INTEGRA
ActiveSummary
INTEGRA has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €435,270 and a net result of €62,221. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 30% of 4926 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▲+7
Solvency52▼-41
Growth64▲+16
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.34 against 2.98 in 2024; short-term debt: 73% and cash: 21% of total assets), and 73% of the assets are financed with debt.
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Signals
Six 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
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
27%
Return on assets
3.9%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
28 d early
2023
1 d late
2022
35 d early
2021
58 d late
2020
9 d early
2019
1 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 9 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€1.2m▲ 2.6%
2023 · €1.2m
EBIT margin
5.4%▼ 0.6pp
2023 · 6.1%
Net result
€62,221▲ 39.8%
2024 · €44,507
Working capital
€405,013▲ 2.4%
2024 · €395,413
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale 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
Turnover€1.1m▲ 8.3%€1.2m▲ 10.0%€1.2m▲ 0.8%€1.2m▲ 2.6%
Operating result€143,708▲ 100%€115,897▼ 19.4%€73,324▼ 36.7%€67,328▼ 8.2%€91,333▲ 35.7%
Net result€98,597within the sector's middle half▲ 103%€69,268within the sector's middle half▼ 29.7%€53,718within the sector's middle half▼ 22.4%€44,507within the sector's middle half▼ 17.1%€62,221within the sector's middle half▲ 39.8%
EBIT margin13.2%▲ 6.1pp9.7%▼ 3.5pp6.1%▼ 3.6pp5.4%▼ 0.6pp
Equity€414,254within the sector's middle half▲ 0.1%€417,523within the sector's middle half▲ 0.8%€421,741within the sector's middle half▲ 1.0%€423,048within the sector's middle half▲ 0.3%€435,270within the sector's middle half▲ 2.9%
Total assets€631,384below the sector's middle half▲ 12.2%€645,873below the sector's middle half▲ 2.3%€623,012below the sector's middle half▼ 3.5%€622,818below the sector's middle half=€1.6mwithin the sector's middle half▲ 159%
Debt€217,130▲ 45.4%€228,351▲ 5.2%€201,271▼ 11.9%€199,769▼ 0.7%€1.2m▲ 490%
Working capital€407,417▲ 0.9%€409,177▲ 0.4%€396,797▼ 3.0%€395,413▼ 0.3%€405,013▲ 2.4%
Solvency65.6%above the sector's middle half▼ 7.9pp64.6%above the sector's middle half▼ 1.0pp67.7%above the sector's middle half▲ 3.0pp67.9%above the sector's middle half▲ 0.2pp27.0%within the sector's middle half▼ 40.9pp
Staff (FTE)5.8within the sector's middle half=6within the sector's middle half▲ 3.4%6within the sector's middle half=6.1within the sector's middle half▲ 1.7%5.4within the sector's middle half▼ 11.5%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.6m
Fixed assets
€30,257 ▲ 9.5%
Current assets
€1.6m ▲ 166%
Equity and liabilities €1.6m
Equity
€435,270 ▲ 2.9%
Debt
€1.2m ▲ 490%
Debt's share of the balance-sheet total rises from 32.1% to 73.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€99,883▲
2024 · €75,034
Cash flow
€70,771▲
2024 · €52,213
Current ratio
1.34▼
2024 · 2.98
Quick ratio
0.56▼
2024 · 2.98
Debt to equity
2.71▲
2024 · 0.47
ROE
14.3%▲
2024 · 10.5%
ROA
3.9%▼
2024 · 7.1%
Interest coverage
95.11▼
2024 · 104.10
Debt ≤ 1 year
€1.2m▲
2024 · €199,769
Income taxes
€30,592▲
2024 · €24,000
Staff costs
€823,300▼
2024 · €852,905
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,972 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.2%
went bankrupt
2.2%
stopped otherwise
96%
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 0.4% 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 497,058 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% | 1.6% |
| 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 74% 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 3,972 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 |
|---|---|---|---|---|---|---|
| Operating income70/76A | €1.2m | €1.3m | €1.3m | €1.3m | - | - |
| Turnover70 | €1.1m | €1.2m | €1.2m | €1.2m | - | - |
| Other operating income74 | €87,465 | €88,713 | €82,941 | €85,545 | - | - |
| Operating charges60/66A | €1.0m | €1.2m | €1.2m | €1.3m | - | - |
| Services and other goods61 | €351,863 | €385,935 | €390,411 | €385,662 | - | - |
| Remuneration, social security and pensions62 | €663,373 | €769,738 | €809,132 | €852,905 | €823,300 | ▼ 3.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,242 | €8,513 | €9,340 | €7,706 | €8,550 | ▲ 10.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €965 | - | - | - |
| Other operating charges640/8 | €9,573 | €7,137 | €7,399 | €10,593 | €8,636 | ▼ 18.5% |
| Gross operating margin9900 | - | - | - | - | €931,819 | - |
| Operating profit (loss)9901 | €143,708 | €115,897 | €73,324 | €67,328 | €91,333 | ▲ 35.7% |
| Financial income75/76B | - | €0 | €239 | €2,840 | €2,531 | ▼ 10.9% |
| Recurring financial income75 | - | €0 | €239 | €2,840 | €2,531 | ▼ 10.9% |
| Other financial income752/9 | - | €0 | €239 | €2,840 | - | - |
| Financial charges65/66B | €1,361 | €1,682 | €1,532 | €1,661 | €1,050 | ▼ 36.8% |
| Recurring financial charges65 | €1,361 | €1,682 | €1,532 | €1,661 | €1,050 | ▼ 36.8% |
| Debt charges650 | €168 | €205 | €622 | €721 | - | - |
| Other financial charges652/9 | €1,192 | €1,478 | €909 | €940 | - | - |
| Profit (loss) for the period before taxes9903 | €142,347 | €114,215 | €72,031 | €68,507 | €92,814 | ▲ 35.5% |
| Income taxes67/77 | €43,750 | €44,946 | €18,313 | €24,000 | €30,592 | ▲ 27.5% |
| Taxes670/3 | €43,750 | €45,348 | €25,000 | €25,000 | - | - |
| Tax adjustments and reversals of tax provisions77 | - | €402 | €6,687 | €1,000 | - | - |
| Profit (loss) for the period9904 | €98,597 | €69,268 | €53,718 | €44,507 | €62,221 | ▲ 39.8% |
| Profit (loss) for the period to be appropriated9905 | €98,597 | €69,268 | €53,718 | €44,507 | €62,221 | ▲ 39.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €631,384 | €645,873 | €623,012 | €622,818 | €1.6m | ▲ 159% |
| Fixed assets21/28 | €14,816 | €8,346 | €24,944 | €27,635 | €30,257 | ▲ 9.5% |
| Tangible fixed assets22/27 | €14,816 | €8,346 | €24,944 | €27,635 | €30,257 | ▲ 9.5% |
| Plant, machinery and equipment23 | €4,494 | €3,182 | €13,796 | €18,404 | €22,942 | ▲ 24.7% |
| Furniture and vehicles24 | - | - | €9,404 | €8,359 | €7,314 | ▼ 12.5% |
| Other tangible fixed assets26 | €10,322 | €5,165 | €1,743 | €872 | - | - |
| Current assets29/58 | €616,568 | €637,527 | €598,068 | €595,183 | €1.6m | ▲ 166% |
| Stocks and contracts in progress3 | - | - | - | - | €924,316 | - |
| Stocks30/36 | - | - | - | - | €924,316 | - |
| Amounts receivable within one year40/41 | €86,126 | €195,887 | €79,984 | €204,248 | €66,688 | ▼ 67.3% |
| Trade receivables40 | €69,295 | €185,118 | €67,630 | €193,649 | €54,567 | ▼ 71.8% |
| Other amounts receivable41 | €16,832 | €10,769 | €12,354 | €10,599 | €12,121 | ▲ 14.4% |
| Current investments50/53 | - | - | - | - | €250,000 | - |
| Cash at bank and in hand54/58 | €526,842 | €438,040 | €514,484 | €387,335 | €338,061 | ▼ 12.7% |
| Deferred charges and accrued income490/1 | €3,600 | €3,600 | €3,600 | €3,600 | €3,694 | ▲ 2.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €631,384 | €645,873 | €623,012 | €622,818 | €1.6m | ▲ 159% |
| Equity10/15 | €414,254 | €417,523 | €421,741 | €423,048 | €435,270 | ▲ 2.9% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Non-distributable reserves130/1 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | €346,054 | €349,323 | €353,541 | €354,848 | €367,070 | ▲ 3.4% |
| Amounts payable17/49 | €217,130 | €228,351 | €201,271 | €199,769 | €1.2m | ▲ 490% |
| Amounts payable within one year42/48 | €209,152 | €228,351 | €201,271 | €199,769 | €1.2m | ▲ 490% |
| Financial debts43 | €8,366 | €8,375 | €8,471 | €8,478 | - | - |
| Credit institutions430/8 | €8,366 | €8,375 | €8,471 | €8,478 | - | - |
| Trade debts44 | €2,603 | €41,127 | €9,937 | €9,888 | €1.0m | ▲ 10,138% |
| Suppliers440/4 | €2,603 | €41,127 | €9,937 | €9,888 | €988,035 | ▲ 9,892% |
| Bills of exchange payable441 | - | - | - | - | €24,335 | - |
| Taxes, remuneration and social security45 | €100,182 | €112,848 | €133,363 | €136,103 | €115,376 | ▼ 15.2% |
| Taxes450/3 | €18,750 | €17,761 | €25,200 | €16,122 | €5,063 | ▼ 68.6% |
| Remuneration and social security454/9 | €81,432 | €95,087 | €108,163 | €119,981 | €110,312 | ▼ 8.1% |
| Other amounts payable47/48 | €98,000 | €66,000 | €49,500 | €45,300 | €50,000 | ▲ 10.4% |
| Accrued charges and deferred income492/3 | €7,978 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €98,597 | €69,268 | €53,718 | €44,507 | €62,221 | ▲ 39.8% |
| + Depreciation and write-downs630 | €8,242 | €8,513 | €9,340 | €7,706 | €8,550 | ▲ 10.9% |
| Operating cash flow (approximation) | €106,839 | €77,781 | €63,059 | €52,213 | €70,771 | ▲ 35.5% |
| Investment in fixed assets (approximation) | - | -€2,043 | -€25,938 | -€10,397 | -€11,171 | ▼ 7.4% |
| Change in cash | - | -€88,802 | €76,444 | -€127,149 | -€49,274 | ▲ 61.2% |
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 1 day late
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 58 days late
2021
31-12
Financial
Highest result since 2018net €98,597 ▲103%
Operating result €143,708, net result €98,597, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €35,196 ▼31.7%
Net result drops to €35,196, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 10 days late
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 13 acts read
About the unread acts
We know of 13 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
13 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, Waterloo · 1 establishment unit since 2014
Ground area
1,338 m²
Building footprint
175 m²
Volume, LiDAR
1,273 m³
Parcel 25763L0647/00P000, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
INTEGRA
since 20142.231.566.657
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763L0647/00P000 | Wallonia | 1,338 m² | 1 · 175 m² | 10.1 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.
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Of 538 companies in sector 46120 we hold annual accounts for 304. 202 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded09-06-1999
Fiscal year end31-12
Activities, NACEBEL 2025
46120Wholesale trade
46851Wholesale of industrial chemicals
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466210704
Also
9925:BE0466210704
Registered
15-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.