INTER ACTIONS
ActiveFinancials · financial year 2025, micro format
Annual accounts 2025 filed on 29-07-2026 at the NBB all 28 filings
Equity
€69,786▼ 8.2%
2024 · €76,046
Total assets
€73,302▼ 8.4%
2024 · €80,040
Net result
-€6,260▲ 64.7%
2024 · -€17,709
Working capital
€69,786▼ 8.2%
2024 · €76,046
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
-€6,510
▲ 57.4%
2025
20182025
Net result
-€6,260
▲ 64.7%
2025
lowest quarter of the sector
20182025
Equity
€69,786
▼ 8.2%
2025
middle half of the sector
20182025
Total assets
€73,302
▼ 8.4%
2025
middle half of the sector
20182025
Debt
€3,516
▼ 12.0%
2025
20182025
Working capital
€69,786
▼ 8.2%
2025
middle half of the sector
20182025
Solvency
95.2%
▲ 0.2pp
2025
highest quarter of the sector
20182025
Current ratio
20.85
▲ 0.81
2025
highest quarter of the sector
20182025
Return on assets (ROA)
-8.5%
▲ 13.6pp
2025
lowest quarter of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result-€799-€322€335▲ 4.3%-€554-€100▲ 81.9%-€8,556▼ 8,442%-€15,283▼ 78.6%-€6,510▲ 57.4%
Net result-€835-€260€246within the sector's middle half▼ 5.6%-€600below the sector's middle half-€233within the sector's middle half▲ 61.1%-€8,509below the sector's middle half▼ 3,550%-€17,709below the sector's middle half▼ 108%-€6,260below the sector's middle half▲ 64.7%
Equity€102,591-€102,851▲ 0.3%€103,097within the sector's middle half▲ 0.2%€102,497within the sector's middle half▼ 0.6%€102,264within the sector's middle half▼ 0.2%€93,754within the sector's middle half▼ 8.3%€76,046within the sector's middle half▼ 18.9%€69,786within the sector's middle half▼ 8.2%
Total assets€120,827-€114,807▼ 5.0%€107,100below the sector's middle half▼ 6.7%€109,470below the sector's middle half▲ 2.2%€104,849below the sector's middle half▼ 4.2%€98,975below the sector's middle half▼ 5.6%€80,040within the sector's middle half▼ 19.1%€73,302within the sector's middle half▼ 8.4%
Debt€18,236-€11,956▼ 34.4%€4,004▼ 66.5%€6,973▲ 74.2%€2,586▼ 62.9%€5,220▲ 102%€3,995▼ 23.5%€3,516▼ 12.0%
Working capital€101,855-€99,021▼ 2.8%€102,298within the sector's middle half▲ 3.3%€100,497within the sector's middle half▼ 1.8%€101,264within the sector's middle half▲ 0.8%€93,754within the sector's middle half▼ 7.4%€76,046within the sector's middle half▼ 18.9%€69,786within the sector's middle half▼ 8.2%
Solvency84.9%-89.6%▲ 4.7pp96.3%above the sector's middle half▲ 6.7pp93.6%above the sector's middle half▼ 2.6pp97.5%above the sector's middle half▲ 3.9pp94.7%above the sector's middle half▼ 2.8pp95.0%above the sector's middle half▲ 0.3pp95.2%above the sector's middle half▲ 0.2pp
Current ratio6.70-9.40▲ 2.7057.77above the sector's middle half▲ 48.3715.41above the sector's middle half▼ 42.3640.16above the sector's middle half▲ 24.7518.96above the sector's middle half▼ 21.2020.04above the sector's middle half▲ 1.0820.85above the sector's middle half▲ 0.81
Return on assets (ROA)-0.7%-0.2%▲ 0.9pp0.2%within the sector's middle half=-0.5%below the sector's middle half▼ 0.8pp-0.2%within the sector's middle half▲ 0.3pp-8.6%below the sector's middle half▼ 8.4pp-22.1%below the sector's middle half▼ 13.5pp-8.5%below the sector's middle half▲ 13.6pp
above
within
below
The sector band is the middle half of the companies in Computer programming, consultancy and related activities (NACE 62). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €6,510, smaller than the loss of €15,283 in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €73,302
Equity
€69,786 ▼ 8.2%
Debt
€3,516 ▼ 12.0%
Debt's share of the balance-sheet total falls from 5.0% to 4.8%. Equity and debt are lower.
Key figures and ratios
Quick ratio
15.48▲
2024 · 15.25
Debt to equity
0.05▼
2024 · 0.05
ROE
-9.0%▲
2024 · -23.3%
Debt ≤ 1 year
€3,516▼
2024 · €3,995
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,278 | €2,111 | €1,000 | €1,000 | €1,000 | €1,000 | - | - | - |
| Other operating charges640/8 | - | - | - | €1,409 | €1,301 | €1,415 | €716 | €679 | ▼ 5.1% |
| Gross operating margin9900 | €1,149 | €3,679 | €1,804 | €1,855 | €2,201 | -€6,142 | -€14,567 | -€5,831 | ▲ 60.0% |
| Operating profit (loss)9901 | -€799 | €322 | €335 | -€554 | -€100 | -€8,556 | -€15,283 | -€6,510 | ▲ 57.4% |
| Financial income75/76B | - | - | - | - | - | €213 | €491 | €462 | ▼ 5.8% |
| Recurring financial income75 | €54 | €53 | - | - | - | €213 | €491 | €462 | ▼ 5.8% |
| Financial charges65/66B | - | - | - | €46 | €133 | €166 | €2,916 | €212 | ▼ 92.7% |
| Recurring financial charges65 | €79 | €115 | €90 | €46 | €133 | €166 | €2,916 | €212 | ▼ 92.7% |
| Profit (loss) for the period before taxes9903 | -€825 | €260 | €246 | -€600 | -€233 | -€8,509 | -€17,709 | -€6,260 | ▲ 64.7% |
| Income taxes67/77 | €10 | - | - | - | - | - | - | - | - |
| Profit (loss) for the period9904 | -€835 | €260 | €246 | -€600 | -€233 | -€8,509 | -€17,709 | -€6,260 | ▲ 64.7% |
| Profit (loss) for the period to be appropriated9905 | -€835 | €260 | €246 | -€600 | -€233 | -€8,509 | -€17,709 | -€6,260 | ▲ 64.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €120,827 | €114,807 | €107,100 | €109,470 | €104,849 | €98,975 | €80,040 | €73,302 | ▼ 8.4% |
| Fixed assets21/28 | €1,111 | €4,000 | €3,000 | €2,000 | €1,000 | - | - | - | - |
| Tangible fixed assets22/27 | €1,111 | €4,000 | €3,000 | €2,000 | €1,000 | - | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €2,000 | €1,000 | - | - | - | - |
| Current assets29/58 | €119,716 | €110,807 | €104,100 | €107,470 | €103,849 | €98,975 | €80,040 | €73,302 | ▼ 8.4% |
| Stocks and contracts in progress3 | €30,509 | €30,509 | €30,855 | €33,855 | €34,855 | €30,855 | €19,127 | €18,856 | ▼ 1.4% |
| Stocks30/36 | - | - | - | €30,855 | €30,855 | €30,855 | €19,127 | €18,856 | ▼ 1.4% |
| Contracts in progress37 | - | - | - | €3,000 | €4,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €29,531 | €17,099 | €8,288 | €17,208 | €31,975 | €10,287 | €6,556 | €4,958 | ▼ 24.4% |
| Trade receivables40 | - | - | - | €16,347 | €29,194 | €6,360 | €5,540 | €2,915 | ▼ 47.4% |
| Other amounts receivable41 | - | - | - | €861 | €2,781 | €3,927 | €1,016 | €2,043 | ▲ 101% |
| Current investments50/53 | €2,766 | €2,766 | €2,766 | €2,766 | €2,766 | €2,766 | - | - | - |
| Cash at bank and in hand54/58 | €56,910 | €60,432 | €52,191 | €53,641 | €34,253 | €55,066 | €54,357 | €48,806 | ▼ 10.2% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | - | - | €683 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €120,827 | €114,807 | €107,100 | €109,470 | €104,849 | €98,975 | €80,040 | €73,302 | ▼ 8.4% |
| Equity10/15 | €102,591 | €102,851 | €103,097 | €102,497 | €102,264 | €93,754 | €76,046 | €69,786 | ▼ 8.2% |
| Contributions10/11 | €6,197 | €6,197 | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Reserves13 | €158,015 | €158,015 | €158,015 | €158,015 | €158,015 | €158,015 | €158,015 | €63,589 | ▼ 59.8% |
| Non-distributable reserves130/1 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | - | - | €156,155 | €156,155 | €156,155 | €156,155 | €61,729 | ▼ 60.5% |
| Profit (loss) carried forward14 | -€61,621 | -€61,361 | -€61,115 | -€61,715 | -€61,948 | -€70,458 | -€88,166 | - | - |
| Amounts payable17/49 | €18,236 | €11,956 | €4,004 | €6,973 | €2,586 | €5,220 | €3,995 | €3,516 | ▼ 12.0% |
| Amounts payable within one year42/48 | €17,861 | €11,785 | €1,802 | €6,973 | €2,586 | €5,220 | €3,995 | €3,516 | ▼ 12.0% |
| Trade debts44 | €10,528 | €5,452 | €300 | €6,035 | €287 | €1,353 | €122 | €883 | ▲ 623% |
| Suppliers440/4 | - | - | - | €6,035 | €287 | €1,353 | €122 | €883 | ▲ 623% |
| Taxes, remuneration and social security45 | - | - | - | €19 | - | - | - | - | - |
| Taxes450/3 | - | - | - | €19 | - | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €919 | €2,299 | €3,867 | €3,873 | €2,634 | ▼ 32.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€835 | €260 | €246 | -€600 | -€233 | -€8,509 | -€17,709 | -€6,260 | ▲ 64.7% |
| + Depreciation and write-downs630 | €1,278 | €2,111 | €1,000 | €1,000 | €1,000 | €1,000 | - | - | - |
| Operating cash flow (approximation) | €443 | €2,371 | €1,246 | €400 | €767 | -€7,509 | -€17,709 | -€6,260 | ▲ 64.7% |
| Investment in fixed assets (approximation) | - | -€5,000 | €0 | €0 | €0 | - | - | - | - |
| Change in cash | - | €3,522 | -€8,241 | €1,450 | -€19,387 | €20,813 | -€709 | -€5,551 | ▼ 683% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 12,322 companies had the same profile as INTER ACTIONS has now. Two years later, 90.3% were still going and 0.7% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
90.3%
was still going
8.6%
stopped otherwise
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INTER ACTIONS itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for INTER ACTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 28 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-07-2026 | 2026-00348132 | |
| 31-12-2024 | micro format | 02-07-2025 | 2025-00214420 | |
| 31-12-2023 | abbreviated format | 17-06-2024 | 2024-00132829 | |
| 31-12-2022 | abbreviated format | 15-06-2023 | 2023-00128087 | |
| 31-12-2021 | abbreviated format | 15-06-2022 | 2022-20063972 | |
| 31-12-2020 | abbreviated format | 09-06-2021 | 2021-18200165 | |
| 31-12-2019 | abbreviated format | 12-06-2020 | 2020-18600152 | |
| 31-12-2018 | abbreviated format | 27-06-2019 | 2019-23100357 | |
| 31-12-2017 | abbreviated format | 21-08-2018 | 2018-46900483 | |
| 31-12-2016 | abbreviated format | 03-07-2017 | 2017-24700395 |