!Nspire 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 €232k and a net result of €28k. Equity is growing by ~51.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 8013 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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 · 10 filingsDeviation from the deadline
2025
40 d late
2024
110 d late
2023
321 d late
2022
70 d late
2021
48 d early
2020
39 d early
2019
69 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▲ 13.7%
2024 · €204k
2018: €-7k
2019: €-8k
2020: €22k
2021: €61k
2022: €78k
2023: €176k
2024: €204k
2018 → 2025
Net result
€28k▼ 1.3%
2024 · €28k
2018: €-929
2019: €-1k
2020: €30k
2021: €39k
2022: €17k
2023: €98k
2024: €28k
2018 → 2025
Total assets
€524k▲ 0.2%
2024 · €524k
2018: €410k
2019: €388k
2020: €409k
2021: €420k
2022: €398k
2023: €507k
2024: €524k
2018 → 2025
Solvency
44.2%▲ 5.2pp
2024 · 39.0%
2018: -1.6%
2019: -2.1%
2020: 5.4%
2021: 14.4%
2022: 19.5%
2023: 34.6%
2024: 39.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€78k▲ 27.9%€176k▲ 126%€204k▲ 16.1%€232k▲ 13.7%
Operating result€65k-€36k▼ 45.0%€139k▲ 289%€50k▼ 64.0%€55k▲ 9.5%
Net result€39k-€17k▼ 56.1%€98k▲ 478%€28k▼ 71.2%€28k▼ 1.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €524k
Fixed assets
€383k▼ 6.1%
Current assets
€142k▲ 22.1%
Equity and liabilities €524k
Equity
€232k▲ 13.7%
Debt
€293k▼ 8.4%
The debt ratio falls from 61.0% to 55.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
44.2%▲
2024 · 39.0%
ROE
12.0%▼
2024 · 13.8%
ROA
5.3%▼
2024 · 5.4%
Debt
€293k▼
2024 · €320k
Debt ≤ 1 year
€114k▼
2024 · €133k
Debt > 1 year
€179k▼
2024 · €187k
Income taxes
€20k▲
2024 · €12k
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€524k€524k▲
Fixed assets21/28€408k€383k▼
Tangible fixed assets22/27€344k€319k▼
Land and buildings22€191k€188k▼
Furniture and vehicles24€26k€18k▼
Other tangible fixed assets26€127k€114k▼
Financial fixed assets28€64k€64k=
Current assets29/58€116k€142k▲
Amounts receivable within one year40/41€89k€125k▲
Trade receivables40€29k€38k▲
Other amounts receivable41€60k€88k▲
Cash at bank and in hand54/58€26k€15k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€524k€524k▲
Equity10/15€204k€232k▲
Contributions10/11€6k€6k=
Reserves13€198k€226k▲
Distributable reserves133€198k€226k▲
Amounts payable17/49€320k€293k▼
Amounts payable after more than one year17€187k€179k▼
Financial debts170/4€187k€179k▼
Amounts payable within one year42/48€133k€114k▼
Current portion of amounts payable after more than one year42€39k€40k▲
Financial debts43€12k€12k▼
Credit institutions430/8€12k€12k▼
Trade debts44€24k€12k▼
Suppliers440/4€24k€12k▼
Advances received on contracts in progress46€26k€26k=
Taxes, remuneration and social security45€32k€24k▼
Taxes450/3€32k€24k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€81k€85k▲
Operating profit (loss)9901€50k€55k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€40k€48k▲
Income taxes67/77€12k€20k▲
Profit (loss) for the period9904€28k€28k▼
Profit (loss) for the period to be appropriated9905€28k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€28k▼
Transfer to equity691/2€28k€28k▼
To other reserves6921€28k€28k▼
The notes to these accounts (9 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 110 days late
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 321 days late
2024
31-12
Financial
Equity above €200kEq €204k ▲16.1%
5 profitable years in a row build equity to €204k.
2023
31-12
Financial
Highest result since 2018net €98k ▲478%
Operating result €139k, net result €98k, both a record.
31-12
Financial
Equity above €150kEq €176k ▲126%
4 profitable years in a row build equity to €176k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €30k
Net result €30k after 2 loss-making years.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lummen · 1 establishment unit since 2011
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.
Morgenstraat 203560 LummenGround area
1,112 m²
Building footprint
208 m²
Volume, LiDAR
1,116 m³
Parcel 71037A1266/00E002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Morgenstraat 20, 3560 Lummen
since 20112.205.500.975
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A1266/00E002 | Flanders | 1,112 m² | 1 · 207 m² | 9.6 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.
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PROKOM
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EDGEBAY
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-11-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
93127Equestrian clubs
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.