INTER-IMMO
ActiveSummary
INTER-IMMO has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313k and a net result of €2k. Equity is growing by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 65% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69=
Solvency86▼-2
Growth61=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.9 in 2024; short-term debt: 32% and cash: 44.3% of total assets), and 39.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
60.6%
Return on assets
0.4%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
24 d early
2023
29 d early
2022
3 d early
2021
32 d early
2020
32 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€823k▲ 13.1%
2018 · €728k
2018: €728k
2019: €823k▲ +13.1% vs 2018
2018 → 2019
EBIT margin
3.0%▼ 1.4pp
2018 · 4.4%
2018: 4.4%
2019: 3.0%▼ -31.7% vs 2018
2018 → 2019
Net result
€2k▼ 6.5%
2024 · €2k
2018: €24k
2019: €19k▼ -21.9% vs 2018
2020: €-52k▼ -380% vs 2019lowest in 8 years
2021: €3k▲ +106% vs 2020
2022: €43k▲ +1285% vs 2021
2023: €63k▲ +47.6% vs 2022highest in 8 years
2024: €2k▼ -96.2% vs 2023
2025: €2k▼ -6.5% vs 2024
2018 → 2025
Working capital
€169k▼ 26.6%
2024 · €231k
2018: €248k
2019: €246k▼ -0.6% vs 2018
2020: €208k▼ -15.6% vs 2019
2021: €215k▲ +3.3% vs 2020
2022: €243k▲ +13.3% vs 2021
2023: €318k▲ +30.6% vs 2022highest in 8 years
2024: €231k▼ -27.3% vs 2023
2025: €169k▼ -26.6% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€251k-€294k▲ 16.8%€356k▲ 21.3%€358k▲ 0.4%€313k▼ 12.5%
2021: €251klowest in 5 years
2022: €294k▲ +16.8% vs 2021
2023: €356k▲ +21.3% vs 2022
2024: €358k▲ +0.4% vs 2023highest in 5 years
2025: €313k▼ -12.5% vs 2024
Operating result€6k-€48k▲ 640%€89k▲ 86.0%€8k▼ 90.6%€8k▲ 1.3%
2021: €6klowest in 5 years
2022: €48k▲ +640% vs 2021
2023: €89k▲ +86.0% vs 2022highest in 5 years
2024: €8k▼ -90.6% vs 2023
2025: €8k▲ +1.3% vs 2024
Net result€3k-€43k▲ 1,285%€63k▲ 47.6%€2k▼ 96.2%€2k▼ 6.5%
2021: €3k
2022: €43k▲ +1285% vs 2021
2023: €63k▲ +47.6% vs 2022highest in 5 years
2024: €2k▼ -96.2% vs 2023
2025: €2k▼ -6.5% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €517k
Fixed assets
€182k ▼ 14.1%
Current assets
€335k ▼ 4.9%
Equity and liabilities €517k
Equity
€313k ▼ 12.5%
Debt
€204k ▼ 1.3%
Debt's share of the balance-sheet total rises from 36.6% to 39.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€68k▲
2024 · €48k
Cash flow
€61k▲
2024 · €42k
Current ratio
2.02▼
2024 · 2.90
Quick ratio
1.93▼
2024 · 2.73
Debt to equity
0.65▲
2024 · 0.58
ROE
0.7%▲
2024 · 0.7%
ROA
0.4%▲
2024 · 0.4%
Interest coverage
16.80▲
2024 · 13.18
Debt ≤ 1 year
€165k▲
2024 · €121k
Debt > 1 year
€38k▼
2024 · €85k
Income taxes
€2k▼
2024 · €2k
Staff costs
€247k▲
2024 · €234k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€564k€517k▼
Fixed assets21/28€212k€182k▼
Tangible fixed assets22/27€211k€181k▼
Plant, machinery and equipment23€15k€9k▼
Furniture and vehicles24€163k€149k▼
Other tangible fixed assets26€33k€24k▼
Financial fixed assets28€1k€1k=
Current assets29/58€352k€335k▼
Stocks and contracts in progress3€21k€16k▼
Stocks30/36€21k€16k▼
Amounts receivable within one year40/41€71k€83k▲
Trade receivables40€57k€73k▲
Other amounts receivable41€14k€10k▼
Cash at bank and in hand54/58€255k€229k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€564k€517k▼
Equity10/15€358k€313k▼
Contributions10/11€19k€19k=
Reserves13€339k€295k▼
Tax-exempt reserves132€17k€17k=
Distributable reserves133€322k€277k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€206k€204k▼
Amounts payable after more than one year17€85k€38k▼
Financial debts170/4€85k€38k▼
Amounts payable within one year42/48€121k€165k▲
Current portion of amounts payable after more than one year42€49k€47k▼
Financial debts43€208€302▲
Credit institutions430/8€208€302▲
Trade debts44€32k€16k▼
Suppliers440/4€32k€16k▼
Advances received on contracts in progress46-€11k
Taxes, remuneration and social security45€39k€44k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€36k€41k▲
Other amounts payable47/48€2k€48k▲
Income statement
Code20242025
Non-recurring operating income76A€37k€5k▼
Remuneration, social security and pensions62€234k€247k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€59k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€284k€317k▲
Operating profit (loss)9901€8k€8k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€5k€4k▼
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€2k▼
Transfer from equity791/2€859€47k▲
Transfer to equity691/2€2k€2k▼
To other reserves6921€2k€2k▼
Profit to be distributed694/7€859€47k▲
Return on contributions (dividend)694€859€47k▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €37k | €5k | ▼ 85.3% |
| Remuneration, social security and pensions62 | €214k | €149k | €188k | €234k | €247k | ▲ 5.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31k | €39k | €40k | €39k | €59k | ▲ 49.8% |
| Other operating charges640/8 | €3k | €2k | €3k | €3k | €2k | ▼ 18.0% |
| Non-recurring operating charges66A | €336 | €0 | €2k | €0 | - | - |
| Gross operating margin9900 | €255k | €237k | €321k | €284k | €317k | ▲ 11.5% |
| Operating profit (loss)9901 | €6k | €48k | €89k | €8k | €8k | ▲ 1.3% |
| Financial income75/76B | - | €4k | €4k | €0 | €0 | ▼ 25.0% |
| Recurring financial income75 | - | €4k | €4k | €0 | €0 | ▼ 25.0% |
| Financial charges65/66B | €3k | €2k | €3k | €4k | €4k | ▲ 10.9% |
| Recurring financial charges65 | €3k | €2k | €3k | €4k | €4k | ▲ 10.9% |
| Profit (loss) for the period before taxes9903 | €4k | €49k | €89k | €5k | €4k | ▼ 6.1% |
| Income taxes67/77 | €429 | €6k | €26k | €2k | €2k | ▼ 5.6% |
| Profit (loss) for the period9904 | €3k | €43k | €63k | €2k | €2k | ▼ 6.5% |
| Profit (loss) for the period to be appropriated9905 | €3k | €43k | €63k | €2k | €2k | ▼ 6.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €423k | €567k | €508k | €564k | €517k | ▼ 8.4% |
| Fixed assets21/28 | €106k | €121k | €86k | €212k | €182k | ▼ 14.1% |
| Tangible fixed assets22/27 | €104k | €114k | €78k | €211k | €181k | ▼ 14.2% |
| Plant, machinery and equipment23 | €8k | €4k | €6k | €15k | €9k | ▼ 43.2% |
| Furniture and vehicles24 | €48k | €61k | €33k | €163k | €149k | ▼ 8.7% |
| Other tangible fixed assets26 | €49k | €48k | €39k | €33k | €24k | ▼ 27.7% |
| Financial fixed assets28 | €1k | €8k | €8k | €1k | €1k | = |
| Current assets29/58 | €318k | €446k | €423k | €352k | €335k | ▼ 4.9% |
| Stocks and contracts in progress3 | €27k | €54k | €42k | €21k | €16k | ▼ 20.9% |
| Stocks30/36 | €27k | €54k | €42k | €21k | €16k | ▼ 20.9% |
| Amounts receivable within one year40/41 | €203k | €168k | €102k | €71k | €83k | ▲ 17.4% |
| Trade receivables40 | €158k | €150k | €81k | €57k | €73k | ▲ 28.5% |
| Other amounts receivable41 | €45k | €18k | €21k | €14k | €10k | ▼ 27.8% |
| Cash at bank and in hand54/58 | €83k | €221k | €274k | €255k | €229k | ▼ 10.3% |
| Deferred charges and accrued income490/1 | €5k | €3k | €4k | €6k | €6k | ▲ 14.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €423k | €567k | €508k | €564k | €517k | ▼ 8.4% |
| Equity10/15 | €251k | €294k | €356k | €358k | €313k | ▼ 12.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €233k | €275k | €338k | €339k | €295k | ▼ 13.2% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Tax-exempt reserves132 | €17k | €17k | €17k | €17k | €17k | = |
| Distributable reserves133 | €214k | €256k | €321k | €322k | €277k | ▼ 13.9% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €172k | €274k | €152k | €206k | €204k | ▼ 1.3% |
| Amounts payable after more than one year17 | €69k | €71k | €47k | €85k | €38k | ▼ 55.0% |
| Financial debts170/4 | €69k | €71k | €47k | €85k | €38k | ▼ 55.0% |
| Amounts payable within one year42/48 | €103k | €203k | €105k | €121k | €165k | ▲ 36.4% |
| Current portion of amounts payable after more than one year42 | €24k | €23k | €24k | €49k | €47k | ▼ 4.4% |
| Financial debts43 | - | - | - | €208 | €302 | ▲ 45.1% |
| Credit institutions430/8 | - | - | - | €208 | €302 | ▲ 45.1% |
| Trade debts44 | €62k | €103k | €32k | €32k | €16k | ▼ 50.3% |
| Suppliers440/4 | €62k | €103k | €32k | €32k | €16k | ▼ 50.3% |
| Advances received on contracts in progress46 | - | €58k | €0 | - | €11k | - |
| Taxes, remuneration and social security45 | €16k | €18k | €47k | €39k | €44k | ▲ 13.9% |
| Taxes450/3 | €4k | €2k | €15k | €3k | €3k | ▲ 9.6% |
| Remuneration and social security454/9 | €13k | €16k | €32k | €36k | €41k | ▲ 14.2% |
| Other amounts payable47/48 | €800 | €969 | €2k | €2k | €48k | ▲ 2,829% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3k | €43k | €63k | €2k | €2k | ▼ 6.5% |
| + Depreciation and write-downs630 | €31k | €39k | €40k | €39k | €59k | ▲ 49.8% |
| Operating cash flow (approximation) | €34k | €82k | €103k | €42k | €61k | ▲ 46.6% |
| Investment in fixed assets (approximation) | - | €-54k | €-4k | €-166k | €-29k | ▲ 82.4% |
| Change in cash | - | €139k | €53k | €-19k | €-26k | ▼ 37.5% |
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
Next filing, fiscal year 2026, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €63k ▲47.6%
Operating result €89k, net result €63k, both a record.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 32 days late
2020
30-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 17 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 15 days late
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 63 days late
2016
02-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Zwalm · 1 establishment unit since 1976
Ground area
1,999 m²
Building footprint
340 m²
Volume, LiDAR
1,583 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTER IMMO
since 19762.012.142.066
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45046A0274/00G002 | Flanders | 1,049 m² | 1 · 195 m² | 8.7 m · 2 fl. |
| 45046A0201/00L000 | Flanders | 950 m² | 1 · 145 m² | 8.0 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2022 to 2025 · 4 entries · 732 EUR awarded · 732 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 77 EUR | 77 EUR |
| 2024 | 1 | 435 EUR | 435 EUR |
| 2023 | 1 | 70 EUR | 70 EUR |
| 2022 | 1 | 150 EUR | 150 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
4 categoriesINTER-IMMO BV30187
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,420. 5,328 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
Founded23-04-1976
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43990Other specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.