INTERGRAF
ActiveSummary
INTERGRAF has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €7.17M and a net result of €-224k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 73% of 615 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability10▼-76
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 19.73 against 19.87 in 2023; short-term debt: 4.6% and cash: 5.3% of total assets), and 21.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 94
Relative position
BE, all sectors
reference
Activities of membership organisations (NACE 94)
about 92% fewer bankruptcies
← 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
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 24-07-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
3 d early
2022
14 d late
2021
43 d late
2020
12 d late
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€436k
EBIT margin
-117.3%
Net result
€-224k
2023 · €1.08M
2018: €374k
2019: €436k▲ +16.6% vs 2018
2020: €-246k▼ -156% vs 2019lowest in 7 years
2021: €-110k▲ +55.4% vs 2020
2022: €213k▲ +294% vs 2021
2023: €1.08M▲ +406% vs 2022highest in 7 years
2024: €-224k▼ -121% vs 2023
2018 → 2024
Working capital
€7.98M▲ 20.8%
2023 · €6.60M
2018: €5.83M
2019: €5.62M▼ -3.6% vs 2018lowest in 7 years
2020: €6.14M▲ +9.4% vs 2019
2021: €6.26M▲ +1.9% vs 2020
2022: €6.22M▼ -0.5% vs 2021
2023: €6.60M▲ +6.1% vs 2022
2024: €7.98M▲ +20.8% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€436k
Equity€6.22M-€6.11M▼ 1.8%€6.32M▲ 3.5%€7.40M▲ 17.0%€7.17M▼ 3.1%
2020: €6.22M
2021: €6.11M▼ -1.8% vs 2020lowest in 5 years
2022: €6.32M▲ +3.5% vs 2021
2023: €7.40M▲ +17.0% vs 2022highest in 5 years
2024: €7.17M▼ -3.1% vs 2023
Operating result€-271k-€-274k▼ 1.0%€538k€777k▲ 44.2%€-511k
2020: €-271k
2021: €-274k▼ -1.0% vs 2020
2022: €538k▲ +297% vs 2021
2023: €777k▲ +44.2% vs 2022highest in 5 years
2024: €-511k▼ -166% vs 2023lowest in 5 years
Net result€-246k-€-110k▲ 55.4%€213k€1.08M▲ 406%€-224k
2020: €-246klowest in 5 years
2021: €-110k▲ +55.4% vs 2020
2022: €213k▲ +294% vs 2021
2023: €1.08M▲ +406% vs 2022highest in 5 years
2024: €-224k▼ -121% vs 2023
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €511k after €777k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €9.17M
Fixed assets
€768k ▼ 4.1%
Current assets
€8.41M ▲ 20.9%
Equity and liabilities €9.17M
Equity
€7.17M ▼ 3.1%
Debt
€2.00M ▲ 461%
Debt's share of the balance-sheet total rises from 4.6% to 21.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-470k▼
2023 · €818k
Cash flow
€-183k▼
2023 · €1.12M
Current ratio
19.73▼
2023 · 19.87
Debt to equity
0.28▲
2023 · 0.05
ROE
-3.1%▼
2023 · 14.5%
ROA
-2.4%▼
2023 · 13.9%
Interest coverage
-9.88▼
2023 · 14.05
Debt ≤ 1 year
€426k▲
2023 · €350k
Staff costs
€679k▼
2023 · €989k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€7.75M€9.17M▲
Fixed assets21/28€801k€768k▼
Tangible fixed assets22/27€800k€768k▼
Land and buildings22€760k€733k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€36k€32k▼
Financial fixed assets28€180€180=
Current assets29/58€6.95M€8.41M▲
Amounts receivable within one year40/41€528k€647k▲
Trade receivables40€473k€629k▲
Other amounts receivable41€54k€18k▼
Current investments50/53€4.72M€6.49M▲
Cash at bank and in hand54/58€1.65M€489k▼
Deferred charges and accrued income490/1€53k€782k▲
Equity and liabilities
Total equity and liabilities10/49€7.75M€9.17M▲
Equity10/15€7.40M€7.17M▼
Profit (loss) carried forward14€7.40M€7.17M▼
Amounts payable17/49€357k€2.00M▲
Amounts payable within one year42/48€350k€426k▲
Trade debts44€110k€208k▲
Suppliers440/4€110k€208k▲
Taxes, remuneration and social security45€240k€219k▼
Taxes450/3€112k€81k▼
Remuneration and social security454/9€127k€138k▲
Accrued charges and deferred income492/3€7k€1.58M▲
Income statement
Code20232024
Turnover70-€436k
Goods, raw materials, services and sundry goods60/61-€511k
Remuneration, social security and pensions62€989k€679k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€41k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-5k€14k▲
Other operating charges640/8€82k€89k▲
Gross operating margin9900€1.88M€312k▼
Operating profit (loss)9901€777k€-511k▼
Financial income75/76B€357k€334k▼
Recurring financial income75€357k€334k▼
Financial charges65/66B€58k€48k▼
Recurring financial charges65€58k€48k▼
Profit (loss) for the period before taxes9903€1.08M€-224k▼
Profit (loss) for the period9904€1.08M€-224k▼
Profit (loss) for the period to be appropriated9905€1.08M€-224k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7.40M€7.17M▼
Profit (loss) brought forward from the previous period14P€6.32M€7.39M▲
Social balance
Average headcount (FTE)90877.38.8▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | - | €436k | - |
| Non-recurring operating income76A | - | - | €158k | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | - | €511k | - |
| Remuneration, social security and pensions62 | - | €703k | €926k | €989k | €679k | ▼ 31.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €85k | €84k | €84k | €41k | €41k | ▼ 0.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €-9k | €61k | €-5k | €14k | ▲ 370% |
| Other operating charges640/8 | - | €33k | €41k | €82k | €89k | ▲ 8.5% |
| Gross operating margin9900 | €194k | €536k | €1.65M | €1.88M | €312k | ▼ 83.4% |
| Operating profit (loss)9901 | €-271k | €-274k | €538k | €777k | €-511k | ▼ 166% |
| Financial income75/76B | - | €221k | €142k | €357k | €334k | ▼ 6.4% |
| Recurring financial income75 | €101k | €221k | €142k | €357k | €334k | ▼ 6.4% |
| Financial charges65/66B | - | €57k | €468k | €58k | €48k | ▼ 18.3% |
| Recurring financial charges65 | €76k | €57k | €468k | €58k | €48k | ▼ 18.3% |
| Profit (loss) for the period before taxes9903 | €-246k | €-110k | €213k | €1.08M | €-224k | ▼ 121% |
| Profit (loss) for the period9904 | €-246k | €-110k | €213k | €1.08M | €-224k | ▼ 121% |
| Profit (loss) for the period to be appropriated9905 | €-246k | €-110k | €213k | €1.08M | €-224k | ▼ 121% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7.28M | €7.39M | €7.25M | €7.75M | €9.17M | ▲ 18.3% |
| Fixed assets21/28 | €948k | €870k | €794k | €801k | €768k | ▼ 4.1% |
| Tangible fixed assets22/27 | €948k | €870k | €794k | €800k | €768k | ▼ 4.1% |
| Land and buildings22 | - | €849k | €787k | €760k | €733k | ▼ 3.5% |
| Plant, machinery and equipment23 | - | €9k | €7k | €5k | €3k | ▼ 39.2% |
| Furniture and vehicles24 | - | €12k | €138 | €36k | €32k | ▼ 10.6% |
| Financial fixed assets28 | €180 | €180 | €180 | €180 | €180 | = |
| Current assets29/58 | €6.33M | €6.52M | €6.46M | €6.95M | €8.41M | ▲ 20.9% |
| Amounts receivable within one year40/41 | €205k | €312k | €664k | €528k | €647k | ▲ 22.6% |
| Trade receivables40 | - | €280k | €643k | €473k | €629k | ▲ 32.9% |
| Other amounts receivable41 | - | €31k | €21k | €54k | €18k | ▼ 66.6% |
| Current investments50/53 | €4.67M | €4.86M | €5.12M | €4.72M | €6.49M | ▲ 37.5% |
| Cash at bank and in hand54/58 | €954k | €785k | €464k | €1.65M | €489k | ▼ 70.5% |
| Deferred charges and accrued income490/1 | - | €559k | €205k | €53k | €782k | ▲ 1,388% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7.28M | €7.39M | €7.25M | €7.75M | €9.17M | ▲ 18.3% |
| Equity10/15 | €6.22M | €6.11M | €6.32M | €7.40M | €7.17M | ▼ 3.1% |
| Profit (loss) carried forward14 | €6.22M | €6.11M | €6.32M | €7.40M | €7.17M | ▼ 3.1% |
| Provisions and deferred taxes16 | €124k | €124k | - | - | - | - |
| Provisions for liabilities and charges160/5 | - | €124k | - | - | - | - |
| Other liabilities and charges164/5 | - | €124k | - | - | - | - |
| Amounts payable17/49 | €937k | €1.15M | €928k | €357k | €2.00M | ▲ 461% |
| Amounts payable after more than one year17 | €35k | €35k | - | - | - | - |
| Financial debts170/4 | - | €35k | - | - | - | - |
| Amounts payable within one year42/48 | €188k | €259k | €232k | €350k | €426k | ▲ 21.7% |
| Trade debts44 | €118k | €113k | €151k | €110k | €208k | ▲ 87.9% |
| Suppliers440/4 | - | €113k | €151k | €110k | €208k | ▲ 87.9% |
| Taxes, remuneration and social security45 | - | €146k | €81k | €240k | €219k | ▼ 8.8% |
| Taxes450/3 | - | €41k | €12k | €112k | €81k | ▼ 28.1% |
| Remuneration and social security454/9 | - | €105k | €69k | €127k | €138k | ▲ 8.2% |
| Accrued charges and deferred income492/3 | - | €860k | €696k | €7k | €1.58M | ▲ 21,725% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-246k | €-110k | €213k | €1.08M | €-224k | ▼ 121% |
| + Depreciation and write-downs630 | €85k | €84k | €84k | €41k | €41k | ▼ 0.7% |
| Operating cash flow (approximation) | €-161k | €-26k | €296k | €1.12M | €-183k | ▼ 116% |
| Investment in fixed assets (approximation) | - | €-5k | €-8k | €-48k | €-8k | ▲ 82.4% |
| Change in cash | - | €-169k | €-321k | €1.19M | €-1.17M | ▼ 198% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €1.08M ▲406%
Operating result €777k, net result €1.08M, both a record.
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
31-12
Financial
Back to profitnet €213k
Net result €213k after 2 loss-making years.
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 43 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 12 days late
2020
31-12
Financial
Weakest financial yearnet €-246k
Net result drops to €-246k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
04-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 25 acts read
About the unread acts
We know of 25 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
25 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, Brussel · 1 establishment unit since 1984
Ground area
433 m²
Building footprint
401 m²
Volume, LiDAR
10,818 m³
Parcel 21807G0053/00Y000, Brussels · tallest building 34.3 m, ±10 floors. Linked by address, not a title deed.
19
companies at this address
See who is registered here
1 establishment unit
Louizalaan 130a, 1050 Brussel
since 19842.229.442.654
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0053/00Y000 | Brussels | 433 m² | 1 · 401 m² | 34.3 m · 10 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
5493000V4ZFRGIHBUY31
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Of 1,008 companies in sector 94120 we hold annual accounts for 351. 179 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formInt'l non-profit association
Founded30-05-1984
Fiscal year end31-12
Activities, NACEBEL 2025
94110Activities of business and employers' organisations
94120Activities of professional membership organisations
Scores and ratios are computed by Checked and are not a credit decision.