INTERGAL-BUD BUILD
ActiveThe computed 12-month bankruptcy probability of INTERGAL-BUD BUILD is 2.0% (moderate). The 2025 annual accounts show equity of €38k and a net result of €13k. Equity is growing by ~59.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 7415 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
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
Profitability92▼-8
Solvency78▼-22
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 5.93 in 2024; short-term debt: 31.5% and cash: 15.1% of total assets), and 46.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
53.2%
Return on assets
18.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
25 d late
2024
29 d early
2023
57 d late
2022
66 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€38k▲ 52.9%
2024 · €25k
2022: €4k
2023: €13k
2024: €25k
2022 → 2025
Total assets
€72k▲ 155%
2024 · €28k
2022: €12k
2023: €25k
2024: €28k
2022 → 2025
Net result
€13k▲ 14.3%
2024 · €12k
2022: €4k
2023: €8k
2024: €12k
2022 → 2025
Working capital
€27k▲ 74.0%
2024 · €15k
2022: €809
2023: €-529
2024: €15k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€13k▲ 226%€25k▲ 86.3%€38k▲ 52.9%
Operating result€5k-€10k▲ 100%€15k▲ 41.5%€18k▲ 19.7%
Net result€4k-€8k▲ 104%€12k▲ 37.8%€13k▲ 14.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€22k▲ 133%
Current assets
€49k▲ 167%
Equity and liabilities €72k
Equity
€38k▲ 52.9%
Debt
€34k▲ 976%
The debt ratio rises from 11.1% to 46.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€27k▲
2024 · €20k
Cash flow
€23k▲
2024 · €17k
Solvency
53.2%▼
2024 · 88.9%
Current ratio
2.18▼
2024 · 5.93
Quick ratio
2.18▼
2024 · 5.93
Debt / equity
0.88▲
2024 · 0.12
ROE
34.6%▼
2024 · 46.3%
ROA
18.4%▼
2024 · 41.2%
Interest coverage
37.44▼
2024 · 278.54
Debt
€34k▲
2024 · €3k
Debt ≤ 1 year
€23k▲
2024 · €3k
Debt > 1 year
€11k
Income taxes
€4k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€28k€72k▲
Fixed assets21/28€10k€22k▲
Tangible fixed assets22/27€10k€22k▲
Plant, machinery and equipment23€561-
Furniture and vehicles24€9k€22k▲
Current assets29/58€18k€49k▲
Amounts receivable within one year40/41€15k€38k▲
Trade receivables40€9k€26k▲
Other amounts receivable41€6k€12k▲
Cash at bank and in hand54/58€3k€11k▲
Deferred charges and accrued income490/1€187€391▲
Equity and liabilities
Total equity and liabilities10/49€28k€72k▲
Equity10/15€25k€38k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€23k€36k▲
Amounts payable17/49€3k€34k▲
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€3k€23k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44-€9k
Suppliers440/4-€9k
Taxes, remuneration and social security45€3k€7k▲
Taxes450/3€3k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€749€927▲
Gross operating margin9900€21k€28k▲
Operating profit (loss)9901€15k€18k▲
Financial income75/76B€41€325▲
Recurring financial income75€41€325▲
Financial charges65/66B€74€723▲
Recurring financial charges65€74€723▲
Profit (loss) for the period before taxes9903€15k€17k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€12k€13k▲
Profit (loss) for the period to be appropriated9905€12k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€36k▲
Profit (loss) brought forward from the previous period14P€11k€23k▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Highest result since 2022net €13k ▲14.3%
Operating result €18k, net result €13k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 5.93
Current ratio from 0.95 to 5.93; short-term debt falls from €11k to €3k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 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, Wielsbeke · 1 establishment unit since 2022
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.
Rijksweg 1638710 WielsbekeGround area
4,629 m²
Building footprint
468 m²
Volume, LiDAR
3,239 m³
2 parcels, Flanders · tallest building 14.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTERGAL-BUD BUILD
since 20222.328.312.873
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37017C0228/00N000 | Flanders | 3,108 m² | 1 · 321 m² | 14.2 m · 3 fl. |
| 37017C0228/00L000 | Flanders | 1,521 m² | 1 · 147 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,796 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
43110Demolition
43120Site preparation
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.