INTER-BOUW
ActiveINTER-BOUW has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €6k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 32% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-26
Solvency52▲+2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 8.28 in 2024; short-term debt: 13.3% and cash: 29% of total assets), but 73.2% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
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
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
26.8%
Return on assets
1.5%
Age of the figures
9 mo
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
4 d early
2023
30 d early
2022
8 d late
2021
31 d late
2020
19 d early
2019
2 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 5.8%
2024 · €100k
2018: €55k
2019: €58k
2020: €54k
2021: €75k
2022: €75k
2023: €98k
2024: €100k
2018 → 2025
Total assets
€396k▲ 0.1%
2024 · €396k
2018: €91k
2019: €100k
2020: €123k
2021: €89k
2022: €88k
2023: €168k
2024: €396k
2018 → 2025
Net result
€6k▲ 114%
2024 · €3k
2018: €6k
2019: €3k
2020: €-3k
2021: €21k
2022: €-132
2023: €22k
2024: €3k
2018 → 2025
Working capital
€105k▼ 23.1%
2024 · €137k
2018: €39k
2019: €36k
2020: €44k
2021: €73k
2022: €61k
2023: €153k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€75k▼ 0.2%€98k▲ 29.8%€100k▲ 2.8%€106k▲ 5.8%
Operating result€29k-€-1k€27k€4k▼ 85.9%€19k▲ 400%
Net result€21k-€-132€22k€3k▼ 87.9%€6k▲ 114%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 400% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €396k
Fixed assets
€238k▼ 0.9%
Current assets
€158k▲ 1.5%
Equity and liabilities €396k
Equity
€106k▲ 5.8%
Provisions
€48k
Debt
€243k▼ 17.9%
The debt ratio falls from 74.7% to 61.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€31k▲
2024 · €11k
Cash flow
€18k▲
2024 · €10k
Solvency
26.8%▲
2024 · 25.3%
Current ratio
2.99▼
2024 · 8.28
Quick ratio
2.99▼
2024 · 8.28
Debt / equity
2.29▼
2024 · 2.95
ROE
5.5%▲
2024 · 2.7%
ROA
1.5%▲
2024 · 0.7%
Interest coverage
2.78▼
2024 · 21.56
Debt
€243k▼
2024 · €296k
Debt ≤ 1 year
€53k▲
2024 · €19k
Debt > 1 year
€190k▼
2024 · €277k
Income taxes
€2k▲
2024 · €684
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€396k€396k▲
Fixed assets21/28€240k€238k▼
Tangible fixed assets22/27€240k€238k▼
Land and buildings22€230k€224k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€5k€11k▲
Current assets29/58€156k€158k▲
Amounts receivable within one year40/41€48k€35k▼
Trade receivables40€41k€26k▼
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€103k€115k▲
Deferred charges and accrued income490/1€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€396k€396k▲
Equity10/15€100k€106k▲
Contributions10/11€19k€19k=
Reserves13€82k€88k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€80k€86k▲
Provisions and deferred taxes16-€48k
Provisions for liabilities and charges160/5-€48k
Other liabilities and charges164/5-€48k
Amounts payable17/49€296k€243k▼
Amounts payable after more than one year17€277k€190k▼
Financial debts170/4€277k€190k▼
Amounts payable within one year42/48€19k€53k▲
Current portion of amounts payable after more than one year42-€14k
Financial debts43€1k€2k▲
Credit institutions430/8€1k€2k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€26€1k▲
Remuneration and social security454/9€1k-
Other amounts payable47/48€10k€29k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Provisions for liabilities and charges: additions (uses and reversals)635/8-€48k
Other operating charges640/8€34k€5k▼
Gross operating margin9900€45k€87k▲
Operating profit (loss)9901€4k€19k▲
Financial income75/76B€51-
Recurring financial income75€51-
Financial charges65/66B€504€11k▲
Recurring financial charges65€504€11k▲
Profit (loss) for the period before taxes9903€3k€8k▲
Income taxes67/77€684€2k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€6k▲
Transfer to equity691/2€3k€6k▲
To other reserves6921€3k€6k▲
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €100k ▲2.8%
2 profitable years in a row build equity to €100k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity times 47current ratio 268.45
Current ratio from 5.77 to 268.45; short-term debt falls from €13k to €573.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 15.15
Current ratio from 1.63 to 15.15; short-term debt falls from €69k to €5k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-3k ▼219%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mechelen · 1 establishment unit since 2022
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.
Muizen-Dorp(MZN) 122812 MechelenGround area
293 m²
Building footprint
210 m²
Volume, LiDAR
1,925 m³
Parcel 12409A0227/00L000, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bermilas
since 20222.329.104.117
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12409A0227/00L000 | Flanders | 293 m² | 1 · 210 m² | 12.4 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.329.104.117
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Of 2,451 companies in sector 41003 we hold annual accounts for 1,055. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2000
Fiscal year end31-12
Activities, NACEBEL
41003General construction of other non-residential buildings
45213
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.