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INTERFINANCE

Active
Private limited company· 34 yrs active
Karel Rogierplein 11 ·1210 Sint-Joost-ten-Node, Belgium
KBO/BCE: BE 0447.736.855
Watch Print / PDF
Age34 yrs
Board4
Connections27
Real estate1 parcel · 3,343 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of INTERFINANCE is 1.1% (low). The 2025 annual accounts show equity of €11.35M and a net result of €-238k. Equity is growing by ~3.7% per year across the filed fiscal years. The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Trust signals

3 signals
Long-established
Founded in 1992, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags

0 events
No administrative flags

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.1% Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered +Higher-failure-rate region +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-238k
Working capital€10.74M+2570.1%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 21-04-2026 with the NBB · fiscal year 2025 · verkort
€-2.50M€0€2.50M€5.00M€7.50M€10.00MOperating result 2021: €-26k€-26kNet result 2021: €168k€168kOperating result 2022: €-34k€-34kNet result 2022: €209k€209kOperating result 2023: €-37k€-37kNet result 2023: €150k€150kOperating result 2024: €-37k€-37kNet result 2024: €9.21M€9.21MOperating result 2025: €-41k€-41kNet result 2025: €-238k€-238k20212022202320242025
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile Too volatile to project: the yearly deviation from the trend is ~49% of the level (threshold 35%). We therefore deliberately show no projection line.
€-2.50M€0€2.50M€5.00M€7.50M€10.00M2018: €1.34M2019: €1.49M2020: €1.54M2021: €168k2022: €209k2023: €150k2024: €9.21M2025: €-238k20182019202020212022202320242025
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Net profit
€-238k
- 18-25
Total assets
€12.08M
+3.1% 18-25
Equity
€11.35M
-2.1% 18-25
Working capital
€10.74M
+2570.1% 18-25
Income taxes
€909k
- 18-25
Dividends
€129k
0.0% 18-25
Debt
€731k
+466.6% 18-25
Debt ≤ 1y
€731k
+466.2% 18-25
Current ratio
15.70
+281.3% 18-25
Quick ratio
15.70
+281.3% 18-25
Solvency
93.9%
-5.0% 18-25
Debt / equity
0.06
+478.5% 18-25
ROE
-2.1%
- 18-25
ROA
-2.0%
- 18-25
Figures by fiscal year
Fiscal year2025
Revenue-
EBITDA-
Net profit€-238k
Cash flow-
Staff costs-
Income taxes€909k
Dividends-
Total assets€12.08M
Equity€11.35M
Debt€731k
of which ≤ 1y€731k
of which > 1y-
Working capital€10.74M
Employees (FTE)-
Ratios (computed)
2025
Current ratio15.70
Quick ratio15.70
Working capital ratio89.0%
Solvency93.9%
Debt / equity0.06
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-2.0%
ROE-2.1%
EBITDA margin-
Days sales outstanding-
Days payable outstanding1d
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€12.08M
Fixed assets 21/28€603k
Financial fixed assets 28€603k
Current assets 29/58€11.48M
Amounts receivable within one year 40/41€15k
Investments 50/53€10.80M
Cash & bank 54/58€464k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€12.08M
Equity 10/15€11.35M
Contributions / capital 10/11€500k
Reserves 13€450k
Accumulated profits (losses) 14€10.40M
Amounts payable 17/49€731k
Amounts payable within one year 42/48€731k
Trade debts payable within one year 44€88
Income statement
Gross operating margin 9900€-22k
Operating result 9901€-41k
Financial income 75€727k
Financial charges 65€16k
Result before taxes 9903€671k
Income taxes 67/77€909k
Net result for the period 9904€-238k
Result to be appropriated 9905€-238k
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2025 · computed
62 / 100 Healthy
050100

Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Directors

Directors & mandates

8 directors
Current directors & mandates
  • Jeroen Bogaerts
    Director
    State Gazette act 24133883 (16-09-2024)
    Current
    16-09-2024 → present
  • Michel Vanhaeren
    Director
    State Gazette act 24133883 (16-09-2024)
    Current
    19-09-2018 → present
    2 events
    • 16-09-2024 Mandate renewed· Director
    • 19-09-2018 Appointed· Director
  • De Wolf Hilde
    Director
    State Gazette act 26070882 (03-06-2026)
    Current
    19-06-2017 → present
    3 events
    • 03-06-2026 Mandate renewed· Director
    • 05-06-2023 Mandate renewed· Director
    • 19-06-2017 Mandate renewed· Director
  • Eric Spiessens
    Director
    State Gazette act 26070882 (03-06-2026)
    Current
    09-05-2011 → present
    4 events
    • 03-06-2026 Mandate renewed· Director
    • 05-06-2023 Mandate renewed· Director
    • 19-06-2017 Mandate renewed· Director
    • 09-05-2011 Mandate renewed· Director
Former directors (4)
  • Régis Lanove
    Director
    State Gazette act 20154261 (28-12-2020)
    Former
    10-12-2020 → 06-05-2024
    2 events
    • 06-05-2024 Resigned· Director
    • 10-12-2020 Appointed· Director
  • Gielen Gunther
    Director
    State Gazette act 18146805 (04-10-2018)
    Former
    19-09-2018 → 01-02-2020
    2 events
    • 01-02-2020 Resigned· Director
    • 19-09-2018 Appointed· Director
  • Francine Swiggers
    Director
    State Gazette act 16072884 (26-05-2016)
    Former
    26-05-2016 → 28-06-2018
    2 events
    • 28-06-2018 Resigned· Director
    • 26-05-2016 Mandate renewed· Director
  • Marc Tinant
    Director
    State Gazette act 16072884 (26-05-2016)
    Former
    26-05-2016 → 28-06-2018
    2 events
    • 28-06-2018 Resigned· Director
    • 26-05-2016 Mandate renewed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

Statutory auditor

6 auditors
Statutory auditor IRE/IBR number Tenure
Deloitte BedrijfsrevisorenCurrent
Statutory auditor · represented by Vlaminckx Dirk
 - 28-05-2019 → present
Deloitte
Statutory auditor · represented by Frank Verhaegen
succeeded by Deloitte Bedrijfsrevisoren in 2019
 - 26-05-2016 → 28-05-2019
Deloitte bedrijfsrevisoren CVBA
Statutory auditor · represented by Franky Wevers
 - - → 23-06-2020
Jurgen Kesselaers
Statutory auditor
succeeded by Deloitte Bedrijfsrevisoren in 2019
 - 19-06-2017 → 28-05-2019
KPMG Bedrijfsrevisoren BV
Statutory auditor · represented by Dellicour Arnaud
 - - → 07-04-2026
KPMG Bedrijfsrevisoren CVBA
Statutory auditor · represented by Dellicour Arnaud
 - 23-06-2020 → 23-06-2020
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.

Insolvency mandates

indexing
No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary -
Legal form Private limited company(610)
Incorporation25-06-1992
StatusActive
Postal code1210

Structure & network

Connections & network

27 connected companies
De Wolf Hilde, Shared director, links 11 companies DW De Wolf HildeBEGEVEL Hasselt, via De Wolf Hilde BHBEGEVELHasseltBouwfonds, via De Wolf Hilde BBouwfondsCM Service Patrimonium, via De Wolf Hilde CSCM ServicePatrimoniumGoed Immo, via De Wolf Hilde GIGoed ImmoL'Economie Populaire, via De Wolf Hilde LPL'EconomiePopulaireVlaams investerings- en innovatiefonds CM-Vlaanderen, via De Wolf Hilde VIVlaamsinvester…derenAFS Zorgapotheek, via De Wolf Hilde AZAFSZorgapotheekCAPLINE, via De Wolf Hilde CCAPLINEGoed Hulpmiddelen, via De Wolf Hilde GHGoedHulpmiddelenHULPMIDDELENCENTRALE, via De Wolf Hilde HHULPMIDD…TRALEParticipo CM Vlaanderen, via De Wolf Hilde PCParticipo CMVlaanderenBELFIUS ASSURANCES, Shared address BABELFIUSASSURANCESBELFIUS BANQUE, Shared address BBBELFIUS BANQUEINTERFINANCE INTERFINANCE0447.736.855
Shared directorsShared address / shareholder
Linked via shared directors
→
Bouwfonds
viaDe Wolf Hilde · Director
→
Goed Immo
viaDe Wolf Hilde · Director
→
former→
CAPLINE
viaDe Wolf Hilde · Managing director
former→
former→
former→
former→
Network connections
BELFIUS ASSURANCES
Shared address
→
BELFIUS BANQUE
Shared address
→
BELFIUS FIDUCIAIRE
Shared address
→
BELFIUS FOUNDATION
Shared address
→
BELFIUS IMMO
Shared address
→
CARING PEOPLE
Shared address
→
CREFIUS
Shared address
→
Fynergie
Shared address
→
IMMO MALVOZ
Shared address
→
IMMO ST-MICHEL
Shared address
→
IMMO ZEEDRIFT
Shared address
→
LFB
Shared address
→
PHILADELPHUS
Shared address
→
PHORMIO
Shared address
→
S.A. COQUELETS
Shared address
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Locations & real estate

Establishment units

1 location
INTERFINANCE CV
Karel Rogierplein 11, 1210 Sint-Joost-ten-Nodede Deposito- en Consignatiekas
since 19922.058.710.974
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,343 m²
Buildings1
Building footprint3,343 m²
Volume (LiDAR)268,011 m³
Tallest building144.7 m · ±28 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21014A0014/02L002 Brussels 3,343 m² 1 · 3,343 m² 144.7 m · 28 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Analysis

Snowflake analysis

financial profile on 5 axes
Health62Profitability0Solvency100Growth52Stability100
63 / 100

Strong profile, led by solvency.

Health 62
Profitability 0
Solvency 100
Growth 52
Stability 100

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Credit advice

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameNL INTERFINANCE
Registered office
Karel Rogierplein 11
1210 Sint-Joost-ten-Node, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.