17k
Solvency
9.1%▼
2024 · 23.2%
Current ratio
0.53▼
2024 · 1.93
Quick ratio
0.44▼
2024 · 1.57
Debt / equity
10.05▲
2024 · 3.31
ROE
-78.7%▼
2024 · 11.2%
ROA
-7.1%▼
2024 · 2.6%
Interest coverage
3.27▼
2024 · 3.94
Debt
€379k▲
2024 · €223k
Debt ≤ 1 year
€205k▲
2024 · €56k
Debt > 1 year
€173k▲
2024 · €166k
Staff costs
€40k▼
2024 · €63k
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€290k€417k▲
Fixed assets21/28€182k€308k▲
Tangible fixed assets22/27€182k€308k▲
Plant, machinery and equipment23€150k€293k▲
Furniture and vehicles24€21k€10k▼
Leasing and similar rights25€2k€1k▼
Other tangible fixed assets26€9k€4k▼
Current assets29/58€109k€109k▲
Stocks and contracts in progress3€20k€19k▼
Stocks30/36€20k€19k▼
Amounts receivable within one year40/41€55k€68k▲
Trade receivables40-€45k
Other amounts receivable41€55k€23k▼
Cash at bank and in hand54/58€29k€22k▼
Deferred charges and accrued income490/1€5k-
Equity and liabilities
Total equity and liabilities10/49€290k€417k▲
Equity10/15€67k€38k▼
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Reserves13€40k€40k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€8k€-22k▼
Amounts payable17/49€223k€379k▲
Amounts payable after more than one year17€166k€173k▲
Financial debts170/4€166k€173k▲
Amounts payable within one year42/48€56k€205k▲
Current portion of amounts payable after more than one year42€22k€21k▼
Trade debts44€3k€158k▲
Suppliers440/4€3k€158k▲
Taxes, remuneration and social security45€32k€25k▼
Taxes450/3€18k€17k▼
Remuneration and social security454/9€14k€9k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€63k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€46k▲
Other operating charges640/8€3k€956▼
Gross operating margin9900€88k€65k▼
Operating profit (loss)9901€13k€-22k▼
Financial income75/76B€2k€26▼
Recurring financial income75€2k€26▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€10k€-30k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€8k€-30k▼
Profit (loss) for the period to be appropriated9905€8k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-22k▼
Profit (loss) brought forward from the previous period14P-€8k
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 89 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 2.81
Current ratio from 0.76 to 2.81; short-term debt falls from €52k to €31k.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-48k ▼717%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Westerlo · 1 establishment unit since 2019
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.
de Merodedreef 1242260 WesterloGround area
1,004 m²
Building footprint
174 m²
Volume, LiDAR
1,129 m³
Parcel 13049B0387/00K000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
InZert 3D
since 20192.290.313.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0387/00K000 | Flanders | 1,004 m² | 1 · 173 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 3 entries · 13,250 EUR awarded · 13,250 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,000 EUR | 3,000 EUR |
| 2023 | 2 | 10,250 EUR | 10,250 EUR |
Schemes
Subsidies voor internationaal ondernemen
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
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Of 977 companies in sector 46431 we hold annual accounts for 705. 371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2019
Fiscal year end31-12
Activities, NACEBEL
46431Wholesale of electrical household appliances and audio-video equipment
74109Other professional, scientific and technical activities
74140Other specialised design activities
47400Retail sale of information and communication equipment
47430Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.