Intergroup
ActiveSummary
Intergroup has been active since 1985 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €70,307 and a net result of €1,056. Equity has been stable since 2019 (±1% per year). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-04-1985 Normal situation
- Registered office
- 23 active companies are registered at this address 1 started in the 12 months before. Source: KBO register, as of 4 November 2026.
- Activity
- No activity registered in the KBO
- Establishment units
- 2.102.511.622 3630 Maasmechelen, since 01-01-1985
- 2.102.511.721 since 01-01-1985
- Financial year end
- 30 June
- Peppol
- Not found in the Peppol Directory
Board and ownership
- Ubaldo De VincentiisManaging director
- NV Immo LouisDirector · since 03-12-2021
- Pasqua SaponaroDirector · since 03-12-2021
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.2%
- Gross margin
- -€1,118
- ▲ 76.0%
- Profit
- €1,056
- Equity
- €70,307
- ▲ 1.5%
- Total assets
- €99,209
- ▲ 2.7%
Score breakdownraises riskLiquidity: current ratio 3.43, cash €0, halvedlowers riskSize: total assets €99,209Founded in 1985Equity €70,307 (70.9% of total assets)Show the evidence
Checked score
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro). It does better than 59% of them on solvency, 21% on liquidity, 31% on profitability and 53% on growth.
The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 78 days after the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-01-2026 PDF all 40 filings
Every figure per financial year
The operating result for 2025 is a loss of €1,600, smaller than the loss of €4,653 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €1,714 | €0 | ▼ 100% |
| Other operating charges640/8 | - | - | €618 | €355 | €0 | - | - | - |
| Non-recurring operating charges66A | - | - | - | - | - | - | €482 | - |
| Gross operating margin9900 | -€1,888 | €8,148 | -€1,573 | -€964 | -€1,203 | -€4,653 | -€1,118 | ▲ 76.0% |
| Operating profit (loss)9901 | -€2,141 | €8,148 | -€2,191 | -€1,319 | -€1,203 | -€4,653 | -€1,600 | ▲ 65.6% |
| Financial income75/76B | - | - | €1,675 | €2,372 | €2,781 | €2,322 | €2,686 | ▲ 15.7% |
| Recurring financial income75 | - | €1,441 | €1,675 | €2,372 | €2,781 | €2,322 | €2,686 | ▲ 15.7% |
| Financial charges65/66B | - | - | €25 | €24 | €30 | €30 | €30 | = |
| Recurring financial charges65 | €25 | €25 | €25 | €24 | €30 | €30 | €30 | = |
| Profit (loss) for the period before taxes9903 | -€2,166 | €9,564 | -€541 | €1,028 | €1,548 | -€2,362 | €1,056 | - |
| Profit (loss) for the period9904 | -€2,166 | €9,564 | -€541 | €1,028 | €1,548 | -€2,362 | €1,056 | - |
| Profit (loss) for the period to be appropriated9905 | -€2,166 | €9,564 | -€541 | €1,028 | €1,548 | -€2,362 | €1,056 | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €139,805 | €148,717 | €90,309 | €91,602 | €93,591 | €96,645 | €99,209 | ▲ 2.7% |
| Current assets29/58 | €139,805 | €148,717 | €90,309 | €91,602 | €93,591 | €96,645 | €99,209 | ▲ 2.7% |
| Amounts receivable within one year40/41 | €139,743 | €143,034 | €86,734 | €90,106 | €92,136 | €95,172 | €97,768 | ▲ 2.7% |
| Other amounts receivable41 | - | - | €86,734 | €90,106 | €92,136 | €95,172 | €97,768 | ▲ 2.7% |
| Cash at bank and in hand54/58 | €62 | €4,242 | €2,134 | €56 | €14 | €32 | €0 | ▼ 100% |
| Deferred charges and accrued income490/1 | - | - | €1,441 | €1,441 | €1,441 | €1,441 | €1,441 | = |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €139,805 | €148,717 | €90,309 | €91,602 | €93,591 | €96,645 | €99,209 | ▲ 2.7% |
| Equity10/15 | €60,014 | €69,578 | €69,037 | €70,065 | €71,613 | €69,251 | €70,307 | ▲ 1.5% |
| Contributions10/11 | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Capital10 | - | - | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Issued capital100 | - | - | €218,146 | €218,146 | €218,146 | €218,146 | €218,146 | = |
| Reserves13 | €17,137 | €17,137 | €17,137 | €17,137 | €17,137 | €17,137 | €17,137 | = |
| Non-distributable reserves130/1 | - | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Legal reserve130 | - | - | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Distributable reserves133 | - | - | €10,940 | €10,940 | €10,940 | €10,940 | €10,940 | = |
| Profit (loss) carried forward14 | -€175,270 | -€165,706 | -€166,246 | -€165,218 | -€163,670 | -€166,032 | -€164,976 | ▲ 0.6% |
| Amounts payable17/49 | €79,791 | €79,139 | €21,272 | €21,537 | €21,978 | €27,394 | €28,902 | ▲ 5.5% |
| Amounts payable after more than one year17 | €65,000 | €65,000 | - | - | - | - | - | - |
| Amounts payable within one year42/48 | €14,791 | €14,139 | €21,272 | €21,537 | €21,978 | €27,394 | €28,902 | ▲ 5.5% |
| Financial debts43 | - | - | - | - | - | - | €2 | - |
| Credit institutions430/8 | - | - | - | - | - | - | €2 | - |
| Trade debts44 | - | €968 | €5,620 | €5,885 | €6,327 | €6,932 | €7,985 | ▲ 15.2% |
| Suppliers440/4 | - | - | €5,620 | €5,885 | €6,327 | €6,932 | €7,985 | ▲ 15.2% |
| Other amounts payable47/48 | - | - | €15,651 | €15,651 | €15,651 | €20,463 | €20,915 | ▲ 2.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,166 | €9,564 | -€541 | €1,028 | €1,548 | -€2,362 | €1,056 | - |
| Operating cash flow (approximation) | -€2,166 | €9,564 | -€541 | €1,028 | €1,548 | -€2,362 | €1,056 | - |
| Change in cash | - | €4,180 | -€2,108 | -€2,078 | -€42 | €19 | -€32 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 17,041 companies had the same profile as Intergroup has now. Two years later, 94.3% were still going and 0.5% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Intergroup itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for Intergroup. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 40 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 29-01-2026 | 2026-00034655 | |
| 30-06-2024 | micro format | 31-01-2025 | 2025-00031310 | |
| 30-06-2023 | micro format | 30-01-2024 | 2024-00025888 | |
| 30-06-2022 | micro format | 31-01-2023 | 2023-00022466 | |
| 30-06-2021 | micro format | 15-11-2022 | 2022-20522775 | |
| 30-06-2020 | micro format | 29-01-2021 | 2021-04400239 | |
| 30-06-2019 | micro format | 22-10-2020 | 2020-63300233 | |
| 30-06-2018 | micro format | 28-02-2019 | 2019-06400030 | |
| 30-06-2017 | micro format | 25-10-2018 | 2018-70600036 | |
| 30-06-2016 | abbreviated format | 27-02-2017 | 2017-05600443 |
Board & ownership
Directors
Board 3
Day-to-day management 1
Owners and capital
Owners
Mandate history
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| NV Immo Louis |
|
| Pasqua Saponaro |
|
| Ubaldo De Vincentiis |
|
Network & group
Intergroup shares no director with another company.
Connections & network
3 current directorsThe network starts from the directors of Intergroup. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
02-04
Gazette deed
Reappointments: Ubaldo De Vincentiis, Pasqua Saponaro and NV Immo Louis6 points ▸
- General meeting, 05-12-2021
- Director reappointment, Ubaldo De Vincentiis (director)
- Director reappointment, Pasqua Saponaro (director)
- Director reappointment, NV Immo Louis (director)
- Board meeting, 05-12-2021
- Director reappointment, Ubaldo De Vincentiis (managing director)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the addresses
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 73048B0199/00T000 | Flanders | 1,956 m² | 1 · 440 m² | 15.1 m · 4 |
| 73048C0004/00X015 | Flanders | 542 m² | 1 · 118 m² | 9.8 m · 1 |