Interactive Commerce
ActiveSummary
Interactive Commerce has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-2k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability25▼-45
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 25.74 against 14.5 in 2024; short-term debt: 3.9% and cash: 89.9% of total assets), and 3.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer 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
96.1%
Return on assets
-3.4%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
21 d early
2023
29 d early
2022
32 d early
2021
34 d early
2020
33 d early
2019
32 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 54.3%
2024 · €102k
2018: €94k
2019: €106k▲ +12.9% vs 2018
2020: €118k▲ +10.7% vs 2019highest in 8 years
2021: €111k▼ -5.6% vs 2020
2022: €112k▲ +0.6% vs 2021
2023: €108k▼ -3.6% vs 2022
2024: €102k▼ -5.5% vs 2023
2025: €47k▼ -54.3% vs 2024lowest in 8 years
2018 → 2025
Total assets
€48k▼ 55.7%
2024 · €109k
2018: €128k
2019: €129k▲ +1.1% vs 2018
2020: €131k▲ +1.5% vs 2019highest in 8 years
2021: €120k▼ -8.1% vs 2020
2022: €115k▼ -4.2% vs 2021
2023: €117k▲ +1.5% vs 2022
2024: €109k▼ -6.5% vs 2023
2025: €48k▼ -55.7% vs 2024lowest in 8 years
2018 → 2025
Net result
€-2k
2024 · €1k
2018: €7k
2019: €13k▲ +77.4% vs 2018
2020: €24k▲ +85.8% vs 2019highest in 8 years
2021: €19k▼ -20.7% vs 2020
2022: €12k▼ -40.0% vs 2021
2023: €11k▼ -5.3% vs 2022
2024: €1k▼ -87.1% vs 2023
2025: €-2k▼ -215% vs 2024lowest in 8 years
2018 → 2025
Working capital
€46k▼ 54.0%
2024 · €101k
2018: €88k
2019: €99k▲ +12.1% vs 2018
2020: €107k▲ +8.8% vs 2019
2021: €110k▲ +2.3% vs 2020highest in 8 years
2022: €108k▼ -1.6% vs 2021
2023: €104k▼ -3.2% vs 2022
2024: €101k▼ -3.7% vs 2023
2025: €46k▼ -54.0% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€111k-€112k▲ 0.6%€108k▼ 3.6%€102k▼ 5.5%€47k▼ 54.3%
2021: €111k
2022: €112k▲ +0.6% vs 2021highest in 5 years
2023: €108k▼ -3.6% vs 2022
2024: €102k▼ -5.5% vs 2023
2025: €47k▼ -54.3% vs 2024lowest in 5 years
Operating result€28k-€16k▼ 40.9%€16k▼ 3.7%€3k▼ 81.1%€-598
2021: €28khighest in 5 years
2022: €16k▼ -40.9% vs 2021
2023: €16k▼ -3.7% vs 2022
2024: €3k▼ -81.1% vs 2023
2025: €-598▼ -120% vs 2024lowest in 5 years
Net result€19k-€12k▼ 40.0%€11k▼ 5.3%€1k▼ 87.1%€-2k
2021: €19khighest in 5 years
2022: €12k▼ -40.0% vs 2021
2023: €11k▼ -5.3% vs 2022
2024: €1k▼ -87.1% vs 2023
2025: €-2k▼ -215% vs 2024lowest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €598 after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€299 ▼ 78.8%
Current assets
€48k ▼ 55.4%
Equity and liabilities €48k
Equity
€47k ▼ 54.3%
Debt
€2k ▼ 74.9%
Debt's share of the balance-sheet total falls from 6.8% to 3.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€509▼
2024 · €5k
Cash flow
€-518▼
2024 · €4k
Current ratio
25.74▲
2024 · 14.50
Debt to equity
0.04▼
2024 · 0.07
ROE
-3.5%▼
2024 · 1.4%
ROA
-3.4%▼
2024 · 1.3%
Interest coverage
1.29▼
2024 · 10.95
Debt ≤ 1 year
€2k▼
2024 · €7k
Income taxes
€652▼
2024 · €2k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€109k€48k▼
Fixed assets21/28€1k€299▼
Tangible fixed assets22/27€1k€299▼
Plant, machinery and equipment23€1k€299▼
Furniture and vehicles24€72-
Current assets29/58€108k€48k▼
Amounts receivable within one year40/41€68k€1k▼
Trade receivables40€21k-
Other amounts receivable41€47k€1k▼
Cash at bank and in hand54/58€37k€44k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€109k€48k▼
Equity10/15€102k€47k▼
Contributions10/11€19k€19k=
Reserves13€83k€28k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€82k€26k▼
Amounts payable17/49€7k€2k▼
Amounts payable within one year42/48€7k€2k▼
Trade debts44€833€1k▲
Suppliers440/4€833€1k▲
Taxes, remuneration and social security45€6k€692▼
Taxes450/3€6k€692▼
Other amounts payable47/48€954-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€969€1,000▲
Gross operating margin9900€6k€2k▼
Operating profit (loss)9901€3k€-598▼
Financial income75/76B€837€20▼
Recurring financial income75€837€20▼
Financial charges65/66B€467€395▼
Recurring financial charges65€467€395▼
Profit (loss) for the period before taxes9903€3k€-973▼
Income taxes67/77€2k€652▼
Profit (loss) for the period9904€1k€-2k▼
Profit (loss) for the period to be appropriated9905€1k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-2k▼
Transfer from equity791/2€6k€55k▲
Transfer to equity691/2€456-
To other reserves6921€456-
Profit to be distributed694/7€7k€54k▲
Return on contributions (dividend)694€7k€54k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €2k | €2k | €2k | €1k | ▼ 47.9% |
| Other operating charges640/8 | €847 | €854 | €935 | €969 | €1,000 | ▲ 3.2% |
| Non-recurring operating charges66A | - | €432 | €162 | - | - | - |
| Gross operating margin9900 | €37k | €20k | €19k | €6k | €2k | ▼ 75.2% |
| Operating profit (loss)9901 | €28k | €16k | €16k | €3k | €-598 | ▼ 120% |
| Financial income75/76B | €957 | €836 | €818 | €837 | €20 | ▼ 97.6% |
| Recurring financial income75 | €957 | €836 | €818 | €837 | €20 | ▼ 97.6% |
| Financial charges65/66B | €399 | €299 | €330 | €467 | €395 | ▼ 15.3% |
| Recurring financial charges65 | €399 | €299 | €330 | €467 | €395 | ▼ 15.3% |
| Profit (loss) for the period before taxes9903 | €28k | €17k | €16k | €3k | €-973 | ▼ 129% |
| Income taxes67/77 | €9k | €5k | €5k | €2k | €652 | ▼ 66.4% |
| Profit (loss) for the period9904 | €19k | €12k | €11k | €1k | €-2k | ▼ 215% |
| Profit (loss) for the period to be appropriated9905 | €19k | €12k | €11k | €1k | €-2k | ▼ 215% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €120k | €115k | €117k | €109k | €48k | ▼ 55.7% |
| Fixed assets21/28 | €2k | €4k | €4k | €1k | €299 | ▼ 78.8% |
| Tangible fixed assets22/27 | €2k | €4k | €4k | €1k | €299 | ▼ 78.8% |
| Plant, machinery and equipment23 | €785 | €3k | €3k | €1k | €299 | ▼ 77.6% |
| Furniture and vehicles24 | €970 | €1k | €467 | €72 | - | - |
| Current assets29/58 | €119k | €111k | €114k | €108k | €48k | ▼ 55.4% |
| Amounts receivable within one year40/41 | €50k | €53k | €44k | €68k | €1k | ▼ 98.0% |
| Trade receivables40 | €9k | €575 | €6k | €21k | - | - |
| Other amounts receivable41 | €40k | €53k | €38k | €47k | €1k | ▼ 97.1% |
| Cash at bank and in hand54/58 | €66k | €56k | €67k | €37k | €44k | ▲ 17.3% |
| Deferred charges and accrued income490/1 | €2k | €2k | €3k | €3k | €3k | ▲ 25.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €120k | €115k | €117k | €109k | €48k | ▼ 55.7% |
| Equity10/15 | €111k | €112k | €108k | €102k | €47k | ▼ 54.3% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €93k | €93k | €89k | €83k | €28k | ▼ 66.4% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €91k | €92k | €88k | €82k | €26k | ▼ 67.9% |
| Amounts payable17/49 | €9k | €3k | €9k | €7k | €2k | ▼ 74.9% |
| Amounts payable within one year42/48 | €9k | €3k | €9k | €7k | €2k | ▼ 74.9% |
| Trade debts44 | €46 | €377 | €3k | €833 | €1k | ▲ 41.6% |
| Suppliers440/4 | €46 | €377 | €3k | €833 | €1k | ▲ 41.6% |
| Taxes, remuneration and social security45 | €8k | €2k | €5k | €6k | €692 | ▼ 87.8% |
| Taxes450/3 | €5k | €2k | €5k | €6k | €692 | ▼ 87.8% |
| Remuneration and social security454/9 | €3k | - | - | - | - | - |
| Other amounts payable47/48 | €889 | €889 | €926 | €954 | - | - |
| Accrued charges and deferred income492/3 | €200 | €200 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19k | €12k | €11k | €1k | €-2k | ▼ 215% |
| + Depreciation and write-downs630 | €9k | €2k | €2k | €2k | €1k | ▼ 47.9% |
| Operating cash flow (approximation) | €28k | €14k | €13k | €4k | €-518 | ▼ 115% |
| Investment in fixed assets (approximation) | - | €-5k | €-2k | €0 | €0 | - |
| Change in cash | - | €-10k | €12k | €-30k | €6k | ▲ 121% |
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 34.39
Current ratio from 13.30 to 34.39; short-term debt falls from €9k to €3k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €24k ▲85.8%
Operating result €34k, net result €24k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €106k ▲12.9%
2 profitable years in a row build equity to €106k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are 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, Gent · 1 establishment unit since 2014
Ground area
158 m²
Building footprint
74 m²
Volume, LiDAR
471 m³
Parcel 44808H0170/00C003, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
I.C.
since 20142.226.060.423
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0170/00C003 | Flanders | 158 m² | 1 · 74 m² | 9.6 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400I1QDD471UGKR20
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,254 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 (pre-2019)
Founded10-01-2014
Fiscal year end31-12
Abbreviation NL
I.C.
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.