INTER POLES
ActiveSummary
INTER POLES has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €71,431 and a net result of -€6,479. Equity remains stable across the filed fiscal years (±1.7% per year). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
What they do
Agents in non-specialised wholesale trade
NACE 46190NACE 51190
#5 oldest company in Philippeville, Wholesale and retail trade sector1 site
How big
€182,896total assets 2024
- Equity
- €71,431
- Loss
- -€6,479
Turnover not published (abridged schema)
Who decides
Accounts 34 d early0 of 1 deed read
Why 59- Annual accounts: weaker financial profile- Higher-failure-rate sector- Higher-failure-rate region+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2024
Axes · tick = 2023
Profitability14▼-1
Solvency64▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4,000 at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.55 in 2023; short-term debt: 60.6% and cash: 51.8% of total assets), but 60.9% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
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
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 2024Solvency, return and age of the figures
Solvency
39.1%
Return on assets
-3.5%
Age of the figures
21 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 →
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 27-06-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
36 d early
2023
33 d early
2022
35 d early
2021
23 d late
2020
23 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 18 days before the deadline; 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. Usually files around 27 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Annual accounts filedfiscal year 2023 · micro…
Financials
Fiscal year 2024Total assets €182,896Loss -€6,479Solvency 39.1%Liquidity 1.55
Total assets
€182,896▼ 6.2%
2018 - 2024
Net result
-€6,479▼ 26.3%
2018 - 2024
Equity
€71,431▼ 8.3%
2018 - 2024
Solvency
39.1%▼ 0.9pp
2018 - 2024
Financials · fiscal year 2024, micro schema, 2025 accounts filed, figures not processed yet
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€17,454▲ 144%-€22,677€9,411-€4,976-€6,306▼ 26.7%
Net result€13,960within the sector's middle half▲ 180%-€22,868below the sector's middle half€8,377within the sector's middle half-€5,130below the sector's middle half-€6,479below the sector's middle half▼ 26.3%
Equity€97,529within the sector's middle half▲ 16.7%€74,662within the sector's middle half▼ 23.4%€83,039within the sector's middle half▲ 11.2%€77,910within the sector's middle half▼ 6.2%€71,431within the sector's middle half▼ 8.3%
Total assets€180,165within the sector's middle half▲ 23.1%€181,561within the sector's middle half▲ 0.8%€172,996within the sector's middle half▼ 4.7%€194,916within the sector's middle half▲ 12.7%€182,896within the sector's middle half▼ 6.2%
Debt€82,636▲ 31.6%€106,899▲ 29.4%€89,957▼ 15.8%€117,006▲ 30.1%€111,465▼ 4.7%
Working capital€91,820within the sector's middle half▲ 17.6%€64,859within the sector's middle half▼ 29.4%€65,448within the sector's middle half▲ 0.9%€64,297within the sector's middle half▼ 1.8%€61,043within the sector's middle half▼ 5.1%
Solvency54.1%within the sector's middle half▼ 3.0pp41.1%within the sector's middle half▼ 13.0pp48.0%within the sector's middle half▲ 6.9pp40.0%within the sector's middle half▼ 8.0pp39.1%within the sector's middle half▼ 0.9pp
Current ratio2.11within the sector's middle half▼ 0.131.61within the sector's middle half▼ 0.501.73within the sector's middle half▲ 0.121.55within the sector's middle half▼ 0.181.55within the sector's middle half=
Return on assets (ROA)7.7%within the sector's middle half▲ 4.3pp-12.6%below the sector's middle half▼ 20.3pp4.8%within the sector's middle half▲ 17.4pp-2.6%within the sector's middle half▼ 7.5pp-3.5%within the sector's middle half▼ 0.9pp
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 and balance sheet
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6,306 in 2024 against €4,976 in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €182,896
Fixed assets
€10,988 ▼ 19.3%
Current assets
€171,908 ▼ 5.2%
Equity and liabilities €182,896
Equity
€71,431 ▼ 8.3%
Debt
€111,465 ▼ 4.7%
Debt's share of the balance-sheet total rises from 60.0% to 60.9%. Equity and debt are lower.
Key figures and ratios
Key figures and ratios
EBITDA
-€2,402▼
2023 · -€998
Cash flow
-€2,574▼
2023 · -€1,151
Quick ratio
0.96▲
2023 · 0.86
Debt to equity
1.56▲
2023 · 1.50
ROE
-9.1%▼
2023 · -6.6%
Interest coverage
-13.45▼
2023 · -5.82
Debt ≤ 1 year
€110,865▼
2023 · €117,006
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.7%
went bankrupt
8.6%
stopped otherwise
90%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 12,321 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.
Filed annual accounts
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,979 | €3,035 | €2,336 | €3,978 | €3,905 | ▼ 1.9% |
| Other operating charges640/8 | - | €1,897 | €1,865 | €2,133 | €2,179 | ▲ 2.1% |
| Gross operating margin9900 | €21,344 | -€17,745 | €13,611 | €1,135 | -€223 | ▼ 120% |
| Operating profit (loss)9901 | €17,454 | -€22,677 | €9,411 | -€4,976 | -€6,306 | ▼ 26.7% |
| Financial income75/76B | - | €1 | €1 | €18 | €6 | ▼ 66.9% |
| Recurring financial income75 | €12 | €1 | €1 | €18 | €6 | ▼ 66.9% |
| Financial charges65/66B | - | €141 | €196 | €171 | €179 | ▲ 4.1% |
| Recurring financial charges65 | €146 | €141 | €196 | €171 | €179 | ▲ 4.1% |
| Profit (loss) for the period before taxes9903 | €17,320 | -€22,817 | €9,215 | -€5,130 | -€6,479 | ▼ 26.3% |
| Income taxes67/77 | €3,360 | €51 | €838 | - | - | - |
| Profit (loss) for the period9904 | €13,960 | -€22,868 | €8,377 | -€5,130 | -€6,479 | ▼ 26.3% |
| Profit (loss) for the period to be appropriated9905 | €13,960 | -€22,868 | €8,377 | -€5,130 | -€6,479 | ▼ 26.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €180,165 | €181,561 | €172,996 | €194,916 | €182,896 | ▼ 6.2% |
| Fixed assets21/28 | €5,709 | €9,803 | €17,591 | €13,613 | €10,988 | ▼ 19.3% |
| Intangible fixed assets21 | €1,188 | €439 | - | - | - | - |
| Tangible fixed assets22/27 | €3,876 | €8,720 | €16,946 | €12,968 | €10,343 | ▼ 20.2% |
| Plant, machinery and equipment23 | - | €7,202 | €8,040 | €5,862 | €5,037 | ▼ 14.1% |
| Furniture and vehicles24 | - | €1,518 | €8,906 | €7,106 | €5,306 | ▼ 25.3% |
| Financial fixed assets28 | €645 | €645 | €645 | €645 | €645 | = |
| Current assets29/58 | €174,456 | €171,758 | €155,405 | €181,303 | €171,908 | ▼ 5.2% |
| Stocks and contracts in progress3 | €116,004 | €108,186 | €106,938 | €80,717 | €65,288 | ▼ 19.1% |
| Stocks30/36 | - | €108,186 | €106,938 | €80,717 | €65,288 | ▼ 19.1% |
| Amounts receivable within one year40/41 | €13,777 | €13,611 | €6,645 | €35,500 | €6,028 | ▼ 83.0% |
| Trade receivables40 | - | €7,133 | €3,645 | €35,500 | €6,028 | ▼ 83.0% |
| Other amounts receivable41 | - | €6,477 | €3,000 | - | - | - |
| Cash at bank and in hand54/58 | €40,157 | €46,237 | €36,481 | €59,447 | €94,743 | ▲ 59.4% |
| Deferred charges and accrued income490/1 | - | €3,725 | €5,342 | €5,640 | €5,849 | ▲ 3.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €180,165 | €181,561 | €172,996 | €194,916 | €182,896 | ▼ 6.2% |
| Equity10/15 | €97,529 | €74,662 | €83,039 | €77,910 | €71,431 | ▼ 8.3% |
| Contributions10/11 | - | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Capital10 | - | €6,197 | - | - | - | - |
| Issued capital100 | - | €18,592 | - | - | - | - |
| Uncalled capital101 | - | €12,395 | - | - | - | - |
| Reserves13 | €42,710 | €42,710 | €51,087 | €51,087 | €51,087 | = |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €40,851 | €49,228 | €49,228 | €49,228 | = |
| Profit (loss) carried forward14 | €48,622 | €25,755 | €25,755 | €20,625 | €14,146 | ▼ 31.4% |
| Amounts payable17/49 | €82,636 | €106,899 | €89,957 | €117,006 | €111,465 | ▼ 4.7% |
| Amounts payable within one year42/48 | €82,636 | €106,899 | €89,957 | €117,006 | €110,865 | ▼ 5.2% |
| Trade debts44 | €1,266 | €19,845 | €896 | €2,424 | €2,503 | ▲ 3.3% |
| Suppliers440/4 | - | €19,845 | €896 | €2,424 | €2,503 | ▲ 3.3% |
| Taxes, remuneration and social security45 | - | €9,720 | €12,248 | €7,838 | €6,745 | ▼ 13.9% |
| Taxes450/3 | - | €1,559 | €9,193 | €5,302 | €4,178 | ▼ 21.2% |
| Remuneration and social security454/9 | - | €8,161 | €3,055 | €2,536 | €2,567 | ▲ 1.2% |
| Other amounts payable47/48 | - | €77,334 | €76,812 | €106,744 | €101,616 | ▼ 4.8% |
| Accrued charges and deferred income492/3 | - | - | - | - | €600 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €13,960 | -€22,868 | €8,377 | -€5,130 | -€6,479 | ▼ 26.3% |
| + Depreciation and write-downs630 | €1,979 | €3,035 | €2,336 | €3,978 | €3,905 | ▼ 1.9% |
| Operating cash flow (approximation) | €15,939 | -€19,832 | €10,713 | -€1,151 | -€2,574 | ▼ 124% |
| Investment in fixed assets (approximation) | - | -€7,129 | -€10,124 | €0 | -€1,280 | - |
| Change in cash | - | €6,080 | -€9,756 | €22,966 | €35,296 | ▲ 53.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector, comparable size
Alemax
BE 0751.858.480
Brussel · Eq €71,308
BROTHERSS - AH
BE 0790.259.691
Oostrozebeke · Eq €71,603
WHITE TOUCH
BE 0508.687.202
Mons · Eq €71,069
Zuskus
BE 0568.899.951
Deinze · Eq €71,057
PHIMAAI
BE 0809.669.886
Roeselare · Eq €71,847
Of 6,138 companies in this sector we hold annual accounts for 2,575. 1,970 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Timeline
13 eventsLatest 27-06-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €8,377
Net result €8,377 after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet -€22,868
Net result drops to -€22,868, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Highest result since 2018net €13,960 ▲180%
Operating result €17,454, net result €13,960, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Company details
Private limited company · founded 22-04-1992Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded22-04-1992
Fiscal year end31-12
Abbreviation FR
I.P.
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
46711Wholesale of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46720Wholesale of motor vehicle parts and accessories
E-invoicing
Reachable via Peppol
Peppol ID
0208:0448541262
Also
9925:BE0448541262
Registered
08-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Philippeville · 1 establishment unit since 1992
Ground area
294 m²
Building footprint
294 m²
Parcel 93056B0015/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Gendarmerie 21, 5600 Philippeville
since 1992unit no. 2.059.905.163
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93056B0015/00F002 | Wallonia | 294 m² | 1 · 294 m² | - |
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.
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.