INTERGEM
ActiveINTERGEM has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.25M and a net result of €-89k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 72% of 216 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-15
Solvency99▼-1
Growth52=
Stability100
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 ample (current ratio 2.58 against 2.94 in 2023), and 36% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
64%
Return on assets
-4.5%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 06-06-2025, 55 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
55 d early
2023
16 d early
2022
11 d early
2021
12 d early
2020
45 d early
2019
51 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€1.25M▼ 6.6%
2023 · €1.34M
2018: €1.12M
2019: €1.16M
2020: €1.21M
2021: €1.27M
2022: €1.30M
2023: €1.34M
2018 → 2024
Total assets
€1.95M▼ 3.5%
2023 · €2.02M
2018: €1.88M
2019: €1.92M
2020: €1.94M
2021: €1.98M
2022: €1.96M
2023: €2.02M
2018 → 2024
Net result
€-89k
2023 · €40k
2018: €64k
2019: €44k
2020: €49k
2021: €56k
2022: €33k
2023: €40k
2018 → 2024
Working capital
€1.11M▼ 16.8%
2023 · €1.33M
2018: €1.12M
2019: €1.16M
2020: €1.21M
2021: €1.25M
2022: €1.28M
2023: €1.33M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€1.21M-€1.27M▲ 4.6%€1.30M▲ 2.6%€1.34M▲ 3.1%€1.25M▼ 6.6%
Operating result€-5k-€22k€-13k€-10k▲ 24.4%€-147k▼ 1,401%
Net result€49k-€56k▲ 13.5%€33k▼ 41.6%€40k▲ 21.5%€-89k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €147k in 2024 against €10k in 2023; the loss grows and 2024 is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.95M
Fixed assets
€144k▲ 2,693%
Current assets
€1.81M▼ 10.4%
Equity and liabilities €1.95M
Equity
€1.25M▼ 6.6%
Debt
€703k▲ 2.5%
The debt ratio rises from 33.9% to 36.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-137k▼
2023 · €-8k
Cash flow
€-78k▼
2023 · €42k
Solvency
64.0%▼
2023 · 66.1%
Current ratio
2.58▼
2023 · 2.94
Quick ratio
2.06▼
2023 · 2.57
Debt / equity
0.56▲
2023 · 0.51
ROE
-7.1%▼
2023 · 3.0%
ROA
-4.5%▼
2023 · 2.0%
Interest coverage
-30.32▼
2023 · -1.30
Debt
€703k▲
2023 · €686k
Debt ≤ 1 year
€700k▲
2023 · €686k
Debt > 1 year
€2k
Income taxes
€0▼
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€2.02M€1.95M▼
Fixed assets21/28€5k€144k▲
Intangible fixed assets21€5k€142k▲
Tangible fixed assets22/27€120€2k▲
Plant, machinery and equipment23€120€2k▲
Furniture and vehicles24€0-
Other tangible fixed assets26€0-
Financial fixed assets28€200€200=
Current assets29/58€2.02M€1.81M▼
Amounts receivable after more than one year29€1.42M€1.14M▼
Other amounts receivable291€1.42M€1.14M▼
Stocks and contracts in progress3€257k€369k▲
Stocks30/36€257k€369k▲
Amounts receivable within one year40/41€255k€260k▲
Trade receivables40€53k€42k▼
Other amounts receivable41€202k€218k▲
Cash at bank and in hand54/58€61k€7k▼
Deferred charges and accrued income490/1€26k€32k▲
Equity and liabilities
Total equity and liabilities10/49€2.02M€1.95M▼
Equity10/15€1.34M€1.25M▼
Contributions10/11€900k€900k=
Capital10€900k€900k=
Issued capital100€900k€900k=
Reserves13€29k€29k=
Non-distributable reserves130/1€29k€29k=
Legal reserve130€29k€29k=
Profit (loss) carried forward14€408k€320k▼
Amounts payable17/49€686k€703k▲
Amounts payable after more than one year17-€2k
Other amounts payable178/9-€2k
Amounts payable within one year42/48€686k€700k▲
Trade debts44€53k€96k▲
Suppliers440/4€53k€96k▲
Taxes, remuneration and social security45€15k€348▼
Taxes450/3€15k€348▼
Other amounts payable47/48€617k€603k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€11k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€8k
Other operating charges640/8€2k€22k▲
Gross operating margin9900€-6k€-107k▼
Operating profit (loss)9901€-10k€-147k▼
Financial income75/76B€70k€63k▼
Recurring financial income75€70k€63k▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€54k€-89k▼
Income taxes67/77€15k€0▼
Profit (loss) for the period9904€40k€-89k▼
Profit (loss) for the period to be appropriated9905€40k€-89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€410k€320k▼
Profit (loss) brought forward from the previous period14P€371k€408k▲
Transfer to equity691/2€2k€0▼
To the legal reserve6920€2k€0▼
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-89k ▼324%
Net result drops to €-89k, the lowest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23155820). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Dirk De Candt
CurrentDirector · since 06-12-2023
Linda Buysse
CurrentDirector · since 06-12-2023
Lisa De Candt
CurrentDirector · since 06-12-2023
06-12-2023
Dirk De Candt: Appointed as Director
06-12-2023
Linda Buysse: Appointed as Director
06-12-2023
Lisa De Candt: Appointed as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1983
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.
Alfred Verweeplein 58300 Knokke-HeistGround area
93 m²
Building footprint
145 m²
Volume, LiDAR
520 m³
Parcel 31333H0034/00A000, Flanders · tallest building 9.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Alfred Verweeplein 5, 8300 Knokke-Heist
since 19832.022.934.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333H0034/00A000 | Flanders | 93 m² | 1 · 144 m² | 9.6 m · 1 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
JUWELIER EVERSEN
BE 0809.046.712
Brugge · Eq €1.22M
OROBEL
BE 0460.901.042
Liège · Eq €1.18M
Goudsmederij Van den Bosch & Van Ranst
BE 0881.925.780
Schoten · Eq €1.11M
WOUTERS & HENDRIX
BE 0466.191.797
Antwerpen · Eq €1.11M
P.C. BOSCHMANS
BE 0404.935.804
Schoten · Eq €1.04M
Of 1,524 companies in sector 32123 we hold annual accounts for 225. 84 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-09-1983
Fiscal year end31-12
Activities, NACEBEL
32123Manufacture of jewellery
36223
46480Wholesale trade
47770Retail sale of watches and jewellery
64929Financial service activities, except insurance and pension funding
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:lisa@whiteshadow.be