INTEMSE
ActiveINTEMSE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €487k and a net result of €13k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 77% of 11206 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -17 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability14▼-86
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.94 against 5.06 in 2024), and 24.2% of the assets are financed with debt.
Credit advice for your own amount and term
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
75.8%
Return on assets
2.1%
Age of the figures
12 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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 06-03-2026, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
55 d early
2024
41 d early
2023
35 d early
2022
24 d early
2021
3 d late
2020
2 d early
2019
1 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€487k▼ 8.3%
2024 · €531k
2018: €401k
2019: €424k
2020: €471k
2021: €369k
2022: €408k
2023: €462k
2024: €531k
2018 → 2025
Total assets
€642k▼ 13.5%
2024 · €742k
2018: €752k
2019: €717k
2020: €774k
2021: €734k
2022: €657k
2023: €687k
2024: €742k
2018 → 2025
Net result
€13k▼ 88.3%
2024 · €114k
2018: €89k
2019: €22k
2020: €47k
2021: €-429
2022: €39k
2023: €54k
2024: €114k
2018 → 2025
Working capital
€291k▼ 15.7%
2024 · €345k
2018: €232k
2019: €252k
2020: €299k
2021: €192k
2022: €228k
2023: €278k
2024: €345k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€369k-€408k▲ 10.5%€462k▲ 13.3%€531k▲ 14.9%€487k▼ 8.3%
Operating result€14k-€76k▲ 429%€83k▲ 9.8%€172k▲ 106%€29k▼ 83.0%
Net result€-429-€39k€54k▲ 39.8%€114k▲ 111%€13k▼ 88.3%
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 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €642k
Fixed assets
€292k▼ 6.2%
Current assets
€350k▼ 18.7%
Equity and liabilities €642k
Equity
€487k▼ 8.3%
Debt
€155k▼ 26.4%
The debt ratio falls from 28.4% to 24.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€60k▼
2024 · €201k
Cash flow
€44k▼
2024 · €144k
Solvency
75.8%▲
2024 · 71.6%
Current ratio
5.94▲
2024 · 5.06
Quick ratio
5.94▲
2024 · 5.06
Debt / equity
0.32▼
2024 · 0.40
ROE
2.8%▼
2024 · 21.5%
ROA
2.1%▼
2024 · 15.4%
Interest coverage
12.94▼
2024 · 36.04
Debt
€155k▼
2024 · €211k
Debt ≤ 1 year
€59k▼
2024 · €85k
Debt > 1 year
€96k▼
2024 · €126k
Income taxes
€12k▼
2024 · €52k
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€742k€642k▼
Fixed assets21/28€312k€292k▼
Tangible fixed assets22/27€311k€292k▼
Land and buildings22€293k€272k▼
Plant, machinery and equipment23€8k€5k▼
Furniture and vehicles24€5k€12k▲
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€210€210=
Current assets29/58€430k€350k▼
Amounts receivable within one year40/41€126k€79k▼
Trade receivables40€126k€70k▼
Other amounts receivable41-€9k
Current investments50/53-€209k
Cash at bank and in hand54/58€304k€62k▼
Deferred charges and accrued income490/1€222€197▼
Equity and liabilities
Total equity and liabilities10/49€742k€642k▼
Equity10/15€531k€487k▼
Contributions10/11€19k€19k=
Reserves13€512k€468k▼
Distributable reserves133€512k€468k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€211k€155k▼
Amounts payable after more than one year17€126k€96k▼
Financial debts170/4€126k€96k▼
Amounts payable within one year42/48€85k€59k▼
Current portion of amounts payable after more than one year42€29k€30k▲
Financial debts43€8k€8k=
Credit institutions430/8€8k€8k=
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€38k€14k▼
Taxes450/3€35k€11k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€4k€2k▼
Accrued charges and deferred income492/3-€222
Income statement
Code20242025
Non-recurring operating income76A€28k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€31k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€205k€65k▼
Operating profit (loss)9901€172k€29k▼
Financial income75/76B€68€520▲
Recurring financial income75€68€520▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€166k€25k▼
Income taxes67/77€52k€12k▼
Profit (loss) for the period9904€114k€13k▼
Profit (loss) for the period to be appropriated9905€114k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€13k▼
Transfer from equity791/2€46k€58k▲
Transfer to equity691/2€114k€13k▼
To other reserves6921€114k€13k▼
Profit to be distributed694/7€46k€58k▲
Return on contributions (dividend)694€46k€58k▲
The notes to these accounts (10 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
06-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €114k ▲111%
Operating result €172k, net result €114k, both a record.
30-09
Financial
Equity above €500kEq €531k ▲14.9%
3 profitable years in a row build equity to €531k.
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
30-09
Financial
Weakest financial yearnet €-429 ▼101%
Net result drops to €-429, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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, Sint-Niklaas · 1 establishment unit since 2007
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.
Mgr. Stillemansstraat 289100 Sint-NiklaasGround area
194 m²
Building footprint
151 m²
Volume, LiDAR
1,112 m³
Parcel 46443E1698/00R002, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Intemse
since 20072.159.121.812
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46443E1698/00R002 | Flanders | 194 m² | 1 · 151 m² | 12.3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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DISPLAY ACCESSOIRES CONCEPT
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Of 1,734 companies in sector 46150 we hold annual accounts for 750. 449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2006
Fiscal year end30-09
Activities, NACEBEL
46150Agents in the wholesale of furniture, household goods and hardware
51150
46130Agents in the wholesale of timber and building materials
46190Agents in non-specialised wholesale trade
71112Activities of interior architects
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0486 32 10 16