INTER M CONCEPT
ActiveThe computed 12-month bankruptcy probability of INTER M CONCEPT is 5.1% (elevated). The 2025 annual accounts show negative equity (€-8k) and a net result of €-3k. Equity is shrinking by ~70.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 27450 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
13
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
5.1%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Age of the figures
Age of the figures
9 mo
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 →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
21232425
2021 to 2025 · latest year €-8k
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
64 d late
2021
96 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
€-8k▼ 79.4%
2024 · €-4k
2021: €2k
2023: €-2k
2024: €-4k
2021 → 2025
Total assets
€2k▼ 14.9%
2024 · €2k
2021: €4k
2023: €2k
2024: €2k
2021 → 2025
Net result
€-3k▼ 58.9%
2024 · €-2k
2021: €-161
2023: €-4k
2024: €-2k
2021 → 2025
Working capital
€-8k▼ 79.4%
2024 · €-4k
2021: €2k
2023: €-2k
2024: €-4k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202320242025Trend
Equity€2k-€-2k€-4k▼ 99.8%€-8k▼ 79.4%
Operating result€-7-€-4k▼ 61,698%€-2k▲ 49.4%€-3k▼ 60.4%
Net result€-161-€-4k▼ 2,568%€-2k▲ 50.2%€-3k▼ 58.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Key figures and ratios
Debt
€9k▲
2024 · €6k
Debt ≤ 1 year
€9k▲
2024 · €6k
Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.
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€2k€2k▼
Current assets29/58€2k€2k▼
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€0€0=
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€6-
Equity and liabilities
Total equity and liabilities10/49€2k€2k▼
Equity10/15€-4k€-8k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-6k€-10k▼
Amounts payable17/49€6k€9k▲
Amounts payable within one year42/48€6k€9k▲
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€170€2k▲
Taxes450/3€170€2k▲
Other amounts payable47/48€409€595▲
Income statement
Code20242025
Other operating charges640/8-€370
Gross operating margin9900€-2k€-3k▼
Operating profit (loss)9901€-2k€-3k▼
Financial charges65/66B€20-
Recurring financial charges65€20-
Profit (loss) for the period before taxes9903€-2k€-3k▼
Profit (loss) for the period9904€-2k€-3k▼
Profit (loss) for the period to be appropriated9905€-2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-10k▼
Profit (loss) brought forward from the previous period14P€-4k€-6k▼
The notes to these accounts (1 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
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 64 days late
2023
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2022
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 96 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, Maasmechelen · 1 establishment unit since 2020
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.
Kruindersweg(E) 363630 MaasmechelenGround area
708 m²
Building footprint
249 m²
Volume, LiDAR
1,279 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTER M CONCEPT
since 20202.307.125.501
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73013D0015/00A000 | Flanders | 537 m² | 1 · 114 m² | 10.4 m · 2 fl. |
| 73013D0653/00A000 | Flanders | 171 m² | 1 · 135 m² | 9.0 m · 1 fl. |
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
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BE 0676.928.455
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BE 0777.456.780
Pont-à-Celles · Eq €2k
STEW
BE 0732.789.765
Heist-op-den-Berg · Eq €2k
A Reno
BE 0632.895.306
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TTI Toitures Construct
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Of 4,095 companies in sector 43240 we hold annual accounts for 1,631. 270 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2020
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43120Site preparation
43350Other building finishing work
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.