INTACT
ActiveSummary
INTACT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-35k) and a net result of €3k. Equity is shrinking by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 11% of 898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-23
Solvency0=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.13 against 0.25 in 2024; short-term debt: 164.8% and cash: 12.8% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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 2025Solvency, return and age of the figures
Solvency
-67.4%
Return on assets
6.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 898 sector peers (2025).
NBB · sector comparisonPosition among 898 sector peers
Solvency
better than 11%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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
7 d late
2024
22 d late
2023
2 d early
2022
18 d late
2021
16 d late
2020
16 d late
2019
48 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-35k▲ 9.0%
2024 · €-39k
2018: €-5k
2019: €-32k
2020: €-34k
2021: €-36k
2022: €-42k
2023: €-51k
2024: €-39k
2018 → 2025
Total assets
€53k▲ 120%
2024 · €24k
2018: €64k
2019: €47k
2020: €43k
2021: €36k
2022: €29k
2023: €23k
2024: €24k
2018 → 2025
Net result
€3k▼ 71.6%
2024 · €12k
2018: €8k
2019: €-27k
2020: €-2k
2021: €-2k
2022: €-6k
2023: €-9k
2024: €12k
2018 → 2025
Working capital
€-76k▼ 60.0%
2024 · €-47k
2018: €-61k
2019: €-68k
2020: €-60k
2021: €-57k
2022: €-58k
2023: €-63k
2024: €-47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-36k-€-42k▼ 17.7%€-51k▼ 20.8%€-39k▲ 24.0%€-35k▲ 9.0%
Operating result€-2k-€-6k▼ 173%€-9k▼ 39.0%€12k€4k▼ 70.9%
Net result€-2k-€-6k▼ 166%€-9k▼ 38.2%€12k€3k▼ 71.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53k
Fixed assets
€42k ▲ 399%
Current assets
€11k ▼ 28.9%
Key figures and ratios
EBITDA
€9k▼
2024 · €16k
Cash flow
€9k▼
2024 · €16k
Solvency
-67.4%▲
2024 · -163.1%
Current ratio
0.13▼
2024 · 0.25
Debt to equity
-2.48▼
2024 · -1.61
ROA
6.6%▼
2024 · 51.5%
Interest coverage
53.27▼
2024 · 86.07
Debt
€88k▲
2024 · €63k
Debt ≤ 1 year
€87k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24k€53k▲
Fixed assets21/28€8k€42k▲
Tangible fixed assets22/27€8k€42k▲
Land and buildings22€8k€42k▲
Current assets29/58€16k€11k▼
Amounts receivable within one year40/41€2k€3k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€12k€7k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€24k€53k▲
Equity10/15€-39k€-35k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-107k€-104k▲
Amounts payable17/49€63k€88k▲
Amounts payable within one year42/48€63k€87k▲
Trade debts44€219€7▼
Suppliers440/4€219€7▼
Taxes, remuneration and social security45€26-
Taxes450/3€26-
Other amounts payable47/48€63k€87k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€22k€15k▼
Operating profit (loss)9901€12k€4k▼
Financial income75/76B€11€30▲
Recurring financial income75€11€30▲
Financial charges65/66B€185€171▼
Recurring financial charges65€185€171▼
Profit (loss) for the period before taxes9903€12k€3k▼
Profit (loss) for the period9904€12k€3k▼
Profit (loss) for the period to be appropriated9905€12k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-107k€-104k▲
Profit (loss) brought forward from the previous period14P€-119k€-107k▲
The notes to these accounts (4 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after 5 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Weakest financial yearnet €-27k ▼419%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Crisnée · 1 establishment unit since 1998
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.
Rue Léon Mélon 194367 CrisnéeGround area
811 m²
Building footprint
115 m²
Volume, LiDAR
749 m³
Parcel 64413B0548/00H000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Léon Mélon 17, 4367 Crisnée
since 19982.088.511.255
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64413B0548/00H000 | Wallonia | 811 m² | 1 · 115 m² | 7.9 m · 2 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.
Similar companies · same sector and region
Centre d'activités de la Hayette
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AD SPORTHORSES
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Grâce-Hollogne
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Dalhem
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BE 0451.455.519
Flémalle
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 830 companies in sector 93127 we hold annual accounts for 196. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-11-1996
Fiscal year end31-12
Activities, NACEBEL 2025
93127Equestrian clubs
01430Raising of horses and other equines
93110Operation of sports facilities
93199Other sports activities
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.