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InTwo

Active
Gistelsteenweg 546 ·8490 Jabbeke, Belgium
KBO/BCE: BE 1002.096.211
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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age2 yrs
Board1
Staff (FTE)1
Real estate1 parcel · 124 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of InTwo is 2.2% (moderate). The 2025 annual accounts show equity of €4k and a net result of €-46k. Its solvency ranks better than 24% of 45 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.2% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 45 sector peers (2025).
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 30-01-2026 1 d early 2026-00021862

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-46k
Working capital€274k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 30-01-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 77, Renting & leasing · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 0.6% 28.6%
better than 24% of 45 sector peers
Net result €-46k €26k
better than 7% of 45 sector peers
Equity €4k €154k
better than 22% of 45 sector peers
Gross operating margin €60k €140k
better than 30% of 45 sector peers
Total assets €669k €645k
better than 52% of 45 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositverkort
Revenue-
EBITDA€-2k
Net profit€-46k
Cash flow€-2k
Staff costs€61k
Income taxes-
Dividends-
Total assets€669k
Equity€4k
Debt€665k
of which ≤ 1y€116k
of which > 1y€298k
Working capital€274k
Employees (FTE)1.0
Ratios (computed)
2025
Current ratio3.35
Quick ratio3.35
Working capital ratio40.9%
Solvency0.6%
Debt / equity171.23
Long-term debt ratio76.71
Interest coverage-2.07
Gross margin-
Net margin-
ROA-6.9%
ROE-1186.9%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€669k
Fixed assets 21/28€277k
Formation expenses 20€2k
Intangible fixed assets 21€131k
Tangible fixed assets 22/27€146k
Current assets 29/58€390k
Amounts receivable within one year 40/41€40k
Cash & bank 54/58€239k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€669k
Equity 10/15€4k
Contributions / capital 10/11€50k
Accumulated profits (losses) 14€-46k
Amounts payable 17/49€665k
Amounts payable after one year 17€298k
Amounts payable within one year 42/48€116k
Trade debts payable within one year 44€72k
Income statement
Gross operating margin 9900€60k
Operating result 9901€-46k
Financial income 75€248
Financial charges 65€733
Result before taxes 9903€-46k
Net result for the period 9904€-46k
Result to be appropriated 9905€-46k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
35 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Directors

Directors & mandates

1 director
Current directors & mandates
  • BV JUMAFINLegal entity
    Director· perm. rep.: Filip Devloo
    State Gazette act 24126363 (27-08-2024)
    Current
    05-08-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Verhuur en lease van personenauto’s en andere lichte motorvoertuigen(77110)
Legal form Private limited company(610)
Incorporation09-11-2023
StatusActive
Postal code8490

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
2 companies at this address See who is registered here

Establishment units

1 location
InTwo
Gistelsteenweg 546, 8490 JabbekeGroothandel in auto's en lichte bestelwagens (= 3,5 ton)
since 20232.351.780.836
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area124 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31041A0490/00Y002 Flanders 124 m² - -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
Address history · 2
27-08-2024
v3.2
07-02-2024
v3.2
All acts · 3 updated 1 year ago
2024
27-08-2024 Registered office moved from Ichtegem to Jabbeke Registered-office change
  • Oostendesteenweg 208, 8480 Ichtegem → Gistelsteenweg 546, 8490 Jabbeke
Summary: v3.2
07-02-2024 Registered office moved from Torhout to Eernegem Registered-office change
  • Oostendestraat 258, 8820 Torhout → Oostendesteenweg 208, 8480 Eernegem
Summary: v3.2
2023
13-11-2023 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Snowflake analysis

financial profile on 5 axes
Health35Profitability0Solvency34Growth-Stability67
34 / 100

Fragile profile, watch profitability in particular.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 35
Profitability 0
Solvency 34
Growth -
Stability 67

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Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 173 of the 1,427 companies in this sector. 89 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Verhuur en lease van personenauto's en lichte bestelwagens (< 3,5 ton)77110Verhuur en lease van personenauto’s en andere lichte motorvoertuigen77110Handelsbemiddeling in auto's en lichte bestelwagens (= 3,5 ton)45112Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Detailhandel in andere motorvoertuigen (> 3,5 ton)45193Handel in aanhangwagens, opleggers en caravans45194Handelsbemiddeling in de groothandel in andere specifieke goederen46180Groothandel in aanhangwagens, opleggers en caravans46713Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Detailhandel in andere motorvoertuigen (> 3,5 ton)47812
Primary activity highlighted.
Names & trade names
Legal nameNL InTwo
Registered office
Gistelsteenweg 546
8490 Jabbeke, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.