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 €265,788 and a net result of €72,207. Equity is growing by about 20% per year across the filed financial years. Its solvency ranks better than 94% of 1,831 sector peers (NACE 66, financial year 2025). The company has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
In the rankings
#1 oldest company in Riemst, Finance and insurance sector
Equity
€265,788▲ 37.3%
2024 · €193,581
Net result
€72,207▲ 273%
2024 · €19,347
Total assets
€286,587▲ 39.0%
2024 · €206,193
Solvency
92.7%▼ 1.1pp
2024 · 93.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 192% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€98,922
2025
Net result€72,207
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€286,587
2025
Equity€265,788
2025
Debt€20,799
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€264,230
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)25.2%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency92.7%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio13.70
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€16,544-€37,646▲ 128%€49,795▲ 32.3%€49,658▼ 0.3%€52,416▲ 5.6%€50,614▼ 3.4%€33,892▼ 33.0%€98,922▲ 192%
Net result€17,301-€30,201▲ 74.6%€38,471within the sector's middle half▲ 27.4%€31,738within the sector's middle half▼ 17.5%€34,009within the sector's middle half▲ 7.2%€3,046below the sector's middle half▼ 91.0%€19,347within the sector's middle half▲ 535%€72,207within the sector's middle half▲ 273%
Equity€71,768-€76,970▲ 7.2%€105,440within the sector's middle half▲ 37.0%€137,179within the sector's middle half▲ 30.1%€171,188within the sector's middle half▲ 24.8%€174,234within the sector's middle half▲ 1.8%€193,581within the sector's middle half▲ 11.1%€265,788within the sector's middle half▲ 37.3%
Total assets€87,804-€104,662▲ 19.2%€128,799below the sector's middle half▲ 23.1%€153,935below the sector's middle half▲ 19.5%€185,668below the sector's middle half▲ 20.6%€185,013below the sector's middle half▼ 0.4%€206,193below the sector's middle half▲ 11.4%€286,587below the sector's middle half▲ 39.0%
Debt€16,036-€27,692▲ 72.7%€23,359▼ 15.6%€16,756▼ 28.3%€14,480▼ 13.6%€10,779▼ 25.6%€12,612▲ 17.0%€20,799▲ 64.9%
Working capital€71,342-€76,970▲ 7.9%€103,883within the sector's middle half▲ 35.0%€135,317within the sector's middle half▲ 30.3%€169,971within the sector's middle half▲ 25.6%€172,268within the sector's middle half▲ 1.4%€192,664within the sector's middle half▲ 11.8%€264,230within the sector's middle half▲ 37.1%
Solvency81.7%-73.5%▼ 8.2pp81.9%above the sector's middle half▲ 8.3pp89.1%above the sector's middle half▲ 7.3pp92.2%above the sector's middle half▲ 3.1pp94.2%above the sector's middle half▲ 2.0pp93.9%above the sector's middle half▼ 0.3pp92.7%above the sector's middle half▼ 1.1pp
Current ratio5.45-3.78▼ 1.675.45above the sector's middle half▲ 1.679.09above the sector's middle half▲ 3.6512.74above the sector's middle half▲ 3.6416.98above the sector's middle half▲ 4.2416.28above the sector's middle half▼ 0.7113.70above the sector's middle half▼ 2.57
Return on assets (ROA)19.7%-28.9%▲ 9.2pp29.9%above the sector's middle half▲ 1.0pp20.6%above the sector's middle half▼ 9.3pp18.3%above the sector's middle half▼ 2.3pp1.6%below the sector's middle half▼ 16.7pp9.4%within the sector's middle half▲ 7.7pp25.2%above the sector's middle half▲ 15.8pp
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated or micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €286,587
Fixed assets
€1,558 ▲ 69.9%
Current assets
€285,029 ▲ 38.9%
Equity and liabilities €286,587
Equity
€265,788 ▲ 37.3%
Debt
€20,799 ▲ 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%
Debt ≤ 1 year
€20,799▲
2024 · €12,612
Income taxes
€30,676▲
2024 · €17,890
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €853 | €426 | €141 | €431 | €682 | €794 | €1,049 | €1,059 | ▲ 1.0% |
| Other operating charges640/8 | - | - | - | €472 | €62 | €62 | €120 | €520 | ▲ 333% |
| Gross operating margin9900 | €18,959 | €39,515 | €51,338 | €50,560 | €53,160 | €51,470 | €35,061 | €100,501 | ▲ 187% |
| Operating profit (loss)9901 | €16,544 | €37,646 | €49,795 | €49,658 | €52,416 | €50,614 | €33,892 | €98,922 | ▲ 192% |
| Financial income75/76B | - | - | - | - | €349 | €129 | €3,382 | €3,998 | ▲ 18.2% |
| Recurring financial income75 | €869 | €652 | €337 | - | €349 | €129 | €3,382 | €3,998 | ▲ 18.2% |
| Financial charges65/66B | - | - | - | €68 | €31 | €31 | €38 | €37 | ▼ 1.9% |
| Recurring financial charges65 | €112 | €167 | €234 | €68 | €31 | €31 | €38 | €37 | ▼ 1.9% |
| Profit (loss) for the period before taxes9903 | €17,301 | €38,131 | €49,898 | €49,589 | €52,733 | €50,712 | €37,237 | €102,883 | ▲ 176% |
| Income taxes67/77 | - | €7,930 | €11,427 | €17,851 | €18,724 | €47,666 | €17,890 | €30,676 | ▲ 71.5% |
| Profit (loss) for the period9904 | €17,301 | €30,201 | €38,471 | €31,738 | €34,009 | €3,046 | €19,347 | €72,207 | ▲ 273% |
| Profit (loss) for the period to be appropriated9905 | €17,301 | €30,201 | €38,471 | €31,738 | €34,009 | €3,046 | €19,347 | €72,207 | ▲ 273% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €87,804 | €104,662 | €128,799 | €153,935 | €185,668 | €185,013 | €206,193 | €286,587 | ▲ 39.0% |
| Fixed assets21/28 | €426 | - | €1,557 | €1,899 | €1,217 | €1,966 | €917 | €1,558 | ▲ 69.9% |
| Tangible fixed assets22/27 | €426 | €0 | €1,557 | €1,899 | €1,217 | €1,966 | €917 | €1,558 | ▲ 69.9% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | - | €1,155 | - |
| Furniture and vehicles24 | - | - | - | €1,899 | €1,217 | €1,966 | €917 | €403 | ▼ 56.1% |
| Current assets29/58 | €87,378 | €104,662 | €127,242 | €152,036 | €184,452 | €183,047 | €205,276 | €285,029 | ▲ 38.9% |
| Amounts receivable within one year40/41 | €30,306 | €25,988 | €18,501 | €14,215 | €15,398 | €11,421 | €13,106 | €11,532 | ▼ 12.0% |
| Trade receivables40 | - | - | - | €14,215 | €9,708 | €9,207 | €8,753 | €6,663 | ▼ 23.9% |
| Other amounts receivable41 | - | - | - | - | €5,691 | €2,214 | €4,353 | €4,870 | ▲ 11.9% |
| Current investments50/53 | - | - | - | - | - | €100,000 | €150,000 | - | - |
| Cash at bank and in hand54/58 | €57,072 | €78,674 | €108,741 | €137,821 | €169,053 | €71,626 | €42,170 | €273,496 | ▲ 549% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €87,804 | €104,662 | €128,799 | €153,935 | €185,668 | €185,013 | €206,193 | €286,587 | ▲ 39.0% |
| Equity10/15 | €71,768 | €76,970 | €105,440 | €137,179 | €171,188 | €174,234 | €193,581 | €265,788 | ▲ 37.3% |
| Contributions10/11 | €56,000 | €56,000 | - | €56,000 | €56,000 | - | - | €56,000 | - |
| Contributions outside capital11 | - | - | - | €56,000 | €56,000 | - | - | - | - |
| Share premium1100/10 | - | - | - | €56,000 | €56,000 | - | - | - | - |
| Reserves13 | €15,768 | €20,970 | €49,440 | €81,179 | €115,188 | €174,234 | €193,581 | €209,788 | ▲ 8.4% |
| Non-distributable reserves130/1 | - | - | - | €5,600 | €5,600 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €5,600 | €5,600 | - | - | - | - |
| Distributable reserves133 | - | - | - | €75,579 | €109,588 | €174,234 | €193,581 | €209,788 | ▲ 8.4% |
| Amounts payable17/49 | €16,036 | €27,692 | €23,359 | €16,756 | €14,480 | €10,779 | €12,612 | €20,799 | ▲ 64.9% |
| Amounts payable within one year42/48 | €16,036 | €27,692 | €23,359 | €16,719 | €14,480 | €10,779 | €12,612 | €20,799 | ▲ 64.9% |
| Trade debts44 | €108 | - | €129 | €1,237 | €4,055 | €4,630 | €3,971 | €7,181 | ▲ 80.8% |
| Suppliers440/4 | - | - | - | €1,237 | €4,055 | €4,630 | €3,971 | €7,181 | ▲ 80.8% |
| Taxes, remuneration and social security45 | - | - | - | €11,059 | €10,426 | €6,149 | €8,642 | €13,618 | ▲ 57.6% |
| Taxes450/3 | - | - | - | €11,059 | €10,426 | €6,149 | €8,642 | €13,618 | ▲ 57.6% |
| Other amounts payable47/48 | - | - | - | €4,422 | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | €37 | - | - | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €17,301 | €30,201 | €38,471 | €31,738 | €34,009 | €3,046 | €19,347 | €72,207 | ▲ 273% |
| + Depreciation and write-downs630 | €853 | €426 | €141 | €431 | €682 | €794 | €1,049 | €1,059 | ▲ 1.0% |
| Operating cash flow (approximation) | €18,154 | €30,627 | €38,612 | €32,169 | €34,692 | €3,840 | €20,396 | €73,266 | ▲ 259% |
| Investment in fixed assets (approximation) | - | - | - | -€773 | €0 | -€1,543 | €0 | -€1,700 | - |
| Change in cash | - | €21,602 | €30,067 | €29,080 | €31,233 | -€97,427 | -€29,456 | €231,326 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 49 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 28-07-2026 | 2026-00350966 |
| 31-12-2024 | abbreviated format | 23-01-2026 | 2026-00012515 |
| 31-12-2023 | abbreviated format | 23-01-2026 | 2026-00012684 |
| 31-12-2022 | abbreviated format | 19-07-2023 | 2023-00249856 |
| 31-12-2021 | abbreviated format | 14-07-2022 | 2022-20185491 |
| 31-12-2020 | micro format | 30-06-2021 | 2021-27500564 |
| 31-12-2019 | micro format | 08-07-2020 | 2020-27600207 |
| 31-12-2018 | micro format | 27-06-2019 | 2019-23800391 |
| 31-12-2017 | micro format | 12-07-2018 | 2018-32400411 |
| 31-12-2016 | micro format | 04-07-2017 | 2017-27600191 |
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Of the 1,472 active companies whose main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199), figures are known for 926. 642 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.