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INTER M

Active
Public limited companyfounded 199630 yrs activeKapelsesteenweg 292, 2930 Brasschaat, BelgiumKBO/BCE: BE 0458.034.493
Summary

INTER M has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.0m and a net result of -€2,853. Equity remains stable across the filed fiscal years (±0.1% per year). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability37=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150,000 at 30 days acceptable
Liquidity ample (current ratio 32.52 against 35.45 in 2023; short-term debt: 1.7% of total assets), and 1.7% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 30 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 2024
Solvency, return and age of the figures
Solvency
98.3%
Return on assets
-0.1%
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 29-09-2025, 60 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 filings
Deviation from the deadline
2025
not confirmed
2024
60 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
116 d late
2019
47 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 52 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 15 May 1996, INTER M was incorporated.1 Total assets went from EUR 2 million in 2018 to EUR 2 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, abbreviated schema

Equity
€2.0m▼ 0.1%
2023 · €2.0m
Total assets
€2.0m=
2023 · €2.0m
Net result
-€2,853▼ 61.6%
2023 · -€1,765
Working capital
€1.1m▼ 0.3%
2023 · €1.1m
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€3,589▲ 20.4%-€3,270▲ 8.9%-€2,418▲ 26.1%-€1,765▲ 27.0%-€2,853▼ 61.6%
Net result-€27-€3,270▼ 12,101%-€2,418▲ 26.1%-€1,765▲ 27.0%-€2,853▼ 61.6%
Equity€2.0m=€2.0m▼ 0.2%€2.0m▼ 0.1%€2.0m▼ 0.1%€2.0m▼ 0.1%
Total assets€2.0m▲ 0.2%€2.0m=€2.0m=€2.0m=€2.0m=
Debt€24,193▲ 21.0%€27,463▲ 13.5%€29,881▲ 8.8%€31,647▲ 5.9%€34,500▲ 9.0%
Working capital€1.1m=€1.1m▼ 0.3%€1.1m▼ 0.2%€1.1m▼ 0.2%€1.1m▼ 0.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2020: -€3,589-€3,589Net result 2020: -€27-€27Operating result 2021: -€3,270-€3,270Net result 2021: -€3,270-€3,270Operating result 2022: -€2,418-€2,418Net result 2022: -€2,418-€2,418Operating result 2023: -€1,765-€1,765Net result 2023: -€1,765-€1,765Operating result 2024: -€2,853-€2,853Net result 2024: -€2,853-€2,85320202021202220232024-€3,000-€2,000-€1,000€0Operating result 2022: -€2,418-€2,420Net result 2022: -€2,418-€2,420Operating result 2023: -€1,765-€1,770Net result 2023: -€1,765-€1,770Operating result 2024: -€2,853-€2,850Net result 2024: -€2,853-€2,850202220232024
The operating result stays negative: a loss of €2,853 in 2024 against €1,765 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.0m
Fixed assets €918,701 =
Current assets €1.1m =
Equity and liabilities €2.0m
Equity €2.0m ▼ 0.1%
Debt €34,500 ▲ 9.0%
Debt's share of the balance-sheet total rises from 1.6% to 1.7%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
Current ratio
32.52▼
2023 · 35.45
Debt to equity
0.02▲
2023 · 0.02
ROE
-0.1%▼
2023 · -0.1%
ROA
-0.1%▼
2023 · -0.1%
Debt ≤ 1 year
€34,500▲
2023 · €31,647
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 8,594 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.4% went bankrupt
5.2% stopped otherwise
94% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 8,594 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
Filed annual accounts As filed with the NBB · 2024 against 2023 · 25 lines
Balance sheet Code20232024
Assets
Total assets20/58€2.0m€2.0m=
Fixed assets21/28€918,701€918,701=
Financial fixed assets28€918,701€918,701=
Current assets29/58€1.1m€1.1m=
Amounts receivable within one year40/41€1.1m€1.1m=
Other amounts receivable41€1.1m€1.1m=
Equity and liabilities
Total equity and liabilities10/49€2.0m€2.0m=
Equity10/15€2.0m€2.0m▼
Contributions10/11€30,987€30,987=
Outside capital11€30,987€30,987=
Other1109/19€30,987€30,987=
Profit (loss) carried forward14€2.0m€2.0m▼
Amounts payable17/49€31,647€34,500▲
Amounts payable within one year42/48€31,647€34,500▲
Trade debts44€2,276€0▼
Suppliers440/4€2,276€0▼
Other amounts payable47/48€29,371€34,500▲
Income statement Code20232024
Other operating charges640/8€0-
Gross operating margin9900-€1,765-€2,853▼
Operating profit (loss)9901-€1,765-€2,853▼
Profit (loss) for the period before taxes9903-€1,765-€2,853▼
Profit (loss) for the period9904-€1,765-€2,853▼
Profit (loss) for the period to be appropriated9905-€1,765-€2,853▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.0m€2.0m▼
Profit (loss) brought forward from the previous period14P€2.0m€2.0m▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Other operating charges640/8--€102€0--
Gross operating margin9900-€3,589-€3,270-€2,316-€1,765-€2,853▼ 61.6%
Operating profit (loss)9901-€3,589-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Recurring financial income75€4,175-----
Recurring financial charges65€613-----
Profit (loss) for the period before taxes9903-€27-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Profit (loss) for the period9904-€27-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Profit (loss) for the period to be appropriated9905-€27-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Line20202021202220232024Change
Assets
Total assets20/58€2.0m€2.0m€2.0m€2.0m€2.0m=
Fixed assets21/28€918,701€918,701€918,701€918,701€918,701=
Financial fixed assets28€918,701€918,701€918,701€918,701€918,701=
Current assets29/58€1.1m€1.1m€1.1m€1.1m€1.1m=
Amounts receivable within one year40/41€1.1m€1.1m€1.1m€1.1m€1.1m=
Other amounts receivable41-€1.1m€1.1m€1.1m€1.1m=
Equity and liabilities
Total equity and liabilities10/49€2.0m€2.0m€2.0m€2.0m€2.0m=
Equity10/15€2.0m€2.0m€2.0m€2.0m€2.0m▼ 0.1%
Contributions10/11€30,987€30,987€30,987€30,987€30,987=
Capital10-€30,987€30,987---
Issued capital100-€61,973€61,973---
Uncalled capital101-€30,987€30,987---
Outside capital11---€30,987€30,987=
Other1109/19---€30,987€30,987=
Profit (loss) carried forward14€2.0m€2.0m€2.0m€2.0m€2.0m▼ 0.1%
Amounts payable17/49€24,193€27,463€29,881€31,647€34,500▲ 9.0%
Amounts payable within one year42/48€24,193€27,463€29,881€31,647€34,500▲ 9.0%
Trade debts44€581€839€510€2,276€0▼ 100%
Suppliers440/4-€839€510€2,276€0▼ 100%
Other amounts payable47/48-€26,624€29,371€29,371€34,500▲ 17.5%
Line20202021202220232024Change
Profit (loss) for the period9904-€27-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Operating cash flow (approximation)-€27-€3,270-€2,418-€1,765-€2,853▼ 61.6%
Investment in fixed assets (approximation)-€0€0€0€0-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
30-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
24-11
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 116 days late
2020
16-09
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 47 days late
2019
31-12
Financial Back to profitnet €1.1m
Net result €1.1m after one loss-making year.
31-12
Financial Equity above €2mEq €2.0m ▲145%
Equity rises from €824,590 to €2.0m.
26-11
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 118 days late
2018
28-09
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
28-09
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 59 days late
2016
30-08
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
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, Brasschaat · 1 establishment unit since 1998
seat establishment The establishment unit on the map
Ground area
2,400 m²
Building footprint
126 m²
Volume, LiDAR
727 m³
Parcel 11322E0001/00H003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
86 companies at this address See who is registered here
1 establishment unit
Kapelsesteenweg 292, 2930 Brasschaat
Insurance, reinsurance and pension funding, except compulsory social security
since 19982.086.560.169
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11322E0001/00H003 Flanders 2,400 m² 1 · 126 m² 8.0 m · 2 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.

Identification & contact

Identification
Legal formPublic limited company
Founded15-05-1996
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.