INTERDESIGN
ActiveSummary
The computed 12-month bankruptcy probability of INTERDESIGN is 2.0% (moderate). The 2025 annual accounts show equity of €34,422 and a net result of €2,240. Equity has been growing by about 21% per year since 2018. Its solvency ranks better than 18% of 9,898 sector peers (NACE 43, financial year 2025). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 31-05-1989 Normal situation
- Activity
- Other building finishing work NACE 43350and 1 other
- Establishment units
- 2.045.122.264 2440 Geel, since 06-10-1989
- 2.185.405.644 2450 Meerhout, since 01-01-2006
- Financial year end
- 31 December
- Peppol
- Reachable since 13-11-2025
Board and ownership
- VERDONCK LudoManaging director
- CV ConsultancyDirector · since 09-02-2024 · permanent representative Verheyen Chis
- GS CONSULTANCYDirector · since 09-02-2024 · permanent representative Sprengers Geert
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.0%
- Gross margin
- €16,826
- ▼ 11.6%
- Turnover
- ≈ €180,000
- estimated
- Profit
- €2,240
- ▼ 40.0%
- Equity
- €34,422
- ▲ 7.0%
- Total assets
- €201,961
- ▲ 0.2%
- 2025 accounts filed 54 days after the deadline
Score breakdownraises riskSector: Specialised construction activities (NACE 43)Last filed accounts filed 54 days late; 2 of the last 3 accounts lateLiquidity: current ratio 0.18, cash €98, halvedlowers riskFounded in 1989Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 19% of them on solvency, 23% on liquidity, 26% on profitability and 50% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 2 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 54 days after the deadline Filed on 23 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00523047.
Annual accounts 2025 filed on 23-09-2026 at the NBB all 36 filings
Every figure per financial year
The operating result for 2025 is 20% lower than in 2024 and the lowest since 2021.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Mortgages, amount registered | €27,500 | €27,500 | €27,500 | €27,500 | €27,500 |
| Mortgage mandates | - | €321,200 | €321,200 | €321,200 | €321,200 |
| Carrying value of the mortgaged assets | €215,115 | €206,032 | €208,389 | €198,679 | €189,780 |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €12,200 | - | - |
| Depreciation and write-downs of the year | €9,511 | €9,084 | €9,842 | €9,710 | €8,899 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,994 | €13,748 | €13,748 | €9,511 | €9,084 | €9,842 | €9,710 | €8,899 | ▼ 8.4% |
| Other operating charges640/8 | - | - | - | €1,925 | €1,839 | €2,004 | €2,304 | €2,275 | ▼ 1.3% |
| Gross operating margin9900 | €21,754 | €23,005 | €22,833 | €20,984 | €19,660 | €18,705 | €19,044 | €16,826 | ▼ 11.6% |
| Operating profit (loss)9901 | €7,063 | €7,533 | €7,223 | €9,548 | €8,738 | €6,858 | €7,031 | €5,653 | ▼ 19.6% |
| Financial income75/76B | - | - | - | €478 | €429 | €3 | €0 | €0 | ▲ 100% |
| Recurring financial income75 | - | - | - | €478 | €429 | €3 | €0 | €0 | ▲ 100% |
| Financial charges65/66B | - | - | - | €3,418 | €3,151 | €2,858 | €3,295 | €3,413 | ▲ 3.6% |
| Recurring financial charges65 | €4,605 | €4,109 | €3,739 | €3,418 | €3,151 | €2,858 | €3,295 | €3,413 | ▲ 3.6% |
| Profit (loss) for the period before taxes9903 | €2,458 | €3,424 | €3,484 | €6,608 | €6,016 | €4,004 | €3,736 | €2,240 | ▼ 40.0% |
| Profit (loss) for the period9904 | €2,458 | €3,424 | €3,484 | €6,608 | €6,016 | €4,004 | €3,736 | €2,240 | ▼ 40.0% |
| Profit (loss) for the period to be appropriated9905 | €2,458 | €3,424 | €3,484 | €6,608 | €6,016 | €4,004 | €3,736 | €2,240 | ▼ 40.0% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €261,101 | €249,898 | €234,428 | €221,771 | €208,674 | €217,505 | €201,532 | €201,961 | ▲ 0.2% |
| Fixed assets21/28 | €244,575 | €238,374 | €224,626 | €215,115 | €206,032 | €208,389 | €198,679 | €189,780 | ▼ 4.5% |
| Tangible fixed assets22/27 | €244,575 | €238,374 | €224,626 | €215,115 | €206,032 | €208,389 | €198,679 | €189,780 | ▼ 4.5% |
| Land and buildings22 | - | - | - | €215,115 | €206,032 | €208,389 | €198,679 | €189,780 | ▼ 4.5% |
| Current assets29/58 | €16,526 | €11,523 | €9,802 | €6,655 | €2,643 | €9,116 | €2,853 | €12,180 | ▲ 327% |
| Amounts receivable within one year40/41 | €2,394 | €6,573 | €6,063 | €2,776 | €992 | €5,898 | €1,473 | €10,953 | ▲ 644% |
| Trade receivables40 | - | - | - | €2,776 | €992 | €5,898 | €1,473 | €10,953 | ▲ 644% |
| Cash at bank and in hand54/58 | €13,353 | €4,950 | €2,892 | €2,992 | €668 | €2,159 | €281 | €98 | ▼ 65.2% |
| Deferred charges and accrued income490/1 | - | - | - | €887 | €983 | €1,059 | €1,099 | €1,129 | ▲ 2.7% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €261,101 | €249,898 | €234,428 | €221,771 | €208,674 | €217,505 | €201,532 | €201,961 | ▲ 0.2% |
| Equity10/15 | €4,909 | €8,334 | €11,818 | €18,426 | €24,442 | €28,446 | €32,182 | €34,422 | ▲ 7.0% |
| Contributions10/11 | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | = |
| Capital10 | - | - | - | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | = |
| Issued capital100 | - | - | - | €223,104 | €223,104 | €223,104 | €223,104 | €223,104 | = |
| Profit (loss) carried forward14 | -€218,195 | -€214,771 | -€211,287 | -€204,678 | -€198,662 | -€194,658 | -€190,922 | -€188,682 | ▲ 1.2% |
| Amounts payable17/49 | €256,192 | €241,564 | €222,611 | €203,345 | €184,232 | €189,059 | €169,351 | €167,538 | ▼ 1.1% |
| Amounts payable after more than one year17 | €235,128 | €216,061 | €196,481 | €176,569 | €155,968 | €134,740 | €112,865 | €97,914 | ▼ 13.2% |
| Financial debts170/4 | - | - | - | €78,656 | €58,054 | €36,826 | €14,952 | - | - |
| Other amounts payable178/9 | - | - | - | €97,914 | €97,914 | €97,914 | €97,914 | €97,914 | = |
| Amounts payable within one year42/48 | €21,064 | €25,342 | €26,130 | €26,775 | €28,233 | €54,285 | €56,435 | €68,499 | ▲ 21.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €19,993 | €20,601 | €21,228 | €21,874 | €14,952 | ▼ 31.6% |
| Trade debts44 | €2,496 | €6,274 | €4,898 | €4,979 | €2,823 | €19,130 | €4,150 | €15,390 | ▲ 271% |
| Suppliers440/4 | - | - | - | €4,979 | €2,823 | €19,130 | €4,150 | €15,390 | ▲ 271% |
| Advances received on contracts in progress46 | - | - | - | - | - | - | €1,210 | - | - |
| Taxes, remuneration and social security45 | - | - | - | €1,729 | €2,930 | €1,393 | €1,508 | €1,348 | ▼ 10.5% |
| Taxes450/3 | - | - | - | €1,729 | €2,930 | €1,393 | €1,508 | €1,348 | ▼ 10.5% |
| Other amounts payable47/48 | - | - | - | €74 | €1,878 | €12,532 | €27,692 | €36,809 | ▲ 32.9% |
| Accrued charges and deferred income492/3 | - | - | - | - | €31 | €35 | €51 | €1,126 | ▲ 22× |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,458 | €3,424 | €3,484 | €6,608 | €6,016 | €4,004 | €3,736 | €2,240 | ▼ 40.0% |
| + Depreciation and write-downs630 | €12,994 | €13,748 | €13,748 | €9,511 | €9,084 | €9,842 | €9,710 | €8,899 | ▼ 8.4% |
| Operating cash flow (approximation) | €15,451 | €17,173 | €17,232 | €16,119 | €15,100 | €13,846 | €13,446 | €11,139 | ▼ 17.2% |
| Investment in fixed assets (approximation) | - | -€7,547 | €0 | €0 | €0 | -€12,200 | €0 | €0 | - |
| Change in cash | - | -€8,402 | -€2,058 | €100 | -€2,324 | €1,490 | -€1,877 | -€183 | ▲ 90.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 3,984 companies had the same profile as INTERDESIGN has now. Two years later, 96.5% were still going and 1.1% had gone bankrupt.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of INTERDESIGN itself is higher: 2.0% within 12 months. It rests on far more data about INTERDESIGN than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,984 companies, not a prediction for INTERDESIGN. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 36 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 23-09-2026 | 2026-00523047 | |
| 31-12-2024 | micro format | 30-09-2025 | 2025-00525606 | |
| 31-12-2023 | micro format | 31-07-2024 | 2024-00330574 | |
| 31-12-2022 | micro format | 24-04-2023 | 2023-00067438 | |
| 31-12-2021 | micro format | 23-05-2022 | 2022-20033604 | |
| 31-12-2020 | micro format | 30-07-2021 | 2021-44600256 | |
| 31-12-2019 | micro format | 09-09-2020 | 2020-51900447 | |
| 31-12-2018 | micro format | 30-09-2019 | 2019-67700514 | |
| 31-12-2017 | micro format | 30-08-2018 | 2018-60300396 | |
| 31-12-2016 | micro format | 28-09-2017 | 2017-65200255 |
Board & ownership
Directors
Board 4
Day-to-day management 1
Permanent representatives 3
Owners and capital
Capital transactions
- 13-02-2024 Capital stated in the deed · €223,104.17 · 900 shares
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| CV Consultancy |
|
| GS CONSULTANCY |
|
| Gysbrechts-Huybrechts |
|
| VERDONCK Ludo |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “3, algemene vergadering te allen tijde zonder opgave redenen met onmiddellijke ingang”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Alle verrichtingen vermeld in de wet, algemene vergadering bij gewone meerderheid van stemmen”
Articles of association, deed of 13-02-2024 (in Dutch)
Network & group
Companies at the same address
1 other companyConnections & network
1 connected companyThe connected companies are in the list below.
Timeline
Acts, filings and financial milestones
13-02
Gazette deed
Purpose · Amendment of the articles · Resignations & appointmentsChange of role: VERDONCK Ludo, from director to gedelegeerd bestuurder · Resignations: Gysbrechts-Huybrechts, CV Consultancy and GS Consultancy · Reappointments: VERDONCK Ludo, Gysbrechts-Huybrechts and 2 others19 points ▸
- General meeting, 09-02-2024
- Incorporation, 31-05-1989
- Other provision, “verklaring, statuten ongewijzigd tot op heden” (deed in Dutch)
- Amendment of the articles, mentioned 2 times in the deed
- Purpose change
- Capital, €223,104.17
- Other provision, “BE0437.588.675, inschrijving” (deed in Dutch)
- Director resignation, VERDONCK Ludo (director)
- Director resignation, Gysbrechts-Huybrechts (director)
- Director resignation, CV Consultancy (director)
- Director resignation, GS Consultancy (director)
- Director reappointment, VERDONCK Ludo (director)
- The act holds 7 more points.
24-05
Gazette deed
4 directors appointed, 1 reappointedAppointments: Verdonck Ludo, Gysbrechts-Huybrechts and 2 others · Permanent representatives: Gysbrechts Patrick, Verheyen Chis and Sprengers Geert · Reappointment: Verdonck Ludo (managing director)10 points ▸
- General meeting, 22-04-2022
- Director appointment, Verdonck Ludo (director)
- Director appointment, Gysbrechts-Huybrechts (director)
- Director appointment, CV Consultancy (director)
- Director appointment, GS Consultancy (director)
- Permanent representative, Gysbrechts Patrick
- Permanent representative, Verheyen Chis
- Permanent representative, Sprengers Geert
- Board meeting, “Raad van Bestuur” (deed in Dutch)
- Director reappointment, Verdonck Ludo (managing director)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
20 activities
- Aan- en verkoop van bouwmaterialen;
- Renovatie van gevels en gebouwen;
- Montagewerken – architectuur;
- Restauratiewerken – alle uitvoeringen in steen;
- Ter beschikking stellen van tentoonstellingsruimten;
- Uitvoeren van decoratiewerken;
- Aanneming voor het aanleggen van tuinen en parken,speelpleinen en sportvelden,voor eigen rekening als voor derden;
- Klein- en groothandel in planten,tuinversiering en tuinartikelen;
- Invoer en uitvoer van tuindecoratie zowel voor binnen- als voor buitentuinen;
- Ontwerpen van tuinaanleg en interieur;
- Invoer en uitvoer,leveren,plaatsen verhandelen,onderhouden van omheiningen en afrasteringen,tuinverlichting en aanverwanten;
- Inrichten van binnentuinen;
- Klein- en groothandel van tuinmeubelen en potterie;
- Kleinhandel in huishoudelijke artikelen;
- Meubileringartikelen,stoffen en tafellinnen;
- Kleinhandel in luxe- en precisieartikelen,kunstvoorwerpen en fantasieartikelen;
- De aankoop,de verkoop van alle onroerende goederen,zowel onbebouwde als bebouwde aller aard;de bemiddeling bij dergelijke operatie,de oprichting,de aanpassing en de herstelling voor eigen rekening of voor derden ten titel van aanneming van alle gebouwen of constructies;
- Het verkavelen,uitrusten en tot waarde brengen van alle onroerende goederen voor eigen rekening en voor rekening van derden;
- Het in eigendom behouden en uitbaten van alle onroerende goederen,zowel onbebouwde als gebouwen,het verhuren,huren,onderverhuren of onderhuren,beheren voor eigen rekening of voor rekening van derden van alle onroerende goederen;
- Het in leasing nemen of geven van alle onroerende goederen;
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0437.588.675
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13021B1015/00F000 | Flanders | 380 m² | 1 · 174 m² | 10.3 m · 2 |
| 13008H0233/00T002 | Flanders | 306 m² | 1 · 157 m² | 12.0 m · 2 |