Summary
INTERCONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €266k and a net result of €72k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 1475 sector peers (fiscal year 2025). The company has been active since 1974 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
7 d early
2023
5 d early
2022
12 d early
2021
17 d early
2020
31 d early
2019
23 d early
← 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, abbreviated schema
Equity
€266k▲ 37.3%
2024 · €194k
2018: €72k
2019: €77k
2020: €105k
2021: €137k
2022: €171k
2023: €174k
2024: €194k
2018 → 2025
Net result
€72k▲ 273%
2024 · €19k
2018: €17k
2019: €30k
2020: €38k
2021: €32k
2022: €34k
2023: €3k
2024: €19k
2018 → 2025
Total assets
€287k▲ 39.0%
2024 · €206k
2018: €88k
2019: €105k
2020: €129k
2021: €154k
2022: €186k
2023: €185k
2024: €206k
2018 → 2025
Solvency
92.7%▼ 1.1pp
2024 · 93.9%
2018: 81.7%
2019: 73.5%
2020: 81.9%
2021: 89.1%
2022: 92.2%
2023: 94.2%
2024: 93.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€171k▲ 24.8%€174k▲ 1.8%€194k▲ 11.1%€266k▲ 37.3%
Operating result€50k-€52k▲ 5.6%€51k▼ 3.4%€34k▼ 33.0%€99k▲ 192%
Net result€32k-€34k▲ 7.2%€3k▼ 91.0%€19k▲ 535%€72k▲ 273%
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 recovers in 2025; 2025 is 192% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €287k
Fixed assets
€2k ▲ 69.9%
Current assets
€285k ▲ 38.9%
Equity and liabilities €287k
Equity
€266k ▲ 37.3%
Debt
€21k ▲ 64.9%
Debt's share of the balance-sheet total rises from 6.1% to 7.3%. Equity and debt are higher.
Key figures and ratios
ROE
27.2%▲
2024 · 10.0%
ROA
25.2%▲
2024 · 9.4%
Debt ≤ 1 year
€21k▲
2024 · €13k
Income taxes
€31k▲
2024 · €18k
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 · 37 lines
Balance sheet
Code20242025
Assets
Total assets20/58€206k€287k▲
Fixed assets21/28€917€2k▲
Tangible fixed assets22/27€917€2k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€917€403▼
Current assets29/58€205k€285k▲
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€9k€7k▼
Other amounts receivable41€4k€5k▲
Current investments50/53€150k-
Cash at bank and in hand54/58€42k€273k▲
Equity and liabilities
Total equity and liabilities10/49€206k€287k▲
Equity10/15€194k€266k▲
Contributions10/11-€56k
Reserves13€194k€210k▲
Distributable reserves133€194k€210k▲
Amounts payable17/49€13k€21k▲
Amounts payable within one year42/48€13k€21k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€120€520▲
Gross operating margin9900€35k€101k▲
Operating profit (loss)9901€34k€99k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€38€37▼
Recurring financial charges65€38€37▼
Profit (loss) for the period before taxes9903€37k€103k▲
Income taxes67/77€18k€31k▲
Profit (loss) for the period9904€19k€72k▲
Profit (loss) for the period to be appropriated9905€19k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€72k▲
Transfer to equity691/2€19k€72k▲
To other reserves6921€19k€72k▲
The notes to these accounts (5 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €72k ▲273%
Operating result €99k, net result €72k, both a record.
31-12
Financial
Equity above €200kEq €266k ▲37.3%
8 profitable years in a row build equity to €266k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €3k ▼91%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €150kEq €171k ▲24.8%
5 profitable years in a row build equity to €171k.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €105k ▲37%
3 profitable years in a row build equity to €105k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Riemst · 1 establishment unit since 1996
Ground area
3,028 m²
Building footprint
462 m²
Volume, LiDAR
1,821 m³
2 parcels, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Kapellekensbaan 44, 3720 Hasselt
since 19962.010.015.390
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0556/00A000 | Flanders | 2,801 m² | 1 · 301 m² | 8.5 m · 1 fl. |
| 73027B0450/00G000 | Flanders | 227 m² | 1 · 161 m² | 10.1 m · 2 fl. |
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.
Similar companies · same sector, comparable size
VANDENBULCKE-DEBEUCKELAERE
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EUFISERV PAYMENTS
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DEVIMCO RE
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Kortrijk · Eq €266,992
VIC-ART
BE 0832.008.986
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ONESTA
BE 0540.845.670
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 633 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-1974
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.