INTER-O-MAT
ActiveSummary
INTER-O-MAT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €182,470 and a net result of €5,807. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 84% of 11472 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability72▼-8
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16,000 at 30 days acceptable
Liquidity ample (current ratio 6.58 against 6.93 in 2024; short-term debt: 13.7% and cash: 73.6% of total assets), and 15.7% 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
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
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
84.3%
Return on assets
2.7%
Age of the figures
9 mo
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 →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €182,470
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
31 d early
2023
25 d late
2022
24 d late
2021
31 d late
2020
31 d late
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€182,470▲ 3.3%
2024 · €176,663
Total assets
€216,574▲ 2.6%
2024 · €210,984
Net result
€5,807▼ 70.2%
2024 · €19,460
Working capital
€165,343▲ 5.3%
2024 · €156,958
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€15,009▲ 102%-€3,064€2,886€27,138▲ 840%€8,056▼ 70.3%
Net result€9,654within the sector's middle half▲ 88.4%-€3,337below the sector's middle half€1,018within the sector's middle half€19,460within the sector's middle half▲ 1,811%€5,807within the sector's middle half▼ 70.2%
Equity€159,522above the sector's middle half▲ 6.4%€156,185within the sector's middle half▼ 2.1%€157,203within the sector's middle half▲ 0.7%€176,663above the sector's middle half▲ 12.4%€182,470above the sector's middle half▲ 3.3%
Total assets€206,626within the sector's middle half▲ 1.6%€187,840within the sector's middle half▼ 9.1%€181,011within the sector's middle half▼ 3.6%€210,984within the sector's middle half▲ 16.6%€216,574within the sector's middle half▲ 2.6%
Debt€47,105▼ 11.9%€31,655▼ 32.8%€23,808▼ 24.8%€34,321▲ 44.2%€34,104▼ 0.6%
Working capital€131,064▲ 14.4%€151,537▲ 15.6%€157,121▲ 3.7%€156,958▼ 0.1%€165,343▲ 5.3%
Solvency77.2%above the sector's middle half▲ 3.5pp83.1%above the sector's middle half▲ 5.9pp86.8%above the sector's middle half▲ 3.7pp83.7%above the sector's middle half▼ 3.1pp84.3%above the sector's middle half▲ 0.5pp
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.
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 70% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216,574
Fixed assets
€21,584 ▼ 21.7%
Current assets
€194,991 ▲ 6.3%
Equity and liabilities €216,574
Equity
€182,470 ▲ 3.3%
Debt
€34,104 ▼ 0.6%
Debt's share of the balance-sheet total falls from 16.3% to 15.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16,839▼
2024 · €33,898
Cash flow
€14,591▼
2024 · €26,221
Current ratio
6.58▼
2024 · 6.93
Debt to equity
0.19▼
2024 · 0.19
ROE
3.2%▼
2024 · 11.0%
ROA
2.7%▼
2024 · 9.2%
Interest coverage
41.71▲
2024 · 36.21
Debt ≤ 1 year
€29,648▲
2024 · €26,459
Debt > 1 year
€4,456▼
2024 · €7,862
Income taxes
€4,566▼
2024 · €8,566
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 16,986 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
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 bankruptcy probability of 0.4% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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 16,986 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €15,702 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,220 | €5,976 | €5,114 | €6,760 | €8,784 | ▲ 29.9% |
| Other operating charges640/8 | €1,099 | €1,129 | €1,502 | €1,614 | €1,406 | ▼ 12.9% |
| Non-recurring operating charges66A | - | €8,839 | - | - | - | - |
| Gross operating margin9900 | €26,329 | €12,880 | €9,502 | €35,513 | €18,245 | ▼ 48.6% |
| Operating profit (loss)9901 | €15,009 | -€3,064 | €2,886 | €27,138 | €8,056 | ▼ 70.3% |
| Financial income75/76B | €513 | €454 | €350 | €1,824 | €2,722 | ▲ 49.2% |
| Recurring financial income75 | €513 | €454 | €350 | €1,824 | €2,722 | ▲ 49.2% |
| Financial charges65/66B | €271 | €322 | €152 | €936 | €404 | ▼ 56.9% |
| Recurring financial charges65 | €271 | €322 | €152 | €936 | €404 | ▼ 56.9% |
| Profit (loss) for the period before taxes9903 | €15,251 | -€2,932 | €3,085 | €28,026 | €10,373 | ▼ 63.0% |
| Income taxes67/77 | €5,598 | €405 | €2,067 | €8,566 | €4,566 | ▼ 46.7% |
| Profit (loss) for the period9904 | €9,654 | -€3,337 | €1,018 | €19,460 | €5,807 | ▼ 70.2% |
| Profit (loss) for the period to be appropriated9905 | €9,654 | -€3,337 | €1,018 | €19,460 | €5,807 | ▼ 70.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €206,626 | €187,840 | €181,011 | €210,984 | €216,574 | ▲ 2.6% |
| Fixed assets21/28 | €32,274 | €5,196 | €82 | €27,568 | €21,584 | ▼ 21.7% |
| Tangible fixed assets22/27 | €32,193 | €5,114 | - | €27,486 | €21,502 | ▼ 21.8% |
| Plant, machinery and equipment23 | €862 | - | - | - | €2,578 | - |
| Furniture and vehicles24 | €31,331 | €5,114 | - | €27,486 | €18,924 | ▼ 31.1% |
| Financial fixed assets28 | €82 | €82 | €82 | €82 | €82 | = |
| Current assets29/58 | €174,352 | €182,644 | €180,929 | €183,417 | €194,991 | ▲ 6.3% |
| Stocks and contracts in progress3 | €876 | €1,048 | €494 | - | - | - |
| Stocks30/36 | €876 | €1,048 | €494 | - | - | - |
| Amounts receivable within one year40/41 | €25,039 | €26,446 | €30,981 | €29,028 | €35,329 | ▲ 21.7% |
| Trade receivables40 | €25,039 | €26,446 | €30,981 | €29,028 | €29,301 | ▲ 0.9% |
| Other amounts receivable41 | - | - | - | - | €6,027 | - |
| Cash at bank and in hand54/58 | €148,292 | €154,989 | €149,275 | €154,204 | €159,471 | ▲ 3.4% |
| Deferred charges and accrued income490/1 | €144 | €160 | €178 | €185 | €191 | ▲ 3.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €206,626 | €187,840 | €181,011 | €210,984 | €216,574 | ▲ 2.6% |
| Equity10/15 | €159,522 | €156,185 | €157,203 | €176,663 | €182,470 | ▲ 3.3% |
| Contributions10/11 | €13,634 | €13,634 | €13,634 | €13,634 | €13,634 | = |
| Reserves13 | €145,888 | €142,551 | €143,569 | €163,029 | €168,836 | ▲ 3.6% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | - | - | - | - |
| Distributable reserves133 | €144,028 | €140,691 | €143,569 | €163,029 | €168,836 | ▲ 3.6% |
| Amounts payable17/49 | €47,105 | €31,655 | €23,808 | €34,321 | €34,104 | ▼ 0.6% |
| Amounts payable after more than one year17 | €3,816 | €548 | - | €7,862 | €4,456 | ▼ 43.3% |
| Financial debts170/4 | €3,816 | €548 | - | €7,862 | €4,456 | ▼ 43.3% |
| Amounts payable within one year42/48 | €43,288 | €31,107 | €23,808 | €26,459 | €29,648 | ▲ 12.1% |
| Current portion of amounts payable after more than one year42 | €3,231 | €3,268 | €548 | €3,271 | €3,406 | ▲ 4.1% |
| Trade debts44 | €8,100 | €5,166 | €11,612 | €8,905 | €11,986 | ▲ 34.6% |
| Suppliers440/4 | €8,100 | €5,166 | €11,612 | €8,905 | €11,986 | ▲ 34.6% |
| Taxes, remuneration and social security45 | €12,553 | €8,794 | €5,171 | €13,619 | €14,257 | ▲ 4.7% |
| Taxes450/3 | €12,553 | €8,794 | €5,171 | €13,619 | €14,257 | ▲ 4.7% |
| Other amounts payable47/48 | €19,404 | €13,878 | €6,477 | €665 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,654 | -€3,337 | €1,018 | €19,460 | €5,807 | ▼ 70.2% |
| + Depreciation and write-downs630 | €10,220 | €5,976 | €5,114 | €6,760 | €8,784 | ▲ 29.9% |
| Operating cash flow (approximation) | €19,873 | €2,639 | €6,132 | €26,221 | €14,591 | ▼ 44.4% |
| Investment in fixed assets (approximation) | - | €21,103 | €0 | -€34,246 | -€2,800 | ▲ 91.8% |
| Change in cash | - | €6,697 | -€5,713 | €4,928 | €5,267 | ▲ 6.9% |
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €19,460 ▲1,811%
Operating result €27,138, net result €19,460, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Back to profitnet €1,018
Net result €1,018 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150,000Eq €159,522 ▲6.4%
2 profitable years in a row build equity to €159,522.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €5,124
Net result €5,124 after 2 loss-making years.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Gent · 1 establishment unit since 1988
Ground area
200 m²
Building footprint
200 m²
Volume, LiDAR
1,515 m³
Parcel 44017C0584/00H002, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BVBA
since 19882.037.398.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C0584/00H002 | Flanders | 200 m² | 1 · 200 m² | 9.8 m · 3 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.
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Of 71 companies in sector 46648 we hold annual accounts for 51. 37 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
Founded23-03-1988
Fiscal year end31-12
Activities, NACEBEL 2025
46648Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0433669281
Also
9925:BE0433669281
Registered
18-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.