Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INSEC from Leuven, company number BE0849986749, closed financial year 2025 with a result of € -15,256 after tax. For that financial year INSEC recorded a gross margin of € 20,295 and equity of € 49,721. Compared with financial year 2024, the result moved from € 17,723 to € -15,256. 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 June 4, 2026.
€ 49,721
▼ 23% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -15,256
▼ still € 17,723 profit in 2024
Profit after tax over the fiscal year.
€ 6,163
▼ 72% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 43,521.
People and assets in 2025
€ 35,681
▼ 32% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 35,113
▼ 16% vs 2024
€ 7,038 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 4,618
▼ 17% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 4,508
▼ 73% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 37,662 | € 53,086 | € 60,959 | € 20,295 | ▼ 67% |
| Profit after taxes | € 5,716 | € 14,871 | € 17,723 | € -15,256 | ▼ € 32,979 |
| Equity | € 53,974 | € 68,845 | € 64,976 | € 49,721 | ▼ 23% |
| Total debts | € 83,472 | € 132,846 | € 139,307 | € 89,244 | ▼ 36% |
| Cash | € 20,530 | € 26,997 | € 22,204 | € 6,163 | ▼ 72% |
| Land & buildings | € 74,410 | € 68,314 | € 62,218 | € 56,121 | ▼ 10% |
| Retained profit | € 47,774 | € 62,645 | € 58,776 | € 43,521 | ▼ 26% |
| Dividend | € 1,860 | € 0 | € 21,592 | € 0 | ▼ 100% |
| Bank debt | € 64,038 | € 52,264 | € 42,037 | € 35,113 | ▼ 16% |
| Balance sheet total | € 137,446 | € 201,691 | € 204,283 | € 138,965 | ▼ 32% |
Key figures of INSEC, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to INSEC?
What happened at INSEC in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 15,256 (▼ € 32,979 vs 2024). Source: NBB ↗
- New establishment in Leuven. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,716 profit in 2022 to € 15,256 loss in 2025.
Paid € 23,175 in corporate taxes since 2022.
Best year ever: 2024, with € 17,723 profit.
Paid out € 23,452 in dividends to the owners in total.
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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
Behind INSEC are STIJN VANDE CASTEELE and ELKE VANDEBROEK. STIJN VANDE CASTEELE is also behind CLACAR.
Directors
According to the 2025 annual accounts
ELKE VANDEBROEK
Director
Establishments
Establishment units
Physical locations of this company
Oaselaan 2
3000 Leuven
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0849.986.749
- VAT number
- BE 0849.986.749
- Registered office
- Oaselaan 2, 3000 Leuven
- Names & denominations
- INSEC
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 October 2012
- Peppol
- Active · Active since 19 Mar 2026
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