INSTAPKLAAR!
ActiveINSTAPKLAAR! has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €210k and a net result of €297k. Equity is shrinking by ~9% per year across the filed fiscal years. Its solvency ranks better than 11% of 7447 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability87▼-2
Solvency35▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.04 against 1.03 in 2023; short-term debt: 89.3% and cash: 2.6% of total assets), and 89.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 7447 sector peers (2024).
NBB · sector comparisonPosition among 7447 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-06-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
47 d early
2023
55 d early
2022
30 d late
2021
2 d late
2020
40 d late
2019
11 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€210k▲ 3.3%
2023 · €204k
2018: €505k
2019: €548k
2020: €600k
2021: €768k
2022: €608k
2023: €204k
2018 → 2024
Total assets
€2.09M▲ 12.9%
2023 · €1.85M
2018: €996k
2019: €1.23M
2020: €2.00M
2021: €1.61M
2022: €1.44M
2023: €1.85M
2018 → 2024
Net result
€297k▲ 0.4%
2023 · €295k
2018: €59k
2019: €43k
2020: €52k
2021: €167k
2022: €251k
2023: €295k
2018 → 2024
Working capital
€69k▲ 51.9%
2023 · €45k
2018: €480k
2019: €511k
2020: €568k
2021: €751k
2022: €562k
2023: €45k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€600k-€768k▲ 27.9%€608k▼ 20.8%€204k▼ 66.5%€210k▲ 3.3%
Operating result€79k-€243k▲ 208%€344k▲ 41.5%€413k▲ 20.0%€410k▼ 0.8%
Net result€52k-€167k▲ 222%€251k▲ 49.7%€295k▲ 17.8%€297k▲ 0.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 1% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.09M
Fixed assets
€156k▼ 10.7%
Current assets
€1.93M▲ 15.4%
Equity and liabilities €2.09M
Equity
€210k▲ 3.3%
Debt
€1.88M▲ 14.1%
The debt ratio rises from 89.0% to 89.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€447k▼
2023 · €447k
Cash flow
€334k▲
2023 · €330k
Solvency
10.1%▼
2023 · 11.0%
Current ratio
1.04▲
2023 · 1.03
Quick ratio
0.82▲
2023 · 0.63
Debt / equity
8.93▲
2023 · 8.07
ROE
141.0%▼
2023 · 145.0%
ROA
14.2%▼
2023 · 16.0%
Interest coverage
12.80▲
2023 · 12.28
Debt
€1.88M▲
2023 · €1.64M
Debt ≤ 1 year
€1.86M▲
2023 · €1.63M
Income taxes
€100k▼
2023 · €101k
Staff costs
€189k▲
2023 · €181k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.85M€2.09M▲
Fixed assets21/28€174k€156k▼
Tangible fixed assets22/27€169k€152k▼
Plant, machinery and equipment23€25k€38k▲
Furniture and vehicles24€144k€114k▼
Financial fixed assets28€5k€4k▼
Current assets29/58€1.67M€1.93M▲
Stocks and contracts in progress3€650k€400k▼
Contracts in progress37€650k€400k▼
Amounts receivable within one year40/41€880k€1.48M▲
Trade receivables40€879k€529k▼
Other amounts receivable41€1k€947k▲
Cash at bank and in hand54/58€137k€54k▼
Deferred charges and accrued income490/1€7k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.85M€2.09M▲
Equity10/15€204k€210k▲
Contributions10/11€19k€19k=
Reserves13€185k€192k▲
Non-distributable reserves130/1€2k-
Other1319€2k-
Tax-exempt reserves132€56k€56k=
Distributable reserves133€127k€136k▲
Amounts payable17/49€1.64M€1.88M▲
Amounts payable within one year42/48€1.63M€1.86M▲
Trade debts44€59k€100k▲
Suppliers440/4€59k€100k▲
Taxes, remuneration and social security45€48k€20k▼
Taxes450/3€37k€13k▼
Remuneration and social security454/9€11k€8k▼
Other amounts payable47/48€1.52M€1.74M▲
Accrued charges and deferred income492/3€16k€14k▼
Income statement
Code20232024
Remuneration, social security and pensions62€181k€189k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€38k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€632k€638k▲
Operating profit (loss)9901€413k€410k▼
Financial income75/76B€20k€22k▲
Recurring financial income75€20k€22k▲
Financial charges65/66B€36k€35k▼
Recurring financial charges65€36k€35k▼
Profit (loss) for the period before taxes9903€396k€396k▲
Income taxes67/77€101k€100k▼
Profit (loss) for the period9904€295k€297k▲
Profit (loss) for the period to be appropriated9905€295k€297k▲
Appropriation of the result
Profit (loss) to be appropriated9906€295k€297k▲
Transfer from equity791/2€405k-
Transfer to equity691/2-€7k
To other reserves6921-€7k
Profit to be distributed694/7€700k€290k▼
Return on contributions (dividend)694€700k€290k▼
Social balance
Average headcount (FTE)90872.93.0▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €297k ▲0.4%
Net result €297k, the highest in the series.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 40 days late
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
2019
31-12
Financial
Weakest financial yearnet €43k ▼28.3%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 55 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Staden · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
14e Liniestraat(ONK) 38840 StadenGround area
2,851 m²
Building footprint
510 m²
Volume, LiDAR
3,080 m³
Parcel 36014C0169/00B002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Instapklaar!
since 20102.184.634.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014C0169/00B002 | Flanders | 2,851 m² | 1 · 510 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 254 EUR awarded · 254 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 254 EUR | 254 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,030 companies in sector 43320 we hold annual accounts for 9,135. 7,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2010
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.