Result
From profit to loss in 2025, after a profit of €219,858 in 2024.
From profit to loss in 2025, after a profit of €219,858 in 2024.
The accounts state no turnover.
Of this, €2.8m falls due within a year.
Green is investment, beige is depreciation. Machinery stands 39.7% higher than in 2024.
In 2025, 18 people joined and 14 left.
Lower solvency than 81% of companies in retail trade. Sector median 36.2% · 5,069 companies.
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 20% of them on solvency, 38% on liquidity, 26% on profitability and 30% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 865 companies had the same profile as INTERANS has now. Each dot stands for 3 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of INTERANS itself is higher: 5.0% within 12 months. It rests on far more data about INTERANS than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 865 companies, not a prediction for INTERANS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.58 (0.75 in 2024), below 1. Short-term debt is 48.4% and cash 7.2% of total assets. 92% of the assets are financed with debt and provisions.
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.
The company filed its last 2 accounts on average 46 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| INTERANS Ans | €5.7m | €1.8m | 8.0% | 30.6 |
| DFH MARKET Liège | €4.7m | €1.7m | 5.1% | 30.9 |
| CASTEL Châtelet | €4.4m | €1.7m | 1.5% | 31.6 |
| Vidovic Retail Maldegem Zelzate | €4.5m | €1.7m | 0.1% | 28.5 |
| GEMBLOUXIM Gembloux | €4.3m | €1.8m | 3.2% | 28.4 |
| LUTTRE RETAIL Pont-à-Celles | €4.4m | €1.9m | 3.6% | 28 |
| KALE Châtelet | €4.2m | €1.7m | -1.3% | 32.3 |
These companies have the same main activity as INTERANS: non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110). They are comparable in size and age: total assets between €4.2m and €4.7m, founded in 2023.
The computed 12-month bankruptcy probability of INTERANS is 5.0% (elevated). The 2025 annual accounts show equity of €457,077 and a net result of -€12,781.
Its solvency ranks better than 19% of 5,069 sector peers (NACE 47, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
The turnover shown is an estimate from the gross margin.
Turnover ≈ €12.0m. Estimated: probably between €7.5m and €15.0m.
Higher than 19% of 5,069 companies in 2025.
Higher than 10% of 4,995 companies in 2025.
Higher than 27% of 5,038 companies in 2025.
Net result: bottom quarter · Equity: middle half · Balance sheet total: top quarter · Working capital: bottom quarter · Staff: top quarter
Staff costs divided by the average number of full-time equivalents.
In 2025, 18 people joined and 14 left. Training hours in 2025: 6.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
5.7m | 6.9m | |
20 |
21,171 | - | |
21/28 |
4.1m | 3.7m | |
21 |
390,990 | 444,657 | |
22/27 |
3.7m | 3.3m | |
22 |
1.4m | 1.4m | |
23 |
1.7m | 1.2m | |
24 |
542,345 | 678,700 | |
29/58 |
1.6m | 3.1m | |
3 |
706,002 | 671,343 | |
30/36 |
706,002 | 671,343 | |
40/41 |
463,379 | 1.4m | |
40 |
393,653 | 999,751 | |
41 |
69,726 | 383,043 | |
54/58 |
415,343 | 1.0m | |
490/1 |
19,359 | 6,489 | |
| Balance sheet: equity and liabilities | |||
10/49 |
5.7m | 6.9m | |
10/15 |
457,077 | 469,858 | |
10/11 |
250,000 | 250,000 | |
10 |
250,000 | 250,000 | |
100 |
250,000 | 250,000 | |
13 |
54,964 | 54,964 | |
130/1 |
10,993 | 10,993 | |
130 |
10,993 | 10,993 | |
133 |
43,971 | 43,971 | |
14 |
152,112 | 164,893 | |
17/49 |
5.3m | 6.4m | |
17 |
2.4m | 2.2m | |
170/4 |
2.4m | 2.2m | |
178/9 |
3,800 | 3,800 | |
42/48 |
2.8m | 4.2m | |
42 |
738,545 | 656,248 | |
44 |
1.6m | 3.4m | |
440/4 |
1.6m | 3.4m | |
45 |
172,727 | 141,417 | |
450/3 |
- | 5,455 | |
454/9 |
172,727 | 135,962 | |
47/48 |
222,853 | 4,675 | |
492/3 |
57,286 | 30,972 | |
| Income statement | |||
76A |
697,808 | 1.2m | |
9900 |
1.8m | 1.6m | |
62 |
1.1m | 1.2m | |
630 |
505,334 | 117,904 | |
640/8 |
45,963 | 61,564 | |
66A |
864 | 484 | |
9901 |
194,715 | 296,719 | |
75/76B |
68,528 | 18,816 | |
75 |
68,528 | 18,816 | |
65/66B |
275,836 | 95,468 | |
65 |
246,407 | 95,468 | |
66B |
29,429 | - | |
9903 |
-12,593 | 220,068 | |
67/77 |
188 | 210 | |
9904 |
-12,781 | 219,858 | |
9905 |
-12,781 | 219,858 | |
| Appropriation of the result | |||
9906 |
152,112 | 219,858 | |
14P |
164,893 | - | |
691/2 |
- | 54,964 | |
6920 |
- | 10,993 | |
6921 |
- | 43,971 | |
| Social balance sheet | |||
9087 |
30.6 | 19 | |
Hours worked1013 |
45,715 | 28,434 | |
| Document | |||
The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.
2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00495153.
| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 700,049 | 414,624 | ||
| 492,552 | 337,762 | ||
| 861,993 | 3.9m | ||
| -633,164 | - | ||
| -1.2m | -1.0m | ||
| 8.0% | 6.9% | ||
| 0.58 | 0.75 | ||
| 0.32 | 0.59 | ||
| 11.54 | 13.60 | ||
| -2.8% | 46.8% | ||
| -0.2% | 3.2% | ||
| 2.84 | 4.34 |
EBIT margin: not included in this filing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2025 | 31-12-2024 |
|---|---|---|
| Employees at the balance-sheet date | 34 | 30 |
| full-time | 23 | 20 |
| part-time | 11 | 10 |
| in full-time equivalents | 32.1 | 28.8 |
| 30.6 | 19 | |
| On a permanent contract | 32 | 28 |
| Joined | 18 | 54 |
| Left | 14 | 24 |
| Training hours | 6 | 11 |
Source: social balance sheet in the 2024 to 2025 annual accounts
| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €861,993 | €3.4m |
| Intangible fixed assets | - | €507,504 |
| €505,334 | €117,904 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 34% lower than in 2024.
Debt's share of the balance-sheet total falls from 93.1% to 92.0%. Equity and debt are lower.
See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.
INTERANS has no parent and no holdings in its annual accounts. PLAIRE Andy Michel Gérald Ghislain is the only director.
Deadline for the 2026 accounts: 31-07-2027
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 6 October 2023, INTERANS was incorporated as a public limited company by ITM BELGIUM and one natural person, with a starting capital of €100,000.12 In 2024 the registered office moved to Ans.3 A capital increase in 2024 brought the capital to €250,000.4 PLAIRE Andy Michel Gérald Ghislain has served as director since 2023.5
| Establishment | Since | Unit number | FASFC approval |
|---|---|---|---|
| Rue des Français 155 registered office 4430 Ans | 06-10-2023 | 2.352.417.472 | Fish shop Butcher's shop Bakery Retail with processing activity |
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