INTER VP
ActiveSummary
INTER VP has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19,119 and a net result of -€5,405. Equity is shrinking by ~6% per year across the filed fiscal years. Its solvency ranks better than 34% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▼-1
Solvency40▼-6
Growth46=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.59 in 2024; short-term debt: 84.7% and cash: 33.1% of total assets), and 84.7% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
15.3%
Return on assets
-4.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5,405
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
70 d late
2023
545 d late
2022
253 d late
2021
144 d late
2020
1037 d late
2019
1402 d late
← 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 492 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€50,496▼ 42.4%
2021 · €87,621
EBIT margin
12.7%▲ 1.3pp
2021 · 11.4%
Net result
-€5,405▼ 13.5%
2024 · -€4,763
Working capital
-€33,858▲ 12.4%
2024 · -€38,643
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail 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
Turnover€87,621▲ 36.0%€50,496▼ 42.4%
Operating result€9,992€6,430▼ 35.6%€2,921▼ 54.6%-€3,628-€4,957▼ 36.6%
Net result€11,589within the sector's middle half-€1,566below the sector's middle half€2,473within the sector's middle half-€4,763below the sector's middle half-€5,405below the sector's middle half▼ 13.5%
EBIT margin11.4%▲ 32.1pp12.7%▲ 1.3pp
Equity€26,948below the sector's middle half▲ 75.5%€25,382below the sector's middle half▼ 5.8%€29,287within the sector's middle half▲ 15.4%€24,524within the sector's middle half▼ 16.3%€19,119within the sector's middle half▼ 22.0%
Total assets€135,631below the sector's middle half▲ 4.0%€117,648below the sector's middle half▼ 13.3%€134,489within the sector's middle half▲ 14.3%€117,795within the sector's middle half▼ 12.4%€124,599within the sector's middle half▲ 5.8%
Debt€108,682▼ 5.6%€92,265▼ 15.1%€105,202▲ 14.0%€93,271▼ 11.3%€105,480▲ 13.1%
Working capital-€33,863below the sector's middle half▲ 44.7%-€31,087below the sector's middle half▲ 8.2%-€28,348below the sector's middle half▲ 8.8%-€38,643below the sector's middle half▼ 36.3%-€33,858below the sector's middle half▲ 12.4%
Solvency19.9%within the sector's middle half▲ 8.1pp21.6%within the sector's middle half▲ 1.7pp21.8%within the sector's middle half▲ 0.2pp20.8%within the sector's middle half▼ 1.0pp15.3%within the sector's middle half▼ 5.5pp
Current ratio0.69below the sector's middle half▲ 0.220.66below the sector's middle half▼ 0.030.73below the sector's middle half▲ 0.070.59below the sector's middle half▼ 0.140.68below the sector's middle half▲ 0.09
Return on assets (ROA)8.5%within the sector's middle half▲ 18.8pp-1.3%below the sector's middle half▼ 9.9pp1.8%within the sector's middle half▲ 3.2pp-4.0%below the sector's middle half▼ 5.9pp-4.3%below the sector's middle half▼ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4,957 in 2025 against €3,628 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124,599
Fixed assets
€52,977 ▼ 16.1%
Current assets
€71,622 ▲ 31.1%
Equity and liabilities €124,599
Equity
€19,119 ▼ 22.0%
Debt
€105,480 ▲ 13.1%
Debt's share of the balance-sheet total rises from 79.2% to 84.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5,234▼
2024 · €7,119
Cash flow
€4,785▼
2024 · €5,983
Debt to equity
5.52▲
2024 · 3.80
ROE
-28.3%▼
2024 · -19.4%
Interest coverage
11.66▼
2024 · 12.39
Debt ≤ 1 year
€105,480▲
2024 · €93,271
Income taxes
€0▼
2024 · €561
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,166 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
2.2%
went bankrupt
3.0%
stopped otherwise
94%
still going
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,662 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% | 1.7% |
| 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 75% 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 2,166 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €87,621 | €50,496 | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €60,956 | €38,005 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15,817 | €4,520 | €5,180 | €10,746 | €10,190 | ▼ 5.2% |
| Other operating charges640/8 | €855 | €1,540 | €1,477 | €2,290 | €4,784 | ▲ 109% |
| Gross operating margin9900 | €26,665 | €12,491 | €9,578 | €9,409 | €10,018 | ▲ 6.5% |
| Operating profit (loss)9901 | €9,992 | €6,430 | €2,921 | -€3,628 | -€4,957 | ▼ 36.6% |
| Financial income75/76B | €2,319 | - | - | - | €0 | - |
| Recurring financial income75 | €2,319 | - | - | - | €0 | - |
| Non-recurring financial income76B | €2,319 | - | - | - | - | - |
| Financial charges65/66B | €722 | €1,310 | €448 | €575 | €449 | ▼ 21.9% |
| Recurring financial charges65 | €722 | €594 | €448 | €575 | €449 | ▼ 21.9% |
| Non-recurring financial charges66B | €722 | €716 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €11,589 | €5,120 | €2,473 | -€4,202 | -€5,405 | ▼ 28.6% |
| Income taxes67/77 | - | €6,687 | - | €561 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €11,589 | -€1,566 | €2,473 | -€4,763 | -€5,405 | ▼ 13.5% |
| Profit (loss) for the period to be appropriated9905 | €11,589 | -€1,566 | €2,473 | -€4,763 | -€5,405 | ▼ 13.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €135,631 | €117,648 | €134,489 | €117,795 | €124,599 | ▲ 5.8% |
| Fixed assets21/28 | €60,811 | €56,470 | €57,635 | €63,167 | €52,977 | ▼ 16.1% |
| Tangible fixed assets22/27 | €60,811 | €56,470 | €57,635 | €63,167 | €52,977 | ▼ 16.1% |
| Plant, machinery and equipment23 | €59,099 | €55,670 | €55,727 | €51,316 | €46,937 | ▼ 8.5% |
| Furniture and vehicles24 | €1,200 | €800 | €1,499 | €11,852 | €6,040 | ▼ 49.0% |
| Other tangible fixed assets26 | €512 | - | €409 | €0 | - | - |
| Current assets29/58 | €74,820 | €61,178 | €76,854 | €54,628 | €71,622 | ▲ 31.1% |
| Stocks and contracts in progress3 | €90 | €90 | €90 | €0 | - | - |
| Stocks30/36 | €90 | €90 | €90 | €0 | - | - |
| Amounts receivable within one year40/41 | €24,381 | €26,408 | €24,355 | €26,267 | €29,590 | ▲ 12.6% |
| Trade receivables40 | €17,670 | €26,400 | €17,577 | €15,234 | €29,262 | ▲ 92.1% |
| Other amounts receivable41 | €6,711 | €7 | €6,778 | €11,034 | €327 | ▼ 97.0% |
| Cash at bank and in hand54/58 | €49,749 | €34,081 | €48,084 | €27,761 | €41,186 | ▲ 48.4% |
| Deferred charges and accrued income490/1 | €600 | €600 | €4,325 | €599 | €846 | ▲ 41.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €135,631 | €117,648 | €134,489 | €117,795 | €124,599 | ▲ 5.8% |
| Equity10/15 | €26,948 | €25,382 | €29,287 | €24,524 | €19,119 | ▼ 22.0% |
| Contributions10/11 | €66,300 | €66,300 | €66,300 | €66,300 | €66,300 | = |
| Capital10 | €66,300 | €66,300 | - | - | - | - |
| Issued capital100 | €66,300 | €66,300 | - | - | - | - |
| Reserves13 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Non-distributable reserves130/1 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Legal reserve130 | €5,000 | €5,000 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €5,000 | €5,000 | = |
| Other1319 | - | - | €5,000 | - | - | - |
| Profit (loss) carried forward14 | -€44,352 | -€45,918 | -€42,013 | -€46,776 | -€52,181 | ▼ 11.6% |
| Amounts payable17/49 | €108,682 | €92,265 | €105,202 | €93,271 | €105,480 | ▲ 13.1% |
| Amounts payable within one year42/48 | €108,682 | €92,265 | €105,202 | €93,271 | €105,480 | ▲ 13.1% |
| Trade debts44 | €16,547 | €4,023 | €7,303 | €0 | €7,714 | - |
| Suppliers440/4 | €16,547 | €4,023 | €7,303 | €0 | €7,714 | - |
| Advances received on contracts in progress46 | €3,000 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Taxes, remuneration and social security45 | €25,879 | €21,987 | €25,537 | €904 | €73 | ▼ 91.9% |
| Taxes450/3 | €342 | - | - | €904 | €73 | ▼ 91.9% |
| Remuneration and social security454/9 | €25,537 | €21,987 | €25,537 | €0 | - | - |
| Other amounts payable47/48 | €63,256 | €63,256 | €69,362 | €89,367 | €94,693 | ▲ 6.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,589 | -€1,566 | €2,473 | -€4,763 | -€5,405 | ▼ 13.5% |
| + Depreciation and write-downs630 | €15,817 | €4,520 | €5,180 | €10,746 | €10,190 | ▼ 5.2% |
| Operating cash flow (approximation) | €27,407 | €2,954 | €7,653 | €5,983 | €4,785 | ▼ 20.0% |
| Investment in fixed assets (approximation) | - | -€179 | -€6,345 | -€16,278 | €0 | ▲ 100% |
| Change in cash | - | -€15,668 | €14,003 | -€20,323 | €13,425 | ▲ 166% |
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 545 days late
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
02-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 1037 days late
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 1402 days late
09-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 253 days late
2023
31-12
Financial
Back to profitnet €2,473
Net result €2,473 after one loss-making year.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 144 days late
2021
31-12
Financial
Back to profitnet €11,589
Net result €11,589 after 3 loss-making years.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 190 days late
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 164 days late
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.
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Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 1 establishment unit since 2007
Ground area
472 m²
Building footprint
61 m²
Volume, LiDAR
608 m³
Parcel 56033A0645/00P004, Wallonia · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTER VP
since 20072.162.648.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0645/00P004 | Wallonia | 472 m² | 1 · 61 m² | 13.7 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 10,664 companies in sector 47811 we hold annual accounts for 5,226. 2,646 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
Founded18-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47811Retail sale of cars and light vans (up to 3.5 tonnes)
Contact
Phone
0498/543677La Louvière
E-invoicing
Reachable via Peppol
Peppol ID
0208:0886546049
Also
9925:BE0886546049
Registered
03-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.