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Instore

Active
Public limited companyfounded 1974active for 52 yearsTenbosstraat 90, 1050 Elsene, BelgiumKBO/BCE: BE 0414.016.289
Summary

Instore has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €106,014. Equity is growing by about 8.9% per year across the filed financial years. Its solvency ranks better than 19% of 2,433 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisFollow ReportCompare
InstoreActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Wallpapering and laying of floor and wall coverings in other materials
NACE 43333Retail sale of household furniture NACE 47551
4th oldest company in Elsene, Construction sector3 sites
Size
€6.5mtotal assets 2025
Staff
4.4 FTE
Equity
€1.2m
Profit
€106,014
Financial health
81 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Accounts filed 31 days late1 of 8 deeds read
Why 81raises riskEquity €1.2m (18.3% of total assets)Sector: Specialised construction activities (NACE 43)Latest accounts 31 days late; 3 of the last 3 latelowers riskSize: 4.4 FTE, total assets €6.5mShow the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 32% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 43-13
equity 18.3% of total assets
Liquidity 36-29
short-term debt 65.1% · cash 16.6%
Profitability 71-1
return on assets 1.6%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,613 companies, NACE 43, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.6%▲ +0.3 percentage points vs 07-2025 09-2025: 0.7%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 0.2%▼ -0.5 percentage points vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026lowest value 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.4%● unchanged vs 08-2026 10-2026: 0.4%● unchanged vs 09-2026
Credit of up to €95,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.28, compared with 1.91 in 2024, below the usual 1.5; short-term debt: 65.1% and cash: 16.6% of total assets), and 81.7% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro): better than 20% on solvency, 25% on liquidity, 39% on profitability and 45% on growth.

The bankruptcy probability was computed on 23-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Equity €1.2m (18.3% of total assets)
NBB · annual accounts
lowers risk · Size: 4.4 FTE, total assets €6.5m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Latest accounts 31 days late; 3 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2433 sector peers (2025).
NBB · sector comparison
Position among 2433 sector peers
Solvency
better than 19%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
31 days late
2024
31 days late
2023
31 days late
2022
31 days late
2021
17 days early
2020
19 days late
2019
35 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 13 days after the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
24-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Annual accounts filedfinancial year 2023 · full…

Key points

  • Caution: Among the weakest 19% on solvencysector median 42.5% · 2,433 companies 18.3% View
  • Positive: 8 profitable years in a rowprofit 2025: €106,014 8 years View
  • Active since 1974founded 29-01-1974 52 years View

By topic

Financials

Financial year
2025
Total assets
€6.5m
Profit
€106,014
Solvency
18.3%
Total assets▲ 75.9%
Net result
20182025
Go to Financials

Timeline

Events
54
Since
1978
Next accounts
by 31-07-2027
  1. 01-12-2023Resignations: Chuck BINDELS, Nelson BINDELS and BGSA
  2. 31-08-2023Annual accounts filed
  3. 14-07-2022Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Public limited company
Activity
Wallpapering and laying of floor and wall coverings…NACE 43333
Founded
29-01-1974
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Instore

What is the company number of Instore?
0414.016.289. In Belgium the VAT number is the company number with BE in front: BE 0414.016.289.
Where is Instore based?
The registered office is at Tenbosstraat 90, 1050 Elsene.Company details
What does Instore do?
According to the KBO register, the main activity is wallpapering and laying of floor and wall coverings in other materials (NACE 43333).
What is the legal form of Instore?
Public limited company (NV).
When was Instore founded?
On 29-01-1974.
Is Instore still active?
Yes, Instore is an active enterprise in the KBO register.
How many employees does Instore have?
On average 4.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Instore?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Instore profitable?
In financial year 2025, Instore made a profit of €106,014.
Where can I find the annual accounts of Instore?
Instore filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Instore due?
By 31-07-2027, for financial year 2026.Timeline

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