Innertrade is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €251k and a net result of €228k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 8006 sector peers (fiscal year 2025). The company has been active since 2013 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-12-2025, 135 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
135 d early
2024
156 d early
2023
148 d early
2022
158 d early
2021
166 d early
2020
155 d early
2019
135 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€251k▼ 50.0%
2024 · €503k
2018: €147k
2019: €175k
2020: €343k
2021: €259k
2022: €251k
2023: €432k
2024: €503k
2018 → 2025
Net result
€228k▼ 38.5%
2024 · €371k
2018: €101k
2019: €62k
2020: €168k
2021: €191k
2022: €168k
2023: €356k
2024: €371k
2018 → 2025
Total assets
€492k▼ 18.8%
2024 · €605k
2018: €481k
2019: €536k
2020: €637k
2021: €486k
2022: €427k
2023: €615k
2024: €605k
2018 → 2025
Solvency
51.1%▼ 32.0pp
2024 · 83.1%
2018: 30.5%
2019: 32.6%
2020: 53.8%
2021: 53.2%
2022: 58.9%
2023: 70.3%
2024: 83.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€259k-€251k▼ 2.8%€432k▲ 72.0%€503k▲ 16.4%€251k▼ 50.0%
Operating result€257k-€225k▼ 12.7%€483k▲ 115%€497k▲ 2.8%€323k▼ 34.9%
Net result€191k-€168k▼ 12.2%€356k▲ 112%€371k▲ 4.2%€228k▼ 38.5%
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 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€254k▼ 11.8%
Current assets
€238k▼ 25.1%
Equity and liabilities €492k
Equity
€251k▼ 50.0%
Debt
€240k▲ 135%
The debt ratio rises from 16.9% to 48.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
51.1%▼
2024 · 83.1%
ROE
90.7%▲
2024 · 73.7%
ROA
46.4%▼
2024 · 61.3%
Debt
€240k▲
2024 · €102k
Debt ≤ 1 year
€240k▲
2024 · €90k
Income taxes
€80k▼
2024 · €126k
Staff costs
€1k▲
2024 · €420
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€605k€492k▼
Fixed assets21/28€288k€254k▼
Tangible fixed assets22/27€287k€253k▼
Land and buildings22€151k€137k▼
Plant, machinery and equipment23-€4k
Furniture and vehicles24€41k€29k▼
Other tangible fixed assets26€95k€84k▼
Financial fixed assets28€400€400=
Current assets29/58€318k€238k▼
Amounts receivable within one year40/41€56k€76k▲
Trade receivables40€56k€56k▼
Other amounts receivable41-€20k
Cash at bank and in hand54/58€242k€150k▼
Deferred charges and accrued income490/1€19k€12k▼
Equity and liabilities
Total equity and liabilities10/49€605k€492k▼
Equity10/15€503k€251k▼
Contributions10/11€19k€19k=
Reserves13€485k€233k▼
Distributable reserves133€485k€233k▼
Amounts payable17/49€102k€240k▲
Amounts payable after more than one year17€12k-
Financial debts170/4€12k-
Amounts payable within one year42/48€90k€240k▲
Current portion of amounts payable after more than one year42€18k€12k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€61k€33k▼
Taxes450/3€61k€33k▼
Other amounts payable47/48€2k€193k▲
Income statement
Code20242025
Non-recurring operating income76A-€27k
Remuneration, social security and pensions62€420€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€332
Gross operating margin9900€537k€365k▼
Operating profit (loss)9901€497k€323k▼
Financial income75/76B€2€4▲
Recurring financial income75€2€4▲
Financial charges65/66B€444€15k▲
Recurring financial charges65€444€15k▲
Profit (loss) for the period before taxes9903€497k€308k▼
Income taxes67/77€126k€80k▼
Profit (loss) for the period9904€371k€228k▼
Profit (loss) for the period to be appropriated9905€371k€228k▼
Appropriation of the result
Profit (loss) to be appropriated9906€371k€228k▼
Transfer from equity791/2€300k€480k▲
Transfer to equity691/2€371k€228k▼
To other reserves6921€371k€228k▼
Profit to be distributed694/7€300k€480k▲
Return on contributions (dividend)694€300k€480k▲
The notes to these accounts (8 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Highest result since 2018net €371k ▲4.2%
Operating result €497k, net result €371k, both a record.
30-09
Financial
Equity above €500kEq €503k ▲16.4%
7 profitable years in a row build equity to €503k.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-09
Financial
Liquidity triplescurrent ratio 2.01
Current ratio from 0.79 to 2.01.
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Liquidity doublescurrent ratio 1.76
Current ratio from 0.84 to 1.76; short-term debt falls from €156k to €149k.
30-09
Financial
Equity above €200kEq €343k ▲96.1%
3 profitable years in a row build equity to €343k.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
30-09
Financial
Weakest financial yearnet €62k ▼39.1%
Net result drops to €62k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €150kEq €175k ▲18.9%
2 profitable years in a row build equity to €175k.
2018
11-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
23-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-11
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.
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, Ieper · 2 establishment units 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.
Kleine Pennestraat 178900 IeperGround area
1,553 m²
Building footprint
443 m²
Volume, LiDAR
1,356 m³
2 parcels, Flanders · tallest building 12.0 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Innertrade
since 20132.223.297.903
Innertrade
since 20232.349.584.874
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33302A0094/02T007 | Flanders | 1,412 m² | 1 · 349 m² | 12.0 m · 1 fl. |
| 44808H0754/00M000 | Flanders | 140 m² | 1 · 94 m² | 11.6 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 277 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 277 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,660 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2013
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.