InstaReno
ActiveInstaReno has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €4k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2023
Profitability19▼-69
Solvency42▼-55
Growth52=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.29 against 2.19 in 2023), and 75.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24.1%
Return on assets
0.9%
Age of the figures
9 mo
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 17-05-2026, 75 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
75 d early
2023
23 d early
2022
33 d early
2021
25 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 43.2%
2023 · €66k
2021: €27k
2022: €55k
2023: €66k
2021 → 2025
Total assets
€393k▲ 221%
2023 · €123k
2021: €94k
2022: €130k
2023: €123k
2021 → 2025
Net result
€4k▼ 69.4%
2023 · €12k
2021: €24k
2022: €29k
2023: €12k
2021 → 2025
Working capital
€83k▲ 80.8%
2023 · €46k
2021: €24k
2022: €48k
2023: €46k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232025Trend
Equity€27k-€55k▲ 107%€66k▲ 19.4%€95k▲ 43.2%
Operating result€31k-€38k▲ 22.9%€16k▼ 58.2%€6k▼ 61.7%
Net result€24k-€29k▲ 20.9%€12k▼ 60.6%€4k▼ 69.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 62% below 2023 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €393k
Fixed assets
€25k▼ 34.3%
Current assets
€368k▲ 338%
Equity and liabilities €393k
Equity
€95k▲ 43.2%
Debt
€298k▲ 429%
The debt ratio rises from 46.1% to 75.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€15k▼
2023 · €22k
Cash flow
€13k▼
2023 · €18k
Solvency
24.1%▼
2023 · 53.9%
Current ratio
1.29▼
2023 · 2.19
Quick ratio
0.08▼
2023 · 1.97
Debt / equity
3.15▲
2023 · 0.85
ROE
3.7%▼
2023 · 17.5%
ROA
0.9%▼
2023 · 9.4%
Interest coverage
15.99▼
2023 · 26.13
Debt
€298k▲
2023 · €56k
Debt ≤ 1 year
€285k▲
2023 · €38k
Debt > 1 year
€13k▼
2023 · €18k
Income taxes
€2k▼
2023 · €3k
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 · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€123k€393k▲
Fixed assets21/28€39k€25k▼
Tangible fixed assets22/27€39k€23k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€34k€19k▼
Financial fixed assets28-€3k
Current assets29/58€84k€368k▲
Stocks and contracts in progress3€9k€345k▲
Stocks30/36€9k€345k▲
Amounts receivable within one year40/41€56k€22k▼
Trade receivables40€37k€16k▼
Other amounts receivable41€19k€6k▼
Cash at bank and in hand54/58€20k€931▼
Equity and liabilities
Total equity and liabilities10/49€123k€393k▲
Equity10/15€66k€95k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€64k€92k▲
Amounts payable17/49€56k€298k▲
Amounts payable after more than one year17€18k€13k▼
Financial debts170/4€18k€13k▼
Amounts payable within one year42/48€38k€285k▲
Current portion of amounts payable after more than one year42€5k-
Trade debts44€30k€46k▲
Suppliers440/4€30k€46k▲
Advances received on contracts in progress46-€637
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€833€233k▲
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€171€2k▲
Gross operating margin9900€22k€17k▼
Operating profit (loss)9901€16k€6k▼
Financial income75/76B€29-
Recurring financial income75€29-
Financial charges65/66B€843€949▲
Recurring financial charges65€843€949▲
Profit (loss) for the period before taxes9903€15k€5k▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€12k€4k▼
Profit (loss) for the period to be appropriated9905€12k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€92k▲
Profit (loss) brought forward from the previous period14P€53k€89k▲
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €4k ▼69.4%
Net result drops to €4k, the lowest in the series.
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €29k ▲20.9%
Operating result €38k, net result €29k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Meise · 1 establishment unit since 2021
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.
Velaart 181861 MeiseGround area
675 m²
Building footprint
135 m²
Volume, LiDAR
573 m³
Parcel 23093A0176/00T000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
InstaReno
since 20212.315.897.467
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23093A0176/00T000 | Flanders | 675 m² | 1 · 135 m² | 6.5 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.
Similar companies · same sector, comparable size
STERLINE
BE 0848.355.763
Jurbise · Eq €95k
ZARRIMMO
BE 0701.857.059
Kortemark · Eq €95k
CLOS DU PARC IMMO
BE 1008.432.289
Chaudfontaine · Eq €95k
GVD Projects
BE 0740.932.421
Ninove · Eq €95k
GRAANKAAI CONSTRUCT
BE 1008.415.958
Veurne · Eq €94k
Of 9,633 companies in sector 68121 we hold annual accounts for 7,328. 5,245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2021
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.