Inter Service Agencies
ActiveSummary
Inter Service Agencies has been active since 1978 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €860k and a net result of €153k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-1
Solvency100▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 4.18 against 3.23 in 2024; short-term debt: 22.2% and cash: 36.8% of total assets), and 22.2% of the assets are financed with debt.
Credit check for your own amount and term
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 · 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
Sector 46
higher
← 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
77.8%
Return on assets
13.9%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
28 d late
2021
2 d early
2020
27 d late
2019
34 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€153k▲ 2.3%
2024 · €150k
2019: €-34k
2020: €-27k
2021: €7k
2022: €15k
2023: €-22k
2024: €150k
2019 → 2025
Working capital
€781k▲ 18.2%
2024 · €661k
2019: €507k
2020: €505k
2021: €513k
2022: €550k
2023: €530k
2024: €661k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€564k-€579k▲ 2.6%€557k▼ 3.7%€707k▲ 26.9%€860k▲ 21.7%
Operating result€11k-€20k▲ 78.9%€-19k€153k€184k▲ 20.2%
Net result€7k-€15k▲ 105%€-22k€150k€153k▲ 2.3%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€79k ▲ 72.5%
Current assets
€1.03M ▲ 7.2%
Equity and liabilities €1.11M
Equity
€860k ▲ 21.7%
Debt
€246k ▼ 17.3%
Debt's share of the balance-sheet total falls from 29.6% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€200k▲
2024 · €169k
Cash flow
€169k▲
2024 · €165k
Current ratio
4.18▲
2024 · 3.23
Quick ratio
2.22▲
2024 · 1.28
Debt to equity
0.29▼
2024 · 0.42
ROE
17.8%▼
2024 · 21.2%
ROA
13.9%▼
2024 · 14.9%
Interest coverage
21.93▼
2024 · 40.16
Debt ≤ 1 year
€246k▼
2024 · €297k
Income taxes
€24k
Staff costs
€44k▼
2024 · €52k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.00M€1.11M▲
Fixed assets21/28€46k€79k▲
Intangible fixed assets21€40k€29k▼
Tangible fixed assets22/27€6k€50k▲
Furniture and vehicles24€6k€50k▲
Current assets29/58€958k€1.03M▲
Stocks and contracts in progress3€578k€481k▼
Stocks30/36€578k€481k▼
Amounts receivable within one year40/41€110k€138k▲
Trade receivables40€83k€101k▲
Other amounts receivable41€27k€38k▲
Cash at bank and in hand54/58€270k€407k▲
Deferred charges and accrued income490/1€236-
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.11M▲
Equity10/15€707k€860k▲
Contributions10/11€32k€32k=
Reserves13€575k€728k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€50k€50k=
Distributable reserves133€522k€675k▲
Profit (loss) carried forward14€100k€100k=
Amounts payable17/49€297k€246k▼
Amounts payable within one year42/48€297k€246k▼
Trade debts44€234k€67k▼
Suppliers440/4€234k€67k▼
Taxes, remuneration and social security45€2k€20k▲
Taxes450/3€980€18k▲
Remuneration and social security454/9€523€2k▲
Other amounts payable47/48€62k€159k▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€52k€44k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€223k€244k▲
Operating profit (loss)9901€153k€184k▲
Financial income75/76B€538€2k▲
Recurring financial income75€538€2k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€150k€177k▲
Income taxes67/77-€24k
Profit (loss) for the period9904€150k€153k▲
Profit (loss) for the period to be appropriated9905€150k€153k▲
Appropriation of the result
Profit (loss) to be appropriated9906€100k€253k▲
Profit (loss) brought forward from the previous period14P€-50k€100k▲
Transfer to equity691/2-€153k
To other reserves6921-€153k
The notes to these accounts (13 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
31-03
Financial
Highest result since 2019net €153k ▲2.3%
Operating result €184k, net result €153k, both a record.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €150k
Net result €150k after one loss-making year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-10
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.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Etterbeek · 1 establishment unit since 1978
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.
Sint-Pieterssteenweg 3871040 EtterbeekGround area
287 m²
Building footprint
276 m²
Volume, LiDAR
1,728 m³
Parcel 21362B0225/00L004, Brussels · tallest building 16.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Inter Service Agencies HQ
since 19782.014.910.229
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21362B0225/00L004 | Brussels | 287 m² | 1 · 276 m² | 16.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
SOOVAGE Invest
BE 0425.329.855
Brussel · Eq €860k
HERTH + BUSS BELGIUM
BE 0809.641.875
Ciney · Eq €859k
CB CLASSIC CARS
BE 0439.583.610
Knokke-Heist · Eq €865k
B.P.R. CAR SERVICES
BE 0441.008.025
Perwez · Eq €854k
ETABLISSEMENTS JAMOULLE
BE 0424.823.178
Awans · Eq €850k
Of 1,746 companies in sector 46720 we hold annual accounts for 1,084. 774 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-05-1978
Fiscal year end31-03
Abbreviation FR
I.S.A.
Activities, NACEBEL 2025
46720Wholesale of motor vehicle parts and accessories
47820Retail sale of motor vehicle parts and accessories
63100Computing infrastructure, data processing, hosting and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.