INTERBO-LACROIX
ActiveINTERBO-LACROIX has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €364k and a net result of €-35k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 11200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth57▼-17
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0.5% of the assets are financed with debt.
Credit advice for your own amount and term
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.5%
Return on assets
-9.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
27 d late
2023
27 d late
2022
30 d late
2021
20 d late
2020
30 d late
2019
28 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€410k▲ 60.3%
2021 · €256k
2018: €280k
2019: €225k
2020: €151k
2021: €256k
2018 → 2022
EBIT margin
20.1%▲ 4.7pp
2021 · 15.4%
2018: 1.9%
2019: 17.0%
2020: -1.5%
2021: 15.4%
2018 → 2022
Net result
€-35k
2024 · €134k
2018: €4k
2019: €24k
2020: €-2k
2021: €28k
2022: €55k
2023: €76k
2024: €134k
2018 → 2025
Working capital
€258k▼ 7.4%
2024 · €278k
2018: €117k
2019: €151k
2020: €155k
2021: €187k
2022: €244k
2023: €255k
2024: €278k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€256k-€410k▲ 60.3%
Equity€195k-€250k▲ 28.2%€265k▲ 6.0%€399k▲ 50.5%€364k▼ 8.8%
Operating result€40k-€83k▲ 109%€114k▲ 38.6%€161k▲ 40.4%€-35k
Net result€28k-€55k▲ 99.1%€76k▲ 38.0%€134k▲ 76.4%€-35k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €35k after €161k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€107k▼ 11.8%
Current assets
€258k▼ 20.5%
Equity and liabilities €366k
Equity
€364k▼ 8.8%
Debt
€2k▼ 96.4%
The debt ratio falls from 10.7% to 0.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-4k▼
2024 · €166k
Cash flow
€-4k▼
2024 · €139k
Solvency
99.5%▲
2024 · 89.3%
Debt / equity
0.00▼
2024 · 0.12
ROE
-9.6%▼
2024 · 33.6%
ROA
-9.5%▼
2024 · 30.0%
Interest coverage
-16.06▼
2024 · 231.87
Debt
€2k▼
2024 · €48k
Debt ≤ 1 year
€447▼
2024 · €47k
Income taxes
€111▼
2024 · €27k
A ratio outside any meaningful range has been withheld (balance sheet total €366k, equity €364k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€447k€366k▼
Fixed assets21/28€122k€107k▼
Intangible fixed assets21€500€90▼
Tangible fixed assets22/27€121k€107k▼
Land and buildings22€765€447▼
Plant, machinery and equipment23€24k€27k▲
Furniture and vehicles24€96k€79k▼
Current assets29/58€325k€258k▼
Stocks and contracts in progress3€44k€8k▼
Stocks30/36€44k€8k▼
Amounts receivable within one year40/41€24k€27k▲
Trade receivables40€7k€3k▼
Other amounts receivable41€17k€24k▲
Cash at bank and in hand54/58€255k€220k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€447k€366k▼
Equity10/15€399k€364k▼
Contributions10/11€19k€19k=
Reserves13€188k€188k=
Distributable reserves133€188k€188k=
Profit (loss) carried forward14€192k€157k▼
Amounts payable17/49€48k€2k▼
Amounts payable within one year42/48€47k€447▼
Trade debts44€1k€82▼
Suppliers440/4€1k€82▼
Taxes, remuneration and social security45€45k-
Taxes450/3€44k-
Remuneration and social security454/9€1k-
Other amounts payable47/48€365€365=
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€31k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€170k€125▼
Operating profit (loss)9901€161k€-35k▼
Financial income75/76B€998€97▼
Recurring financial income75€998€97▼
Financial charges65/66B€714€226▼
Recurring financial charges65€714€226▼
Profit (loss) for the period before taxes9903€161k€-35k▼
Income taxes67/77€27k€111▼
Profit (loss) for the period9904€134k€-35k▼
Profit (loss) for the period to be appropriated9905€134k€-35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€192k€157k▼
Profit (loss) brought forward from the previous period14P€58k€192k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-35k ▼126%
Net result drops to €-35k, the lowest in the series.
31-12
Financial
Liquidity times 83current ratio 578.70
Current ratio from 6.98 to 578.70; short-term debt falls from €47k to €447.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2018net €134k ▲76.4%
Operating result €161k, net result €134k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €250k ▲28.2%
2 profitable years in a row build equity to €250k.
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 20 days late
2021
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
31-12
Financial
Equity above €150kEq €169k ▲16.6%
2 profitable years in a row build equity to €169k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gingelom · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Ambachtsweg 83890 GingelomGround area
1,697 m²
Building footprint
472 m²
Volume, LiDAR
2,997 m³
Parcel 71044B0522/00R000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Interbo-Lacroix
since 20132.227.397.439
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71044B0522/00R000 | Flanders | 1,697 m² | 1 · 472 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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BE 0894.376.919
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CENTER ELEC
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MICHAEL LAMBERT SPRL
BE 0839.685.943
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THRICON
BE 0647.790.051
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VERMEIREN
BE 0408.401.672
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Of 470 companies in sector 46842 we hold annual accounts for 345. 265 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2013
Fiscal year end31-12
Activities, NACEBEL
46842Wholesale trade
33110Repair and maintenance of fabricated metal products
43223Specialised construction activities
43993Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.