Enduring Insight Advisory
ActiveSummary
Enduring Insight Advisory has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.73M and a net result of €610k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+11
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €480k at 30 days acceptable
Liquidity ample (current ratio 12.94 against 8.07 in 2024; short-term debt: 7.7% and cash: 3.5% of total assets), and 7.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
92.3%
Return on assets
9.8%
Age of the figures
16 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-05-2025 was due by 31-12-2025 and was filed on 05-01-2026, 5 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
5 d late
2024
6 d late
2023
179 d late
2022
531 d late
2021
22 d early
2020
266 d late
2019
632 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-05-2026 and is due by 31-12-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-05-2026 close24-09-2026 today31-12-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.73M▲ 11.9%
2024 · €5.12M
2019: €3.32M
2020: €3.70M
2021: €4.07M
2022: €4.47M
2023: €5.01M
2024: €5.12M
2019 → 2025
Total assets
€6.21M▲ 6.3%
2024 · €5.84M
2019: €3.57M
2020: €4.03M
2021: €4.60M
2022: €4.95M
2023: €5.63M
2024: €5.84M
2019 → 2025
Net result
€610k▲ 431%
2024 · €115k
2019: €424k
2020: €375k
2021: €368k
2022: €403k
2023: €536k
2024: €115k
2019 → 2025
Working capital
€5.69M▲ 12.3%
2024 · €5.07M
2019: €3.30M
2020: €3.69M
2021: €4.07M
2022: €4.47M
2023: €4.94M
2024: €5.07M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.07M-€4.47M▲ 9.9%€5.01M▲ 12.0%€5.12M▲ 2.3%€5.73M▲ 11.9%
Operating result€498k-€577k▲ 15.7%€700k▲ 21.3%€200k▼ 71.4%€877k▲ 338%
Net result€368k-€403k▲ 9.4%€536k▲ 32.9%€115k▼ 78.6%€610k▲ 431%
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 recovers in 2025; 2025 is 338% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.21M
Fixed assets
€37k ▼ 25.3%
Current assets
€6.17M ▲ 6.6%
Equity and liabilities €6.21M
Equity
€5.73M ▲ 11.9%
Debt
€477k ▼ 33.5%
Debt's share of the balance-sheet total falls from 12.3% to 7.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€889k▲
2024 · €213k
Cash flow
€622k▲
2024 · €128k
Current ratio
12.94▲
2024 · 8.07
Debt to equity
0.08▼
2024 · 0.14
ROE
10.6%▲
2024 · 2.2%
ROA
9.8%▲
2024 · 2.0%
Interest coverage
38.94▲
2024 · 5.85
Debt ≤ 1 year
€477k▼
2024 · €717k
Income taxes
€340k▲
2024 · €162k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.84M€6.21M▲
Fixed assets21/28€50k€37k▼
Tangible fixed assets22/27€50k€37k▼
Furniture and vehicles24€50k€37k▼
Current assets29/58€5.79M€6.17M▲
Amounts receivable after more than one year29€5.29M€5.90M▲
Other amounts receivable291€5.29M€5.90M▲
Amounts receivable within one year40/41€371k€56k▼
Trade receivables40€281k€29k▼
Other amounts receivable41€91k€27k▼
Cash at bank and in hand54/58€122k€216k▲
Equity and liabilities
Total equity and liabilities10/49€5.84M€6.21M▲
Equity10/15€5.12M€5.73M▲
Contributions10/11€169k€169k=
Outside capital11€169k-
Other1109/19€169k-
Reserves13€2.81M€3.42M▲
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Distributable reserves133€2.79M€3.40M▲
Profit (loss) carried forward14€2.14M€2.14M=
Amounts payable17/49€717k€477k▼
Amounts payable within one year42/48€717k€477k▼
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€168k€228k▲
Taxes450/3€168k€228k▲
Other amounts payable47/48€548k€236k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€2k€10k▲
Gross operating margin9900€215k€899k▲
Operating profit (loss)9901€200k€877k▲
Financial income75/76B€113k€96k▼
Recurring financial income75€113k€96k▼
Financial charges65/66B€36k€23k▼
Recurring financial charges65€36k€23k▼
Profit (loss) for the period before taxes9903€276k€950k▲
Income taxes67/77€162k€340k▲
Profit (loss) for the period9904€115k€610k▲
Profit (loss) for the period to be appropriated9905€115k€610k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.26M€2.75M▲
Profit (loss) brought forward from the previous period14P€2.14M€2.14M=
Transfer to equity691/2€114k€610k▲
To other reserves6921€114k€610k▲
The notes to these accounts (7 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
25-08
State Gazette act
Resignation: HEMSCHOOTE Piet Jozef Roger (manager)Appointment: HEMSCHOOTE Piet Jozef Roger (non-statutory director) · Statutes amendment · Reserve release12 facts ▸
State Gazette act
Resignation: HEMSCHOOTE Piet Jozef Roger (manager)
Appointment: HEMSCHOOTE Piet Jozef Roger (non-statutory director) · Statutes amendment · Reserve release12 facts ▸
- General meeting, 18-08-2026
- Statutes amendment
- Reserve release, Statutair onbeschikbare eigen vermogensrekening opgeheven en middelen beschikbaar gemaakt voor uitkering
- Name change, Enduring Insight Advisory
- Purpose change, I. Specifieke activiteiten: De vennootschap heeft tot voorwerp zowel in België als in het buitenland, voor eigen rekening, voor rekening van derden of in deelne…
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Director resignation, HEMSCHOOTE Piet Jozef Roger (manager)
- Director appointment, HEMSCHOOTE Piet Jozef Roger (non-statutory director)
- Mandate compensation, HEMSCHOOTE Piet Jozef Roger
- Statutes amendment
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 5 days late
2025
31-05
Financial
Highest result since 2019net €610k ▲431%
Operating result €877k, net result €610k, both a record.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 179 days late
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 531 days late
31-05
Financial
Weakest financial yearnet €115k ▼78.6%
Net result drops to €115k, the lowest in the series; recovery starts the following year.
2023
31-05
Financial
Equity above €5MEq €5.01M ▲12%
5 profitable years in a row build equity to €5.01M.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 266 days late
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 632 days late
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 980 days late
2018
27-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 696 days late
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 120 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
HEMSCHOOTE Piet Jozef Roger
CurrentNon-statutory director · since 18-08-2026
18-08-2026
Resigned as Manager
18-08-2026
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Knokke-Heist
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.
Sylvain Dupuisstraat 348300 Knokke-HeistGround area
263 m²
Building footprint
262 m²
Volume, LiDAR
4,543 m³
Parcel 31013A0468/00E000, Flanders · tallest building 23.8 m, ±7 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0468/00E000 | Flanders | 263 m² | 1 · 262 m² | 23.8 m · 7 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.
Similar companies · same sector, comparable size
GERT VANHEES
BE 0866.677.974
Mechelen · Eq €5.22M
Lieve CRETEN
BE 0859.895.991
Bonheiden · Eq €6.54M
Marleen Defoer
BE 0849.191.745
Zottegem · Eq €4.71M
CALLENS VANDELANOTTE
BE 0433.608.707
Kortrijk · Eq €7.11M
MICHEL DENAYER
BE 0480.494.745
Rixensart · Eq €7.27M
Of 944 companies in sector 69203 we hold annual accounts for 659. 180 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-07-2005
Fiscal year end31-05
Legal name NL
PIET HEMSCHOOTE
Activities, NACEBEL 2025
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.