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 has been growing by about 3.6% per year since 2018. Its solvency ranks better than 34% of 6,692 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.
Overview
Overview
Official details
Source: KBO- Status
- Active since 01-12-1994 Normal situation
- Activity
- Activities of holding companies NACE 64210
- Establishment unit
- 2.070.136.188 3294 Diest, since 03-02-1995
- Financial year end
- 31 December
- Peppol
- Reachable
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Profit
- €26,463
- ▲ 144%
- Equity
- €178,299
- ▲ 17.4%
- Total assets
- €535,836
- ▼ 12.1%
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
1 signal.
neutral
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 days early
2024
20 days early
2023
28 days early
2022
55 days early
2021
61 days early
2020
18 days early
2019
16 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 31 days before the deadline. In the sector (NACE 64), the median for financial year 2024 was 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 4 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 15-07-2026 at the NBB all 31 filings
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%
In the rankings
#4 oldest company in Diest, Finance and insurance sector
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is 12% higher than in 2024 and the highest since 2021. It is the second rise in a row, after the fall in 2023.
Operating result€35,473
2025
Net result€26,463
2025
Total assets€535,836
2025
Equity€178,299
2025
Debt€357,536
2025
Working capital-€170,007
2025
Return on assets (ROA)4.9%
2025
Solvency33.3%
2025
Current ratio0.27
2025
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio and 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 sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
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.
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Mortgages, amount registered | €992,420 | €992,420 | €992,420 | €992,420 | €992,420 |
| Carrying value of the mortgaged assets | €89,549 | €57,180 | €83,781 | €114,334 | €107,284 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | €50,974 | €72,827 | €41,007 | €12,600 |
| Depreciation and write-downs of the year | €77,669 | €80,943 | €22,051 | €15,803 | €19,830 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
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 | ▲ 9,363× |
| 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 | - | - | - | - | - | - | - | - |
| 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% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 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 |
Board & ownership
Directors
Directors
1 director
Vanstraelen Marc
Current
Director · listed in the 2025 annual accounts, filed on 15-07-2026
Owners and capital
Owners
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Sourceown accounts 2025Equity €112,248 Profit of €173,430 in 2025 (profit of €24,128 in 2024) Checked score 9740%
Connections & network
1 current directorThe network starts from the directors of INTERACTION. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
2025
31-12
Financial
Highest result from 2018 to 2025net €26,463 ▲144%
The operating result of €35,473 and the net result of €26,463 are both a record.
11-07
micro format · 20 days before the deadline
2024
31-12
Financial
Equity above €150,000equity €151,836 ▲7.7%
After 3 profitable years in a row, equity reaches €151,836.
03-07
micro format · 28 days before the deadline
2023
06-06
micro format · 55 days before the deadline
2022
31-12
Financial
Back to profitnet €2,395
The net result is €2,395, after one loss-making year.
31-05
micro format · 61 days before the deadline
2021
31-12
Financial
Weakest financial yearnet -€1,091
The net result drops to -€1,091, the lowest from 2018 to 2025. It recovers the following year.
13-07
micro format · 18 days before the deadline
2020
15-07
micro format · 16 days before the deadline
Show earlier events
2019
23-07
micro format · 8 days before the deadline
2018
24-07
micro format · 7 days before the deadline
2017
20-07
micro format · 11 days before the deadline
1995
12-01
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
INTERACTION in Dutch
Enterprise number
0454.143.310
Legal form
Public limited company
Status
Active, normale toestand
Founded
01-12-1994
Entity type
Legal entity
Registered office and establishments
Registered office
Diesterestraat 98, 3294 Diest, Belgium
Establishment unit
Diesterestraat 98, 3294 Diest since 03-02-1995 · unit number 2.070.136.18873200 Market research and public opinion polling
Activities
NACEBEL 202564210
Activities of holding companies main activity
Codes under NACEBEL 2008
64200
Holdings main activity
Invoicing and payment
VAT number
BE 0454.143.310
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
3,395 m²
Building footprint
305 m²
Building volume
1,787 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24073H0038/00R000 | Flanders | 3,395 m² | 1 · 305 m² | 11.0 m · 2 |