Summary
EL-INTERIEUR is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €81k and a net result of €-12k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 13% of 9863 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 9863 sector peers (2024).
NBB · sector comparisonPosition among 9863 sector peers
Solvency
better than 13%
← weakest
strongest →
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 23-06-2025, 38 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
28 d early
2022
26 d early
2021
32 d early
2020
22 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€81k▼ 13.2%
2023 · €93k
2019: €15k
2020: €54k
2021: €106k
2022: €117k
2023: €93k
2019 → 2024
Net result
€-12k▲ 49.8%
2023 · €-24k
2019: €9k
2020: €39k
2021: €52k
2022: €11k
2023: €-24k
2019 → 2024
Total assets
€1.10M▼ 7.6%
2023 · €1.18M
2019: €112k
2020: €200k
2021: €935k
2022: €921k
2023: €1.18M
2019 → 2024
Solvency
7.4%▼ 0.5pp
2023 · 7.8%
2019: 13.3%
2020: 26.8%
2021: 11.4%
2022: 12.8%
2023: 7.8%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€54k-€106k▲ 97.8%€117k▲ 10.7%€93k▼ 20.8%€81k▼ 13.2%
Operating result€51k-€73k▲ 44.7%€23k▼ 68.0%€-18k€-25k▼ 37.5%
Net result€39k-€52k▲ 35.3%€11k▼ 78.3%€-24k€-12k▲ 49.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2024 against €18k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.10M
Fixed assets
€776k ▼ 11.4%
Current assets
€320k ▲ 3.1%
Equity and liabilities €1.10M
Equity
€81k ▼ 13.2%
Debt
€1.01M ▼ 7.1%
Debt's share of the balance-sheet total rises from 92.2% to 92.6%. Equity and debt are lower.
Key figures and ratios
ROE
-15.2%▲
2023 · -26.3%
ROA
-1.1%▲
2023 · -2.1%
Debt ≤ 1 year
€559k▲
2023 · €545k
Debt > 1 year
€456k▼
2023 · €547k
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 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.18M€1.10M▼
Fixed assets21/28€875k€776k▼
Tangible fixed assets22/27€875k€776k▼
Land and buildings22€875k€776k▼
Current assets29/58€310k€320k▲
Stocks and contracts in progress3€283k€283k=
Stocks30/36€283k€283k=
Amounts receivable within one year40/41€30€895▲
Trade receivables40€3€869▲
Other amounts receivable41€27€27=
Cash at bank and in hand54/58€27k€36k▲
Deferred charges and accrued income490/1-€18
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.10M▼
Equity10/15€93k€81k▼
Contributions10/11€117k€6k▼
Reserves13-€111k
Distributable reserves133-€111k
Profit (loss) carried forward14€-24k€-37k▼
Amounts payable17/49€1.09M€1.01M▼
Amounts payable after more than one year17€547k€456k▼
Financial debts170/4€547k€456k▼
Amounts payable within one year42/48€545k€559k▲
Current portion of amounts payable after more than one year42€45k€41k▼
Trade debts44€285€36▼
Suppliers440/4€285€36▼
Taxes, remuneration and social security45€1k€520▼
Taxes450/3€1k€520▼
Other amounts payable47/48€498k€517k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€31k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€22k€11k▼
Operating profit (loss)9901€-18k€-25k▼
Financial income75/76B€2k€20k▲
Recurring financial income75€2k€20k▲
Non-recurring financial income76B€2k€20k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€-24k€-12k▲
Income taxes67/77€20-
Profit (loss) for the period9904€-24k€-12k▲
Profit (loss) for the period to be appropriated9905€-24k€-12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-37k▼
Profit (loss) brought forward from the previous period14P-€-24k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-24k ▼315%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €52k ▲35.3%
Operating result €73k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €106k ▲97.8%
3 profitable years in a row build equity to €106k.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Kalmthout · 1 establishment unit since 2018
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.
Beauvoislaan (Heide) 202920 KalmthoutGround area
1,581 m²
Building footprint
197 m²
Volume, LiDAR
1,310 m³
Parcel 11662E0592/00Z008, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EL-Interieur BVBA
since 20182.282.573.613
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662E0592/00Z008 | Flanders | 1,581 m² | 1 · 197 m² | 9.9 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 777 EUR awarded · 777 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 777 EUR | 777 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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NELHED
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FORT.
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Tackoen
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,787 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
Founded22-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.