InStraFinA
ActiveSummary
InStraFinA has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €907k and a net result of €168k. Equity is growing by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability91▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 36.86 against 20.31 in 2023; short-term debt: 2% and cash: 3.9% of total assets), and 2.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
97.8%
Return on assets
18.1%
Age of the figures
21 mo
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 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
44 d early
2022
42 d early
2021
53 d early
2020
32 d early
2019
37 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€907k▲ 10.9%
2023 · €818k
2018: €427k
2019: €584k
2020: €670k
2021: €641k
2022: €786k
2023: €818k
2018 → 2024
Total assets
€928k▼ 9.5%
2023 · €1.02M
2018: €464k
2019: €680k
2020: €703k
2021: €839k
2022: €820k
2023: €1.02M
2018 → 2024
Net result
€168k▼ 16.6%
2023 · €201k
2018: €87k
2019: €165k
2020: €94k
2021: €126k
2022: €145k
2023: €201k
2018 → 2024
Working capital
€666k▼ 8.4%
2023 · €727k
2018: €390k
2019: €409k
2020: €408k
2021: €405k
2022: €562k
2023: €727k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€670k-€641k▼ 4.4%€786k▲ 22.7%€818k▲ 4.1%€907k▲ 10.9%
Operating result€112k-€130k▲ 16.1%€200k▲ 54.0%€273k▲ 36.5%€208k▼ 24.0%
Net result€94k-€126k▲ 33.9%€145k▲ 15.1%€201k▲ 38.8%€168k▼ 16.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €928k
Fixed assets
€243k ▼ 6.4%
Current assets
€684k ▼ 10.5%
Equity and liabilities €928k
Equity
€907k ▲ 10.9%
Debt
€20k ▼ 90.2%
Debt's share of the balance-sheet total falls from 20.2% to 2.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€231k▼
2023 · €290k
Cash flow
€191k▼
2023 · €218k
Current ratio
36.86▲
2023 · 20.31
Debt to equity
0.02▼
2023 · 0.25
ROE
18.5%▼
2023 · 24.6%
ROA
18.1%▼
2023 · 19.7%
Interest coverage
12.74▼
2023 · 68.99
Debt ≤ 1 year
€19k▼
2023 · €38k
Income taxes
€80k▼
2023 · €89k
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 · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.02M€928k▼
Fixed assets21/28€260k€243k▼
Tangible fixed assets22/27€260k€243k▼
Land and buildings22€207k€196k▼
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€48k€41k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€765k€684k▼
Amounts receivable within one year40/41€38k€13k▼
Trade receivables40€37k€13k▼
Other amounts receivable41€569-
Current investments50/53€683k€635k▼
Cash at bank and in hand54/58€43k€36k▼
Deferred charges and accrued income490/1€442€619▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€928k▼
Equity10/15€818k€907k▲
Contributions10/11€25k€25k=
Reserves13€793k€882k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€791k€880k▲
Amounts payable17/49€207k€20k▼
Amounts payable within one year42/48€38k€19k▼
Trade debts44€253€605▲
Suppliers440/4€253€605▲
Taxes, remuneration and social security45€37k€10k▼
Taxes450/3€37k€10k▼
Other amounts payable47/48-€8k
Accrued charges and deferred income492/3€169k€2k▼
Income statement
Code20232024
Non-recurring operating income76A€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€23k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€292k€233k▼
Operating profit (loss)9901€273k€208k▼
Financial income75/76B€22k€58k▲
Recurring financial income75€22k€58k▲
Financial charges65/66B€4k€18k▲
Recurring financial charges65€4k€18k▲
Profit (loss) for the period before taxes9903€291k€248k▼
Income taxes67/77€89k€80k▼
Profit (loss) for the period9904€201k€168k▼
Profit (loss) for the period to be appropriated9905€201k€168k▼
Appropriation of the result
Profit (loss) to be appropriated9906€249k€168k▼
Profit (loss) brought forward from the previous period14P€48k-
Transfer from equity791/2€121k€79k▼
Transfer to equity691/2€201k€168k▼
To other reserves6921€201k€168k▼
Profit to be distributed694/7€169k€79k▼
Return on contributions (dividend)694€169k€79k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €201k ▲38.8%
Operating result €273k, net result €201k, both a record.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 6current ratio 17.25
Current ratio from 3.06 to 17.25; short-term debt falls from €197k to €35k.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 13.84
Current ratio from 5.24 to 13.84; short-term debt falls from €96k to €32k.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €500kEq €584k ▲36.8%
2 profitable years in a row build equity to €584k.
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Sint-Pieters-Leeuw · 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.
Pedestraat 421602 Sint-Pieters-LeeuwGround area
906 m²
Building footprint
113 m²
Volume, LiDAR
733 m³
Parcel 23089B0073/00H000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
InStraFinA
since 20102.186.625.567
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23089B0073/00H000 | Flanders | 906 m² | 1 · 113 m² | 8.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600T2E10AW61VAV74
Similar companies · same sector, comparable size
FERA CONSULTING
BE 0893.780.467
Stekene · Eq €907,474
KAREL DEWAELE
BE 0883.916.656
Anzegem · Eq €907,415
A-HOLDING
BE 0832.613.950
Bocholt · Eq €907,126
De Blauwe Cluster (Blue Cluster) vzw
BE 0675.740.206
Oostende · Eq €907,840
CI UCCLE
BE 0771.812.469
Ukkel · Eq €906,968
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 28,925 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.