Summary
Interconnect Assurfinance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €81k and a net result of €37k. Equity is growing by ~74.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 9863 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-09-2025, 54 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
54 d late
2023
141 d late
2022
100 d late
2021
60 d late
2020
199 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€81k▲ 83.3%
2023 · €44k
2020: €-9klowest in 5 years
2021: €14k▲ +262% vs 2020
2022: €27k▲ +90.4% vs 2021
2023: €44k▲ +64.3% vs 2022
2024: €81k▲ +83.3% vs 2023highest in 5 years
2020 → 2024
Net result
€37k▲ 113%
2023 · €17k
2020: €-17klowest in 5 years
2021: €23k▲ +236% vs 2020
2022: €13k▼ -44.1% vs 2021
2023: €17k▲ +35.4% vs 2022
2024: €37k▲ +113% vs 2023highest in 5 years
2020 → 2024
Total assets
€129k▲ 38.6%
2023 · €93k
2020: €26klowest in 5 years
2021: €62k▲ +142% vs 2020
2022: €39k▼ -37.0% vs 2021
2023: €93k▲ +138% vs 2022
2024: €129k▲ +38.6% vs 2023highest in 5 years
2020 → 2024
Solvency
62.3%▲ 15.2pp
2023 · 47.1%
2020: -33.6%lowest in 5 years
2021: 22.6%▲ +167% vs 2020
2022: 68.2%▲ +202% vs 2021highest in 5 years
2023: 47.1%▼ -30.8% vs 2022
2024: 62.3%▲ +32.2% vs 2023
2020 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€49k-
Equity€-9k-€14k€27k▲ 90.4%€44k▲ 64.3%€81k▲ 83.3%
2020: €-9klowest in 5 years
2021: €14k▲ +262% vs 2020
2022: €27k▲ +90.4% vs 2021
2023: €44k▲ +64.3% vs 2022
2024: €81k▲ +83.3% vs 2023highest in 5 years
Operating result€-17k-€23k€20k▼ 15.6%€34k▲ 76.3%€56k▲ 64.0%
2020: €-17klowest in 5 years
2021: €23k▲ +239% vs 2020
2022: €20k▼ -15.6% vs 2021
2023: €34k▲ +76.3% vs 2022
2024: €56k▲ +64.0% vs 2023highest in 5 years
Net result€-17k-€23k€13k▼ 44.1%€17k▲ 35.4%€37k▲ 113%
2020: €-17klowest in 5 years
2021: €23k▲ +236% vs 2020
2022: €13k▼ -44.1% vs 2021
2023: €17k▲ +35.4% vs 2022
2024: €37k▲ +113% vs 2023highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 64% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €129k
Fixed assets
€37k ▲ 70.0%
Current assets
€92k ▲ 29.0%
Equity and liabilities €129k
Equity
€81k ▲ 83.3%
Debt
€49k ▼ 1.2%
Debt's share of the balance-sheet total falls from 52.9% to 37.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
45.4%▲
2023 · 39.1%
ROA
28.3%▲
2023 · 18.4%
Debt ≤ 1 year
€41k▼
2023 · €48k
Debt > 1 year
€7k
Income taxes
€19k▲
2023 · €16k
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 · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€93k€129k▲
Fixed assets21/28€22k€37k▲
Tangible fixed assets22/27€22k€37k▲
Furniture and vehicles24€10k€18k▲
Other tangible fixed assets26€11k€20k▲
Current assets29/58€71k€92k▲
Amounts receivable within one year40/41€13k€10k▼
Trade receivables40€5k€4k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€59k€82k▲
Deferred charges and accrued income490/1-€656
Equity and liabilities
Total equity and liabilities10/49€93k€129k▲
Equity10/15€44k€81k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€36k€73k▲
Amounts payable17/49€49k€49k▼
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€48k€41k▼
Current portion of amounts payable after more than one year42-€2k
Taxes, remuneration and social security45€19k€31k▲
Taxes450/3€19k€31k▲
Other amounts payable47/48€28k€9k▼
Accrued charges and deferred income492/3€1k-
Income statement
Code20232024
Remuneration, social security and pensions62€344-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€40k€65k▲
Operating profit (loss)9901€34k€56k▲
Financial income75/76B€48€216▲
Recurring financial income75€48€216▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€33k€55k▲
Income taxes67/77€16k€19k▲
Profit (loss) for the period9904€17k€37k▲
Profit (loss) for the period to be appropriated9905€17k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€73k▲
Profit (loss) brought forward from the previous period14P€19k€36k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €49k | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | - | - | €344 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €43 | €508 | €1k | €3k | €7k | ▲ 103% |
| Other operating charges640/8 | - | €2k | €981 | €1k | €1k | ▼ 4.0% |
| Non-recurring operating charges66A | - | - | €348 | - | - | - |
| Gross operating margin9900 | €-17k | €25k | €22k | €40k | €65k | ▲ 63.3% |
| Operating profit (loss)9901 | €-17k | €23k | €20k | €34k | €56k | ▲ 64.0% |
| Financial income75/76B | - | €3 | €573 | €48 | €216 | ▲ 351% |
| Recurring financial income75 | - | €3 | €573 | €48 | €216 | ▲ 351% |
| Financial charges65/66B | - | €410 | €139 | €2k | €1k | ▼ 21.8% |
| Recurring financial charges65 | €56 | €410 | €139 | €2k | €1k | ▼ 21.8% |
| Profit (loss) for the period before taxes9903 | €-17k | €23k | €20k | €33k | €55k | ▲ 69.1% |
| Income taxes67/77 | - | - | €7k | €16k | €19k | ▲ 20.4% |
| Profit (loss) for the period9904 | €-17k | €23k | €13k | €17k | €37k | ▲ 113% |
| Profit (loss) for the period to be appropriated9905 | €-17k | €23k | €13k | €17k | €37k | ▲ 113% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26k | €62k | €39k | €93k | €129k | ▲ 38.6% |
| Fixed assets21/28 | €1k | €973 | €2k | €22k | €37k | ▲ 70.0% |
| Tangible fixed assets22/27 | €1k | €973 | €2k | €22k | €37k | ▲ 70.0% |
| Furniture and vehicles24 | - | €973 | €2k | €10k | €18k | ▲ 69.5% |
| Other tangible fixed assets26 | - | - | - | €11k | €20k | ▲ 70.5% |
| Current assets29/58 | €24k | €61k | €37k | €71k | €92k | ▲ 29.0% |
| Amounts receivable within one year40/41 | €18k | €15k | €11k | €13k | €10k | ▼ 25.8% |
| Trade receivables40 | - | €4k | €7k | €5k | €4k | ▼ 5.6% |
| Other amounts receivable41 | - | €11k | €4k | €8k | €5k | ▼ 36.8% |
| Cash at bank and in hand54/58 | €6k | €45k | €25k | €59k | €82k | ▲ 39.9% |
| Deferred charges and accrued income490/1 | - | €785 | €1k | - | €656 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26k | €62k | €39k | €93k | €129k | ▲ 38.6% |
| Equity10/15 | €-9k | €14k | €27k | €44k | €81k | ▲ 83.3% |
| Contributions10/11 | - | €8k | €8k | €8k | €8k | = |
| Profit (loss) carried forward14 | €-17k | €6k | €19k | €36k | €73k | ▲ 102% |
| Amounts payable17/49 | €34k | €48k | €13k | €49k | €49k | ▼ 1.2% |
| Amounts payable after more than one year17 | - | - | - | - | €7k | - |
| Financial debts170/4 | - | - | - | - | €7k | - |
| Amounts payable within one year42/48 | €34k | €48k | €13k | €48k | €41k | ▼ 13.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €2k | - |
| Trade debts44 | €34k | €38k | €112 | - | - | - |
| Suppliers440/4 | - | €38k | €112 | - | - | - |
| Taxes, remuneration and social security45 | - | - | €7k | €19k | €31k | ▲ 58.7% |
| Taxes450/3 | - | - | €7k | €19k | €31k | ▲ 58.7% |
| Other amounts payable47/48 | - | €10k | €5k | €28k | €9k | ▼ 69.8% |
| Accrued charges and deferred income492/3 | - | - | - | €1k | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-17k | €23k | €13k | €17k | €37k | ▲ 113% |
| + Depreciation and write-downs630 | €43 | €508 | €1k | €3k | €7k | ▲ 103% |
| Operating cash flow (approximation) | €-17k | €23k | €14k | €21k | €43k | ▲ 111% |
| Investment in fixed assets (approximation) | - | €0 | €-3k | €-23k | €-22k | ▲ 3.2% |
| Change in cash | - | €39k | €-20k | €33k | €23k | ▼ 30.0% |
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
2026
27-08
State Gazette act
Appointment: William François (director)2 facts ▸
State Gazette act
Appointment: William François (director)
2 facts ▸
- General meeting, 23-07-2023
- Director appointment, William François (director)
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Highest result since 2020net €37k ▲113%
Operating result €56k, net result €37k, both a record.
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 141 days late
2023
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.95
Current ratio from 1.27 to 2.95; short-term debt falls from €48k to €13k.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 199 days late
2021
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2023
William François
CurrentDirector · since 23-07-2023
23-07-2023
Appointed as Director
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Estinnes · 1 establishment unit since 2020
Ground area
559 m²
Building footprint
99 m²
Volume, LiDAR
588 m³
Parcel 56023B0149/00S000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Interconnect Assurfinance
since 20202.340.500.528
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56023B0149/00S000 | Wallonia | 559 m² | 1 · 99 m² | 7.5 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.
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Of 93 companies in sector 64922 we hold annual accounts for 75. 29 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
Founded08-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.