INSTALL COM
ActiveSummary
The computed 12-month bankruptcy probability of INSTALL COM is 1.9% (moderate). The 2025 annual accounts show negative equity (€-1k) and a net result of €642. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 4886 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
Axes · tick = 2024
Profitability81=
Solvency21▲+1
Growth45▼-1
Track record92
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.31 against 0.18 in 2024; short-term debt: 96.8% and cash: 1.7% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 2025Solvency, return and age of the figures
Solvency
-3.8%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 4886 sector peers (2025).
NBB · sector comparisonPosition among 4886 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
30 d early
2023
30 d early
2022
4 d late
2021
48 d early
2020
47 d early
2019
28 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€19k▼ 9.0%
2024 · €21k
2018: €25k
2019: €28k▲ +13.0% vs 2018
2020: €20k▼ -29.0% vs 2019
2021: €20k▼ -1.1% vs 2020
2022: €16k▼ -22.0% vs 2021lowest in 8 years
2023: €36k▲ +132% vs 2022highest in 8 years
2024: €21k▼ -41.8% vs 2023
2025: €19k▼ -9.0% vs 2024
2018 → 2025
EBIT margin
5.5%▼ 0.9pp
2024 · 6.3%
2018: 0.4%
2019: 4.2%▲ +974% vs 2018
2020: -27.0%▼ -748% vs 2019
2021: 0.7%▲ +103% vs 2020
2022: -59.5%▼ -8579% vs 2021lowest in 8 years
2023: 9.6%▲ +116% vs 2022highest in 8 years
2024: 6.3%▼ -33.7% vs 2023
2025: 5.5%▼ -13.7% vs 2024
2018 → 2025
Net result
€642▲ 19.1%
2024 · €539
2018: €47
2019: €792▲ +1596% vs 2018
2020: €-6k▼ -805% vs 2019
2021: €18▲ +100% vs 2020
2022: €-9k▼ -52571% vs 2021lowest in 8 years
2023: €3k▲ +127% vs 2022highest in 8 years
2024: €539▼ -78.6% vs 2023
2025: €642▲ +19.1% vs 2024
2018 → 2025
Working capital
€-19k▲ 29.8%
2024 · €-26k
2018: €-22k
2019: €-19k▲ +14.0% vs 2018
2020: €-22k▼ -14.7% vs 2019
2021: €-17k▲ +23.5% vs 2020highest in 8 years
2022: €-35k▼ -110% vs 2021lowest in 8 years
2023: €-26k▲ +26.6% vs 2022
2024: €-26k▼ -2.0% vs 2023
2025: €-19k▲ +29.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€20k-€16k▼ 22.0%€36k▲ 132%€21k▼ 41.8%€19k▼ 9.0%
2021: €20k
2022: €16k▼ -22.0% vs 2021lowest in 5 years
2023: €36k▲ +132% vs 2022highest in 5 years
2024: €21k▼ -41.8% vs 2023
2025: €19k▼ -9.0% vs 2024
Equity€5k-€-5k€-22k▼ 353%€-2k▲ 92.1%€-1k▲ 37.8%
2021: €5khighest in 5 years
2022: €-5k▼ -205% vs 2021
2023: €-22k▼ -353% vs 2022lowest in 5 years
2024: €-2k▲ +92.1% vs 2023
2025: €-1k▲ +37.8% vs 2024
Operating result€140-€-9k€3k€1k▼ 61.4%€1k▼ 21.5%
2021: €140
2022: €-9k▼ -6710% vs 2021lowest in 5 years
2023: €3k▲ +137% vs 2022highest in 5 years
2024: €1k▼ -61.4% vs 2023
2025: €1k▼ -21.5% vs 2024
Net result€18-€-9k€3k€539▼ 78.6%€642▲ 19.1%
2021: €18
2022: €-9k▼ -52571% vs 2021lowest in 5 years
2023: €3k▲ +127% vs 2022highest in 5 years
2024: €539▼ -78.6% vs 2023
2025: €642▲ +19.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€19k ▼ 23.9%
Current assets
€8k ▲ 41.5%
Key figures and ratios
EBITDA
€7k▼
2024 · €7k
Cash flow
€7k▲
2024 · €7k
Solvency
-3.8%▲
2024 · -5.4%
Current ratio
0.31▲
2024 · 0.18
Debt to equity
-27.10▼
2024 · -19.40
ROA
2.3%▲
2024 · 1.7%
Interest coverage
73.27▼
2024 · 78.20
Debt
€29k▼
2024 · €33k
Debt ≤ 1 year
€27k▼
2024 · €32k
Income taxes
€300▼
2024 · €690
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€31k€28k▼
Formation expenses20€0€0=
Fixed assets21/28€25k€19k▼
Tangible fixed assets22/27€25k€19k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€18k€15k▼
Other tangible fixed assets26€2k€0▼
Current assets29/58€6k€8k▲
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€5k€7k▲
Other amounts receivable41€0€0=
Cash at bank and in hand54/58€477€477=
Deferred charges and accrued income490/1€148€1k▲
Equity and liabilities
Total equity and liabilities10/49€31k€28k▼
Equity10/15€-2k€-1k▲
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Profit (loss) carried forward14€-21k€-20k▲
Amounts payable17/49€33k€29k▼
Amounts payable within one year42/48€32k€27k▼
Trade debts44€0€0=
Suppliers440/4€0€0=
Taxes, remuneration and social security45€0€0=
Taxes450/3-€0
Other amounts payable47/48€32k€27k▼
Accrued charges and deferred income492/3€804€2k▲
Income statement
Code20242025
Turnover70€21k€19k▼
Goods, raw materials, services and sundry goods60/61€17k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8-€720
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€1k€1k▼
Financial charges65/66B€95€97▲
Recurring financial charges65€95€97▲
Profit (loss) for the period before taxes9903€1k€942▼
Income taxes67/77€690€300▼
Profit (loss) for the period9904€539€642▲
Profit (loss) for the period to be appropriated9905€539€642▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-20k▲
Profit (loss) brought forward from the previous period14P€-22k€-21k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €20k | €16k | €36k | €21k | €19k | ▼ 9.0% |
| Goods, raw materials, services and sundry goods60/61 | €16k | €15k | €29k | €17k | €15k | ▼ 13.4% |
| Remuneration, social security and pensions62 | - | €54 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €7k | €7k | €6k | €6k | ▼ 0.7% |
| Other operating charges640/8 | €501 | €7k | €464 | - | €720 | - |
| Gross operating margin9900 | €7k | €4k | €10k | €7k | €8k | ▲ 5.3% |
| Operating profit (loss)9901 | €140 | €-9k | €3k | €1k | €1k | ▼ 21.5% |
| Financial charges65/66B | €89 | €84 | €102 | €95 | €97 | ▲ 2.1% |
| Recurring financial charges65 | €89 | €84 | €102 | €95 | €97 | ▲ 2.1% |
| Profit (loss) for the period before taxes9903 | €50 | €-9k | €3k | €1k | €942 | ▼ 23.3% |
| Income taxes67/77 | €33 | - | €810 | €690 | €300 | ▼ 56.5% |
| Profit (loss) for the period9904 | €18 | €-9k | €3k | €539 | €642 | ▲ 19.1% |
| Profit (loss) for the period to be appropriated9905 | €18 | €-9k | €3k | €539 | €642 | ▲ 19.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25k | €33k | €26k | €31k | €28k | ▼ 11.7% |
| Formation expenses20 | €0 | €0 | €0 | €0 | €0 | - |
| Fixed assets21/28 | €21k | €31k | €25k | €25k | €19k | ▼ 23.9% |
| Tangible fixed assets22/27 | €21k | €31k | €25k | €25k | €19k | ▼ 23.9% |
| Plant, machinery and equipment23 | €4k | €2k | €0 | €5k | €4k | ▼ 25.0% |
| Furniture and vehicles24 | €9k | €23k | €20k | €18k | €15k | ▼ 14.3% |
| Other tangible fixed assets26 | €9k | €7k | €4k | €2k | €0 | ▼ 100% |
| Current assets29/58 | €3k | €2k | €1k | €6k | €8k | ▲ 41.5% |
| Amounts receivable within one year40/41 | €1k | €400 | €0 | €5k | €7k | ▲ 28.0% |
| Trade receivables40 | €1k | €0 | €0 | €5k | €7k | ▲ 28.0% |
| Other amounts receivable41 | €0 | €400 | €0 | €0 | €0 | - |
| Cash at bank and in hand54/58 | €477 | €477 | €477 | €477 | €477 | = |
| Deferred charges and accrued income490/1 | €1k | €985 | €856 | €148 | €1k | ▲ 648% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25k | €33k | €26k | €31k | €28k | ▼ 11.7% |
| Equity10/15 | €5k | €-5k | €-22k | €-2k | €-1k | ▲ 37.8% |
| Contributions10/11 | €19k | €19k | - | €19k | €19k | = |
| Capital10 | €19k | €19k | - | - | €19k | - |
| Issued capital100 | €19k | €19k | - | - | €19k | - |
| Profit (loss) carried forward14 | €-15k | €-24k | €-22k | €-21k | €-20k | ▲ 3.1% |
| Amounts payable17/49 | €20k | €38k | €48k | €33k | €29k | ▼ 13.0% |
| Amounts payable after more than one year17 | €0 | - | - | - | - | - |
| Financial debts170/4 | €0 | - | - | - | - | - |
| Amounts payable within one year42/48 | €20k | €37k | €27k | €32k | €27k | ▼ 16.9% |
| Current portion of amounts payable after more than one year42 | €0 | - | - | - | - | - |
| Trade debts44 | €0 | €0 | €0 | €0 | €0 | - |
| Suppliers440/4 | €0 | €0 | €0 | €0 | €0 | - |
| Taxes, remuneration and social security45 | €33 | €0 | €810 | €0 | €0 | - |
| Taxes450/3 | €33 | €0 | €810 | - | €0 | - |
| Other amounts payable47/48 | €20k | €37k | €26k | €32k | €27k | ▼ 16.9% |
| Accrued charges and deferred income492/3 | - | €932 | €21k | €804 | €2k | ▲ 140% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €18 | €-9k | €3k | €539 | €642 | ▲ 19.1% |
| + Depreciation and write-downs630 | €7k | €7k | €7k | €6k | €6k | ▼ 0.7% |
| Operating cash flow (approximation) | €7k | €-3k | €9k | €7k | €7k | ▲ 0.9% |
| Investment in fixed assets (approximation) | - | €-17k | €0 | €-7k | €0 | ▲ 100% |
| Change in cash | - | €0 | €0 | €0 | €0 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
24-01
KBO administration
Address struck
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 4 days late
2022
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €18
Net result €18 after one loss-making year.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Namur
Ground area
3,501 m²
Parcel 92123D0205/00F005, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92123D0205/00F005 | Wallonia | 3,501 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 679 companies in sector 46494 we hold annual accounts for 530. 84 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded21-08-1997
Fiscal year end31-12
Activities, NACEBEL 2025
46494Wholesale of non-electrical household articles
43350Other building finishing work
Scores and ratios are computed by Checked and are not a credit decision.