INTEGRAL
ActiveSummary
INTEGRAL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1.26M) and a net result of €-1.39M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
28
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-29
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.46 against 0.8 in 2024; short-term debt: 141.3% and cash: 3.6% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
-54.1%
Return on assets
-59.3%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1920212222232425
2019 to 2025 · latest year €-1.26M
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
7 d early
2023
12 d early
2022
6 d early
2022
88 d early
2021
26 d early
2020
2 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Name match with a sanctions list
1 entryINTEGRAL« Rt. – az »INTEGRAL« holdingkezelő vállalaalias Акционерно дружество „INTEGRAL“ — управително дружество на холдинга „INTEGRAL
A name match is not a finding that this company itself is on the list; check the entry at the source.
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-1.39M▼ 0.5%
2024 · €-1.38M
2019: €-72k
2020: €250k
2021: €88k
2022: €351k
2022: €-2.19M
2023: €-1.34M
2024: €-1.38M
2019 → 2025
Working capital
€-1.79M▼ 199%
2024 · €-600k
2019: €422k
2020: €1.01M
2021: €462k
2022: €775k
2022: €-1.33M
2023: €-694k
2024: €-600k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222022202320242025Trend
Equity€1.37M-€-813k€152k€122k▼ 19.5%€-1.26M
Operating result€488k-€-2.14M€-1.31M▲ 38.7%€-1.35M▼ 3.2%€-1.36M▼ 0.4%
Net result€351k-€-2.19M€-1.34M▲ 38.9%€-1.38M▼ 3.3%€-1.39M▼ 0.5%
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.34M
Fixed assets
€829k ▼ 14.5%
Current assets
€1.51M ▼ 36.5%
Key figures and ratios
EBITDA
€-1.15M▼
2024 · €-1.11M
Cash flow
€-1.18M▼
2024 · €-1.14M
Solvency
-54.1%▼
2024 · 3.6%
Current ratio
0.46▼
2024 · 0.80
Quick ratio
0.28▼
2024 · 0.52
Debt to equity
-2.85▼
2024 · 26.42
ROA
-59.3%▼
2024 · -41.2%
Interest coverage
-31.98▼
2024 · -23.07
Debt
€3.60M▲
2024 · €3.23M
Debt ≤ 1 year
€3.30M▲
2024 · €2.98M
Debt > 1 year
€272k▲
2024 · €152k
Income taxes
€2k▼
2024 · €3k
Staff costs
€2.53M▼
2024 · €2.67M
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 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.35M€2.34M▼
Fixed assets21/28€969k€829k▼
Tangible fixed assets22/27€969k€829k▼
Land and buildings22€19k€15k▼
Plant, machinery and equipment23€495k€654k▲
Furniture and vehicles24€11k€6k▼
Leasing and similar rights25€390k€127k▼
Other tangible fixed assets26€54k€27k▼
Current assets29/58€2.38M€1.51M▼
Stocks and contracts in progress3€818k€592k▼
Stocks30/36€454k€231k▼
Contracts in progress37€364k€361k▼
Amounts receivable within one year40/41€1.03M€833k▼
Trade receivables40€800k€644k▼
Other amounts receivable41€235k€190k▼
Cash at bank and in hand54/58€527k€85k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€3.35M€2.34M▼
Equity10/15€122k€-1.26M▼
Contributions10/11€1.08M€1.08M=
Capital10€1.08M€1.08M=
Issued capital100€1.08M€1.08M=
Reserves13€420k€420k=
Non-distributable reserves130/1€45k€45k=
Legal reserve130€45k€45k=
Distributable reserves133€376k€376k=
Profit (loss) carried forward14€-1.38M€-2.77M▼
Amounts payable17/49€3.23M€3.60M▲
Amounts payable after more than one year17€152k€272k▲
Financial debts170/4€152k€272k▲
Amounts payable within one year42/48€2.98M€3.30M▲
Current portion of amounts payable after more than one year42€161k€72k▼
Financial debts43€204k€352k▲
Credit institutions430/8€204k€352k▲
Trade debts44€1.11M€1.38M▲
Suppliers440/4€1.11M€1.38M▲
Advances received on contracts in progress46€1.18M€1.22M▲
Taxes, remuneration and social security45€324k€278k▼
Taxes450/3€52k€48k▼
Remuneration and social security454/9€272k€230k▼
Other amounts payable47/48€409€0▼
Accrued charges and deferred income492/3€94k€28k▼
Income statement
Code20242025
Non-recurring operating income76A€44k€9k▼
Remuneration, social security and pensions62€2.67M€2.53M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€238k€210k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-293k€-359k▼
Other operating charges640/8€261k€463k▲
Non-recurring operating charges66A€8k€49k▲
Gross operating margin9900€1.54M€1.54M▲
Operating profit (loss)9901€-1.35M€-1.36M▼
Financial income75/76B€23k€7k▼
Recurring financial income75€23k€7k▼
Financial charges65/66B€48k€36k▼
Recurring financial charges65€48k€36k▼
Profit (loss) for the period before taxes9903€-1.38M€-1.38M▼
Income taxes67/77€3k€2k▼
Profit (loss) for the period9904€-1.38M€-1.39M▼
Profit (loss) for the period to be appropriated9905€-1.38M€-1.39M▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4.29M€-2.77M▲
Profit (loss) brought forward from the previous period14P€-2.91M€-1.38M▲
Transfer from equity791/2€2.91M€0▼
Social balance
Average headcount (FTE)908736.834.9▼
The notes to these accounts (21 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €152k
Equity rises from €-813k to €152k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-2.19M
Net result drops to €-2.19M, the lowest in the series; recovery starts the following year.
04-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2019net €351k ▲299%
Operating result €488k, net result €351k, both a record.
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Equity above €1MEq €1.02M ▲9.4%
2 profitable years in a row build equity to €1.02M.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €250k
Net result €250k after one loss-making year.
Show earlier events
2019
27-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
07-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 14 acts read
About the unread acts
We know of 14 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
14 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, Eeklo · 1 establishment unit since 1989
Ground area
1.0 ha
Building footprint
2,673 m²
Volume, LiDAR
11,621 m³
Parcel 43005A0749/00R003, Flanders · tallest building 6.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
INTEGRAL
since 19892.041.610.864
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0749/00R003 | Flanders | 1.0 ha | 1 · 2,673 m² | 6.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 8 entries · 10,849 EUR awarded · 11,288 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 4,510 EUR | 4,510 EUR |
| 2024 | 2 | 1,752 EUR | 1,832 EUR |
| 2023 | 2 | 2,153 EUR | 3,174 EUR |
| 2022 | 2 | 2,434 EUR | 1,772 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies voor internationaal ondernemen
Stagebonus (stopgezet)
Premie kwalificerend werkplekleren
Recognitions · licences · registrations
Dual-learning approval
2 live approvals · 10 endedMachinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Show 10 ended approvals
Interieurbouwer (so)
Interieurbouwer (so)
Machinaal houtbewerker (so)
Machinaal houtbewerker (so)
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Productiemedewerker interieurbouw (so)
Productiemedewerker interieurbouw (so)
Interieurbouwer duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
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Of 20,018 companies in sector 43320 we hold annual accounts for 9,132. 7,702 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-12-1988
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
47551Retail sale of household furniture
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.