INTERMAT
ActiveINTERMAT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €20k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 71% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency87▼-13
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 24.71 in 2024; short-term debt: 37.6% and cash: 43.3% of total assets), and 37.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
62.4%
Return on assets
9.1%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €140k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
7 d late
2023
21 d late
2022
7 d late
2021
17 d late
2020
17 d late
2019
20 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€188k
EBIT margin
21.9%
Net result
€20k▼ 43.9%
2024 · €36k
2018: €26k
2019: €28k
2020: €15k
2021: €17k
2022: €6k
2023: €-33k
2024: €36k
2018 → 2025
Working capital
€57k▼ 49.4%
2024 · €114k
2018: €99k
2019: €81k
2020: €111k
2021: €126k
2022: €122k
2023: €103k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€150k-€141k▼ 6.3%€108k▼ 23.3%€119k▲ 10.4%€140k▲ 17.0%
Operating result€24k-€8k▼ 66.1%€-32k€37k€24k▼ 35.7%
Net result€17k-€6k▼ 67.1%€-33k€36k€20k▼ 43.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€82k▲ 1,346%
Current assets
€142k▲ 19.7%
Equity and liabilities €224k
Equity
€140k▲ 17.0%
Debt
€84k▲ 1,657%
The debt ratio rises from 3.9% to 37.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €40k
Cash flow
€28k▼
2024 · €39k
Solvency
62.4%▼
2024 · 96.1%
Current ratio
1.68▼
2024 · 24.71
Quick ratio
1.49▼
2024 · 21.59
Debt / equity
0.60▲
2024 · 0.04
ROE
14.6%▼
2024 · 30.4%
ROA
9.1%▼
2024 · 29.2%
Interest coverage
258.30▲
2024 · 124.98
Debt
€84k▲
2024 · €5k
Debt ≤ 1 year
€84k▲
2024 · €5k
Income taxes
€3k▲
2024 · €420
Staff costs
€1k▲
2024 · €416
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€124k€224k▲
Fixed assets21/28€6k€82k▲
Tangible fixed assets22/27€6k€82k▲
Plant, machinery and equipment23-€78k
Furniture and vehicles24€6k€4k▼
Financial fixed assets28-€100
Current assets29/58€118k€142k▲
Stocks and contracts in progress3€15k€16k▲
Stocks30/36€10k€7k▼
Contracts in progress37€5k€9k▲
Amounts receivable within one year40/41€13k€29k▲
Trade receivables40€7k-
Other amounts receivable41€5k€29k▲
Cash at bank and in hand54/58€91k€97k▲
Equity and liabilities
Total equity and liabilities10/49€124k€224k▲
Equity10/15€119k€140k▲
Contributions10/11€12k€12k=
Reserves13€103k€107k▲
Distributable reserves133€103k€107k▲
Profit (loss) carried forward14€3k€20k▲
Amounts payable17/49€5k€84k▲
Amounts payable within one year42/48€5k€84k▲
Trade debts44€126€12k▲
Suppliers440/4€126€12k▲
Taxes, remuneration and social security45€1k€214▼
Taxes450/3€1k€214▼
Other amounts payable47/48€3k€72k▲
Income statement
Code20242025
Remuneration, social security and pensions62€416€1k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€42k€35k▼
Operating profit (loss)9901€37k€24k▼
Financial income75/76B€60€69▲
Recurring financial income75€60€69▲
Financial charges65/66B€319€343▲
Recurring financial charges65€319€120▼
Non-recurring financial charges66B-€223
Profit (loss) for the period before taxes9903€37k€23k▼
Income taxes67/77€420€3k▲
Profit (loss) for the period9904€36k€20k▼
Profit (loss) for the period to be appropriated9905€36k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€24k▲
Profit (loss) brought forward from the previous period14P€-33k€3k▲
Transfer from equity791/2€25k-
Transfer to equity691/2-€3k
To other reserves6921-€3k
Profit to be distributed694/7€25k-
Return on contributions (dividend)694€25k-
The notes to these accounts (9 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 24.71
Current ratio from 9.80 to 24.71; short-term debt falls from €12k to €5k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €-33k ▼690%
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 7 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
31-12
Financial
Equity above €150kEq €150k ▲11.4%
3 profitable years in a row build equity to €150k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 3 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wommelgem · 1 establishment unit since 2012
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.
Moffenhoeven 162160 WommelgemGround area
120 m²
Building footprint
140 m²
Volume, LiDAR
834 m³
Parcel 11052C0541/00D002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTERMAT
since 20122.208.463.039
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0541/00D002 | Flanders | 120 m² | 1 · 140 m² | 9.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 162 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 0 EUR | 162 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 7,663 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-2012
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.