IN-DIRECT
ActiveIN-DIRECT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €4k. Equity is growing by ~9.3% per year across the filed fiscal years. Its solvency ranks better than 88% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-13
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 7.34 against 4.34 in 2024), and 11.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
88.1%
Return on assets
5.2%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filingsDeviation from the deadline
2025
26 d late
2024
3 d early
2023
23 d early
2022
29 d late
2021
30 d late
2020
31 d late
2019
59 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 6.3%
2024 · €71k
2018: €39k
2019: €42k
2020: €42k
2021: €54k
2022: €60k
2023: €64k
2024: €71k
2018 → 2025
Total assets
€85k▼ 6.5%
2024 · €91k
2018: €60k
2019: €71k
2020: €83k
2021: €91k
2022: €107k
2023: €88k
2024: €91k
2018 → 2025
Net result
€4k▼ 26.7%
2024 · €6k
2018: €224
2019: €3k
2020: €436
2021: €11k
2022: €6k
2023: €4k
2024: €6k
2018 → 2025
Working capital
€64k▼ 5.9%
2024 · €69k
2018: €39k
2019: €40k
2020: €40k
2021: €49k
2022: €56k
2023: €63k
2024: €69k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€60k▲ 11.7%€64k▲ 7.3%€71k▲ 9.4%€75k▲ 6.3%
Operating result€19k-€11k▼ 43.7%€9k▼ 17.9%€10k▲ 15.8%€7k▼ 30.3%
Net result€11k-€6k▼ 44.6%€4k▼ 30.1%€6k▲ 38.8%€4k▼ 26.7%
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 2025; 2025 is 30% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €85k
Fixed assets
€10k▲ 434%
Current assets
€75k▼ 16.2%
Equity and liabilities €85k
Equity
€75k▲ 6.3%
Debt
€10k▼ 50.4%
The debt ratio falls from 22.5% to 11.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€9k▼
2024 · €11k
Cash flow
€6k▼
2024 · €7k
Solvency
88.1%▲
2024 · 77.5%
Current ratio
7.34▲
2024 · 4.34
Quick ratio
7.34▲
2024 · 4.34
Debt / equity
0.14▼
2024 · 0.29
ROE
5.9%▼
2024 · 8.6%
ROA
5.2%▼
2024 · 6.7%
Interest coverage
30.61▲
2024 · 18.19
Debt
€10k▼
2024 · €21k
Debt ≤ 1 year
€10k▼
2024 · €21k
Income taxes
€3k▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€91k€85k▼
Fixed assets21/28€2k€10k▲
Tangible fixed assets22/27€2k€10k▲
Plant, machinery and equipment23€1k€780▼
Furniture and vehicles24€635€10k▲
Current assets29/58€89k€75k▼
Amounts receivable within one year40/41€46k€45k▼
Trade receivables40€43k€40k▼
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€43k€30k▼
Equity and liabilities
Total equity and liabilities10/49€91k€85k▼
Equity10/15€71k€75k▲
Contributions10/11€17k€17k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€52k€56k▲
Amounts payable17/49€21k€10k▼
Amounts payable within one year42/48€21k€10k▼
Trade debts44€18k€7k▼
Suppliers440/4€18k€7k▼
Other amounts payable47/48€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€3k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€674€462▼
Gross operating margin9900€12k€9k▼
Operating profit (loss)9901€10k€7k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€629€295▼
Recurring financial charges65€629€295▼
Profit (loss) for the period before taxes9903€10k€7k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€56k▲
Profit (loss) brought forward from the previous period14P€46k€52k▲
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
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €11k ▲2493%
Operating result €19k, net result €11k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 59 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 88 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, Peer · 1 establishment unit since 2013
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.
Sint Trudostraat 61a3990 PeerGround area
1,133 m²
Building footprint
395 m²
Volume, LiDAR
1,756 m³
Parcel 72035B0237/00S002, Flanders · tallest building 10.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
In-Direct BVBA
since 20132.226.115.851
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72035B0237/00S002 | Flanders | 1,133 m² | 1 · 394 m² | 10.1 m · 1 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.
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GREENOVATE CONSULT
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Of 4,406 companies in sector 46180 we hold annual accounts for 1,875. 1,393 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-01-2013
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
46389Wholesale of other food products
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.