INTER
INTER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.61M and a net result of €5k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 57% of 7837 sector peers (fiscal year 2025). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €3.61M |
| Net result | €5k |
| Staff (FTE) | 1 |
| Better than sector | 57% |
Mixed profile: strong on stability, weaker on profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 59.7% | 51.3% | |
| Net result | €5k | €33k | |
| Equity | €3.61M | €132k | |
| Gross operating margin | €172k | €63k | |
| Staff costs | €40k | €12k |
Figures by fiscal year and ratios
| Fiscal year | 2025 Δ | 2024 Δ | 2023 Δ | 2022 Δ | 2021 Δ |
|---|---|---|---|---|---|
| Deposit | micro schema | unclassified schema | unclassified schema | unclassified schema | unclassified schema |
| Revenue | n/a | n/a | n/a | n/a | n/a |
| EBITDA | n/a | n/a | n/a | n/a | n/a |
| Net profit | -76.4% | - | +46.5% | - | - |
| Cash flow | n/a | n/a | n/a | n/a | n/a |
| Staff costs | -6.8% | +16.0% | +80.1% | +15.9% | - |
| Income taxes | +506.9% | +45.7% | +25.0% | -91.6% | - |
| Dividends | - | - | - | - | - |
| Total assets | +2.2% | +3.6% | +1.8% | +46.5% | - |
| Equity | +0.1% | +0.6% | -5.0% | +93.6% | - |
| Debt | +5.3% | +8.7% | +15.6% | -2.2% | - |
| of which ≤ 1y | +10.6% | +17.3% | +30.7% | +0.8% | - |
| of which > 1y | -18.3% | -18.3% | -15.2% | -7.8% | - |
| Working capital | n/a | n/a | n/a | n/a | n/a |
| Employees (FTE) | 0.0% | 0.0% | +66.7% | -40.0% | - |
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | n/a | n/a | n/a | n/a | n/a |
| Quick ratio | n/a | n/a | n/a | n/a | n/a |
| Working capital ratio | n/a | n/a | n/a | n/a | n/a |
| Solvency | 59.7% | 60.9% | 62.8% | 67.2% | 50.9% |
| Debt / equity | n/a | n/a | n/a | n/a | n/a |
| Long-term debt ratio | n/a | n/a | n/a | n/a | n/a |
| Interest coverage | n/a | n/a | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a | n/a | n/a |
| Net margin | n/a | n/a | n/a | n/a | n/a |
| ROA | 0.1% | 0.4% | -3.3% | -6.3% | 0.3% |
| ROE | 0.1% | 0.6% | -5.3% | -9.3% | 0.6% |
| EBITDA margin | n/a | n/a | n/a | n/a | n/a |
| Days sales outstanding | n/a | n/a | n/a | n/a | n/a |
| Days payable outstanding | n/a | n/a | n/a | n/a | n/a |
| Inventory turnover | n/a | n/a | n/a | n/a | n/a |
| Days inventory (DSI) | n/a | n/a | n/a | n/a | n/a |
Full annual accounts (25 line items)
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €6.04M | €5.91M | €5.70M | €5.60M | €3.82M |
| Fixed assets | 21/28 | €4.19M | €4.26M | €4.26M | €4.20M | €1.78M |
| Tangible fixed assets | 22/27 | €1.86M | €1.92M | €1.92M | €1.86M | €1.65M |
| Financial fixed assets | 28 | €2.34M | €2.34M | €2.34M | €2.34M | €126k |
| Current assets | 29/58 | €1.84M | €1.65M | €1.44M | €1.40M | €2.05M |
| Stocks & contracts in progress | 3 | €5k | €3k | - | - | - |
| Amounts receivable within one year | 40/41 | €704k | €503k | €330k | €290k | €604k |
| Cash & bank | 54/58 | €9k | €19k | €9k | €12k | €7k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €6.04M | €5.91M | €5.70M | €5.60M | €3.82M |
| Equity | 10/15 | €3.61M | €3.60M | €3.58M | €3.77M | €1.95M |
| Contributions / capital | 10/11 | €17k | €17k | €17k | €17k | €17k |
| Reserves | 13 | €2k | €2k | €2k | €2k | €2k |
| Accumulated profits (losses) | 14 | €1.41M | €1.41M | €1.39M | €1.57M | €1.93M |
| Amounts payable | 17/49 | €2.43M | €2.31M | €2.12M | €1.84M | €1.88M |
| Amounts payable after one year | 17 | €343k | €420k | €514k | €606k | €657k |
| Amounts payable within one year | 42/48 | €2.09M | €1.89M | €1.61M | €1.23M | €1.22M |
| Trade debts payable within one year | 44 | €31k | €73k | €45k | €29k | €24k |
| Income statement | ||||||
| Gross operating margin | 9900 | €172k | €173k | €142k | €-221k | €123k |
| Operating result | 9901 | €25k | €36k | €-172k | €-324k | €49k |
| Financial income | 75 | - | - | - | €0 | €0 |
| Financial charges | 65 | €11k | €13k | €15k | €27k | €27k |
| Result before taxes | 9903 | €14k | €23k | €-187k | €-351k | €22k |
| Income taxes | 67/77 | €9k | €1k | €1k | €822 | €10k |
| Net result for the period | 9904 | €5k | €21k | €-188k | €-352k | €12k |
| Result to be appropriated | 9905 | €5k | €21k | €-188k | €-352k | €12k |
| NACE primary | Activities of holding companies(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 25-05-1988 |
| Status | Active |
| Postal code | 4760 |
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
31-05-2023 Registered office moved to Büllingen
- 4760 Büllingen, Hasenvenn
Technical details
{
"events": [
{
"kind": "zetel_transfer_cross_border_in",
"seat_type": "siege_administratif",
"new_address": {
"raw": "4760 B\u00FCllingen, Hasenvenn",
"city": "B\u00FCllingen",
"region": "waals_gewest",
"street": null,
"country": "BE",
"postcode": "4760",
"box_number": null,
"street_number": null,
"locality_suffix": null
},
"old_address": null,
"effective_date": "2023-04-05",
"evidence_quote": "L\u0027assembl\u00E9e a ensuite d\u00E9cid\u00E9 de convertir le compte de capital et la r\u00E9serve l\u00E9gale en comptes de capitaux propres et disponibles pour distribution.",
"region_changed": false,
"is_statute_change": true,
"nationality_change": true,
"old_address_source": "inferred",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "absolute",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": "Florence GODIN",
"firm_city": null,
"firm_name": "Etude Notariale CRESPIN \u0026 GODIN",
"office_city": "Malmedy",
"is_associated": true
},
"act_meta": {
"language": "mixed",
"pub_date": "2023-05-31",
"filing_date": "2023-05-04",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decision": {
"body": "buitengewone_algemene_vergadering",
"date": "2023-04-05",
"unanimous": true
},
"subject_company": {
"kbo": "0434.396.583",
"name_full": "INTER",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Florence GODIN",
"org_rep_person_name": null,
"person_role_at_subject": "Notaire \u00E0 Malmedy"
},
"co_filed_documents": [
"exp\u00E9dition de l\u0027acte",
"les statuts coordonn\u00E9s"
]
}| Legal nameFR | INTER |