INDESTEEGE
ActiveSummary
INDESTEEGE has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117,304 and a net result of €17,689. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78=
Solvency72▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 5.15 against 3.89 in 2024; short-term debt: 18.3% and cash: 35% of total assets), but 52.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
47.4%
Return on assets
7.2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 30-01-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d late
2023
56 d early
2022
29 d early
2021
28 d early
2020
30 d early
2019
9 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 21 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 31-07-2026 and is due by 28-02-2027. Nothing is late today. Usually files around 30 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-07-2026 close28-09-2026 today28-02-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€117,304▲ 17.8%
2024 · €99,615
Total assets
€247,295▲ 4.9%
2024 · €235,818
Net result
€17,689▼ 8.0%
2024 · €19,234
Working capital
€187,413▲ 19.8%
2024 · €156,383
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result€35,356▲ 77.1%€37,584▲ 6.3%€27,185▼ 27.7%€28,084▲ 3.3%€29,085▲ 3.6%
Net result€27,556above the sector's middle half▲ 123%€30,994above the sector's middle half▲ 12.5%€19,896within the sector's middle half▼ 35.8%€19,234within the sector's middle half▼ 3.3%€17,689within the sector's middle half▼ 8.0%
Equity€29,490within the sector's middle half▲ 1,425%€60,485within the sector's middle half▲ 105%€80,380within the sector's middle half▲ 32.9%€99,615within the sector's middle half▲ 23.9%€117,304within the sector's middle half▲ 17.8%
Total assets€218,048within the sector's middle half▼ 18.5%€232,874within the sector's middle half▲ 6.8%€220,488within the sector's middle half▼ 5.3%€235,818within the sector's middle half▲ 7.0%€247,295within the sector's middle half▲ 4.9%
Debt€188,558▼ 29.0%€172,389▼ 8.6%€140,108▼ 18.7%€136,204▼ 2.8%€129,991▼ 4.6%
Working capital€121,698above the sector's middle half▼ 22.8%€130,098above the sector's middle half▲ 6.9%€124,852above the sector's middle half▼ 4.0%€156,383above the sector's middle half▲ 25.3%€187,413above the sector's middle half▲ 19.8%
Solvency13.5%within the sector's middle half▲ 12.8pp26.0%within the sector's middle half▲ 12.4pp36.5%within the sector's middle half▲ 10.5pp42.2%within the sector's middle half▲ 5.8pp47.4%within the sector's middle half▲ 5.2pp
Current ratio3.64above the sector's middle half▼ 0.663.32above the sector's middle half▼ 0.323.08above the sector's middle half▼ 0.253.89above the sector's middle half▲ 0.815.15above the sector's middle half▲ 1.27
Return on assets (ROA)12.6%within the sector's middle half▲ 8.0pp13.3%above the sector's middle half▲ 0.7pp9.0%within the sector's middle half▼ 4.3pp8.2%within the sector's middle half▼ 0.9pp7.2%within the sector's middle half▼ 1.0pp
Staff (FTE)2▼ 9.1%1.8▼ 10.0%2▲ 11.1%2=1.6▼ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247,295
Fixed assets
€14,736 ▼ 41.6%
Current assets
€232,559 ▲ 10.4%
Equity and liabilities €247,295
Equity
€117,304 ▲ 17.8%
Debt
€129,991 ▼ 4.6%
Debt's share of the balance-sheet total falls from 57.8% to 52.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39,580▲
2024 · €39,239
Cash flow
€28,184▼
2024 · €30,389
Quick ratio
1.95▲
2024 · 1.30
Debt to equity
1.11▼
2024 · 1.37
ROE
15.1%▼
2024 · 19.3%
Interest coverage
6.07▲
2024 · 5.83
Debt ≤ 1 year
€45,145▼
2024 · €54,204
Debt > 1 year
€80,000=
2024 · €80,000
Income taxes
€5,444▲
2024 · €2,170
Staff costs
€27,348▼
2024 · €28,209
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,349 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% 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 31,349 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €45,088 | €53,224 | €28,209 | €27,348 | ▼ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,747 | €9,783 | €11,258 | €11,155 | €10,495 | ▼ 5.9% |
| Other operating charges640/8 | - | €1,226 | €1,263 | €1,958 | €1,844 | ▼ 5.9% |
| Gross operating margin9900 | €82,548 | €93,682 | €92,930 | €69,407 | €68,771 | ▼ 0.9% |
| Operating profit (loss)9901 | €35,356 | €37,584 | €27,185 | €28,084 | €29,085 | ▲ 3.6% |
| Financial income75/76B | - | €2 | €313 | €51 | €568 | ▲ 1,020% |
| Recurring financial income75 | €45 | €2 | €313 | €51 | €568 | ▲ 1,020% |
| Financial charges65/66B | - | €4,939 | €5,442 | €6,730 | €6,519 | ▼ 3.1% |
| Recurring financial charges65 | €5,682 | €4,939 | €5,442 | €6,730 | €6,519 | ▼ 3.1% |
| Profit (loss) for the period before taxes9903 | €29,719 | €32,646 | €22,056 | €21,404 | €23,133 | ▲ 8.1% |
| Income taxes67/77 | €2,163 | €1,652 | €2,160 | €2,170 | €5,444 | ▲ 151% |
| Profit (loss) for the period9904 | €27,556 | €30,994 | €19,896 | €19,234 | €17,689 | ▼ 8.0% |
| Profit (loss) for the period to be appropriated9905 | €27,556 | €30,994 | €19,896 | €19,234 | €17,689 | ▼ 8.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €218,048 | €232,874 | €220,488 | €235,818 | €247,295 | ▲ 4.9% |
| Fixed assets21/28 | €50,258 | €46,786 | €35,528 | €25,231 | €14,736 | ▼ 41.6% |
| Tangible fixed assets22/27 | €49,997 | €46,526 | €35,268 | €24,971 | €14,476 | ▼ 42.0% |
| Plant, machinery and equipment23 | - | €198 | €130 | €63 | €0 | ▼ 100% |
| Furniture and vehicles24 | - | €6,496 | €4,169 | €1,960 | €0 | ▼ 100% |
| Other tangible fixed assets26 | - | €39,832 | €30,969 | €22,949 | €14,476 | ▼ 36.9% |
| Financial fixed assets28 | €260 | €260 | €260 | €260 | €260 | = |
| Current assets29/58 | €167,791 | €186,088 | €184,960 | €210,587 | €232,559 | ▲ 10.4% |
| Stocks and contracts in progress3 | €116,610 | €127,425 | €132,491 | €139,950 | €144,438 | ▲ 3.2% |
| Stocks30/36 | - | €127,425 | €132,491 | €139,950 | €144,438 | ▲ 3.2% |
| Amounts receivable within one year40/41 | €1,030 | €773 | €773 | €1,293 | €773 | ▼ 40.3% |
| Other amounts receivable41 | - | €773 | €773 | €1,293 | €773 | ▼ 40.3% |
| Cash at bank and in hand54/58 | €49,409 | €57,116 | €50,830 | €68,454 | €86,450 | ▲ 26.3% |
| Deferred charges and accrued income490/1 | - | €774 | €867 | €891 | €898 | ▲ 0.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €218,048 | €232,874 | €220,488 | €235,818 | €247,295 | ▲ 4.9% |
| Equity10/15 | €29,490 | €60,485 | €80,380 | €99,615 | €117,304 | ▲ 17.8% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €181,756 | €40,485 | €60,380 | €79,615 | €97,304 | ▲ 22.2% |
| Non-distributable reserves130/1 | - | €10,000 | €10,000 | €0 | - | - |
| Reserves not available under the articles1311 | - | €10,000 | €10,000 | €0 | - | - |
| Tax-exempt reserves132 | - | €15,000 | €15,000 | €15,000 | €15,000 | = |
| Distributable reserves133 | - | €15,485 | €35,380 | €64,615 | €82,304 | ▲ 27.4% |
| Profit (loss) carried forward14 | -€172,266 | - | - | - | - | - |
| Amounts payable17/49 | €188,558 | €172,389 | €140,108 | €136,204 | €129,991 | ▼ 4.6% |
| Amounts payable after more than one year17 | €135,000 | €110,000 | €80,000 | €80,000 | €80,000 | = |
| Financial debts170/4 | - | €110,000 | €80,000 | €80,000 | €80,000 | = |
| Amounts payable within one year42/48 | €46,092 | €55,989 | €60,108 | €54,204 | €45,145 | ▼ 16.7% |
| Trade debts44 | €22,529 | €29,794 | €36,281 | €30,479 | €24,922 | ▼ 18.2% |
| Suppliers440/4 | - | €29,794 | €36,281 | €30,479 | €24,922 | ▼ 18.2% |
| Taxes, remuneration and social security45 | - | €18,685 | €15,295 | €17,674 | €17,538 | ▼ 0.8% |
| Taxes450/3 | - | €9,270 | €7,945 | €11,461 | €11,017 | ▼ 3.9% |
| Remuneration and social security454/9 | - | €9,415 | €7,350 | €6,214 | €6,521 | ▲ 4.9% |
| Other amounts payable47/48 | - | €7,510 | €8,532 | €6,050 | €2,685 | ▼ 55.6% |
| Accrued charges and deferred income492/3 | - | €6,400 | €0 | €2,000 | €4,846 | ▲ 142% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27,556 | €30,994 | €19,896 | €19,234 | €17,689 | ▼ 8.0% |
| + Depreciation and write-downs630 | €11,747 | €9,783 | €11,258 | €11,155 | €10,495 | ▼ 5.9% |
| Operating cash flow (approximation) | €39,303 | €40,778 | €31,154 | €30,389 | €28,184 | ▼ 7.3% |
| Investment in fixed assets (approximation) | - | -€6,312 | €0 | -€858 | €0 | ▲ 100% |
| Change in cash | - | €7,707 | -€6,286 | €17,624 | €17,996 | ▲ 2.1% |
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
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
Financial
Equity above €100,000Eq €117,304 ▲17.8%
6 profitable years in a row build equity to €117,304.
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-07
Financial
Highest result since 2019net €30,994 ▲12.5%
Operating result €37,584, net result €30,994, both a record.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
Financial
Back to profitnet €12,373
Net result €12,373 after one loss-making year.
20-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-02
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 2 acts read
About the unread acts
We know of 2 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
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, Genk · 1 establishment unit since 1995
Ground area
330 m²
Building footprint
220 m²
Volume, LiDAR
2,282 m³
Parcel 71016I1006/00F003, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Stationsstraat 22, 3600 Genk
since 19952.073.130.520
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I1006/00F003 | Flanders | 330 m² | 1 · 220 m² | 15.5 m · 4 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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MARIE-JOSEE COUTURE
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4K DECOR
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Of 1,271 companies in sector 47512 we hold annual accounts for 581. 492 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
Founded31-08-1995
Fiscal year end31-07
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0455898218
Registered
25-11-2025
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.