INNOA
ActiveSummary
INNOA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-11k) and a net result of €855. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2435 sector peers (fiscal year 2025). The company has been active since 2010 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2435 sector peers (2025).
NBB · sector comparisonPosition among 2435 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
2 d early
2023
23 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
92 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-11k▲ 35.4%
2024 · €-17k
2018: €-67k
2019: €-55k
2020: €-40k
2021: €-9k
2022: €18k
2023: €-10k
2024: €-17k
2018 → 2025
Net result
€855
2024 · €-7k
2018: €2k
2019: €11k
2020: €15k
2021: €31k
2022: €26k
2023: €-28k
2024: €-7k
2018 → 2025
Total assets
€15k▲ 74.7%
2024 · €8k
2018: €110k
2019: €74k
2020: €41k
2021: €301k
2022: €77k
2023: €11k
2024: €8k
2018 → 2025
Solvency
-75.0%▲ 127.8pp
2024 · -202.7%
2018: -60.7%
2019: -74.7%
2020: -97.4%
2021: -2.9%
2022: 23.0%
2023: -87.7%
2024: -202.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-9k-€18k€-10k€-17k▼ 71.0%€-11k▲ 35.4%
Operating result€36k-€42k▲ 17.3%€-27k€-5k▲ 81.9%€5k
Net result€31k-€26k▼ 15.9%€-28k€-7k▲ 74.5%€855
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15k
Fixed assets
€100 =
Current assets
€14k ▲ 75.6%
Key figures and ratios
ROA
5.9%▲
2024 · -84.2%
Debt
€25k▲
2024 · €25k
Debt ≤ 1 year
€25k▲
2024 · €25k
Income taxes
€346▲
2024 · €286
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8k€15k▲
Fixed assets21/28€100€100=
Financial fixed assets28€100€100=
Current assets29/58€8k€14k▲
Amounts receivable within one year40/41€8k€12k▲
Trade receivables40€7k€12k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€205€3k▲
Deferred charges and accrued income490/1€75€125▲
Equity and liabilities
Total equity and liabilities10/49€8k€15k▲
Equity10/15€-17k€-11k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-35k€-30k▲
Amounts payable17/49€25k€25k▲
Amounts payable within one year42/48€25k€25k▲
Financial debts43€14k-
Credit institutions430/8€14k-
Trade debts44€7k€1k▼
Suppliers440/4€7k€1k▼
Taxes, remuneration and social security45€543€1k▲
Taxes450/3€543€1k▲
Other amounts payable47/48€4k€23k▲
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-8k-
Other operating charges640/8€576€4k▲
Gross operating margin9900€-12k€9k▲
Operating profit (loss)9901€-5k€5k▲
Financial income75/76B€139€0▼
Recurring financial income75€139€0▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€-7k€1k▲
Income taxes67/77€286€346▲
Profit (loss) for the period9904€-7k€855▲
Profit (loss) for the period to be appropriated9905€-7k€855▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-30k▲
Profit (loss) brought forward from the previous period14P€-28k€-30k▼
The notes to these accounts (2 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €855
Net result €855 after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
31-12
Financial
Weakest financial yearnet €-28k ▼205%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €31k ▲102%
Net result €31k, the highest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Scherpenheuvel-Zichem · 1 establishment unit since 2010
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.
Zandstraat 93271 Scherpenheuvel-ZichemGround area
353 m²
Building footprint
85 m²
Volume, LiDAR
513 m³
Parcel 24005C0565/00M002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INNOA
since 20102.196.260.538
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24005C0565/00M002 | Flanders | 353 m² | 1 · 85 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 648 EUR awarded · 468 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 180 EUR | 48 EUR |
| 2024 | 1 | 48 EUR | 0 EUR |
| 2022 | 1 | 420 EUR | 420 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,412 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
Founded06-10-2010
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.