INTER FACADE
ActiveThe computed 12-month bankruptcy probability of INTER FACADE is 2.1% (moderate). The 2025 annual accounts show equity of €517k and a net result of €214k. Equity is growing by ~72.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 27446 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▲+1
Growth78=
Stability94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.23 in 2024), and 40.7% 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 · 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
59.3%
Return on assets
24.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filingsDeviation from the deadline
2025
31 d late
2024
27 d late
2023
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€517k▲ 69.6%
2024 · €305k
2023: €76k
2024: €305k
2023 → 2025
Total assets
€871k▲ 57.9%
2024 · €552k
2023: €125k
2024: €552k
2023 → 2025
Net result
€214k▼ 7.2%
2024 · €231k
2023: €77k
2024: €231k
2023 → 2025
Working capital
€448k▲ 61.2%
2024 · €278k
2023: €76k
2024: €278k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€76k-€305k▲ 302%€517k▲ 69.6%
Operating result€97k-€343k▲ 252%€318k▼ 7.2%
Net result€77k-€231k▲ 201%€214k▼ 7.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €871k
Fixed assets
€116k▲ 142%
Current assets
€755k▲ 49.8%
Equity and liabilities €871k
Equity
€517k▲ 69.6%
Debt
€354k▲ 43.4%
The debt ratio falls from 44.8% to 40.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€328k▼
2024 · €350k
Cash flow
€224k▼
2024 · €238k
Solvency
59.3%▲
2024 · 55.2%
Current ratio
2.46▲
2024 · 2.23
Quick ratio
2.46▲
2024 · 2.23
Debt / equity
0.69▼
2024 · 0.81
ROE
41.4%▼
2024 · 75.7%
ROA
24.5%▼
2024 · 41.8%
Interest coverage
35.27▲
2024 · 32.78
Debt
€354k▲
2024 · €247k
Debt ≤ 1 year
€307k▲
2024 · €226k
Debt > 1 year
€48k▲
2024 · €21k
Income taxes
€95k▼
2024 · €102k
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€552k€871k▲
Fixed assets21/28€48k€116k▲
Tangible fixed assets22/27€47k€116k▲
Plant, machinery and equipment23-€997
Furniture and vehicles24€47k€115k▲
Financial fixed assets28€700€700=
Current assets29/58€504k€755k▲
Amounts receivable within one year40/41€276k€705k▲
Trade receivables40€217k€473k▲
Other amounts receivable41€60k€231k▲
Cash at bank and in hand54/58€227k€50k▼
Deferred charges and accrued income490/1€276€421▲
Equity and liabilities
Total equity and liabilities10/49€552k€871k▲
Equity10/15€305k€517k▲
Reserves13€229k€443k▲
Distributable reserves133€229k€443k▲
Profit (loss) carried forward14€76k€74k▼
Amounts payable17/49€247k€354k▲
Amounts payable after more than one year17€21k€48k▲
Financial debts170/4€21k€48k▲
Amounts payable within one year42/48€226k€307k▲
Current portion of amounts payable after more than one year42€11k€98k▲
Trade debts44€105k€92k▼
Suppliers440/4€105k€92k▼
Taxes, remuneration and social security45€108k€116k▲
Taxes450/3€108k€116k▲
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€2k€924▼
Gross operating margin9900€353k€329k▼
Operating profit (loss)9901€343k€318k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€332k€309k▼
Income taxes67/77€102k€95k▼
Profit (loss) for the period9904€231k€214k▼
Profit (loss) for the period to be appropriated9905€231k€214k▼
Appropriation of the result
Profit (loss) to be appropriated9906€306k€290k▼
Profit (loss) brought forward from the previous period14P€76k€76k=
Transfer to equity691/2€229k€214k▼
To other reserves6921€229k€214k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
Directors or managers695€0-
The notes to these accounts (16 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €500kEq €517k ▲69.6%
3 profitable years in a row build equity to €517k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2023net €231k ▲201%
Operating result €343k, net result €231k, both a record.
31-12
Financial
Equity above €200kEq €305k ▲302%
2 profitable years in a row build equity to €305k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Vilvoorde · 1 establishment unit since 2023
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.
Rooseveltlaan (Franklin) 421800 VilvoordeGround area
651 m²
Building footprint
157 m²
Volume, LiDAR
720 m³
2 parcels, Brussels, Flanders · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
INTER FACADE
since 20232.343.208.709
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21010B0235/00A013 | Brussels | 345 m² | 1 · 68 m² | 12.6 m · 4 fl. |
| 23643G0455/00E002 | Flanders | 306 m² | 1 · 89 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Bouwwerken Smetryns
BE 0874.801.824
Dendermonde · Eq €517k
JAN VANDEWAETERE
BE 0502.571.054
Zonnebeke · Eq €517k
AFSLUITINGEN PEETERS
BE 0830.624.955
Malle · Eq €517k
DECO STELLINGBOUW
BE 0859.940.137
Torhout · Eq €517k
SURINX
BE 0459.189.090
Bilzen-Hoeselt · Eq €517k
Of 15,435 companies in sector 43990 we hold annual accounts for 7,353. 4,448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2023
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:george.negruser@yahoo.com