INTERIO
ActiveINTERIO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €332k and a net result of €36k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 44% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-2
Solvency59▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.66 in 2024; short-term debt: 20.4% and cash: 0.7% of total assets), and 65.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · 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
34.1%
Return on assets
3.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
61 d late
2023
29 d late
2022
30 d late
2021
9 d early
2020
27 d late
2019
28 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€332k▲ 12.2%
2024 · €296k
2018: €94k
2019: €119k
2020: €172k
2021: €203k
2022: €204k
2023: €249k
2024: €296k
2018 → 2025
Total assets
€974k▲ 1.5%
2024 · €960k
2018: €347k
2019: €347k
2020: €498k
2021: €589k
2022: €1.00M
2023: €962k
2024: €960k
2018 → 2025
Net result
€36k▼ 23.6%
2024 · €47k
2018: €18k
2019: €25k
2020: €53k
2021: €22k
2022: €997
2023: €45k
2024: €47k
2018 → 2025
Working capital
€-82k▼ 51.2%
2024 · €-54k
2018: €-68k
2019: €-47k
2020: €-18k
2021: €-44k
2022: €-71k
2023: €-75k
2024: €-54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€203k-€204k▲ 0.5%€249k▲ 22.1%€296k▲ 18.9%€332k▲ 12.2%
Operating result€33k-€16k▼ 50.7%€64k▲ 297%€81k▲ 25.7%€61k▼ 24.5%
Net result€22k-€997▼ 95.5%€45k▲ 4,425%€47k▲ 4.5%€36k▼ 23.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €974k
Fixed assets
€857k▲ 0.3%
Current assets
€117k▲ 11.3%
Equity and liabilities €974k
Equity
€332k▲ 12.2%
Provisions
€18k▼ 6.0%
Debt
€624k▼ 3.1%
The debt ratio falls from 67.1% to 64.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€105k▼
2024 · €129k
Cash flow
€80k▼
2024 · €95k
Solvency
34.1%▲
2024 · 30.9%
Current ratio
0.59▼
2024 · 0.66
Quick ratio
0.53▼
2024 · 0.60
Debt / equity
1.88▼
2024 · 2.17
ROE
10.8%▼
2024 · 15.9%
ROA
3.7%▼
2024 · 4.9%
Interest coverage
7.19▲
2024 · 6.98
Debt
€624k▼
2024 · €644k
Debt ≤ 1 year
€199k▲
2024 · €159k
Debt > 1 year
€422k▼
2024 · €482k
Income taxes
€14k▼
2024 · €17k
Staff costs
€96k▼
2024 · €140k
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€960k€974k▲
Fixed assets21/28€854k€857k▲
Tangible fixed assets22/27€854k€857k▲
Land and buildings22€838k€807k▼
Plant, machinery and equipment23€10k€10k▲
Furniture and vehicles24€6k€39k▲
Current assets29/58€105k€117k▲
Stocks and contracts in progress3€9k€13k▲
Stocks30/36€8k€8k▼
Contracts in progress37€924€5k▲
Amounts receivable within one year40/41€81k€80k▼
Trade receivables40€58k€44k▼
Other amounts receivable41€23k€37k▲
Cash at bank and in hand54/58€95€6k▲
Deferred charges and accrued income490/1€15k€18k▲
Equity and liabilities
Total equity and liabilities10/49€960k€974k▲
Equity10/15€296k€332k▲
Contributions10/11€6k€6k=
Revaluation surpluses12€9k€9k=
Reserves13€281k€317k▲
Tax-exempt reserves132€65k€61k▼
Distributable reserves133€216k€255k▲
Provisions and deferred taxes16€20k€18k▼
Deferred taxes168€20k€18k▼
Amounts payable17/49€644k€624k▼
Amounts payable after more than one year17€482k€422k▼
Financial debts170/4€482k€422k▼
Amounts payable within one year42/48€159k€199k▲
Current portion of amounts payable after more than one year42€70k€60k▼
Financial debts43€25k€45k▲
Credit institutions430/8€25k€45k▲
Trade debts44€46k€74k▲
Suppliers440/4€46k€74k▲
Taxes, remuneration and social security45€19k€20k▲
Taxes450/3€19k€18k▼
Remuneration and social security454/9-€2k
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€140k€96k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€44k▼
Other operating charges640/8€10k€7k▼
Gross operating margin9900€279k€208k▼
Operating profit (loss)9901€81k€61k▼
Financial income75/76B€800€2k▲
Recurring financial income75€800€2k▲
Financial charges65/66B€18k€15k▼
Recurring financial charges65€18k€15k▼
Profit (loss) for the period before taxes9903€63k€48k▼
Transfer from deferred taxes780€1k€1k▼
Income taxes67/77€17k€14k▼
Profit (loss) for the period9904€47k€36k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€51k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€40k▼
Transfer to equity691/2€51k€40k▼
To other reserves6921€51k€40k▼
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €997 ▼95.5%
Net result drops to €997, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €203k ▲18.2%
4 profitable years in a row build equity to €203k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €53k ▲115%
Net result €53k, the highest in the series.
31-12
Financial
Equity above €150kEq €172k ▲44.3%
3 profitable years in a row build equity to €172k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Equity above €100kEq €119k ▲26%
2 profitable years in a row build equity to €119k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Lochristi · 2 establishment units since 2006
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.
Dekenijstraat 419080 LochristiGround area
5,412 m²
Building footprint
813 m²
Volume, LiDAR
2,947 m³
2 parcels, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
INTERIO
since 20062.156.349.689
INTERIO
since 20142.231.459.363
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C1034/00A000 | Flanders | 4,490 m² | 1 · 606 m² | 8.9 m · 1 fl. |
| 44034C0428/00L002 | Flanders | 922 m² | 1 · 207 m² | 11.1 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.
Similar companies · same sector, comparable size
Bricogrez
BE 0628.824.967
Grez-Doiceau · Eq €330k
Special Coatings International
BE 0639.966.705
Kapellen · Eq €313k
FLOORCONCEPTS
BE 0895.553.983
Oostende · Eq €358k
Centrale des Produits chimiques et de peinture
BE 0403.975.207
Grâce-Hollogne · Eq €360k
Vescom Belgium
BE 0418.700.401
Antwerpen · Eq €362k
Of 230 companies in sector 46833 we hold annual accounts for 143. 122 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2006
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
45441
46833Wholesale trade
20300Manufacture of chemicals and chemical products
47526Retail trade
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.