INTERCONCEPT
ActiveINTERCONCEPT has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.32M and a net result of €-87k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 29% of 3161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-33
Solvency68▲+14
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.76 against 1.41 in 2024), but 71.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
143 d late
2023
2 d early
2022
21 d late
2021
34 d early
2020
27 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-87k
2024 · €88k
2019: €23k
2020: €16k
2021: €-57k
2022: €153k
2023: €267k
2024: €88k
2019 → 2025
Working capital
€669k▲ 132%
2024 · €288k
2019: €430k
2020: €335k
2021: €248k
2022: €378k
2023: €279k
2024: €288k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€720k-€872k▲ 21.2%€1.14M▲ 30.6%€1.32M▲ 15.8%€1.32M▲ 0.1%
Operating result€104k-€311k▲ 199%€470k▲ 51.2%€318k▼ 32.4%€153k▼ 51.7%
Net result€-57k-€153k€267k▲ 74.7%€88k▼ 66.9%€-87k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.60M
Fixed assets
€3.55M▼ 1.7%
Current assets
€1.05M▲ 5.1%
Equity and liabilities €4.60M
Equity
€1.32M▲ 0.1%
Provisions
€225k▲ 95.6%
Debt
€3.05M▼ 3.8%
The debt ratio falls from 68.8% to 66.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€327k▼
2024 · €362k
Cash flow
€87k▼
2024 · €133k
Solvency
28.7%▲
2024 · 28.7%
Current ratio
2.76▲
2024 · 1.41
Quick ratio
2.76▲
2024 · 1.41
Debt / equity
2.31▼
2024 · 2.40
ROE
-6.6%▼
2024 · 6.7%
ROA
-1.9%▼
2024 · 1.9%
Interest coverage
1.32▼
2024 · 1.58
Debt
€3.05M▼
2024 · €3.17M
Debt ≤ 1 year
€381k▼
2024 · €711k
Debt > 1 year
€2.67M▲
2024 · €2.46M
Income taxes
€845▲
2024 · €664
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€4.60M€4.60M▼
Fixed assets21/28€3.61M€3.55M▼
Tangible fixed assets22/27€3.18M€3.12M▼
Land and buildings22€3.10M€3.04M▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€70k€68k▼
Other tangible fixed assets26€5k€5k▼
Financial fixed assets28€424k€424k▲
Current assets29/58€998k€1.05M▲
Amounts receivable within one year40/41€960k€984k▲
Trade receivables40€560k€537k▼
Other amounts receivable41€400k€447k▲
Cash at bank and in hand54/58€33k€60k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€4.60M€4.60M▼
Equity10/15€1.32M€1.32M▲
Contributions10/11€19k€19k=
Reserves13€1.21M€1.12M▼
Tax-exempt reserves132€105k€105k=
Distributable reserves133€1.10M€1.02M▼
Investment grants15€92k€180k▲
Provisions and deferred taxes16€115k€225k▲
Provisions for liabilities and charges160/5€115k€225k▲
Other liabilities and charges164/5€115k€225k▲
Amounts payable17/49€3.17M€3.05M▼
Amounts payable after more than one year17€2.46M€2.67M▲
Financial debts170/4€2.46M€2.67M▲
Amounts payable within one year42/48€711k€381k▼
Current portion of amounts payable after more than one year42€204k€225k▲
Financial debts43€37-
Credit institutions430/8€37-
Trade debts44€264k€24k▼
Suppliers440/4€264k€24k▼
Taxes, remuneration and social security45€35k€28k▼
Taxes450/3€35k€28k▼
Other amounts payable47/48€208k€104k▼
Accrued charges and deferred income492/3-€253
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€174k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€10k€110k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€376k€439k▲
Operating profit (loss)9901€318k€153k▼
Financial income75/76B€935€8k▲
Recurring financial income75€935€8k▲
Financial charges65/66B€230k€248k▲
Recurring financial charges65€230k€248k▲
Profit (loss) for the period before taxes9903€89k€-86k▼
Income taxes67/77€664€845▲
Profit (loss) for the period9904€88k€-87k▼
Profit (loss) for the period to be appropriated9905€88k€-87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€-87k▼
Transfer from equity791/2-€87k
Transfer to equity691/2€88k-
To other reserves6921€88k-
The notes to these accounts (15 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Weakest financial yearnet €-87k ▼199%
Net result drops to €-87k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 143 days late
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2019net €267k ▲74.7%
Operating result €470k, net result €267k, both a record.
30-06
Financial
Equity above €1MEq €1.14M ▲30.6%
2 profitable years in a row build equity to €1.14M.
21-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
30-06
Financial
Back to profitnet €153k
Net result €153k after one loss-making year.
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
27-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 34 days late
2016
21-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Tubize · 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.
Rue François Englert 101480 TubizeGround area
9,087 m²
Building footprint
298 m²
Volume, LiDAR
1,479 m³
2 parcels, Flanders, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTERCONCEPT
since 20132.226.253.631
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23017E0226/00G003 | Flanders | 5,844 m² | 1 · 298 m² | 9.4 m · 2 fl. |
| 25105A0528/00B000 | Wallonia | 3,243 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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TRANSPORTS MAISTRIAUX
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GENTRI
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 24,705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2013
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.