INTER BUSINESS
ActiveINTER BUSINESS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €305k and a net result of €232k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 23% of 11613 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
81
/ 100
Excellent▼ -13 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency57▼-26
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 4.0 in 2023), but 76.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 11613 sector peers (2024).
NBB · sector comparisonPosition among 11613 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
92 d late
2022
31 d early
2021
2 d early
2020
100 d late
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€305k▲ 36.8%
2023 · €223k
2018: €145k
2019: €148k
2020: €130k
2021: €144k
2022: €162k
2023: €223k
2018 → 2024
Total assets
€1.28M▲ 125%
2023 · €570k
2018: €278k
2019: €249k
2020: €322k
2021: €331k
2022: €372k
2023: €570k
2018 → 2024
Net result
€232k▲ 92.4%
2023 · €121k
2018: €35k
2019: €3k
2020: €-19k
2021: €14k
2022: €68k
2023: €121k
2018 → 2024
Working capital
€674k▲ 124%
2023 · €301k
2018: €59k
2019: €63k
2020: €-11k
2021: €22k
2022: €70k
2023: €301k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€130k-€144k▲ 11.2%€162k▲ 12.8%€223k▲ 37.3%€305k▲ 36.8%
Operating result€-12k-€27k€82k▲ 198%€147k▲ 80.4%€272k▲ 84.2%
Net result€-19k-€14k€68k▲ 373%€121k▲ 76.3%€232k▲ 92.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 84% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.28M
Fixed assets
€184k▲ 9.2%
Current assets
€1.10M▲ 174%
Equity and liabilities €1.28M
Equity
€305k▲ 36.8%
Debt
€978k▲ 182%
The debt ratio rises from 60.9% to 76.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€296k▲
2023 · €172k
Cash flow
€256k▲
2023 · €145k
Solvency
23.8%▼
2023 · 39.1%
Current ratio
2.59▼
2023 · 4.00
Quick ratio
1.54▼
2023 · 2.85
Debt / equity
3.20▲
2023 · 1.56
ROE
76.1%▲
2023 · 54.1%
ROA
18.1%▼
2023 · 21.2%
Interest coverage
32.84▼
2023 · 71.69
Debt
€978k▲
2023 · €347k
Debt ≤ 1 year
€424k▲
2023 · €100k
Debt > 1 year
€554k▲
2023 · €246k
Income taxes
€31k▲
2023 · €25k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€570k€1.28M▲
Fixed assets21/28€169k€184k▲
Tangible fixed assets22/27€169k€180k▲
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€605€148▼
Furniture and vehicles24€11k€42k▲
Leasing and similar rights25€123k€116k▼
Other tangible fixed assets26€31k€17k▼
Assets under construction and advance payments27-€3k
Financial fixed assets28-€4k
Current assets29/58€401k€1.10M▲
Stocks and contracts in progress3€115k€447k▲
Stocks30/36€115k€447k▲
Amounts receivable within one year40/41€39k€267k▲
Trade receivables40€17k€63k▲
Other amounts receivable41€22k€203k▲
Cash at bank and in hand54/58€247k€385k▲
Equity and liabilities
Total equity and liabilities10/49€570k€1.28M▲
Equity10/15€223k€305k▲
Contributions10/11€12k€12k=
Reserves13€112k€293k▲
Distributable reserves133€112k€293k▲
Profit (loss) carried forward14€98k-
Amounts payable17/49€347k€978k▲
Amounts payable after more than one year17€246k€554k▲
Financial debts170/4€246k€554k▲
Amounts payable within one year42/48€100k€424k▲
Current portion of amounts payable after more than one year42€7k€151k▲
Trade debts44€22k€83k▲
Suppliers440/4€22k€83k▲
Taxes, remuneration and social security45€12k€39k▲
Taxes450/3€12k€39k▲
Other amounts payable47/48€60k€150k▲
Accrued charges and deferred income492/3€500-
Income statement
Code20232024
Non-recurring operating income76A€5k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€174k€299k▲
Operating profit (loss)9901€147k€272k▲
Financial income75/76B€36-
Recurring financial income75€36-
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€145k€263k▲
Income taxes67/77€25k€31k▲
Profit (loss) for the period9904€121k€232k▲
Profit (loss) for the period to be appropriated9905€121k€232k▲
Appropriation of the result
Profit (loss) to be appropriated9906€158k€330k▲
Profit (loss) brought forward from the previous period14P€38k€98k▲
Transfer to equity691/2-€180k
To other reserves6921-€180k
Profit to be distributed694/7€60k€150k▲
Directors or managers695€60k€150k▲
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €232k ▲92.4%
Operating result €272k, net result €232k, both a record.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 4.00
Current ratio from 1.62 to 4.00; short-term debt falls from €113k to €100k.
31-12
Financial
Equity above €200kEq €223k ▲37.3%
3 profitable years in a row build equity to €223k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €162k ▲12.8%
2 profitable years in a row build equity to €162k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
08-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 100 days late
2020
31-12
Financial
Weakest financial yearnet €-19k ▼713%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
07-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kortrijk · 1 establishment unit since 1990
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.
Plein(Kor) 30A8500 KortrijkGround area
354 m²
Building footprint
263 m²
Volume, LiDAR
2,388 m³
Parcel 34353H0820/00F000, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Immo Dhaene
since 19902.046.690.694
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353H0820/00F000 | Flanders | 354 m² | 1 · 263 m² | 15.0 m · 4 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
2025 · 1 entry · 48 EUR awarded · 48 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 48 EUR | 48 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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BELANEX
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VISION ET HABITAT
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LANDMETER VERBEKE
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Of 1,757 companies in sector 71122 we hold annual accounts for 765. 591 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-1990
Fiscal year end31-12
Activities, NACEBEL
71122Land surveying
74142
68121Development of residential building projects
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.