INTERMEDIUMINVEST
ActiveINTERMEDIUMINVEST has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-26k) and a net result of €56k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.39 against 0.37 in 2024; short-term debt: 224.7% and cash: 4.1% of total assets), and equity is negative.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-124.7%
Return on assets
263.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9389 sector peers (2025).
NBB · sector comparisonPosition among 9389 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
30 d early
2024
20 d early
2023
30 d late
2022
22 d late
2021
29 d late
2020
12 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, micro schema
Equity
€-26k▲ 67.9%
2024 · €-82k
2020: €11k
2021: €48k
2022: €70k
2023: €-57k
2024: €-82k
2020 → 2025
Total assets
€21k▼ 4.2%
2024 · €22k
2020: €57k
2021: €124k
2022: €161k
2023: €42k
2024: €22k
2020 → 2025
Net result
€56k
2024 · €-26k
2020: €11k
2021: €37k
2022: €23k
2023: €-57k
2024: €-26k
2020 → 2025
Working capital
€-29k▲ 1.5%
2024 · €-29k
2020: €8k
2021: €42k
2022: €56k
2023: €-70k
2024: €-29k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€70k▲ 47.3%€-57k€-82k▼ 45.3%€-26k▲ 67.9%
Operating result€52k-€29k▼ 44.4%€-56k€-27k▲ 50.7%€56k
Net result€37k-€23k▼ 38.9%€-57k€-26k▲ 54.8%€56k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €56k after a loss of €27k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€3k▼ 42.3%
Current assets
€19k▲ 5.7%
Key figures and ratios
EBITDA
€58k▲
2024 · €-25k
Cash flow
€58k▲
2024 · €-23k
Solvency
-124.7%▲
2024 · -371.8%
Current ratio
0.39▲
2024 · 0.37
Quick ratio
0.39▲
2024 · 0.37
Debt / equity
-1.80▼
2024 · -1.27
ROA
263.6%▲
2024 · -115.9%
Interest coverage
155.27▲
2024 · -66.98
Debt
€48k▼
2024 · €104k
Debt ≤ 1 year
€48k▲
2024 · €47k
Debt > 1 year
€0▼
2024 · €57k
Income taxes
€0▼
2024 · €105
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€22k€21k▼
Fixed assets21/28€5k€3k▼
Tangible fixed assets22/27€5k€3k▼
Plant, machinery and equipment23€892€378▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€18k€19k▲
Amounts receivable within one year40/41€16k€18k▲
Trade receivables40€2k€11k▲
Other amounts receivable41€15k€7k▼
Cash at bank and in hand54/58€1k€872▼
Deferred charges and accrued income490/1€172€0▼
Equity and liabilities
Total equity and liabilities10/49€22k€21k▼
Equity10/15€-82k€-26k▲
Contributions10/11€100€100=
Profit (loss) carried forward14€-82k€-26k▲
Amounts payable17/49€104k€48k▼
Amounts payable after more than one year17€57k€0▼
Financial debts170/4€57k€0▼
Amounts payable within one year42/48€47k€48k▲
Trade debts44€47k€10k▼
Suppliers440/4€47k€10k▼
Taxes, remuneration and social security45€123€474▲
Taxes450/3€123€474▲
Other amounts payable47/48-€37k
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€853€528▼
Gross operating margin9900€-24k€59k▲
Operating profit (loss)9901€-27k€56k▲
Financial income75/76B€2k€7▼
Recurring financial income75€2k€7▼
Financial charges65/66B€375€374▼
Recurring financial charges65€375€374▼
Profit (loss) for the period before taxes9903€-26k€56k▲
Income taxes67/77€105€0▼
Profit (loss) for the period9904€-26k€56k▲
Profit (loss) for the period to be appropriated9905€-26k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-82k€-26k▲
Profit (loss) brought forward from the previous period14P€-57k€-82k▼
The notes to these accounts (7 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €56k
Net result €56k after 2 loss-making years.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-57k ▼351%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
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, Koksijde · 1 establishment unit since 2020
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.
Ranonkellaan(Kok) 188670 KoksijdeGround area
309 m²
Building footprint
62 m²
Volume, LiDAR
456 m³
Parcel 38014D0759/00B002, Flanders · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Intermediuminvest
since 20202.299.889.596
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014D0759/00B002 | Flanders | 309 m² | 1 · 62 m² | 9.8 m · 3 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.
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SPOTLESS ARCHITECTURE
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Of 18,249 companies in sector 71111 we hold annual accounts for 6,319. 5,459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-02-2020
Fiscal year end31-12
Activities, NACEBEL
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.