Equity
Equity fell by 60% in 10 years.
Equity fell by 60% in 10 years.
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Green is investment, beige is depreciation.
Two of the last ten came late. The 2021 accounts came latest: 20 days after the end of the period.
Lower net result than 90% of companies in auxiliary financial services. Sector median €32,497 · 3,077 companies.
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| INTEGRA Brussels | €37,812 | -€7,851 | 56.2% | - |
| EUROPEAN SURVEY COMPANY Destelbergen | €53,053 | -€5,232 | 82.8% | - |
| NOVA DOMUS Charleroi | €53,350 | -€4,683 | 57.4% | - |
| FLCO Ixelles | €27,786 | €1,354 | 91.3% | - |
| INNOVEX Kortrijk | €36,564 | -€7,985 | 62.6% | - |
| CONSULTING,RESEARCH & DEVELOPMENT Villers-la-Ville | €32,087 | -€460 | 98.6% | - |
| Cornet & Kinsbergen Special Services Mortsel | €52,833 | -€86,327 | -128.2% | - |
These companies have the same main activity as INTEGRA: risk and damage evaluation (NACE 66210). They are comparable in size and age: total assets between €27,800 and €53,400, founded between 1987 and 2008.
INTEGRA files the micro format. That format states no turnover. The gross margin fell from -€4,134 in 2006 to -€7,851 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them.
Higher than 56% of 3,076 companies in 2025.
Lower than 95% of 3,021 companies in 2025.
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||||||||||||
20/58 |
37,812 | 43,681 | 63,177 | 71,947 | 74,286 | 63,045 | 61,694 | 65,289 | 45,308 | 70,329 | 65,870 | 89,230 | 62,484 | 47,066 | 87,533 | 55,795 | 43,903 | 46,636 | 27,481 | 31,850 | |
21/28 |
2,895 | 1,596 | 2,748 | 1,596 | 1,596 | 2,109 | 4,344 | 3,759 | 3,207 | 3,592 | 4,208 | 3,826 | 3,621 | 3,659 | 3,430 | 4,134 | 4,454 | 3,600 | 3,600 | 3,600 | |
22/27 |
1,299 | - | 1,152 | - | - | 513 | 1,137 | 552 | - | 385 | 1,001 | 619 | 414 | 452 | 523 | 534 | 854 | - | - | - | |
24 |
1,299 | - | 1,152 | - | - | 513 | 1,137 | 552 | - | 385 | 1,001 | 619 | 414 | 452 | 523 | 534 | 854 | - | - | - | |
28 |
1,596 | 1,596 | 1,596 | 1,596 | 1,596 | 1,596 | 3,207 | 3,207 | 3,207 | 3,207 | 3,207 | 3,207 | 3,207 | 3,207 | 2,907 | 3,600 | 3,600 | 3,600 | 3,600 | 3,600 | |
29/58 |
34,917 | 42,085 | 60,429 | 70,351 | 72,690 | 60,935 | 57,350 | 61,530 | 42,101 | 66,736 | 61,663 | 85,404 | 58,863 | 43,408 | 84,103 | 51,661 | 39,449 | 43,036 | 23,881 | 28,250 | |
40/41 |
32,256 | 33,254 | 52,297 | 70,225 | 70,860 | 60,340 | 56,110 | 56,866 | 39,730 | 60,544 | 52,565 | 55,956 | 58,863 | 30,876 | 65,071 | 33,572 | 21,900 | 23,573 | 9,733 | 19,353 | |
40 |
25,989 | 29,173 | 1,394 | 13,008 | 2,678 | 6,680 | 11,620 | 27,613 | 13,928 | 16,992 | 17,166 | 26,095 | 39,205 | 8,242 | 46,008 | 22,437 | 9,991 | 15,226 | 9,733 | 15,613 | |
41 |
6,267 | 4,081 | 50,904 | 57,218 | 68,182 | 53,660 | 44,490 | 29,253 | 25,802 | 43,553 | 35,399 | 29,861 | 19,659 | 22,634 | 19,063 | 11,136 | 11,909 | 8,347 | - | 3,739 | |
54/58 |
2,425 | 8,705 | 7,944 | - | 1,704 | - | - | 4,664 | 2,371 | 6,192 | 9,098 | 28,075 | - | 10,109 | 19,033 | 17,697 | 16,923 | 19,463 | 14,148 | 7,308 | |
490/1 |
235 | 126 | 188 | 126 | 125 | 595 | 1,241 | - | - | - | - | 1,373 | - | 2,422 | - | 392 | 626 | - | - | 1,589 | |
| Balance sheet: equity and liabilities | |||||||||||||||||||||
10/49 |
37,812 | 43,681 | 63,177 | 71,947 | 74,286 | 63,045 | 61,694 | 65,289 | 45,308 | 70,329 | 65,870 | 89,230 | 62,484 | 47,066 | 87,533 | 55,795 | 43,903 | 46,636 | 27,481 | 31,850 | |
10/15 |
21,235 | 31,307 | 39,279 | 38,407 | 35,550 | 27,117 | 28,516 | 33,463 | 22,666 | 20,761 | 52,544 | 49,538 | 26,460 | 23,673 | 18,897 | 24,802 | 15,059 | 14,863 | -2,666 | -8,316 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
4,090 | 4,090 | 4,090 | 3,220 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130/1 |
- | - | - | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
1311 |
- | - | - | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
133 |
4,090 | 4,090 | 4,090 | 1,360 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
14 |
10,945 | 21,017 | 28,989 | 28,987 | 27,490 | 19,057 | 20,456 | 25,403 | 14,606 | 12,701 | 44,484 | 41,478 | 18,400 | 15,613 | 10,837 | 16,742 | 6,999 | 6,803 | -8,866 | -14,516 | |
17/49 |
16,577 | 12,374 | 23,898 | 33,540 | 38,735 | 35,928 | 33,179 | 31,826 | 22,642 | 49,568 | 13,326 | 39,692 | 36,024 | 23,394 | 68,636 | 30,993 | 28,844 | 31,773 | 30,147 | 40,165 | |
42/48 |
16,577 | 12,374 | 23,898 | 33,540 | 38,735 | 35,928 | 33,179 | 31,826 | 22,642 | 49,568 | 13,326 | 39,692 | 36,024 | 23,394 | 67,455 | 30,993 | 28,844 | 31,233 | 30,147 | 40,165 | |
42 |
- | - | - | 15,350 | 15,350 | 15,350 | 15,350 | 15,350 | 15,350 | 15,350 | 5,635 | 6,323 | 20,247 | 19,450 | 42,050 | 11,100 | 14,640 | 17,756 | 17,756 | 24,098 | |
43 |
- | - | - | 3,835 | - | 8,172 | 4,264 | - | - | - | - | - | 7,262 | - | - | - | - | - | - | - | |
430/8 |
- | - | - | 3,835 | - | 8,172 | 4,264 | - | - | - | - | - | 7,262 | - | - | - | - | - | - | - | |
44 |
14,932 | 6,138 | 21,464 | 8,405 | 5,191 | 9,377 | 8,893 | 8,926 | 3,595 | - | 1,455 | 1,092 | 4,150 | 990 | 4,243 | 9,333 | 2,720 | 2,099 | 2,698 | 388 | |
440/4 |
14,932 | 6,138 | 21,464 | 8,405 | 5,191 | 9,377 | 8,893 | 8,926 | 3,595 | - | 1,455 | 1,092 | 4,150 | 990 | 4,243 | 9,333 | 2,720 | 2,099 | 2,698 | 388 | |
45 |
1,645 | 6,236 | 2,434 | 5,951 | 10,194 | 3,029 | 4,671 | 7,550 | 3,698 | 3,218 | 2,236 | 17,477 | 4,366 | 2,953 | 21,162 | 10,560 | 11,484 | 11,378 | 6,536 | 15,375 | |
450/3 |
1,645 | 6,236 | 2,434 | 5,951 | 10,194 | 3,029 | 4,671 | 7,550 | 3,698 | 3,218 | 2,236 | 17,477 | 4,366 | 2,953 | 8,162 | 10,560 | 11,484 | 11,378 | 6,536 | 1,269 | |
454/9 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 13,000 | - | - | - | - | 14,105 | |
47/48 |
- | - | - | - | 8,000 | - | - | - | - | 31,000 | 4,000 | 14,800 | - | - | - | - | - | - | 3,157 | 305 | |
492/3 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,181 | - | - | 540 | - | - | |
| Income statement | |||||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 153,878 | 153,317 | 153,514 | 168,662 | - | - | |
76A |
- | - | - | - | - | - | - | 8,475 | - | - | - | - | - | - | - | - | - | - | - | - | |
9900 |
-7,851 | -6,014 | 2,704 | 3,816 | 25,791 | -1,965 | -5,579 | 23,761 | 3,574 | -178 | 12,136 | 51,123 | 8,223 | 8,451 | 7,145 | 19,091 | 6,269 | 28,790 | 14,100 | -4,134 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 151,319 | 138,327 | 151,973 | 143,021 | - | - | |
630 |
584 | - | 23 | - | 513 | 624 | 624 | 110 | 385 | 615 | 775 | 484 | 516 | 356 | 795 | 320 | 427 | - | - | 4,475 | |
640/8 |
333 | 1,205 | - | 286 | 1,086 | 561 | 432 | 524 | 591 | 584 | 670 | 598 | 535 | 496 | 706 | 1,372 | 1,237 | 1,140 | 743 | 779 | |
66A |
- | - | - | - | - | - | - | 8,475 | - | - | - | - | - | - | - | - | - | - | - | - | |
9901 |
-8,769 | -7,219 | 2,682 | 3,529 | 24,191 | -3,149 | -6,635 | 14,652 | 2,597 | -1,377 | 10,691 | 50,041 | 7,172 | 7,599 | 5,643 | 17,398 | 4,604 | 27,649 | 13,357 | -9,389 | |
75/76B |
463 | 1,554 | 2,839 | 4,322 | 3,823 | 4,624 | 3,348 | 2,357 | 2,844 | 3,535 | 7 | 15 | 9 | 1,835 | 1,101 | 975 | 109 | 89 | 559 | 43 | |
75 |
463 | 1,554 | 2,839 | 4,322 | 3,823 | 4,624 | 3,348 | 2,357 | 2,844 | 3,535 | 7 | 15 | 9 | 1,835 | 1,101 | 975 | 109 | 89 | 559 | 43 | |
65/66B |
1,506 | 2,038 | 2,546 | 2,157 | 5,301 | 1,912 | 1,461 | 1,740 | 1,295 | 1,311 | 1,454 | 1,477 | 2,303 | 1,681 | 1,676 | 2,777 | 2,276 | 957 | 564 | 1,519 | |
65 |
1,506 | 2,038 | 2,546 | 2,157 | 2,578 | 1,912 | 1,461 | 1,740 | 1,295 | 1,311 | 1,454 | 1,477 | 2,303 | 1,681 | 1,676 | 2,777 | 2,276 | 957 | 564 | 1,519 | |
66B |
- | - | - | - | 2,723 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
9903 |
-9,812 | -7,703 | 2,975 | 5,695 | 22,714 | -437 | -4,748 | 15,270 | 4,147 | 847 | 9,244 | 48,578 | 4,878 | 7,753 | 5,068 | 15,597 | 2,438 | 26,782 | 13,352 | -10,865 | |
67/77 |
260 | 269 | 2,102 | 2,838 | 6,280 | 962 | 199 | 4,472 | 2,242 | 1,630 | 2,238 | 10,700 | 2,091 | 2,977 | 2,972 | 5,854 | 2,241 | 9,253 | 7,703 | - | |
9904 |
-10,072 | -7,973 | 872 | 2,857 | 16,434 | -1,399 | -4,947 | 10,797 | 1,905 | -784 | 7,006 | 37,878 | 2,787 | 4,775 | 2,096 | 9,743 | 197 | 17,529 | 5,650 | -10,865 | |
9905 |
-10,072 | -7,973 | 872 | 2,857 | 16,434 | -1,399 | -4,947 | 10,797 | 1,905 | -784 | 7,006 | 37,878 | 2,787 | 4,775 | 2,096 | 9,743 | 197 | 17,529 | 5,650 | -10,865 | |
| Appropriation of the result | |||||||||||||||||||||
9906 |
10,945 | 21,017 | 29,859 | 30,347 | 35,490 | 19,057 | 20,456 | 25,403 | 14,606 | 43,701 | 48,484 | 56,278 | 18,400 | 15,613 | 18,837 | 16,742 | 6,999 | 8,663 | -8,866 | -14,516 | |
14P |
21,017 | 28,989 | 28,987 | 27,490 | 19,057 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
- | - | 870 | 1,360 | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,860 | - | - | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,860 | - | - | |
6921 |
- | - | 870 | 1,360 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
694/7 |
- | - | - | - | 8,000 | - | - | - | - | 31,000 | 4,000 | 14,800 | - | - | 8,000 | - | - | - | - | - | |
694 |
- | - | - | - | 8,000 | - | - | - | - | 31,000 | - | 800 | - | - | 8,000 | - | - | - | - | - | |
695 |
- | - | - | - | - | - | - | - | - | - | 4,000 | 14,000 | - | - | - | - | - | - | - | - | |
| Document | |||||||||||||||||||||
The accounts for 5 older financial years (2001-2005) were filed as documents without figures as data, scans for example.
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 03-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 03-07-2026 | 2026-00263839 | |
| 31-12-2024 | micro format | 16-07-2025 | 2025-00298382 | |
| 31-12-2023 | micro format | 18-06-2024 | 2024-00144961 | |
| 31-12-2022 | micro format | 31-07-2023 | 2023-00319120 | |
| 31-12-2021 | micro format | 20-08-2022 | 2022-20308835 | |
| 31-12-2020 | micro format | 11-08-2021 | 2021-48300474 | |
| 31-12-2019 | micro format | 29-06-2020 | 2020-21500296 | |
| 31-12-2018 | micro format | 08-07-2019 | 2019-29400561 | |
| 31-12-2017 | micro format | 27-06-2018 | 2018-23000097 | |
| 31-12-2016 | micro format | 30-06-2017 | 2017-23800109 | |
| 31-12-2015 | full format | 30-06-2016 | 2016-24100178 | |
| 31-12-2014 | full format | 15-07-2015 | 2015-30700453 | |
| 31-12-2013 | full format | 25-06-2014 | 2014-23000214 | |
| 31-12-2012 | full format | 31-07-2013 | 2013-37600085 | |
| 31-12-2011 | full format | 05-06-2012 | 2012-15300166 | |
| 31-12-2010 | full format | 20-06-2011 | 2011-18800290 | |
| 31-12-2009 | full format | 09-07-2010 | 2010-28600368 | |
| 31-12-2008 | full format | 10-07-2009 | 2009-40400248 | |
| 31-12-2007 | full format | 25-07-2008 | 2008-45700008 | |
| 31-12-2006 | full format | 29-06-2007 | 2007-34700350 | |
| 31-12-2005 | full format | 13-06-2006 | 2006-23601123 | |
| 31-12-2004 | full format | 21-06-2005 | 2005-29504351 | |
| 31-12-2003 | full format | 10-05-2004 | 2004-14001901 | |
| 31-12-2002 | full format | 13-06-2003 | 2003-23400638 | |
| 31-12-2001 | full format | 01-07-2002 | 2002-31101255 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,883 | - | 1,175 | - | 0 | 1,268 | 1,209 | 662 | 0 | 0 | 1,156 | 689 | 479 | 585 | 784 | 0 | 1,281 | - | - | - | ||
| -6,280 | 761 | - | - | - | - | - | 2,294 | -3,821 | -2,906 | -18,977 | - | - | -8,923 | 1,336 | 774 | -2,541 | 5,316 | 6,840 | - | ||
| - | - | - | - | - | - | - | - | - | - | - | - | - | - | 3.7% | 11.3% | 3.0% | 16.4% | - | - | ||
| 56.2% | 71.7% | 62.2% | 53.4% | 47.9% | 43.0% | 46.2% | 51.3% | 50.0% | 29.5% | 79.8% | 55.5% | 42.3% | 50.3% | 21.6% | 44.5% | 34.3% | 31.9% | -9.7% | -26.1% | ||
| -47.4% | -25.5% | 2.2% | 7.4% | 46.2% | -5.2% | -17.3% | 32.3% | 8.4% | -3.8% | 13.3% | 76.5% | 10.5% | 20.2% | 11.1% | 39.3% | 1.3% | 117.9% | - | - | ||
| -26.6% | -18.3% | 1.4% | 4.0% | 22.1% | -2.2% | -8.0% | 16.5% | 4.2% | -1.1% | 10.6% | 42.4% | 4.5% | 10.1% | 2.4% | 17.5% | 0.4% | 37.6% | 20.6% | -34.1% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €1,883 | - | €1,175 | - | - |
| €584 | - | €23 | - | €513 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a loss of €8,769, larger than the loss of €7,219 in 2024. It is the lowest result since 2006.
Debt's share of the balance-sheet total rises from 28.3% to 43.8%. Equity is lower and debt is higher.
INTEGRA has no parent and no holdings in its annual accounts. Marcus VAN MUYLDER is the only director. INTEGRA shares no director with another company.
| VOLKSWAGEN INTERNATIONAL BELGIUM
registered office since 02-06-1986 · founded in 1991 · group VOLKSWAGEN AKTIENGESELLSCHAFT |
total assets €11.14bn (2025) 0443.615.642 |
| VINCI FINANCE INTERNATIONAL
registered office since 16-12-2008 · founded in 2008 · group VINCI |
total assets €10.88bn (2025) 0808.448.181 |
| EDF INVESTISSEMENTS GROUPE
registered office since 18-12-2007 · founded in 2007 · group ELECTRICITE DE FRANCE |
total assets €7.59bn (2025) 0894.284.867 |
| VOLKSWAGEN FINANCE BELGIUM
registered office since 23-12-2003 · founded in 2003 · group VOLKSWAGEN AKTIENGESELLSCHAFT |
total assets €1.32bn (2025) 0862.385.824 |
| LEON INVESTMENTS
registered office since 19-09-1997 · founded in 1997 |
total assets €201.5m (2025) 0461.004.673 |
| Alyzia Belgium
registered office since 29-06-2020 · founded in 2020 |
780 FTE (2025) 0749.517.020 |
| CORAL INVESTMENTS
registered office since 19-09-1997 · founded in 1997 |
total assets €75.1m (2025) 0461.004.574 |
| TOVA INVESTMENT
registered office since 15-02-2008 · founded in 2008 |
total assets €60.3m (2025) 0895.739.174 |
| SimCorp Benelux SA/NV
establishment since 20-01-2000 · founded in 2000 · group Deutsche Börse Aktiengesellschaft |
35 FTE (2025) 0469.597.883 |
| YSG GROUP HOLDINGS
establishment since 15-11-2022 · founded in 2022 |
total assets €28.6m (2025) 0793.586.791 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
INTEGRA was incorporated on 5 July 2000.1 The registered office was moved to Brussels in 2021.2 Marcus VAN MUYLDER is director of the company according to the deed of 01-12-2023.3 Total assets fell from €65,289 in 2018 to €37,812 in 2025.4
“Toutes activités relatives aux expertises,enquêtes et audits de compagnies d’assurances ainsi que les récupérations pour le compte des assurances et plus généralement la gestion des sinistres.”
| Louizalaan 143 registered office 1050 Brussels |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21807G0089/00A007 | 1,907 m² | 1 · 1,788 m² | 32.0 m · 2 |
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