INTERCHASSIS
ActiveSummary
INTERCHASSIS has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25k and a net result of €6k. Equity is growing by ~32.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability93▲+55
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.66 against 13.08 in 2024; short-term debt: 21.2% and cash: 25% of total assets), and 21.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Wholesale trade (NACE 46)
about 21% more 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
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
78.8%
Return on assets
19.4%
Age of the figures
9 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 25-08-2026, 25 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
25 d late
2024
47 d late
2023
57 d late
2022
61 d late
2021
27 d late
2020
25 d late
2019
2 d late
← 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
€25k▲ 32.6%
2024 · €19k
2018: €-2klowest in 8 years
2019: €5k▲ +384% vs 2018
2020: €11k▲ +117% vs 2019
2021: €3k▼ -70.0% vs 2020
2022: €10k▲ +182% vs 2021
2023: €18k▲ +83.3% vs 2022
2024: €19k▲ +4.9% vs 2023
2025: €25k▲ +32.6% vs 2024highest in 8 years
2018 → 2025
Total assets
€31k▲ 55.8%
2024 · €20k
2018: €12klowest in 8 years
2019: €22k▲ +88.0% vs 2018
2020: €17k▼ -23.0% vs 2019
2021: €17k▲ +1.6% vs 2020
2022: €18k▲ +2.1% vs 2021
2023: €22k▲ +23.7% vs 2022
2024: €20k▼ -7.8% vs 2023
2025: €31k▲ +55.8% vs 2024highest in 8 years
2018 → 2025
Net result
€6k▲ 596%
2024 · €868
2018: €3k
2019: €7k▲ +125% vs 2018
2020: €6k▼ -13.7% vs 2019
2021: €-8k▼ -230% vs 2020lowest in 8 years
2022: €6k▲ +178% vs 2021
2023: €8k▲ +29.2% vs 2022highest in 8 years
2024: €868▼ -89.2% vs 2023
2025: €6k▲ +596% vs 2024
2018 → 2025
Working capital
€24k▲ 35.6%
2024 · €18k
2018: €-4k
2019: €4k▲ +209% vs 2018
2020: €10k▲ +162% vs 2019
2021: €-5k▼ -151% vs 2020lowest in 8 years
2022: €13k▲ +353% vs 2021
2023: €18k▲ +32.1% vs 2022
2024: €18k▲ +0.8% vs 2023
2025: €24k▲ +35.6% vs 2024highest 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€3k-€10k▲ 182%€18k▲ 83.3%€19k▲ 4.9%€25k▲ 32.6%
2021: €3klowest in 5 years
2022: €10k▲ +182% vs 2021
2023: €18k▲ +83.3% vs 2022
2024: €19k▲ +4.9% vs 2023
2025: €25k▲ +32.6% vs 2024highest in 5 years
Operating result€-8k-€7k€7k▲ 6.7%€221▼ 97.0%€6k▲ 2,599%
2021: €-8klowest in 5 years
2022: €7k▲ +189% vs 2021
2023: €7k▲ +6.7% vs 2022highest in 5 years
2024: €221▼ -97.0% vs 2023
2025: €6k▲ +2599% vs 2024
Net result€-8k-€6k€8k▲ 29.2%€868▼ 89.2%€6k▲ 596%
2021: €-8klowest in 5 years
2022: €6k▲ +178% vs 2021
2023: €8k▲ +29.2% vs 2022highest in 5 years
2024: €868▼ -89.2% vs 2023
2025: €6k▲ +596% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,599% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€428 ▼ 40.9%
Current assets
€31k ▲ 59.5%
Equity and liabilities €31k
Equity
€25k ▲ 32.6%
Debt
€7k ▲ 348%
Debt's share of the balance-sheet total rises from 7.4% to 21.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▲
2024 · €386
Cash flow
€6k▲
2024 · €1k
Current ratio
4.66▼
2024 · 13.08
Debt to equity
0.27▲
2024 · 0.08
ROE
24.6%▲
2024 · 4.7%
ROA
19.4%▲
2024 · 4.3%
Interest coverage
43.83▲
2024 · 1.69
Debt ≤ 1 year
€7k▲
2024 · €1k
Income taxes
€404
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20k€31k▲
Fixed assets21/28€724€428▼
Tangible fixed assets22/27€724€428▼
Furniture and vehicles24€724€428▼
Current assets29/58€19k€31k▲
Amounts receivable within one year40/41€18k€23k▲
Trade receivables40€3k€4k▲
Other amounts receivable41€15k€19k▲
Cash at bank and in hand54/58€1k€8k▲
Equity and liabilities
Total equity and liabilities10/49€20k€31k▲
Equity10/15€19k€25k▲
Contributions10/11€19k€19k=
Reserves13€684€684=
Non-distributable reserves130/1€684€684=
Reserves not available under the articles1311€684€684=
Profit (loss) carried forward14€-760€5k▲
Amounts payable17/49€1k€7k▲
Amounts payable within one year42/48€1k€7k▲
Trade debts44€1k€661▼
Suppliers440/4€1k€661▼
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€318€801▲
Taxes450/3€318€801▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€165€297▲
Other operating charges640/8€683€400▼
Gross operating margin9900€1k€7k▲
Operating profit (loss)9901€221€6k▲
Financial income75/76B€876€868▼
Recurring financial income75€876€868▼
Financial charges65/66B€229€386▲
Recurring financial charges65€229€143▼
Non-recurring financial charges66B-€243
Profit (loss) for the period before taxes9903€868€6k▲
Income taxes67/77-€404
Profit (loss) for the period9904€868€6k▲
Profit (loss) for the period to be appropriated9905€868€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-760€5k▲
Profit (loss) brought forward from the previous period14P€-2k€-760▲
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €331 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €102 | €14 | €165 | €297 | ▲ 79.7% |
| Other operating charges640/8 | €1k | €2k | €704 | €683 | €400 | ▼ 41.5% |
| Gross operating margin9900 | €-4k | €9k | €8k | €1k | €7k | ▲ 523% |
| Operating profit (loss)9901 | €-8k | €7k | €7k | €221 | €6k | ▲ 2,599% |
| Financial income75/76B | €45 | €184 | €928 | €876 | €868 | ▼ 0.9% |
| Recurring financial income75 | €45 | €184 | €928 | €876 | €868 | ▼ 0.9% |
| Financial charges65/66B | €241 | €727 | €214 | €229 | €386 | ▲ 68.4% |
| Recurring financial charges65 | €241 | €207 | €214 | €229 | €143 | ▼ 37.6% |
| Non-recurring financial charges66B | - | €520 | - | - | €243 | - |
| Profit (loss) for the period before taxes9903 | €-8k | €6k | €8k | €868 | €6k | ▲ 643% |
| Income taxes67/77 | €92 | €96 | - | - | €404 | - |
| Profit (loss) for the period9904 | €-8k | €6k | €8k | €868 | €6k | ▲ 596% |
| Profit (loss) for the period to be appropriated9905 | €-8k | €6k | €8k | €868 | €6k | ▲ 596% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17k | €18k | €22k | €20k | €31k | ▲ 55.8% |
| Fixed assets21/28 | €10k | €764 | - | €724 | €428 | ▼ 40.9% |
| Tangible fixed assets22/27 | €9k | €14 | - | €724 | €428 | ▼ 40.9% |
| Furniture and vehicles24 | €9k | €14 | - | €724 | €428 | ▼ 40.9% |
| Financial fixed assets28 | €750 | €750 | - | - | - | - |
| Current assets29/58 | €8k | €17k | €22k | €19k | €31k | ▲ 59.5% |
| Amounts receivable within one year40/41 | €183 | €5k | €16k | €18k | €23k | ▲ 26.6% |
| Trade receivables40 | - | - | €2k | €3k | €4k | ▲ 33.3% |
| Other amounts receivable41 | €183 | €5k | €15k | €15k | €19k | ▲ 25.3% |
| Cash at bank and in hand54/58 | €7k | €4k | €5k | €1k | €8k | ▲ 574% |
| Deferred charges and accrued income490/1 | €616 | €7k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17k | €18k | €22k | €20k | €31k | ▲ 55.8% |
| Equity10/15 | €3k | €10k | €18k | €19k | €25k | ▲ 32.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €684 | €684 | €684 | €684 | €684 | = |
| Non-distributable reserves130/1 | €684 | €684 | €684 | €684 | €684 | = |
| Reserves not available under the articles1311 | €684 | €684 | €684 | €684 | €684 | = |
| Profit (loss) carried forward14 | €-16k | €-10k | €-2k | €-760 | €5k | ▲ 795% |
| Amounts payable17/49 | €14k | €8k | €4k | €1k | €7k | ▲ 348% |
| Amounts payable within one year42/48 | €13k | €3k | €4k | €1k | €7k | ▲ 348% |
| Trade debts44 | €10k | - | €2k | €1k | €661 | ▼ 42.8% |
| Suppliers440/4 | €10k | - | €2k | €1k | €661 | ▼ 42.8% |
| Advances received on contracts in progress46 | - | - | - | - | €5k | - |
| Taxes, remuneration and social security45 | €2k | €3k | €2k | €318 | €801 | ▲ 152% |
| Taxes450/3 | €2k | €3k | €2k | €318 | €801 | ▲ 152% |
| Accrued charges and deferred income492/3 | €954 | €5k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-8k | €6k | €8k | €868 | €6k | ▲ 596% |
| + Depreciation and write-downs630 | €3k | €102 | €14 | €165 | €297 | ▲ 79.7% |
| Operating cash flow (approximation) | €-5k | €6k | €8k | €1k | €6k | ▲ 514% |
| Investment in fixed assets (approximation) | - | €9k | - | - | €0 | - |
| Change in cash | - | €-2k | €735 | €-4k | €7k | ▲ 263% |
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
16-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 47 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 13.08
Current ratio from 5.37 to 13.08; short-term debt falls from €4k to €1k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Highest result since 2018net €8k ▲29.2%
Operating result €7k, net result €8k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-12
Financial
Liquidity times 8current ratio 4.92
Current ratio from 0.59 to 4.92; short-term debt falls from €13k to €3k.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.88
Current ratio from 1.24 to 2.88; short-term debt falls from €17k to €6k.
Show earlier events
02-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 2 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
04-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 4 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Namur · 1 establishment unit since 2013
Ground area
688 m²
Building footprint
111 m²
Volume, LiDAR
376 m³
Parcel 92043B0043/00H000, Wallonia · tallest building 4.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue Marcel Héron(FW) 77, 5020 Namur
since 20132.217.774.049
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92043B0043/00H000 | Wallonia | 688 m² | 1 · 111 m² | 4.3 m · 1 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.
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Of 1,136 companies in sector 46130 we hold annual accounts for 646. 419 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
Founded24-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
46831Wholesale of construction materials, general range
47522Retail trade
Contact
E-mail
info@interchassis.be
Phone
0495/48.91.10
Scores and ratios are computed by Checked and are not a credit decision.