INTERFACE SF
ActiveSummary
INTERFACE SF has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €74k. Equity is shrinking by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 15% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+35
Solvency29▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.52 against 2.31 in 2024; short-term debt: 63% and cash: 49.9% of total assets), but 95.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
4.3%
Return on assets
39.1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7029 sector peers (2025).
NBB · sector comparisonPosition among 7029 sector peers
Solvency
better than 15%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
55 d late
2022
31 d late
2021
31 d late
2020
30 d late
2019
91 d late
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k=
2024 · €8k
2018: €62k
2019: €30k
2020: €8k
2021: €16k
2022: €9k
2023: €8k
2024: €8k
2018 → 2025
Total assets
€188k▲ 56.5%
2024 · €120k
2018: €156k
2019: €99k
2020: €167k
2021: €120k
2022: €107k
2023: €136k
2024: €120k
2018 → 2025
Net result
€74k▲ 744%
2024 · €9k
2018: €-17k
2019: €-31k
2020: €47k
2021: €21k
2022: €1k
2023: €23k
2024: €9k
2018 → 2025
Working capital
€62k▼ 7.0%
2024 · €66k
2018: €121k
2019: €90k
2020: €67k
2021: €75k
2022: €69k
2023: €68k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€9k▼ 41.5%€8k▼ 11.6%€8k=€8k=
Operating result€27k-€6k▼ 78.1%€34k▲ 471%€16k▼ 54.0%€98k▲ 531%
Net result€21k-€1k▼ 93.2%€23k▲ 1,450%€9k▼ 61.4%€74k▲ 744%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 531% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €188k
Fixed assets
€8k ▲ 145%
Current assets
€180k ▲ 54.1%
Equity and liabilities €188k
Equity
€8k =
Provisions
€61k ▼ 0.1%
Debt
€119k ▲ 134%
Debt's share of the balance-sheet total rises from 42.1% to 63.0%. Debt is higher.
Key figures and ratios
EBITDA
€99k▲
2024 · €16k
Cash flow
€74k▲
2024 · €9k
Current ratio
1.52▼
2024 · 2.31
Debt to equity
14.71▲
2024 · 6.28
ROE
912.2%▲
2024 · 108.1%
ROA
39.1%▲
2024 · 7.3%
Interest coverage
28.55▲
2024 · 4.45
Debt ≤ 1 year
€119k▲
2024 · €51k
Income taxes
€21k▲
2024 · €4k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€120k€188k▲
Fixed assets21/28€3k€8k▲
Tangible fixed assets22/27€2k€7k▲
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26-€5k
Financial fixed assets28€1k€1k=
Current assets29/58€117k€180k▲
Amounts receivable within one year40/41€37k€87k▲
Trade receivables40€33k€83k▲
Other amounts receivable41€4k€4k=
Cash at bank and in hand54/58€80k€94k▲
Equity and liabilities
Total equity and liabilities10/49€120k€188k▲
Equity10/15€8k€8k=
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Provisions and deferred taxes16€62k€61k▼
Provisions for liabilities and charges160/5€62k€61k▼
Pensions and similar obligations160€62k€61k▼
Amounts payable17/49€51k€119k▲
Amounts payable within one year42/48€51k€119k▲
Trade debts44€9k€5k▼
Suppliers440/4€9k€5k▼
Taxes, remuneration and social security45€33k€39k▲
Taxes450/3€32k€39k▲
Remuneration and social security454/9€531-
Other amounts payable47/48€9k€75k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20€934▲
Other operating charges640/8€7k€1k▼
Gross operating margin9900€23k€100k▲
Operating profit (loss)9901€16k€98k▲
Financial income75/76B€467€250▼
Recurring financial income75€467€250▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€13k€95k▲
Income taxes67/77€4k€21k▲
Profit (loss) for the period9904€9k€74k▲
Profit (loss) for the period to be appropriated9905€9k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€74k▲
Profit to be distributed694/7€9k€74k▲
Return on contributions (dividend)694€9k€74k▲
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €74k ▲744%
Operating result €98k, net result €74k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-31k
Net result drops to €-31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 13.33
Current ratio from 4.68 to 13.33; short-term debt falls from €33k to €7k.
11-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 42 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Elsene · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Waterleidingsstraat 851050 ElseneGround area
280 m²
Building footprint
119 m²
Volume, LiDAR
1,659 m³
Parcel 21447B0236/00B006, Brussels · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
INTERFACE SF
since 20102.187.420.769
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0236/00B006 | Brussels | 280 m² | 1 · 119 m² | 19.6 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
MEDITIME
BE 0479.997.867
Wemmel · Eq €8,003
TCL Conseil
BE 0770.459.023
Brussel · Eq €8,000
MACTAN
BE 0477.942.457
Lummen · Eq €7,848
MARTINE CONSTANT CONSULTING GROUP
BE 0454.157.859
Liège · Eq €8,325
Bruno d'ASPREMONT
BE 0436.587.201
Profondeville · Eq €8,386
Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 523 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 (pre-2019)
Founded31-03-2010
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
70200Business and other management consultancy
72200Scientific research and development
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.