INSTAL PRO TECH

Active

Private limited companyfounded 20242 yrs activeStrijdersstraat 5, 3000 Leuven, BelgiumKBO/BCE: BE 1005.376.195

Summary

The computed 12-month bankruptcy probability of INSTAL PRO TECH is 4.5% (elevated). The 2024 annual accounts show equity of €18,421 and a net result of €15,921. Its solvency ranks better than 74% of 9989 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

INSTAL PRO TECHActiveChecked score 41/100

Risk analysis Report Compare

Activity

General construction of residential buildings

NACE 41001General construction of buildings NACE 41201

1 site

Size

€28,444total assets 2024

Equity: €18,421
Profit: €15,921

Turnover not published (abridged schema)

Financial health

41 Weak Checked score 2024

Bankruptcy chance 12 m: 4.5%

Structure

Accounts filed 29 d late0 of 1 deed read

Why 41- Founded in 2024- Sector Construction of residential and non-residential buildings (NACE 41)- Size: total assets €28,444- Figures for FY 2024 (filed 01-09-2025)Show the evidence

Checked score

Score 2024

41 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 66% of its sector peers (NACE 41, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 90

equity 64.8% of total assets

Liquidity 38

short-term debt 35.2% · cash 2.8%

Profitability 100

return on assets 56.0%

Bankruptcy probability, 12 months

4.5% Elevated

0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,211 companies)

Last 24 months 02-2025: 3.6% 03-2025: 3.6%● 0.0% vs 02-2025 04-2025: 3.7%▲ +2.3% vs 03-2025 05-2025: 4.1%▲ +9.8% vs 04-2025 06-2025: 4.2%▲ +3.3% vs 05-2025 07-2025: 4.6%▲ +9.2% vs 06-2025 08-2025: 4.6%● 0.0% vs 07-2025 09-2025: 5.0%▲ +9.1% vs 08-2025highest value 10-2025: 3.2%▼ -36.7% vs 09-2025 11-2025: 3.1%▼ -1.1% vs 10-2025lowest value 12-2025: 3.1%● 0.0% vs 11-2025lowest value 01-2026: 3.2%▲ +2.0% vs 12-2025 02-2026: 3.2%▼ -0.9% vs 01-2026 03-2026: 3.2%▲ +2.3% vs 02-2026 04-2026: 3.4%▲ +4.1% vs 03-2026 05-2026: 3.4%▲ +0.6% vs 04-2026 06-2026: 3.4%▼ -0.3% vs 05-2026 07-2026: 3.6%▲ +5.6% vs 06-2026 08-2026: 3.9%▲ +9.0% vs 07-2026 09-2026: 4.0%▲ +3.4% vs 08-2026 10-2026: 4.5%▲ +12.0% vs 09-2026

Founded in 2024 raises the probability for this profile
Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Size: total assets €28,444 raises the probability for this profile
Figures for FY 2024 (filed 01-09-2025) raises the probability

Credit up to €500 at 30 days only on tighter terms

Liquidity ample (current ratio 1.7; short-term debt: 35.2% and cash: 2.8% of total assets), and 35.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, micro). Better than this share of them on solvency 74%, liquidity 34%, profitability 92%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

Sector Construction of residential and non-residential buildings (NACE 41)

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €28,444

In the bankruptcy model this factor raises the probability for this profile.

NBB · annual accounts

Figures for FY 2024 (filed 01-09-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 1 filing

Deviation from the deadline

2024

29 d late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 29 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage