Summary
INTERACTION is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €178,299 and a net result of €26,463. Equity is growing by about 3.6% per year across the filed financial years. Its solvency ranks better than 34% of 6,648 sector peers (NACE 64, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
In the rankings
#4 oldest company in Diest, Finance and insurance sector
Equity
€178,299▲ 17.4%
2024 · €151,836
Net result
€26,463▲ 144%
2024 · €10,827
Total assets
€535,836▼ 12.1%
2024 · €609,793
Solvency
33.3%▲ 8.4pp
2024 · 24.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€35,473
2025
Net result€26,463
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€535,836
2025
Equity€178,299
2025
Debt€357,536
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€170,007
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)4.9%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency33.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.27
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€21,489-€22,348▲ 4.0%€15,069▼ 32.6%€10,919▼ 27.5%€26,969▲ 147%€23,600▼ 12.5%€31,641▲ 34.1%€35,473▲ 12.1%
Net result€1,219-€4,483▲ 268%€3,798within the sector's middle half▼ 15.3%-€1,091below the sector's middle half€2,395below the sector's middle half€8,808within the sector's middle half▲ 268%€10,827within the sector's middle half▲ 22.9%€26,463within the sector's middle half▲ 144%
Equity€122,615-€127,098▲ 3.7%€130,897within the sector's middle half▲ 3.0%€129,805within the sector's middle half▼ 0.8%€132,201within the sector's middle half▲ 1.8%€141,009within the sector's middle half▲ 6.7%€151,836within the sector's middle half▲ 7.7%€178,299within the sector's middle half▲ 17.4%
Total assets€927,457-€852,130▼ 8.1%€993,948above the sector's middle half▲ 16.6%€601,264within the sector's middle half▼ 39.5%€537,542within the sector's middle half▼ 10.6%€589,087within the sector's middle half▲ 9.6%€609,793within the sector's middle half▲ 3.5%€535,836below the sector's middle half▼ 12.1%
Debt€804,842-€725,032▼ 9.9%€863,051▲ 19.0%€471,459▼ 45.4%€405,341▼ 14.0%€448,078▲ 10.5%€457,957▲ 2.2%€357,536▼ 21.9%
Working capital-€61,196--€64,546▼ 5.5%-€66,417below the sector's middle half▼ 2.9%-€59,733below the sector's middle half▲ 10.1%-€85,314below the sector's middle half▼ 42.8%-€169,787below the sector's middle half▼ 99.0%-€165,510below the sector's middle half▲ 2.5%-€170,007within the sector's middle half▼ 2.7%
Solvency13.2%-14.9%▲ 1.7pp13.2%below the sector's middle half▼ 1.7pp21.6%below the sector's middle half▲ 8.4pp24.6%within the sector's middle half▲ 3.0pp23.9%within the sector's middle half▼ 0.7pp24.9%within the sector's middle half▲ 1.0pp33.3%within the sector's middle half▲ 8.4pp
Current ratio0.82-0.81▼ 0.010.88within the sector's middle half▲ 0.070.74within the sector's middle half▼ 0.140.61below the sector's middle half▼ 0.130.44below the sector's middle half▼ 0.170.44below the sector's middle half=0.27below the sector's middle half▼ 0.17
Return on assets (ROA)0.1%-0.5%▲ 0.4pp0.4%below the sector's middle half▼ 0.1pp-0.2%below the sector's middle half▼ 0.6pp0.4%below the sector's middle half▲ 0.6pp1.5%within the sector's middle half▲ 1.0pp1.8%within the sector's middle half▲ 0.3pp4.9%within the sector's middle half▲ 3.2pp
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €535,836
Fixed assets
€471,800 ▼ 1.5%
Current assets
€64,036 ▼ 51.0%
Equity and liabilities €535,836
Equity
€178,299 ▲ 17.4%
Debt
€357,536 ▼ 21.9%
Debt's share of the balance-sheet total falls from 75.1% to 66.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.8%▲
2024 · 7.1%
Debt ≤ 1 year
€234,043▼
2024 · €296,273
Debt > 1 year
€123,494▼
2024 · €161,684
Income taxes
€17,689▼
2024 · €31,539
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €71,527 | €72,373 | €75,322 | €77,669 | €80,943 | €22,051 | €15,803 | €19,830 | ▲ 25.5% |
| Other operating charges640/8 | - | - | - | €3,705 | €4,480 | €4,200 | €2,879 | €14,455 | ▲ 402% |
| Gross operating margin9900 | €98,922 | €99,389 | €95,741 | €92,294 | €112,392 | €49,851 | €50,323 | €69,757 | ▲ 38.6% |
| Operating profit (loss)9901 | €21,489 | €22,348 | €15,069 | €10,919 | €26,969 | €23,600 | €31,641 | €35,473 | ▲ 12.1% |
| Financial income75/76B | - | - | - | €16,457 | €30 | €10,658 | €22,137 | €18,727 | ▼ 15.4% |
| Recurring financial income75 | €9,600 | €9,699 | €10,913 | €16,457 | €30 | €10,658 | €2 | €18,727 | ▲ 936,233% |
| Non-recurring financial income76B | - | - | - | - | - | - | €22,135 | €0 | ▼ 100% |
| Financial charges65/66B | - | - | - | €21,313 | €13,884 | €13,542 | €11,412 | €10,047 | ▼ 12.0% |
| Recurring financial charges65 | €24,892 | €20,237 | €12,095 | €21,313 | €13,884 | €13,542 | €11,412 | €10,047 | ▼ 12.0% |
| Profit (loss) for the period before taxes9903 | €6,197 | €11,809 | €13,887 | €6,063 | €13,116 | €20,716 | €42,366 | €44,152 | ▲ 4.2% |
| Income taxes67/77 | €4,978 | €7,326 | €10,089 | €7,154 | €10,720 | €11,908 | €31,539 | €17,689 | ▼ 43.9% |
| Profit (loss) for the period9904 | €1,219 | €4,483 | €3,798 | -€1,091 | €2,395 | €8,808 | €10,827 | €26,463 | ▲ 144% |
| Profit (loss) for the period to be appropriated9905 | €1,219 | €4,483 | €3,798 | -€1,091 | €2,395 | €8,808 | €10,827 | €26,463 | ▲ 144% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €927,457 | €852,130 | €993,948 | €601,264 | €537,542 | €589,087 | €609,793 | €535,836 | ▼ 12.1% |
| Fixed assets21/28 | €638,977 | €570,490 | €510,688 | €433,019 | €403,050 | €453,826 | €479,030 | €471,800 | ▼ 1.5% |
| Tangible fixed assets22/27 | €631,537 | €563,050 | €503,248 | €425,579 | €395,610 | €446,386 | €471,590 | €464,360 | ▼ 1.5% |
| Land and buildings22 | - | - | - | €89,549 | €56,580 | €83,781 | €114,334 | €107,284 | ▼ 6.2% |
| Plant, machinery and equipment23 | - | - | - | - | - | €22,037 | €17,014 | €11,991 | ▼ 29.5% |
| Furniture and vehicles24 | - | - | - | €3,600 | €6,600 | €8,139 | €7,813 | €12,656 | ▲ 62.0% |
| Other tangible fixed assets26 | - | - | - | €332,429 | €332,429 | €332,429 | €332,429 | €332,429 | = |
| Financial fixed assets28 | €7,440 | €7,440 | €7,440 | €7,440 | €7,440 | €7,440 | €7,440 | €7,440 | = |
| Current assets29/58 | €288,480 | €281,640 | €483,260 | €168,246 | €134,492 | €135,261 | €130,763 | €64,036 | ▼ 51.0% |
| Amounts receivable within one year40/41 | €10,724 | - | €182,505 | €64,160 | €66,715 | €60,000 | €60,404 | €60,000 | ▼ 0.7% |
| Trade receivables40 | - | - | - | €2,383 | €60,000 | €60,000 | €60,404 | €60,000 | ▼ 0.7% |
| Other amounts receivable41 | - | - | - | €61,777 | €6,715 | €0 | - | - | - |
| Cash at bank and in hand54/58 | €5,257 | €1,969 | €12,998 | €46,698 | €10,524 | €8,356 | €3,563 | €464 | ▼ 87.0% |
| Deferred charges and accrued income490/1 | - | - | - | €57,388 | €57,254 | €66,905 | €66,796 | €3,572 | ▼ 94.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €927,457 | €852,130 | €993,948 | €601,264 | €537,542 | €589,087 | €609,793 | €535,836 | ▼ 12.1% |
| Equity10/15 | €122,615 | €127,098 | €130,897 | €129,805 | €132,201 | €141,009 | €151,836 | €178,299 | ▲ 17.4% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Issued capital100 | - | - | - | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Reserves13 | €61,401 | €65,098 | €68,897 | €67,805 | €70,201 | €79,009 | €89,836 | €116,299 | ▲ 29.5% |
| Non-distributable reserves130/1 | - | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Legal reserve130 | - | - | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Distributable reserves133 | - | - | - | €61,605 | €64,001 | €72,809 | €83,636 | €110,099 | ▲ 31.6% |
| Profit (loss) carried forward14 | -€786 | -€2,005 | -€786 | - | - | - | - | - | - |
| Amounts payable17/49 | €804,842 | €725,032 | €863,051 | €471,459 | €405,341 | €448,078 | €457,957 | €357,536 | ▼ 21.9% |
| Amounts payable after more than one year17 | €455,165 | €378,846 | €313,374 | €243,481 | €185,535 | €143,030 | €161,684 | €123,494 | ▼ 23.6% |
| Financial debts170/4 | - | - | - | €243,481 | €185,535 | €143,030 | €161,684 | €123,494 | ▼ 23.6% |
| Amounts payable within one year42/48 | €349,677 | €346,186 | €549,677 | €227,978 | €219,806 | €305,049 | €296,273 | €234,043 | ▼ 21.0% |
| Current portion of amounts payable after more than one year42 | - | - | - | €189,634 | €168,443 | €160,089 | €80,925 | €75,371 | ▼ 6.9% |
| Financial debts43 | - | - | - | €24,969 | €18,667 | €9,528 | €24,224 | €10,001 | ▼ 58.7% |
| Credit institutions430/8 | - | - | - | €24,969 | €18,667 | €9,528 | €24,224 | €10,001 | ▼ 58.7% |
| Trade debts44 | €15,367 | €9,097 | €2,734 | €2,440 | €9,703 | €23,970 | €22,658 | €9,615 | ▼ 57.6% |
| Suppliers440/4 | - | - | - | €2,440 | €9,703 | €23,970 | €22,658 | €9,615 | ▼ 57.6% |
| Taxes, remuneration and social security45 | - | - | - | €10,935 | €14,067 | €8,828 | €33,447 | €24,872 | ▼ 25.6% |
| Taxes450/3 | - | - | - | €10,935 | €14,067 | €8,828 | €33,447 | €24,872 | ▼ 25.6% |
| Other amounts payable47/48 | - | - | - | - | €8,927 | €102,634 | €135,019 | €114,184 | ▼ 15.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,219 | €4,483 | €3,798 | -€1,091 | €2,395 | €8,808 | €10,827 | €26,463 | ▲ 144% |
| + Depreciation and write-downs630 | €71,527 | €72,373 | €75,322 | €77,669 | €80,943 | €22,051 | €15,803 | €19,830 | ▲ 25.5% |
| Operating cash flow (approximation) | €72,746 | €76,856 | €79,120 | €76,578 | €83,338 | €30,859 | €26,630 | €46,293 | ▲ 73.8% |
| Investment in fixed assets (approximation) | - | -€3,886 | -€15,520 | €0 | -€50,974 | -€72,827 | -€41,007 | -€12,600 | ▲ 69.3% |
| Change in cash | - | -€3,288 | €11,028 | €33,701 | -€36,174 | -€2,167 | -€4,793 | -€3,099 | ▲ 35.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-07-2026 | 2026-00297543 |
| 31-12-2024 | micro format | 11-07-2025 | 2025-00259960 |
| 31-12-2023 | micro format | 03-07-2024 | 2024-00201319 |
| 31-12-2022 | micro format | 06-06-2023 | 2023-00107945 |
| 31-12-2021 | micro format | 31-05-2022 | 2022-20038815 |
| 31-12-2020 | micro format | 13-07-2021 | 2021-34200182 |
| 31-12-2019 | micro format | 15-07-2020 | 2020-29800191 |
| 31-12-2018 | micro format | 23-07-2019 | 2019-35900004 |
| 31-12-2017 | micro format | 24-07-2018 | 2018-36300247 |
| 31-12-2016 | micro format | 20-07-2017 | 2017-33000253 |
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Of the 24,457 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 19,972. 13,646 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.