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 1,846 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.
Overview
Activity
Other activities auxiliary to financial services, excluding insurance and pension funding
NACE 66199
Oldest company in Riemst, Finance and insurance sector1 site
Size
≈ €210,000turnover 2025, estimated
- Equity
- €265,788
- Profit
- €72,207
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
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 days early
2024
176 days late
2023
541 days late
2022
12 days early
2021
17 days early
2020
31 days early
2019
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 90 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (4 of the last 5 filed years within 179 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Annual accounts filedfinancial year 2024 · abbreviated…
- Annual accounts filedfinancial year 2023 · abbreviated…
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. The turnover shown is an estimate from the gross margin.
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 1,467 active companies whose main activity is other activities auxiliary to financial services, excluding insurance and pension funding (NACE 66199), figures are known for 930. 643 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.
Directors
Directors
1 director, no change since 2023
REYNDERS Marina, Jozefina, Martha
CurrentDirector (not named in the articles) · since 06-11-2023
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Mandate history
1 person since 2023, 1 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| REYNDERS Marina, Jozefina, Martha |
|
Owners and capital
Capital and shareholders
Capital over the years
- 06-11-2023 Converted to unavailable equity · €56,000
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format
23-01
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format · 176 days late
23-01
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format · 541 days late
2025
31-12
Financial
Highest result from 2018 to 2025net €72,207 ▲273%
Operating result €98,922, net result €72,207, both a record.
31-12
Financial
Equity above €200,000equity €265,788 ▲37.3%
A profit in every financial year since 2018 builds equity to €265,788.
2023
31-12
Financial
Weakest financial yearnet €3,046 ▼91%
Net result drops to €3,046, the lowest in the series; recovery starts the following year.
06-11
Gazette deed
Resignation: REYNDERS Marina, Jozefina, Martha (manager)Appointment: REYNDERS Marina, Jozefina, Martha (director) · Capital · Registered office clause13 facts ▸
Gazette deed
Resignation: REYNDERS Marina, Jozefina, Martha (manager)
Appointment: REYNDERS Marina, Jozefina, Martha (director) · Capital · Registered office clause13 facts ▸
- Capital
- Director resignation, REYNDERS Marina, Jozefina, Martha (manager)
- Director appointment, REYNDERS Marina, Jozefina, Martha (director (not named in the articles))
- Registered office clause, “3770 Riemst, de la Brassinnestraat 6” (deed in Dutch)
- Power of attorney
- Power of attorney, Maarten BUNKENS
- General meeting, 30-10-2023
- Other provision, “aanpassing statuten aan WVV en behoud rechtsvorm BV, behoud besloten vennootschap” (deed in Dutch)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Reserve release, “opheffing, middelen beschikbaar voor uitkering” (deed in Dutch)
- Name change, INTERCONSULT
- Purpose change
- +1 further fact in this act
19-07
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format
2022
31-12
Financial
Equity above €150,000equity €171,188 ▲24.8%
A profit in every financial year since 2018 builds equity to €171,188.
14-07
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format
2021
30-06
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
31-12
Financial
Equity above €100,000equity €105,440 ▲37%
A profit in every financial year since 2018 builds equity to €105,440.
Show earlier events
08-07
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
27-06
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
12-07
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
04-07
NBB filing
Annual accounts filed
financial year 2016 · micro format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 49 annual accounts filed, the latest 10 are here; all 49 are under Financials.
1 of 1 deed read
Register details
Identification
Legal formPrivate limited company
Founded27-06-1974
Financial year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0414307487
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Riemst · 1 establishment unit since 1996
Ground area
3,028 m²
Building footprint
462 m²
Building volume
1,821 m³
2 parcels, Flanders · tallest building 10.1 m. 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 1996unit no. 2.010.015.390
2 parcels
Flanders
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73040C0556/00A000 | Flanders | 2,801 m² | 1 · 301 m² | 8.5 m · 1 |
| 73027B0450/00G000 | Flanders | 227 m² | 1 · 161 m² | 10.1 m · 2 |
How the parcels are linked
Good to know
Both parcels match the address exactly.
Articles of association
What the company does
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- INTERCONSULT
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, vestiging administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland bij enkel…” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “1, onbepaalde duur” (deed in Dutch)
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Op naam, register van aandelen op naam met WVV-vermeldingen” (deed in Dutch)
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
- Share issue ruleHow and by whom new shares can be issued.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Monday of May at 19:00
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vormen vereist voor statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Één of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen, om welke reden en op welk ogenblik ook” (deed in Dutch)