INSOGEST
ActiveSummary
The computed 12-month bankruptcy probability of INSOGEST is 3.5% (moderate). The 2025 annual accounts show negative equity (€-93k) and a net result of €-63. Equity remains stable across the filed fiscal years (±0.4% per year). The company has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
3.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Age of the figures
Age of the figures
9 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-93k
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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
22 d late
2023
23 d late
2022
32 d late
2021
59 d late
2020
19 d late
2019
27 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, abbreviated schema
Equity
€-93k▼ 0.1%
2024 · €-93k
2018: €-91k
2019: €-92k
2020: €-92k
2021: €-92k
2022: €-93k
2023: €-93k
2024: €-93k
2018 → 2025
Total assets
€118▼ 33.7%
2024 · €178
2018: €39
2019: €37
2020: €28
2021: €90
2022: €40
2023: €39
2024: €178
2018 → 2025
Net result
€-63▲ 74.2%
2024 · €-246
2018: €-194
2019: €-312
2020: €-397
2021: €-335
2022: €-449
2023: €-266
2024: €-246
2018 → 2025
Working capital
€-8k▼ 0.8%
2024 · €-8k
2018: €-6k
2019: €-7k
2020: €-7k
2021: €-7k
2022: €-8k
2023: €-8k
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-92k-€-93k▼ 0.5%€-93k▼ 0.3%€-93k▼ 0.3%€-93k▼ 0.1%
Operating result€-297-€-399▼ 34.4%€-205▲ 48.7%€-185▲ 9.7%€-187▼ 1.0%
Net result€-335-€-449▼ 34.2%€-266▲ 40.9%€-246▲ 7.5%€-63▲ 74.2%
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 stays negative: a loss of €187 in 2025 against €185 in 2024; the loss grows.
Key figures and ratios
Debt
€94k=
2024 · €94k
Debt ≤ 1 year
€9k=
2024 · €9k
Debt > 1 year
€85k=
2024 · €85k
Income taxes
€0▲
2024 · €0
Ratios withheld: a balance sheet total of €118 is too small for a meaningful ratio.
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 · 29 lines
Balance sheet
Code20242025
Assets
Total assets20/58€178€118▼
Current assets29/58€178€118▼
Cash at bank and in hand54/58€178€118▼
Equity and liabilities
Total equity and liabilities10/49€178€118▼
Equity10/15€-93k€-93k▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Profit (loss) carried forward14€-156k€-156k=
Amounts payable17/49€94k€94k=
Amounts payable after more than one year17€85k€85k=
Other amounts payable178/9€85k€85k=
Amounts payable within one year42/48€9k€9k=
Trade debts44€2k-
Suppliers440/4€2k-
Other amounts payable47/48€7k€9k▲
Income statement
Code20242025
Gross operating margin9900€-185€-187▼
Operating profit (loss)9901€-185€-187▼
Financial income75/76B€0€185▲
Recurring financial income75€0€1▲
Non-recurring financial income76B-€184
Financial charges65/66B€61€61=
Recurring financial charges65€61€61=
Profit (loss) for the period before taxes9903€-246€-63▲
Income taxes67/77€0€0▲
Profit (loss) for the period9904€-246€-63▲
Profit (loss) for the period to be appropriated9905€-246€-63▲
Appropriation of the result
Profit (loss) to be appropriated9906€-156k€-156k=
Profit (loss) brought forward from the previous period14P€-156k€-156k▼
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
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-449
Net result drops to €-449, the lowest in the series; recovery starts the following year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 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, Ottignies-Louvain-la-Neuve · 4 establishment units since 1997
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.
Clos des Mésanges 761342 Ottignies-Louvain-la-NeuveGround area
6,981 m²
Building footprint
2,976 m²
Volume, LiDAR
61,689 m³
5 parcels, Brussels, Wallonia · tallest building 40.1 m, ±8 floors. Linked by address, not a title deed.
4 establishment units
INSOGEST AMORE
since 19972.066.593.116
INSOGEST AMORE
since 19972.066.592.819
INSOGEST
since 19992.066.592.918
INSOGEST AMORE
since 19992.066.593.017
5 parcels
Wallonia
2
(40%)
Brussels
3
(60%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25092A0032/00F003 | Wallonia | 2,719 m² | - | - |
| 21612C0045/00D002 | Brussels | 1,857 m² | 1 · 2,479 m² | 40.1 m · 8 fl. |
| 21672C0058/00R005 | Brussels | 1,209 m² | 1 · 216 m² | 14.2 m · 4 fl. |
| 25056B0293/00T008 | Wallonia | 1,117 m² | 1 · 202 m² | 5.5 m · 1 fl. |
| 21614H0013/00Y003 | Brussels | 79 m² | 1 · 79 m² | 13.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded17-09-1993
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.