INTER CHANTIER
ActiveThe computed 12-month bankruptcy probability of INTER CHANTIER is 1.9% (moderate). The 2024 annual accounts show equity of €60k and a net result of €16k. Equity is growing by ~47.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 26043 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability76▲+64
Solvency47▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.11 in 2023; short-term debt: 73.2% and cash: 11.9% of total assets), and 78.3% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
21.7%
Return on assets
5.7%
Age of the figures
21 mo
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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€79k
EBIT margin
-23.4%
Net result
€16k
2023 · €-14k
2019: €-19k
2020: €5k
2021: €18k
2022: €42k
2023: €-14k
2019 → 2024
Working capital
€61k▲ 156%
2023 · €24k
2019: €-7k
2020: €-7k
2021: €14k
2022: €50k
2023: €24k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-1k-€17k€59k▲ 247%€44k▼ 24.3%€60k▲ 35.8%
Operating result€6k-€18k▲ 212%€52k▲ 187%€-14k€18k
Net result€5k-€18k▲ 252%€42k▲ 132%€-14k€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €18k after a loss of €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €278k
Fixed assets
€14k▼ 35.1%
Current assets
€264k▲ 10.3%
Equity and liabilities €278k
Equity
€60k▲ 35.8%
Debt
€217k▲ 0.7%
The debt ratio falls from 82.9% to 78.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k▲
2023 · €-7k
Cash flow
€23k▲
2023 · €-8k
Solvency
21.7%▲
2023 · 17.1%
Current ratio
1.30▲
2023 · 1.11
Quick ratio
0.25▲
2023 · 0.16
Debt / equity
3.60▼
2023 · 4.86
ROE
26.3%▲
2023 · -32.1%
ROA
5.7%▲
2023 · -5.5%
Interest coverage
26.72▲
2023 · -6.33
Debt
€217k▲
2023 · €216k
Debt ≤ 1 year
€203k▼
2023 · €216k
Income taxes
€1k
Staff costs
€56k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€260k€278k▲
Fixed assets21/28€21k€14k▼
Tangible fixed assets22/27€20k€13k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€17k€10k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€800€800=
Current assets29/58€239k€264k▲
Stocks and contracts in progress3€206k€213k▲
Stocks30/36€206k€213k▲
Amounts receivable within one year40/41€18k€18k▼
Trade receivables40€16k€15k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€13k€33k▲
Deferred charges and accrued income490/1€2k€683▼
Equity and liabilities
Total equity and liabilities10/49€260k€278k▲
Equity10/15€44k€60k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€32k€48k▲
Amounts payable17/49€216k€217k▲
Amounts payable within one year42/48€216k€203k▼
Trade debts44€49k€38k▼
Suppliers440/4€49k€38k▼
Taxes, remuneration and social security45€37k€29k▼
Taxes450/3€23k€17k▼
Remuneration and social security454/9€14k€12k▼
Other amounts payable47/48€130k€137k▲
Accrued charges and deferred income492/3€103€14k▲
Income statement
Code20232024
Remuneration, social security and pensions62€52k€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€46k€83k▲
Operating profit (loss)9901€-14k€18k▲
Financial income75/76B€630€189▼
Recurring financial income75€630€189▼
Financial charges65/66B€1k€935▼
Recurring financial charges65€1k€935▼
Profit (loss) for the period before taxes9903€-14k€17k▲
Income taxes67/77-€1k
Profit (loss) for the period9904€-14k€16k▲
Profit (loss) for the period to be appropriated9905€-14k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€48k▲
Profit (loss) brought forward from the previous period14P€46k€32k▼
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
Back to profitnet €16k
Net result €16k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2019net €42k ▲132%
Operating result €52k, net result €42k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
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, Verviers · 1 establishment unit since 2018
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.
Rue de Heusy 204800 VerviersGround area
589 m²
Building footprint
84 m²
Volume, LiDAR
907 m³
Parcel 63079D0241/00H000, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
INTER CHANTIER
since 20182.283.693.368
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63079D0241/00H000 | Wallonia | 589 m² | 1 · 84 m² | 13.7 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.
Similar companies · same sector, comparable size
Belgian Professional Home Appliances
BE 0830.746.602
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MAUDEL CONCEPT
BE 0627.622.563
Orp-Jauche · Eq €60k
VC ATELIER
BE 0476.300.880
Sint-Lievens-Houtem · Eq €60k
ELEKTRO LEFEVRE
BE 0474.990.786
Tienen · Eq €61k
ELECTRO PG
BE 0769.248.206
Comblain-au-Pont · Eq €61k
Of 1,510 companies in sector 47540 we hold annual accounts for 805. 600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2018
Fiscal year end31-12
Activities, NACEBEL
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.