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INTERFINANCE SOLUTIONS

Active Risk: not assessed
Private limited companyfounded 2024active for 2 yearsGrote Plekweg 10, 3520 Zonhoven, BelgiumKBO/BCE: BE 1014.910.703
Summary

INTERFINANCE SOLUTIONS 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 €77,862 and a net result of €51,594. Its solvency ranks better than 56% of 3,040 sector peers (NACE 66, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

INTERFINANCE SOLUTIONSActive

Overview

Activity
Other activities auxiliary to financial services, excluding insurance and pension funding
NACE 66199Business and other management consultancy NACE 70200
1 site
Size
≈ €250,000turnover 2025, estimated
Staff
1 FTE
Equity
€77,862
Profit
€51,594
Turnover estimated from the gross margin
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 43 days early
Signalsraises riskYoung companyneutralLatest 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

Two signals.
raises riskneutral
raises risk · Young company
Founded in 2024, 2 years ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 years
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 18-06-2026, 43 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
43 days early
2024
44 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 44 days before 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.
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2024.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. IncorporationAppointment: CHRISTIS Ruben Laurens (eerste…

Financials · financial year 2025, micro format

Equity
€77,862▲ 196%
2024 · €26,268
Net result
€51,594▲ 113%
2024 · €24,268
Total assets
€137,701▲ 214%
2024 · €43,789
Solvency
56.5%▼ 3.4pp
2024 · 60.0%
Trend over the years

2024 to 2025, 2 financial years

The operating result rises in 2025; 2025 is 104% above 2024.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€68,631 2025 Net result€51,594 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
Line20242025
Operating result€33,623-€68,631▲ 104%
Net result€24,268within the sector's middle half-€51,594within the sector's middle half▲ 113%
Equity€26,268below the sector's middle half-€77,862within the sector's middle half▲ 196%
Total assets€43,789below the sector's middle half-€137,701within the sector's middle half▲ 214%
Debt€17,521-€59,838▲ 242%
Working capital€26,268within the sector's middle half-€76,725within the sector's middle half▲ 192%
Solvency60.0%within the sector's middle half-56.5%within the sector's middle half▼ 3.4pp
Current ratio2.50within the sector's middle half-2.28within the sector's middle half▼ 0.22
Return on assets (ROA)55.4%above the sector's middle half-37.5%above the sector's middle half▼ 18.0pp
Staff (FTE)1
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 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 €137,701
Fixed assets €1,138
Current assets €136,563
Equity and liabilities €137,701
Equity €77,862 ▲ 196%
Debt €59,838 ▲ 242%
Debt's share of the balance-sheet total rises from 40.0% to 43.5%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
66.3%▼
2024 · 92.4%
Debt ≤ 1 year
€59,838▲
2024 · €17,521
Income taxes
€13,875▲
2024 · €8,299
Staff costs
€52,883
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€43,789€137,701▲
Fixed assets21/28-€1,138
Tangible fixed assets22/27-€1,138
Furniture and vehicles24-€1,138
Current assets29/58€43,789€136,563▲
Amounts receivable within one year40/41€12,103€71,432▲
Trade receivables40€12,100€39,895▲
Other amounts receivable41€3€31,537▲
Cash at bank and in hand54/58€28,133€59,967▲
Deferred charges and accrued income490/1€3,552€5,164▲
Equity and liabilities
Total equity and liabilities10/49€43,789€137,701▲
Equity10/15€26,268€77,862▲
Contributions10/11€2,000€2,000=
Reserves13€24,268€75,862▲
Distributable reserves133€24,268€75,862▲
Amounts payable17/49€17,521€59,838▲
Amounts payable within one year42/48€17,521€59,838▲
Financial debts43€378€92▼
Credit institutions430/8€378€92▼
Trade debts44€268€13,976▲
Suppliers440/4€268€13,976▲
Taxes, remuneration and social security45€16,876€45,771▲
Taxes450/3€16,876€36,676▲
Remuneration and social security454/9-€9,094
Income statement Code20242025
Remuneration, social security and pensions62-€52,883
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€250
Other operating charges640/8€556€527▼
Gross operating margin9900€34,179€122,292▲
Operating profit (loss)9901€33,623€68,631▲
Financial income75/76B-€888
Recurring financial income75-€888
Financial charges65/66B€1,056€4,050▲
Recurring financial charges65€1,056€4,050▲
Profit (loss) for the period before taxes9903€32,567€65,469▲
Income taxes67/77€8,299€13,875▲
Profit (loss) for the period9904€24,268€51,594▲
Profit (loss) for the period to be appropriated9905€24,268€51,594▲
Appropriation of the result
Profit (loss) to be appropriated9906€24,268€51,594▲
Transfer to equity691/2€24,268€51,594▲
To other reserves6921€24,268€51,594▲

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Remuneration, social security and pensions62-€52,883-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€250-
Other operating charges640/8€556€527▼ 5.1%
Gross operating margin9900€34,179€122,292▲ 258%
Operating profit (loss)9901€33,623€68,631▲ 104%
Financial income75/76B-€888-
Recurring financial income75-€888-
Financial charges65/66B€1,056€4,050▲ 283%
Recurring financial charges65€1,056€4,050▲ 283%
Profit (loss) for the period before taxes9903€32,567€65,469▲ 101%
Income taxes67/77€8,299€13,875▲ 67.2%
Profit (loss) for the period9904€24,268€51,594▲ 113%
Profit (loss) for the period to be appropriated9905€24,268€51,594▲ 113%
Line20242025Change
Assets
Total assets20/58€43,789€137,701▲ 214%
Fixed assets21/28-€1,138-
Tangible fixed assets22/27-€1,138-
Furniture and vehicles24-€1,138-
Current assets29/58€43,789€136,563▲ 212%
Amounts receivable within one year40/41€12,103€71,432▲ 490%
Trade receivables40€12,100€39,895▲ 230%
Other amounts receivable41€3€31,537▲ 9,471×
Cash at bank and in hand54/58€28,133€59,967▲ 113%
Deferred charges and accrued income490/1€3,552€5,164▲ 45.4%
Equity and liabilities
Total equity and liabilities10/49€43,789€137,701▲ 214%
Equity10/15€26,268€77,862▲ 196%
Contributions10/11€2,000€2,000=
Reserves13€24,268€75,862▲ 213%
Distributable reserves133€24,268€75,862▲ 213%
Amounts payable17/49€17,521€59,838▲ 242%
Amounts payable within one year42/48€17,521€59,838▲ 242%
Financial debts43€378€92▼ 75.7%
Credit institutions430/8€378€92▼ 75.7%
Trade debts44€268€13,976▲ 52×
Suppliers440/4€268€13,976▲ 52×
Taxes, remuneration and social security45€16,876€45,771▲ 171%
Taxes450/3€16,876€36,676▲ 117%
Remuneration and social security454/9-€9,094-
Line20242025Change
Profit (loss) for the period9904€24,268€51,594▲ 113%
+ Depreciation and write-downs630-€250-
Operating cash flow (approximation)€24,268€51,844▲ 114%
Change in cash-€31,834-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
31-12-2025 micro format 18-06-2026 2026-00170580
31-12-2024 micro format 17-06-2025 2025-00143586

Similar companies · same sector, comparable size

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. 605 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 2024

Board 1

CHRISTIS Ruben Laurens
Eerste gewone, niet statutaire bestuurder · since 14-10-2024
Current

Other functions 1

CHRISTIS Ruben Laurens
Eerste gewone, niet statutaire bestuurder · since 14-10-2024
Current
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 2024, 1 in office
Show
  • Board
  • Other function
Mandates per person, with start and end dates
Name Functions and periods
CHRISTIS Ruben Laurens
  • Eerste gewone, niet statutaire bestuurder, from 14-10-2024 to date
  • Eerste gewone, niet statutaire bestuurder, from 14-10-2024 to date
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Shareholders according to the deeds
At incorporation act of 14-10-2024 ↗

The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 14-10-2024 Incorporation · €2,000 · 100 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 10 October 2024, INTERFINANCE SOLUTIONS was incorporated as a private limited company by one natural person, with a starting capital of €2,000.12 CHRISTIS Ruben Laurens has served as eerste gewone, niet statutaire bestuurder of the company since 2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 14-10-2024
  3. 3National Bank, annual accounts 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
18-06
NBB filing Annual accounts filed
financial year 2025 · micro format
2025
17-06
NBB filing Annual accounts filed
financial year 2024 · micro format
2024
14-10
Gazette deed Incorporation
Appointment: CHRISTIS Ruben Laurens (eerste gewone, niet statutaire bestuurder) · Founder · Founding capital7 facts ▸
  • Incorporation, 08-10-2024
  • Founder, CHRISTIS Ruben Laurens (oprichter/aandeelhouder die hun inbreng volledig hebben volgestort)
  • Founding capital, €2,000
  • Registered office clause, “Zonhoven, Grote Plekweg 10” (deed in Dutch)
  • Director appointment, CHRISTIS Ruben Laurens (eerste gewone, niet statutaire bestuurder)
  • Other provision, “verklaring geen verbodsbepaling mandaat, niet getroffen door enige verbodsbepaling voor uitoefenen van mandaat” (deed in Dutch)
  • Pre-incorporation commitments, “takeover, alle verbintenissen voor rekening en in naam van vennootschap in oprichting” (deed in Dutch)
Gazette deedNBB filing
1 of 1 deed read

Register details

Identification
Legal formPrivate limited company
Founded10-10-2024
Financial year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70100Activities of head offices
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:1014910703
Also 9925:BE1014910703
Registered 05-03-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 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, Zonhoven · 1 establishment unit since 2024
registered office establishment The establishment unit on the map
Ground area
612 m²
Building footprint
156 m²
Building volume
755 m³
Parcel 71443F0402/00H002, Flanders · tallest building 6.4 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
INTERFINANCE SOLUTIONS
Grote Plekweg 10, 3520 ZonhovenOther activities auxiliary to financial services, excluding insurance and pension funding
since 2024unit no. 2.364.919.782
1 parcel
Flanders 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
71443F0402/00H002 Flanders 612 m² 1 · 156 m² 6.4 m · 2
How the parcels are linked
Good to know
The parcel matches 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.
INTERFINANCE SOLUTIONS
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Vlaams Gewest” (deed in Dutch)

deed of 14-10-2024

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.
“Met of zonder beperking van duur; bij gebrek aan bepaling van de duurtijd,mandaat van onbepaalde duur, bestuurd door één of meer bestuurders” (deed in Dutch)
“INTERN BESTUUR – BEPERKINGEN, behalve deze die de wet of de statuten aan de algemene vergadering voorbehouden” (deed in Dutch)

deed of 14-10-2024

Oversight and winding up

Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
No statutory auditor

deed of 14-10-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Dagelijks bestuur alsook vertegenwoordiging wat dat bestuur aangaat opdragen aan één of meer van zijn leden,die dan titel dragen van…” (deed in Dutch)
Other provision: “Oproeping algemene vergadering, ten minste vijftien dagen voor vergadering” (deed in Dutch)
Other provision: “Aanwending nettowinst,reserves en winstverdeling, algemene vergadering” (deed in Dutch)
Other provision: “Resultaat van het boekjaar, interim-dividenden” (deed in Dutch)
7 more provisions in the deed, see the deed of 14-10-2024

deed of 14-10-2024