Summary
INTERDUO 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 €389,860 and a net result of €146,898. Equity is growing by about 3.8% per year across the filed financial years. Its solvency ranks better than 71% of 1,835 sector peers (NACE 66, financial year 2025). The company has been active since 1993 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (61 days) Filed on 30 September 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00535023.
Equity
€389,860▲ 13.7%
2024 · €342,961
Net result
€146,898▲ 23.7%
2024 · €118,742
Total assets
€614,441▲ 3.8%
2024 · €591,998
Solvency
63.4%▲ 5.5pp
2024 · 57.9%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% 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€188,486
2025
Net result€146,898
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€614,441
2025
Equity€389,860
2025
Debt€224,582
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€373,712
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)23.9%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency63.4%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.75
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1.8
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), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€67,636-€136,738▲ 102%€75,562▼ 44.7%€67,751▼ 10.3%€110,226▲ 62.7%€55,554▼ 49.6%€156,716▲ 182%€188,486▲ 20.3%
Net result€46,399-€92,104▲ 98.5%€52,285within the sector's middle half▼ 43.2%€46,293within the sector's middle half▼ 11.5%€78,624within the sector's middle half▲ 69.8%€33,187within the sector's middle half▼ 57.8%€118,742within the sector's middle half▲ 258%€146,898within the sector's middle half▲ 23.7%
Equity€271,726-€313,830▲ 15.5%€316,115within the sector's middle half▲ 0.7%€312,409within the sector's middle half▼ 1.2%€341,032within the sector's middle half▲ 9.2%€324,219within the sector's middle half▼ 4.9%€342,961within the sector's middle half▲ 5.8%€389,860within the sector's middle half▲ 13.7%
Total assets€598,172-€431,485▼ 27.9%€427,042below the sector's middle half▼ 1.0%€468,520within the sector's middle half▲ 9.7%€495,976within the sector's middle half▲ 5.9%€483,091within the sector's middle half▼ 2.6%€591,998within the sector's middle half▲ 22.5%€614,441within the sector's middle half▲ 3.8%
Debt€326,446-€117,655▼ 64.0%€110,926▼ 5.7%€156,111▲ 40.7%€154,944▼ 0.7%€158,872▲ 2.5%€249,037▲ 56.8%€224,582▼ 9.8%
Working capital-€5,198-€244,274€302,686within the sector's middle half▲ 23.9%€313,404within the sector's middle half▲ 3.5%€340,636within the sector's middle half▲ 8.7%€322,779within the sector's middle half▼ 5.2%€334,129within the sector's middle half▲ 3.5%€373,712above the sector's middle half▲ 11.8%
Solvency45.4%-72.7%▲ 27.3pp74.0%above the sector's middle half▲ 1.3pp66.7%above the sector's middle half▼ 7.3pp68.8%above the sector's middle half▲ 2.1pp67.1%within the sector's middle half▼ 1.6pp57.9%within the sector's middle half▼ 9.2pp63.4%within the sector's middle half▲ 5.5pp
Current ratio0.98-3.32▲ 2.333.93above the sector's middle half▲ 0.623.49above the sector's middle half▼ 0.443.48above the sector's middle half=3.20within the sector's middle half▼ 0.292.47within the sector's middle half▼ 0.732.75within the sector's middle half▲ 0.28
Return on assets (ROA)7.8%-21.3%▲ 13.6pp12.2%within the sector's middle half▼ 9.1pp9.9%within the sector's middle half▼ 2.4pp15.9%within the sector's middle half▲ 6.0pp6.9%within the sector's middle half▼ 9.0pp20.1%above the sector's middle half▲ 13.2pp23.9%above the sector's middle half▲ 3.8pp
Staff (FTE)2.3-2.2▼ 4.3%2.5within the sector's middle half▲ 13.6%1.7below the sector's middle half▼ 32.0%1.7below the sector's middle half=2.3within the sector's middle half▲ 35.3%2.3within the sector's middle half=1.8within the sector's middle half▼ 21.7%
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 format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €614,441
Fixed assets
€27,652 ▼ 9.2%
Current assets
€586,789 ▲ 4.5%
Equity and liabilities €614,441
Equity
€389,860 ▲ 13.7%
Debt
€224,582 ▼ 9.8%
Debt's share of the balance-sheet total falls from 42.1% to 36.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
37.7%▲
2024 · 34.6%
Debt ≤ 1 year
€213,077▼
2024 · €227,403
Debt > 1 year
€11,504▼
2024 · €21,634
Income taxes
€37,243▲
2024 · €33,503
Staff costs
€98,416▼
2024 · €130,269
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 |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €3,750 | - |
| Remuneration, social security and pensions62 | - | - | - | €89,833 | €96,702 | €117,019 | €130,269 | €98,416 | ▼ 24.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,741 | €11,816 | €12,107 | €10,882 | €9,475 | €4,819 | €8,732 | €10,325 | ▲ 18.2% |
| Other operating charges640/8 | - | - | - | €524 | €813 | €5,037 | €3,852 | €84 | ▼ 97.8% |
| Non-recurring operating charges66A | - | - | - | - | - | - | - | €1,140 | - |
| Gross operating margin9900 | €176,590 | €246,441 | €146,177 | €168,989 | €217,216 | €182,429 | €299,570 | €298,451 | ▼ 0.4% |
| Operating profit (loss)9901 | €67,636 | €136,738 | €75,562 | €67,751 | €110,226 | €55,554 | €156,716 | €188,486 | ▲ 20.3% |
| Financial income75/76B | - | - | - | - | - | €411 | €1,146 | €918 | ▼ 19.9% |
| Recurring financial income75 | €433 | €157 | €28 | - | - | €411 | €1,146 | €918 | ▼ 19.9% |
| Financial charges65/66B | - | - | - | €2,870 | €2,890 | €5,024 | €5,618 | €5,264 | ▼ 6.3% |
| Recurring financial charges65 | €524 | €1,565 | €819 | €2,870 | €2,890 | €5,024 | €5,618 | €5,264 | ▼ 6.3% |
| Profit (loss) for the period before taxes9903 | €67,545 | €135,329 | €74,771 | €64,881 | €107,336 | €50,941 | €152,245 | €184,141 | ▲ 21.0% |
| Income taxes67/77 | €21,146 | €43,225 | €22,486 | €18,588 | €28,712 | €17,755 | €33,503 | €37,243 | ▲ 11.2% |
| Profit (loss) for the period9904 | €46,399 | €92,104 | €52,285 | €46,293 | €78,624 | €33,187 | €118,742 | €146,898 | ▲ 23.7% |
| Profit (loss) for the period to be appropriated9905 | €46,399 | €92,104 | €52,285 | €46,293 | €78,624 | €33,187 | €118,742 | €146,898 | ▲ 23.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €598,172 | €431,485 | €427,042 | €468,520 | €495,976 | €483,091 | €591,998 | €614,441 | ▲ 3.8% |
| Fixed assets21/28 | €293,609 | €81,793 | €21,142 | €29,208 | €18,247 | €13,428 | €30,466 | €27,652 | ▼ 9.2% |
| Tangible fixed assets22/27 | €43,609 | €31,793 | €21,142 | €29,208 | €18,247 | €13,428 | €30,466 | €27,652 | ▼ 9.2% |
| Plant, machinery and equipment23 | - | - | - | €22,638 | €14,267 | €10,478 | €8,878 | €9,533 | ▲ 7.4% |
| Furniture and vehicles24 | - | - | - | €5,847 | €3,402 | €2,517 | €21,299 | €17,975 | ▼ 15.6% |
| Other tangible fixed assets26 | - | - | - | €723 | €578 | €434 | €289 | €145 | ▼ 50.0% |
| Financial fixed assets28 | €250,000 | €50,000 | - | - | - | - | - | - | - |
| Current assets29/58 | €304,563 | €349,692 | €405,900 | €439,312 | €477,729 | €469,663 | €561,532 | €586,789 | ▲ 4.5% |
| Amounts receivable within one year40/41 | €104,655 | €124,307 | €166,391 | €255,502 | €304,856 | €320,639 | €318,621 | €263,058 | ▼ 17.4% |
| Trade receivables40 | - | - | - | €2,680 | €1,805 | €1,785 | €5,353 | - | - |
| Other amounts receivable41 | - | - | - | €252,822 | €303,050 | €318,853 | €313,268 | €263,058 | ▼ 16.0% |
| Cash at bank and in hand54/58 | €199,909 | €73,041 | €162,442 | €111,124 | €52,812 | €41,500 | €82,952 | €123,935 | ▲ 49.4% |
| Deferred charges and accrued income490/1 | - | - | - | €72,687 | €120,061 | €107,524 | €159,959 | €199,796 | ▲ 24.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €598,172 | €431,485 | €427,042 | €468,520 | €495,976 | €483,091 | €591,998 | €614,441 | ▲ 3.8% |
| Equity10/15 | €271,726 | €313,830 | €316,115 | €312,409 | €341,032 | €324,219 | €342,961 | €389,860 | ▲ 13.7% |
| Contributions10/11 | €184,500 | €184,500 | - | €184,500 | €184,500 | €184,500 | €184,500 | €184,500 | = |
| Reserves13 | €87,226 | €129,330 | €131,615 | €127,909 | €156,532 | €139,719 | €158,461 | €205,360 | ▲ 29.6% |
| Distributable reserves133 | - | - | - | €127,909 | €156,532 | €139,719 | €158,461 | €205,360 | ▲ 29.6% |
| Amounts payable17/49 | €326,446 | €117,655 | €110,926 | €156,111 | €154,944 | €158,872 | €249,037 | €224,582 | ▼ 9.8% |
| Amounts payable after more than one year17 | €16,685 | €12,236 | €7,712 | €26,398 | €17,503 | €11,604 | €21,634 | €11,504 | ▼ 46.8% |
| Financial debts170/4 | - | - | - | €26,398 | €17,503 | €11,604 | €21,634 | €11,504 | ▼ 46.8% |
| Amounts payable within one year42/48 | €309,762 | €105,418 | €103,214 | €125,908 | €137,093 | €146,884 | €227,403 | €213,077 | ▼ 6.3% |
| Current portion of amounts payable after more than one year42 | - | - | - | €10,361 | €8,871 | €5,760 | €10,020 | €10,129 | ▲ 1.1% |
| Financial debts43 | - | - | - | €38,500 | €56,615 | €56,082 | €52,638 | €60,255 | ▲ 14.5% |
| Credit institutions430/8 | - | - | - | €956 | €3,998 | €3,404 | - | €7,656 | - |
| Other loans439 | - | - | - | €37,544 | €52,617 | €52,678 | €52,638 | €52,599 | ▼ 0.1% |
| Trade debts44 | - | €2,435 | €3,194 | €8,813 | €5,829 | €17,315 | €34,850 | €14,997 | ▼ 57.0% |
| Suppliers440/4 | - | - | - | €8,813 | €5,829 | €17,315 | €34,850 | €14,997 | ▼ 57.0% |
| Taxes, remuneration and social security45 | - | - | - | €12,572 | €15,779 | €17,726 | €29,894 | €27,695 | ▼ 7.4% |
| Taxes450/3 | - | - | - | €1,896 | €3,712 | €471 | €10,068 | €11,939 | ▲ 18.6% |
| Remuneration and social security454/9 | - | - | - | €10,677 | €12,066 | €17,255 | €19,826 | €15,756 | ▼ 20.5% |
| Other amounts payable47/48 | - | - | - | €55,662 | €50,000 | €50,000 | €100,000 | €100,000 | = |
| Accrued charges and deferred income492/3 | - | - | - | €3,805 | €348 | €384 | - | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €46,399 | €92,104 | €52,285 | €46,293 | €78,624 | €33,187 | €118,742 | €146,898 | ▲ 23.7% |
| + Depreciation and write-downs630 | €14,741 | €11,816 | €12,107 | €10,882 | €9,475 | €4,819 | €8,732 | €10,325 | ▲ 18.2% |
| Operating cash flow (approximation) | €61,140 | €103,920 | €64,392 | €57,176 | €88,099 | €38,006 | €127,474 | €157,223 | ▲ 23.3% |
| Investment in fixed assets (approximation) | - | €200,000 | €48,544 | -€18,948 | €1,486 | €0 | -€25,770 | -€7,511 | ▲ 70.9% |
| Change in cash | - | -€126,867 | €89,401 | -€51,319 | -€58,311 | -€11,312 | €41,451 | €40,983 | ▼ 1.1% |
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 32 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 30-09-2026 | 2026-00535023 |
| 31-12-2024 | abbreviated format | 31-08-2025 | 2025-00452851 |
| 31-12-2023 | abbreviated format | 29-06-2024 | 2024-00183100 |
| 31-12-2022 | abbreviated format | 31-08-2023 | 2023-00386952 |
| 31-12-2021 | abbreviated format | 29-09-2022 | 2022-20440459 |
| 31-12-2020 | abbreviated format | 30-08-2021 | 2021-57700174 |
| 31-12-2019 | abbreviated format | 20-07-2020 | 2020-32000253 |
| 31-12-2018 | abbreviated format | 29-08-2019 | 2019-56200451 |
| 31-12-2017 | micro format | 26-06-2018 | 2018-24100093 |
| 31-12-2016 | abbreviated format | 31-07-2017 | 2017-39900259 |
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Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,207. 2,647 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.