Intergamma België
ActiveIntergamma België has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €78k. Equity is growing by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+1
Solvency38▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.1 in 2024; short-term debt: 87.4% and cash: 11.8% of total assets), and 87.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
12.6%
Return on assets
0.7%
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 22% of 924 sector peers (2025).
NBB · sector comparisonPosition among 924 sector peers
Solvency
better than 22%
← 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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
21 d early
2023
33 d early
2022
12 d early
2021
30 d early
2020
29 d early
2019
6 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€78k▲ 148%
2024 · €32k
2018: €72k
2019: €68k
2020: €39k
2021: €-8k
2022: €71k
2023: €139k
2024: €32k
2018 → 2025
Working capital
€1.42M▲ 2.4%
2024 · €1.39M
2018: €993k
2019: €1.15M
2020: €1.10M
2021: €1.10M
2022: €1.20M
2023: €1.34M
2024: €1.39M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.18M▲ 6.4%€1.32M▲ 11.8%€1.35M▲ 2.4%€1.43M▲ 5.8%
Operating result€120k-€198k▲ 64.8%€191k▼ 3.5%€-53k€-80k▼ 50.4%
Net result€-8k-€71k€139k▲ 96.7%€32k▼ 77.3%€78k▲ 148%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €80k in 2025 against €53k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.34M
Fixed assets
€4k▼ 24.9%
Current assets
€11.33M▼ 26.9%
Equity and liabilities €11.34M
Equity
€1.43M▲ 5.8%
Debt
€9.91M▼ 30.1%
The debt ratio falls from 91.3% to 87.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€-78k▼
2024 · €-51k
Cash flow
€80k▲
2024 · €33k
Solvency
12.6%▲
2024 · 8.7%
Current ratio
1.14▲
2024 · 1.10
Quick ratio
1.14▲
2024 · 1.10
Debt / equity
6.94▼
2024 · 10.50
ROE
5.5%▲
2024 · 2.3%
ROA
0.7%▲
2024 · 0.2%
Interest coverage
-3.30▼
2024 · -2.37
Debt
€9.91M▼
2024 · €14.17M
Debt ≤ 1 year
€9.91M▼
2024 · €14.12M
Income taxes
€37k▲
2024 · €24k
Staff costs
€881k▲
2024 · €753k
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€15.52M€11.34M▼
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€15.51M€11.33M▼
Amounts receivable after more than one year29€7.36M€7.36M=
Other amounts receivable291€7.36M€7.36M=
Amounts receivable within one year40/41€6.88M€2.61M▼
Trade receivables40€1.29M€1.33M▲
Other amounts receivable41€5.59M€1.28M▼
Cash at bank and in hand54/58€1.22M€1.34M▲
Deferred charges and accrued income490/1€53k€22k▼
Equity and liabilities
Total equity and liabilities10/49€15.52M€11.34M▼
Equity10/15€1.35M€1.43M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€1.28M€1.36M▲
Amounts payable17/49€14.17M€9.91M▼
Amounts payable within one year42/48€14.12M€9.91M▼
Trade debts44€798k€684k▼
Suppliers440/4€798k€684k▼
Taxes, remuneration and social security45€195k€160k▼
Taxes450/3€27k-
Remuneration and social security454/9€167k€160k▼
Other amounts payable47/48€13.13M€9.07M▼
Accrued charges and deferred income492/3€46k-
Income statement
Code20242025
Remuneration, social security and pensions62€753k€881k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€4k€5k▲
Gross operating margin9900€709k€811k▲
Operating profit (loss)9901€-53k€-80k▼
Financial income75/76B€130k€219k▲
Recurring financial income75€130k€219k▲
Financial charges65/66B€22k€24k▲
Recurring financial charges65€22k€24k▲
Profit (loss) for the period before taxes9903€56k€115k▲
Income taxes67/77€24k€37k▲
Profit (loss) for the period9904€32k€78k▲
Profit (loss) for the period to be appropriated9905€32k€78k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.28M€1.36M▲
Profit (loss) brought forward from the previous period14P€1.25M€1.28M▲
Social balance
Average headcount (FTE)90872.02.0=
The notes to these accounts (4 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €139k ▲96.7%
Net result €139k, the highest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-8k ▼119%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 6 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 3.47
Current ratio from 1.50 to 3.47; short-term debt falls from €1.98M to €465k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
22 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, Antwerpen · 1 establishment unit since 2003
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.
Desguinlei 1002018 AntwerpenGround area
5,401 m²
Building footprint
2,130 m²
Volume, LiDAR
49,990 m³
Parcel 11810K2172/00D004, Flanders · tallest building 27.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Intergamma België
since 20032.132.207.874
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K2172/00D004 | Flanders | 5,401 m² | 1 · 2,130 m² | 27.6 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Dual-learning approval
1 endedLegal Entity Identifier
8945008F09S4IZDHM919
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 3,877 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-06-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.