Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2023 and 2024.
-
Late annual account NBB
Fiscal year 2024 was filed 220 days after the legal deadline.
Financials
Financial year 2024
Initiative Formation Insertion from Tournai, company number BE0461790274, closed financial year 2024 with a result of € -287,428 after tax. For that financial year Initiative Formation Insertion recorded a gross margin of € 951,500 and equity of € 375,213. Compared with financial year 2023, the result moved from € -29,313 to € -287,428. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 8, 2026.
€ 375,213
▼ 44% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -287,428
▼ 881 % more loss than in 2023
Profit after tax over the fiscal year.
€ 364,870
▼ 23% vs 2023
Cash and bank balances on the last day of the fiscal year.
People and assets in 2024
12
▲ 0.4 vs 2023
Average over the fiscal year, from the social balance sheet.
€ 895,492
▲ 6% vs 2023
€ 74,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 45,536
▼ 32% vs 2023
Book value of vehicles, furniture and equipment.
Debts at end 2024
€ 39,346
▲ € 36,198 vs 2023
€ 3,148 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 20,259
▼ 50% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 127,935
▲ 5% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 669,903 | € 744,587 | € 865,856 | € 951,500 | ▲ 10% |
| Profit after taxes | € 2,297 | € 41,610 | € -29,313 | € -287,428 | ▼ € 258,115 |
| Equity | € 126,069 | € 704,545 | € 668,936 | € 375,213 | ▼ 44% |
| Total debts | € 328,642 | € 432,250 | € 391,098 | € 290,448 | ▼ 26% |
| Cash | € 704,259 | € 807,511 | € 474,352 | € 364,870 | ▼ 23% |
| Land & buildings | € 5,600 | € 5,600 | € 5,600 | € 5,600 | |
| Retained profit | € 100,888 | € 685,659 | € 656,345 | € 368,917 | ▼ 44% |
| Bank debt | € 3,148 | € 3,148 | € 3,148 | € 39,346 | ▲ € 36,198 |
| Balance sheet total | € 997,872 | € 1,136,794 | € 1,060,034 | € 967,065 | ▼ 9% |
| Employees (FTE) | 10.7 | 10.7 | 11.6 | 12 | ▲ 0.4 |
Key figures of Initiative Formation Insertion, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to Initiative Formation Insertion?
What happened at Initiative Formation Insertion in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 287,428. filed late Source: NBB ↗
- Stéphanie CALONNE stepped down as director. NBB
- Didier DELERUELLE stepped down as director. NBB
- Sylvie DUROISIN stepped down as director. NBB
- Ludivine DELMOTTE stepped down as director. NBB
- Stéphanie CALONNE became a director. NBB
- Didier DELERUELLE became a director. NBB
- Sylvie DUROISIN became a director. NBB
In short
From € 2,297 profit in 2021 to € 287,428 loss in 2024.
Best year ever: 2022, with € 41,610 profit.
On average € 79,300 of value added per employee in 2024.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2024 annual accounts
Stéphanie CALONNE
Director
since 2023 · until 2026
Didier DELERUELLE
Director
since 2023 · until 2026
Sylvie DUROISIN
Chairman of the board
since 2023 · until 2026
Ludivine DELMOTTE
Director
since 2023 · until 2026
Establishments
Establishment units
Physical locations of this company
Rue Jeanne d'Arc(TOU) 52
7500 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
VERIXI, BE
Website info
Features
Security
Details
- Company number
- 0461.790.274
- VAT number
- BE 0461.790.274
- Registered office
- Rue Jeanne d'Arc(TOU) 52, 7500 Tournai
- Names & denominations
- Initiative Formation Insertion · I.F.I.
- Enterprise type
- Rechtspersoon
- Legal form
- Non-profit association
- Legal situation
- Normale toestand
- Start date
- 13 November 1997
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- ifi-cisp.be 069671588
- Activities · NACE
Verenigingen en bewegingen voor volwassenen