IN.PACT
ActiveSummary
The computed 12-month bankruptcy probability of IN.PACT is 1.8% (moderate). The 2024 annual accounts show equity of €15,036 and a net result of -€6,617. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 36386 sector peers (fiscal year 2024). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-74
Solvency100▲+1
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 ample (current ratio 3.76 against 3.63 in 2023; short-term debt: 22.4% and cash: 4.3% of total assets), and 22.4% of the assets are financed with debt.
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Signals
Five 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
raises risk · 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 2024Solvency, return and age of the figures
Solvency
77.6%
Return on assets
-34.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
56 d late
2022
91 d late
2021
87 d late
2020
90 d late
2019
118 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 84 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€15,036▼ 30.6%
2023 · €21,653
Total assets
€19,372▼ 33.8%
2023 · €29,241
Net result
-€6,617
2023 · €1,312
Working capital
€11,988▼ 40.0%
2023 · €19,985
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€375▼ 80.6%€17,344▲ 4,531%€2,276▼ 86.9%€1,856▼ 18.4%-€7,719
Net result€314below the sector's middle half▼ 82.4%€13,278within the sector's middle half▲ 4,132%€947within the sector's middle half▼ 92.9%€1,312within the sector's middle half▲ 38.6%-€6,617below the sector's middle half
Equity€16,116below the sector's middle half▲ 2.0%€19,394below the sector's middle half▲ 20.3%€20,341below the sector's middle half▲ 4.9%€21,653within the sector's middle half▲ 6.5%€15,036below the sector's middle half▼ 30.6%
Total assets€25,913below the sector's middle half▲ 37.8%€27,481below the sector's middle half▲ 6.1%€29,183below the sector's middle half▲ 6.2%€29,241below the sector's middle half▲ 0.2%€19,372below the sector's middle half▼ 33.8%
Debt€9,797▲ 227%€8,087▼ 17.4%€8,842▲ 9.3%€7,588▼ 14.2%€4,336▼ 42.9%
Working capital€15,509within the sector's middle half▼ 1.7%€18,918within the sector's middle half▲ 22.0%€19,065within the sector's middle half▲ 0.8%€19,985within the sector's middle half▲ 4.8%€11,988within the sector's middle half▼ 40.0%
Solvency62.2%within the sector's middle half▼ 21.9pp70.6%above the sector's middle half▲ 8.4pp69.7%above the sector's middle half▼ 0.9pp74.1%above the sector's middle half▲ 4.3pp77.6%above the sector's middle half▲ 3.6pp
Current ratio2.58within the sector's middle half▼ 3.683.34above the sector's middle half▲ 0.763.16above the sector's middle half▼ 0.183.63above the sector's middle half▲ 0.483.76above the sector's middle half▲ 0.13
Return on assets (ROA)1.2%within the sector's middle half▼ 8.3pp48.3%above the sector's middle half▲ 47.1pp3.2%within the sector's middle half▼ 45.1pp4.5%within the sector's middle half▲ 1.2pp-34.2%below the sector's middle half▼ 38.6pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
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 €7,719 after €1,856 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €19,372
Fixed assets
€3,049 ▲ 82.7%
Current assets
€16,324 ▼ 40.8%
Equity and liabilities €19,372
Equity
€15,036 ▼ 30.6%
Debt
€4,336 ▼ 42.9%
Debt's share of the balance-sheet total falls from 25.9% to 22.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€6,466▼
2023 · €2,537
Cash flow
-€5,364▼
2023 · €1,993
Debt to equity
0.29▼
2023 · 0.35
ROE
-44.0%▼
2023 · 6.1%
Interest coverage
-92.18▼
2023 · 20.71
Debt ≤ 1 year
€4,336▼
2023 · €7,588
Income taxes
-€368▼
2023 · €1,170
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €195 | €39 | €66 | ▲ 68.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €68 | €130 | €316 | €681 | €1,253 | ▲ 84.1% |
| Other operating charges640/8 | - | €2,258 | €926 | €1,385 | €1,456 | ▲ 5.2% |
| Non-recurring operating charges66A | - | - | €12 | €92 | €3,357 | ▲ 3,534% |
| Gross operating margin9900 | €1,430 | €19,732 | €3,530 | €4,014 | -€1,652 | ▼ 141% |
| Operating profit (loss)9901 | €375 | €17,344 | €2,276 | €1,856 | -€7,719 | ▼ 516% |
| Financial income75/76B | - | €1,062 | - | €749 | €804 | ▲ 7.4% |
| Recurring financial income75 | €1,100 | €1,062 | - | €749 | €804 | ▲ 7.4% |
| Financial charges65/66B | - | €2,975 | €741 | €122 | €70 | ▼ 42.7% |
| Recurring financial charges65 | €69 | €141 | €741 | €122 | €70 | ▼ 42.7% |
| Non-recurring financial charges66B | - | €2,835 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €1,089 | €15,431 | €1,535 | €2,482 | -€6,985 | ▼ 381% |
| Income taxes67/77 | €775 | €2,152 | €588 | €1,170 | -€368 | ▼ 131% |
| Profit (loss) for the period9904 | €314 | €13,278 | €947 | €1,312 | -€6,617 | ▼ 604% |
| Profit (loss) for the period to be appropriated9905 | €314 | €13,278 | €947 | €1,312 | -€6,617 | ▼ 604% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €25,913 | €27,481 | €29,183 | €29,241 | €19,372 | ▼ 33.8% |
| Fixed assets21/28 | €606 | €476 | €1,276 | €1,669 | €3,049 | ▲ 82.7% |
| Tangible fixed assets22/27 | €606 | €476 | €1,276 | €1,669 | €3,049 | ▲ 82.7% |
| Plant, machinery and equipment23 | - | - | - | €895 | €680 | ▼ 24.0% |
| Furniture and vehicles24 | - | €476 | €1,276 | €774 | €2,369 | ▲ 206% |
| Current assets29/58 | €25,306 | €27,005 | €27,908 | €27,573 | €16,324 | ▼ 40.8% |
| Amounts receivable within one year40/41 | €20,569 | €24,029 | €26,387 | €21,567 | €15,164 | ▼ 29.7% |
| Trade receivables40 | - | €1,874 | €12,131 | €5,689 | €475 | ▼ 91.7% |
| Other amounts receivable41 | - | €22,155 | €14,256 | €15,878 | €14,690 | ▼ 7.5% |
| Cash at bank and in hand54/58 | €4,390 | €2,976 | €1,521 | €6,006 | €833 | ▼ 86.1% |
| Deferred charges and accrued income490/1 | - | - | - | - | €326 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €25,913 | €27,481 | €29,183 | €29,241 | €19,372 | ▼ 33.8% |
| Equity10/15 | €16,116 | €19,394 | €20,341 | €21,653 | €15,036 | ▼ 30.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €8,056 | €11,334 | €12,281 | €13,593 | €6,976 | ▼ 48.7% |
| Amounts payable17/49 | €9,797 | €8,087 | €8,842 | €7,588 | €4,336 | ▼ 42.9% |
| Amounts payable within one year42/48 | €9,797 | €8,087 | €8,842 | €7,588 | €4,336 | ▼ 42.9% |
| Trade debts44 | €7,262 | €4,980 | €6,201 | €5,373 | €2,502 | ▼ 53.4% |
| Suppliers440/4 | - | €4,980 | €6,201 | €5,373 | €2,502 | ▼ 53.4% |
| Taxes, remuneration and social security45 | - | €3,108 | €2,642 | €2,215 | €1,834 | ▼ 17.2% |
| Taxes450/3 | - | €3,108 | €2,642 | €2,215 | €1,834 | ▼ 17.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €314 | €13,278 | €947 | €1,312 | -€6,617 | ▼ 604% |
| + Depreciation and write-downs630 | €68 | €130 | €316 | €681 | €1,253 | ▲ 84.1% |
| Operating cash flow (approximation) | €382 | €13,408 | €1,263 | €1,993 | -€5,364 | ▼ 369% |
| Investment in fixed assets (approximation) | - | €0 | -€1,115 | -€1,074 | -€2,633 | ▼ 145% |
| Change in cash | - | -€1,414 | -€1,455 | €4,485 | -€5,172 | ▼ 215% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet -€6,617
Net result drops to -€6,617, the lowest in the series.
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 87 days late
2021
31-12
Financial
Highest result since 2018net €13,278 ▲4,132%
Operating result €17,344, net result €13,278, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 6.26
Current ratio from 2.49 to 6.26; short-term debt falls from €6,281 to €2,999.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 1991
Ground area
117 m²
Building footprint
117 m²
Volume, LiDAR
1,095 m³
Parcel 21612D0077/00L002, Brussels · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Ringlaan 128, 1180 Ukkel
since 19912.051.796.359
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612D0077/00L002 | Brussels | 117 m² | 1 · 117 m² | 12.9 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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BE-SF
BE 0563.403.714
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CREA - DECOR
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Of 913 companies in sector 43333 we hold annual accounts for 401. 253 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-02-1991
Fiscal year end31-12
Activities, NACEBEL 2025
43333Wallpapering and laying of floor and wall coverings in other materials
E-invoicing
Reachable via Peppol
Peppol ID
0208:0443040966
Also
9925:BE0443040966
Registered
28-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.