IN2-CONCRETE
ActiveSummary
IN2-CONCRETE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €885,961 and a net result of -€23,341. Equity is growing by ~80.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 10429 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▼-19
Solvency70▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity tight (current ratio 1.44 against 1.39 in 2024; short-term debt: 27.3% and cash: 3% of total assets), and 55.3% of the assets are financed with debt.
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Signals
Three 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
33 d early
2024
22 d early
2023
23 d early
2022
11 d early
2021
on the day
2020
5 d early
2019
8 d 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 15 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close26-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€885,961▼ 2.6%
2024 · €909,302
Total assets
€2.0m▼ 6.5%
2024 · €2.1m
Net result
-€23,341
2024 · €437
Working capital
€238,391▲ 2.9%
2024 · €231,679
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€61,982▲ 60.8%€118,084▲ 90.5%€97,005▼ 17.9%€47,889▼ 50.6%€106,484▲ 122%
Net result€26,619▲ 143%€70,928▲ 166%€48,584▼ 31.5%€437▼ 99.1%-€23,341
Equity€79,164▲ 50.7%€150,092▲ 89.6%€896,331▲ 497%€909,302▲ 1.4%€885,961▼ 2.6%
Total assets€1.1m=€1.3m▲ 16.5%€2.2m▲ 67.8%€2.1m▼ 2.3%€2.0m▼ 6.5%
Debt€1.1m=€1.1m▲ 8.1%€1.3m▲ 11.4%€1.2m▼ 5.0%€1.1m▼ 9.4%
Working capital€123,316=€93,544▼ 24.1%€203,529▲ 118%€231,679▲ 13.8%€238,391▲ 2.9%
Staff (FTE)3.3▲ 26.9%3.7▲ 12.1%4.6▲ 24.3%4.4▼ 4.3%4.5▲ 2.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 122% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€1.2m ▼ 6.8%
Current assets
€780,312 ▼ 5.9%
Equity and liabilities €2.0m
Equity
€885,961 ▼ 2.6%
Debt
€1.1m ▼ 9.4%
Debt's share of the balance-sheet total falls from 57.1% to 55.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€204,869▲
2024 · €146,922
Cash flow
€75,043▼
2024 · €99,470
Current ratio
1.44▲
2024 · 1.39
Quick ratio
0.76▼
2024 · 0.84
Debt to equity
1.24▼
2024 · 1.33
ROE
-2.6%▼
2024 · 0.0%
ROA
-1.2%▼
2024 · 0.0%
Interest coverage
1.89▼
2024 · 3.96
Debt ≤ 1 year
€541,921▼
2024 · €597,680
Debt > 1 year
€550,685▼
2024 · €610,548
Income taxes
€37,489▲
2024 · €16,225
Staff costs
€249,439▲
2024 · €236,977
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €5,553 | €0 | - | - | - |
| Remuneration, social security and pensions62 | - | €182,094 | €238,711 | €236,977 | €249,439 | ▲ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65,447 | €42,424 | €57,507 | €99,033 | €98,384 | ▼ 0.7% |
| Other operating charges640/8 | - | €8,609 | €7,870 | €22,708 | €9,823 | ▼ 56.7% |
| Gross operating margin9900 | €265,971 | €351,211 | €401,094 | €406,606 | €464,130 | ▲ 14.1% |
| Operating profit (loss)9901 | €61,982 | €118,084 | €97,005 | €47,889 | €106,484 | ▲ 122% |
| Financial income75/76B | - | €1,275 | €1,905 | €5,865 | €16,305 | ▲ 178% |
| Recurring financial income75 | €2,339 | €1,275 | €1,905 | €5,865 | €16,305 | ▲ 178% |
| Financial charges65/66B | - | €24,848 | €30,506 | €37,092 | €108,641 | ▲ 193% |
| Recurring financial charges65 | €27,035 | €24,848 | €30,506 | €37,092 | €108,641 | ▲ 193% |
| Non-recurring financial charges66B | - | €0 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €37,314 | €94,511 | €68,403 | €16,662 | €14,148 | ▼ 15.1% |
| Income taxes67/77 | €10,695 | €23,583 | €19,819 | €16,225 | €37,489 | ▲ 131% |
| Profit (loss) for the period9904 | €26,619 | €70,928 | €48,584 | €437 | -€23,341 | ▼ 5,442% |
| Profit (loss) for the period to be appropriated9905 | €26,619 | €70,928 | €48,584 | €437 | -€23,341 | ▼ 5,442% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.3m | €2.2m | €2.1m | €2.0m | ▼ 6.5% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €604,143 | €641,347 | €1.4m | €1.3m | €1.2m | ▼ 6.8% |
| Intangible fixed assets21 | €16,448 | €36,074 | €46,984 | €34,425 | €23,381 | ▼ 32.1% |
| Tangible fixed assets22/27 | €587,695 | €605,273 | €1.3m | €1.3m | €1.2m | ▼ 6.1% |
| Land and buildings22 | - | €557,344 | €1.3m | €1.2m | €1.1m | ▼ 5.6% |
| Plant, machinery and equipment23 | - | - | - | €4,994 | €4,951 | ▼ 0.9% |
| Furniture and vehicles24 | - | €47,929 | €42,089 | €37,330 | €27,547 | ▼ 26.2% |
| Financial fixed assets28 | €4,000 | €0 | - | - | - | - |
| Current assets29/58 | €506,272 | €652,639 | €797,452 | €829,359 | €780,312 | ▼ 5.9% |
| Stocks and contracts in progress3 | €211,380 | €271,373 | €276,579 | €327,987 | €369,803 | ▲ 12.7% |
| Stocks30/36 | - | €271,373 | €276,579 | €327,987 | €369,803 | ▲ 12.7% |
| Amounts receivable within one year40/41 | €214,240 | €320,907 | €429,943 | €437,538 | €318,141 | ▼ 27.3% |
| Trade receivables40 | - | €278,407 | €265,400 | €272,036 | €224,365 | ▼ 17.5% |
| Other amounts receivable41 | - | €42,500 | €164,543 | €165,502 | €93,776 | ▼ 43.3% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €100,763 | €56,039 | €74,030 | €56,180 | €60,294 | ▲ 7.3% |
| Deferred charges and accrued income490/1 | - | €4,321 | €16,900 | €7,654 | €32,074 | ▲ 319% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.3m | €2.2m | €2.1m | €2.0m | ▼ 6.5% |
| Equity10/15 | €79,164 | €150,092 | €896,331 | €909,302 | €885,961 | ▼ 2.6% |
| Contributions10/11 | - | €6,200 | €6,200 | €24,800 | €24,800 | = |
| Revaluation surpluses12 | - | - | €697,656 | €661,323 | €624,991 | ▼ 5.5% |
| Reserves13 | €72,964 | €143,892 | €192,475 | €228,808 | €265,140 | ▲ 15.9% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €0 | ▼ 100% |
| Distributable reserves133 | - | €142,032 | €190,615 | €226,948 | €265,140 | ▲ 16.8% |
| Profit (loss) carried forward14 | €0 | - | - | -€5,629 | -€28,970 | ▼ 415% |
| Amounts payable17/49 | €1.1m | €1.1m | €1.3m | €1.2m | €1.1m | ▼ 9.4% |
| Amounts payable after more than one year17 | €672,216 | €583,535 | €679,511 | €610,548 | €550,685 | ▼ 9.8% |
| Financial debts170/4 | - | €520,317 | €615,056 | €547,304 | €517,461 | ▼ 5.5% |
| Other amounts payable178/9 | - | €63,218 | €64,455 | €63,243 | €33,224 | ▼ 47.5% |
| Amounts payable within one year42/48 | €382,956 | €559,095 | €593,923 | €597,680 | €541,921 | ▼ 9.3% |
| Current portion of amounts payable after more than one year42 | - | €62,621 | €75,575 | €87,752 | €78,139 | ▼ 11.0% |
| Financial debts43 | - | €75,000 | €150,000 | €150,000 | €200,000 | ▲ 33.3% |
| Credit institutions430/8 | - | €75,000 | €150,000 | €150,000 | €200,000 | ▲ 33.3% |
| Trade debts44 | €232,643 | €377,085 | €325,159 | €315,207 | €181,003 | ▼ 42.6% |
| Suppliers440/4 | - | €377,085 | €325,159 | €315,207 | €181,003 | ▼ 42.6% |
| Taxes, remuneration and social security45 | - | €44,389 | €43,189 | €44,721 | €82,778 | ▲ 85.1% |
| Taxes450/3 | - | €19,078 | €18,102 | €8,893 | €46,640 | ▲ 424% |
| Remuneration and social security454/9 | - | €25,312 | €25,087 | €35,828 | €36,138 | ▲ 0.9% |
| Accrued charges and deferred income492/3 | - | €1,264 | €1,288 | €2,518 | €4,140 | ▲ 64.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,619 | €70,928 | €48,584 | €437 | -€23,341 | ▼ 5,442% |
| + Depreciation and write-downs630 | €65,447 | €42,424 | €57,507 | €99,033 | €98,384 | ▼ 0.7% |
| Operating cash flow (approximation) | €92,066 | €113,352 | €106,091 | €99,470 | €75,043 | ▼ 24.6% |
| Investment in fixed assets (approximation) | - | -€79,628 | -€789,762 | -€16,120 | -€10,091 | ▲ 37.4% |
| Change in cash | - | -€44,724 | €17,991 | -€17,850 | €4,114 | ▲ 123% |
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
Next filing, fiscal year 2026, expected by
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet -€23,341
Net result drops to -€23,341, the lowest in the series.
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €500,000Eq €896,331 ▲497%
5 profitable years in a row build equity to €896,331.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €70,928 ▲166%
Operating result €118,084, net result €70,928, both a record.
30-06
Financial
Equity above €150,000Eq €150,092 ▲89.6%
4 profitable years in a row build equity to €150,092.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 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, Oosterzele · 1 establishment unit since 2015
Ground area
2,006 m²
Building footprint
882 m²
Volume, LiDAR
4,666 m³
Parcel 44052A0393/00N000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IN2-CONCRETE
since 20152.241.895.276
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44052A0393/00N000 | Flanders | 2,006 m² | 1 · 882 m² | 7.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 48,660 EUR awarded · 48,594 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 106 EUR | 39 EUR |
| 2023 | 2 | 206 EUR | 23,538 EUR |
| 2022 | 3 | 48,348 EUR | 25,017 EUR |
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,287. 957 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
Founded23-02-2015
Fiscal year end30-06
Activities, NACEBEL 2025
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
46630Wholesale trade
Contact
Website
www.in2-polishop.comOosterzele
E-mail
info@in2-concrete.comOosterzele
Phone
0498/35.80.57Oosterzele
Scores and ratios are computed by Checked and are not a credit decision.