INSTITUT VOET

Active

Private limited companyfounded 193887 yrs activeRue du Château(B.S) 15bis, 7603 Péruwelz, BelgiumKBO/BCE: BE 0402.521.393

Summary

INSTITUT VOET has been active since 1938 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €435,088 and a net result of €64,298. Equity is growing by ~6.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch Report Compare

INSTITUT VOETActiveChecked score 97/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€526,217total assets 2025

Equity: €435,088
Profit: €64,298

Financial health

97 Excellent Checked score 2025

Bankruptcy chance 12 m: < 0.1%

Structure

Accounts filed 35 d late0 of 5 deeds read

Why 97- Latest accounts 35 days late; 2 of the last 3 late+ Size: total assets €526,217+ Liquidity: current ratio 4.71, cash €255,032+ Equity €435,088 (82.7% of total assets)Show the evidence

Checked score

Score 2025

97 / 100

Excellent

Probability in this band: under 0.55%

Better than 76% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 100=

equity 82.7% of total assets

Liquidity 100=

short-term debt 10.3% · cash 48.5%

Profitability 84=

return on assets 12.2%

Bankruptcy probability, 12 months

< 0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%● 0.0% vs 02-2025lowest value 04-2025: < 0.1%● 0.0% vs 03-2025lowest value 05-2025: < 0.1%● 0.0% vs 04-2025lowest value 06-2025: < 0.1%▲ +5.1% vs 05-2025 07-2025: < 0.1%▲ +7.3% vs 06-2025 08-2025: 0.1%▲ +54.5% vs 07-2025 09-2025: 0.1%▲ +19.1% vs 08-2025 10-2025: 0.1%▼ -21.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.6% vs 12-2025 02-2026: 0.1%▲ +1.6% vs 01-2026 03-2026: 0.1%▼ -1.6% vs 02-2026 04-2026: 0.1%● 0.0% vs 03-2026 05-2026: 0.1%▼ -1.6% vs 04-2026 06-2026: 0.1%▲ +12.9% vs 05-2026 07-2026: 0.1%▲ +1.4% vs 06-2026 08-2026: 0.1%▲ +56.3% vs 07-2026 09-2026: 0.1%▲ +16.2% vs 08-2026highest value 10-2026: < 0.1%▼ -62.0% vs 09-2026

Size: total assets €526,217 lowers the probability for this profile
Latest accounts 35 days late; 2 of the last 3 late raises the probability
Liquidity: current ratio 4.71, cash €255,032 lowers the probability
Equity €435,088 (82.7% of total assets) lowers the probability

Credit up to €40,000 at 30 days acceptable

Liquidity ample (current ratio 4.71 against 4.13 in 2024; short-term debt: 10.3% and cash: 48.5% of total assets), and 17.3% 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 (no NACE code, micro). Better than this share of them on solvency 81%, liquidity 90%, profitability 68%, growth against the median 66%. 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

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

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

−lowers risk+raises risk○neutral

Size: total assets €526,217

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

NBB · annual accounts

Latest accounts 35 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Liquidity: current ratio 4.71, cash €255,032

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Equity €435,088 (82.7% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-09-2026, 35 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 · 10 filings

Deviation from the deadline

2025

35 d late

2024

48 d late

2023

14 d late

2022

58 d late

2021

4 d early

2020

1 d early

2019

87 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 34 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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. Usually files around 4 September (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

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