INTER FABRICS
ActiveSummary
INTER FABRICS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €169,216 and a net result of €21,303. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 52% of 6130 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability76▲+25
Solvency69▲+21
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.28 in 2023; short-term debt: 56.3% and cash: 6.7% of total assets), but 56.3% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
54 d late
2022
16 d late
2021
31 d late
2020
30 d late
2019
112 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 45 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€21,303▲ 445%
2023 · €3,907
Working capital
€159,066▲ 9.1%
2023 · €145,783
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€38,860▼ 7.7%€46,203▲ 18.9%€24,497▼ 47.0%€8,309▼ 66.1%€35,594▲ 328%
Net result€26,676within the sector's middle half▼ 15.7%€30,071within the sector's middle half▲ 12.7%€15,917within the sector's middle half▼ 47.1%€3,907within the sector's middle half▼ 75.5%€21,303within the sector's middle half▲ 445%
Equity€108,017below the sector's middle half▲ 25.1%€138,089below the sector's middle half▲ 27.8%€154,006below the sector's middle half▲ 11.5%€157,913below the sector's middle half▲ 2.5%€169,216below the sector's middle half▲ 7.2%
Total assets€1.3mwithin the sector's middle half▼ 32.7%€1.5mwithin the sector's middle half▲ 18.3%€973,740within the sector's middle half▼ 34.6%€681,504below the sector's middle half▼ 30.0%€387,420below the sector's middle half▼ 43.2%
Debt€1.1m▼ 35.5%€1.4m▲ 17.4%€819,734▼ 39.3%€523,591▼ 36.1%€218,204▼ 58.3%
Working capital€76,603within the sector's middle half▲ 32.4%€111,339within the sector's middle half▲ 45.3%€136,116within the sector's middle half▲ 22.3%€145,783within the sector's middle half▲ 7.1%€159,066within the sector's middle half▲ 9.1%
Solvency8.6%below the sector's middle half▲ 4.0pp9.3%below the sector's middle half▲ 0.7pp15.8%below the sector's middle half▲ 6.5pp23.2%within the sector's middle half▲ 7.4pp43.7%within the sector's middle half▲ 20.5pp
Current ratio1.07below the sector's middle half▲ 0.031.08below the sector's middle half▲ 0.021.17within the sector's middle half▲ 0.081.28within the sector's middle half▲ 0.111.73within the sector's middle half▲ 0.45
Return on assets (ROA)2.1%within the sector's middle half▲ 0.4pp2.0%within the sector's middle half▼ 0.1pp1.6%within the sector's middle half▼ 0.4pp0.6%within the sector's middle half▼ 1.1pp5.5%within the sector's middle half▲ 4.9pp
Staff (FTE)3.4below the sector's middle half1.8below the sector's middle half▼ 47.1%
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 328% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €387,420
Fixed assets
€10,150 ▼ 16.3%
Current assets
€377,270 ▼ 43.6%
Equity and liabilities €387,420
Equity
€169,216 ▲ 7.2%
Debt
€218,204 ▼ 58.3%
Debt's share of the balance-sheet total falls from 76.8% to 56.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€36,824▲
2023 · €10,769
Cash flow
€22,533▲
2023 · €6,367
Quick ratio
0.28▼
2023 · 0.36
Debt to equity
1.29▼
2023 · 3.32
ROE
12.6%▲
2023 · 2.5%
Interest coverage
11.11▲
2023 · 3.83
Debt ≤ 1 year
€218,204▼
2023 · €523,591
Income taxes
€10,977▲
2023 · €1,589
Staff costs
€91,665▲
2023 · €90,400
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €166,381 | €116,657 | €90,400 | €91,665 | ▲ 1.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,664 | €4,664 | €2,460 | €2,460 | €1,230 | ▼ 50.0% |
| Other operating charges640/8 | - | €1,624 | €511 | €31,298 | €2,613 | ▼ 91.7% |
| Gross operating margin9900 | €159,927 | €218,873 | €144,124 | €132,467 | €131,101 | ▼ 1.0% |
| Operating profit (loss)9901 | €38,860 | €46,203 | €24,497 | €8,309 | €35,594 | ▲ 328% |
| Financial income75/76B | - | €50 | - | €0 | - | - |
| Recurring financial income75 | €54 | €50 | - | €0 | - | - |
| Financial charges65/66B | - | €909 | €2,157 | €2,812 | €3,314 | ▲ 17.8% |
| Recurring financial charges65 | €377 | €909 | €2,157 | €2,812 | €3,314 | ▲ 17.8% |
| Profit (loss) for the period before taxes9903 | €38,536 | €45,344 | €22,340 | €5,496 | €32,280 | ▲ 487% |
| Income taxes67/77 | €11,860 | €15,273 | €6,423 | €1,589 | €10,977 | ▲ 591% |
| Profit (loss) for the period9904 | €26,676 | €30,071 | €15,917 | €3,907 | €21,303 | ▲ 445% |
| Profit (loss) for the period to be appropriated9905 | €26,676 | €30,071 | €15,917 | €3,907 | €21,303 | ▲ 445% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.5m | €973,740 | €681,504 | €387,420 | ▼ 43.2% |
| Fixed assets21/28 | €31,414 | €26,750 | €20,890 | €12,130 | €10,150 | ▼ 16.3% |
| Tangible fixed assets22/27 | €10,814 | €6,150 | €3,690 | €1,230 | - | - |
| Furniture and vehicles24 | - | €6,150 | €3,690 | €1,230 | - | - |
| Financial fixed assets28 | €20,600 | €20,600 | €17,200 | €10,900 | €10,150 | ▼ 6.9% |
| Current assets29/58 | €1.2m | €1.5m | €952,850 | €669,374 | €377,270 | ▼ 43.6% |
| Stocks and contracts in progress3 | €640,205 | €652,382 | €392,635 | €481,688 | €316,321 | ▼ 34.3% |
| Stocks30/36 | - | €652,382 | €392,635 | €481,688 | €316,321 | ▼ 34.3% |
| Amounts receivable within one year40/41 | €553,699 | €807,103 | €512,844 | €167,133 | €34,895 | ▼ 79.1% |
| Trade receivables40 | - | €807,103 | €499,126 | €167,133 | €32,659 | ▼ 80.5% |
| Other amounts receivable41 | - | - | €13,717 | - | €2,236 | - |
| Cash at bank and in hand54/58 | €32,398 | €2,025 | €47,371 | €20,554 | €26,053 | ▲ 26.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.5m | €973,740 | €681,504 | €387,420 | ▼ 43.2% |
| Equity10/15 | €108,017 | €138,089 | €154,006 | €157,913 | €169,216 | ▲ 7.2% |
| Contributions10/11 | - | €20,460 | €20,460 | €20,460 | €20,460 | = |
| Outside capital11 | - | €20,460 | €20,460 | - | - | - |
| Other1109/19 | - | €20,460 | €20,460 | - | - | - |
| Profit (loss) carried forward14 | €87,557 | €117,629 | €133,546 | €137,453 | €148,756 | ▲ 8.2% |
| Amounts payable17/49 | €1.1m | €1.4m | €819,734 | €523,591 | €218,204 | ▼ 58.3% |
| Amounts payable after more than one year17 | - | - | €3,000 | - | - | - |
| Other amounts payable178/9 | - | - | €3,000 | - | - | - |
| Amounts payable within one year42/48 | €1.1m | €1.4m | €816,734 | €523,591 | €218,204 | ▼ 58.3% |
| Financial debts43 | - | €1,484 | - | - | - | - |
| Credit institutions430/8 | - | €1,484 | - | - | - | - |
| Trade debts44 | €863,293 | €1.0m | €192,417 | €228,891 | €78,548 | ▼ 65.7% |
| Suppliers440/4 | - | €1.0m | €192,417 | €228,891 | €78,548 | ▼ 65.7% |
| Advances received on contracts in progress46 | - | €3,245 | €131,802 | €52,724 | €25,575 | ▼ 51.5% |
| Taxes, remuneration and social security45 | - | €81,211 | €79,822 | €17,245 | €16,464 | ▼ 4.5% |
| Taxes450/3 | - | €32,479 | €29,088 | €13,438 | €13,999 | ▲ 4.2% |
| Remuneration and social security454/9 | - | €48,733 | €50,734 | €3,807 | €2,465 | ▼ 35.3% |
| Other amounts payable47/48 | - | €224,957 | €412,692 | €224,731 | €97,617 | ▼ 56.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,676 | €30,071 | €15,917 | €3,907 | €21,303 | ▲ 445% |
| + Depreciation and write-downs630 | €4,664 | €4,664 | €2,460 | €2,460 | €1,230 | ▼ 50.0% |
| Operating cash flow (approximation) | €31,340 | €34,735 | €18,377 | €6,367 | €22,533 | ▲ 254% |
| Investment in fixed assets (approximation) | - | €0 | €3,400 | €6,300 | €750 | ▼ 88.1% |
| Change in cash | - | -€30,373 | €45,346 | -€26,817 | €5,500 | ▲ 121% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
19-06
State Gazette act
Resignation: Me Bathily (director)Appointment: M Bathily Amadou (director) · Director discharge · Share transfer8 facts ▸
State Gazette act
Resignation: Me Bathily (director)
Appointment: M Bathily Amadou (director) · Director discharge · Share transfer8 facts ▸
- General meeting, 09-06-2026
- Director resignation, Me Bathily (director)
- Director discharge, Me Bathily (director)
- General meeting, 09-06-2026
- Director appointment, M Bathily Amadou (director)
- General meeting, 09-06-2026
- Share transfer, Me Bathily → M Bathily Amadou
- General meeting, 09-06-2026
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 54 days late
2023
31-12
Financial
Weakest financial yearnet €3,907 ▼75.5%
Net result drops to €3,907, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 16 days late
2022
31-12
Financial
Equity above €150,000Eq €154,006 ▲11.5%
5 profitable years in a row build equity to €154,006.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €100,000Eq €108,017 ▲25.1%
3 profitable years in a row build equity to €108,017.
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 112 days late
2019
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 132 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 10 acts read
About the unread acts
Of the 10 Belgian State Gazette acts we know for this company, 1 has been read. The other 9 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
M Bathily Amadou
CurrentDirector · since 01-07-2026
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ.
See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
9 of this company's 10 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2023
Ground area
291 m²
Building footprint
296 m²
Volume, LiDAR
6,289 m³
Parcel 21808H1932/02R000, Brussels · tallest building 24.5 m, ±8 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Inter Fabrics
since 20232.349.462.140
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H1932/02R000 | Brussels | 291 m² | 1 · 296 m² | 24.5 m · 8 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
2 people since 2026, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| M Bathily Amadou |
|
| Me Bathily |
|
Structure & network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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Capital and shareholders
Shareholders according to the acts
Share transfer
act of 19-06-2026 ↗
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
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Of 235 companies in sector 46419 we hold annual accounts for 130. 93 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-08-2017
Fiscal year end31-12
Trade name FR
AFRICAN FABRICS et TOP WAX
Activities, NACEBEL 2025
46419Wholesale trade
46423Wholesale of clothing, excluding workwear and underwear
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
E-invoicing
Reachable via Peppol
Peppol ID
0208:0679836376
Also
9925:BE0679836376
Registered
22-09-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.