L'Instant

Active

Private limited companyfounded 20196 yrs activeNestor Martinstraat 319, 1082 Sint-Agatha-Berchem, BelgiumKBO/BCE: BE 0739.915.307

The computed 12-month bankruptcy probability of L'Instant is 1.8% (moderate). The 2024 annual accounts show equity of €12k and a net result of €-2k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 2464 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

53 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability56▼-17

Solvency63=

Growth52▼-26

Track record100

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity short (current ratio 0.76 against 0.55 in 2023; short-term debt: 62.2% and cash: 11.1% of total assets), and 62.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

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

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 90

Relative position

BE, all sectors

reference

Sector 90

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 2024

Solvency, return and age of the figures

Solvency

37.8%

Return on assets

-5%

Age of the figures

20 mo

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

37 d early

2023

51 d late

2022

144 d late

2021

366 d late

2020

102 d late

← before the deadline after the 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

Financials · fiscal year 2024, micro schema

Equity

€12k▼ 11.6%

2023 · €13k

2020: €3k 2021: €3k 2022: €12k 2023: €13k

2020 → 2024

Total assets

€31k▼ 12.3%

2023 · €36k

2020: €51k 2021: €50k 2022: €55k 2023: €36k

2020 → 2024

Net result

€-2k

2023 · €1k

2020: €-723 2021: €-216 2022: €9k 2023: €1k

2020 → 2024

Working capital

€-5k▲ 51.1%

2023 · €-10k

2020: €-16k 2021: €-23k 2022: €-13k 2023: €-10k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€3k-€3k▼ 6.6%€12k▲ 292%€13k▲ 11.2%€12k▼ 11.6%

Operating result€-684-€814€11k▲ 1,192%€4k▼ 57.8%€-2

Net result€-723-€-216▲ 70.1%€9k€1k▼ 85.0%€-2k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €2 after €4k in 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €31k

52.8%

47.2%

Fixed assets €16k▼ 30.6%

Current assets €15k▲ 24.3%

Equity and liabilities €31k

37.8%

62.2%

Equity €12k▼ 11.6%

Debt €19k▼ 12.8%

The debt ratio falls from 62.5% to 62.2%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€7k▼

2023 · €12k

Cash flow

€6k▼

2023 · €9k

Solvency

37.8%▲

2023 · 37.5%

Current ratio

0.76▲

2023 · 0.55

Quick ratio

0.76▲

2023 · 0.55

Debt / equity

1.64▼

2023 · 1.67

ROE

-13.1%▼

2023 · 10.0%

ROA

-5.0%▼

2023 · 3.8%

Interest coverage

5.16▼

2023 · 7.49

Debt

€19k▼

2023 · €22k

Debt ≤ 1 year

€19k▼

2023 · €21k

Debt > 1 year

€0▼

2023 · €861

Income taxes

€140▼

2023 · €2k

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€36k€31k▼

Fixed assets21/28€24k€16k▼

Intangible fixed assets21€566€150▼

Tangible fixed assets22/27€23k€16k▼

Plant, machinery and equipment23€10k€5k▼

Furniture and vehicles24€0€0=

Other tangible fixed assets26€13k€11k▼

Financial fixed assets28€74€74=

Current assets29/58€12k€15k▲

Amounts receivable within one year40/41€7k€10k▲

Trade receivables40€6k€9k▲

Other amounts receivable41€922€877▼

Cash at bank and in hand54/58€4k€3k▼

Deferred charges and accrued income490/1€552€1k▲

Equity and liabilities

Total equity and liabilities10/49€36k€31k▼

Equity10/15€13k€12k▼

Contributions10/11€4k€4k=

Profit (loss) carried forward14€9k€8k▼

Amounts payable17/49€22k€19k▼

Amounts payable after more than one year17€861€0▼

Financial debts170/4€861€0▼

Amounts payable within one year42/48€21k€19k▼

Current portion of amounts payable after more than one year42€5k€861▼

Financial debts43€27€21▼

Credit institutions430/8€27€21▼

Trade debts44€12k€9k▼

Suppliers440/4€12k€9k▼

Taxes, remuneration and social security45€2k€3k▲

Taxes450/3€2k€3k▲

Other amounts payable47/48€3k€7k▲

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼

Other operating charges640/8€290€88▼

Non-recurring operating charges66A€97€55▼

Gross operating margin9900€12k€7k▼

Operating profit (loss)9901€4k€-2▼

Financial income75/76B€69€3▼

Recurring financial income75€69€3▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€3k€-1k▼

Income taxes67/77€2k€140▼

Profit (loss) for the period9904€1k€-2k▼

Profit (loss) for the period to be appropriated9905€1k€-2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€9k€8k▼

Profit (loss) brought forward from the previous period14P€8k€9k▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

24-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-2k ▼216%

Net result drops to €-2k, the lowest in the series.

20-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 51 days late

2023

22-12

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 144 days late

01-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 366 days late

2022

31-12

Financial Back to profitnet €9k

Net result €9k after 2 loss-making years.

2021

10-11

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 102 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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-Agatha-Berchem · 2 establishment units since 2020

establishment All 2 establishment units on the map

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.

Nestor Martinstraat 3191082 Sint-Agatha-Berchem

Ground area

5,384 m²

Building footprint

2,224 m²

Volume, LiDAR

16,565 m³

2 parcels, Brussels, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

L'Instant

Nestor Martinstraat 319, 1082 Sint-Agatha-BerchemSports and recreation education

since 20202.302.164.148

L'Instant

Arthur Van Dormaelstraat 18, 1630 LinkebeekSports and recreation education

since 20202.304.842.437

2 parcels

Flanders 1 (50%) Brussels 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21003A0338/00N002	Brussels	4,977 m²	1 · 2,144 m²	8.6 m · 2 fl.
22003A0143/00X009	Flanders	408 m²	1 · 80 m²	12.2 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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

Tessenderlo-Ham · Eq €11k

Wolk7

BE 0781.967.181

Antwerpen · Eq €12k

Of 8,304 companies in sector 90201 we hold annual accounts for 601. 372 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-12-2019

Fiscal year end31-12

Activities, NACEBEL

90201Performing arts by independent artists

85510Sports and recreation education

85599Other education

85699Other educational support services

86909Human health activities

86995Nutrition and dietetics services

90031Arts creation and performing arts activities

90111Literary creation

93130Fitness centres

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 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.