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INTERMONT

Active
Public limited companyfounded 199333 yrs activeRue Le Campinaire(FAR) 154, 6240 Farciennes, BelgiumKBO/BCE: BE 0449.175.821
Summary

INTERMONT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €472,845 and a net result of -€25,835. Equity is shrinking by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 4814 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability65▲+62
Solvency84▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 30.84 against 3.28 in 2024; short-term debt: 2.8% and cash: 0.3% of total assets), and 41.2% of the assets are financed with debt.
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Signals

Six 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 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 33 years 0 40 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€25,835
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 d early
2024
9 d early
2023
40 d early
2022
15 d early
2021
3 d early
2020
15 d late
2019
14 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 22 January (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close01-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

INTERMONT was incorporated on 20 January 1993.1 Total assets rose from EUR 535,410 in 2019 to EUR 804,315 in 2025 and headcount from 7.3 full-time equivalents in 2019 to 0.3 in 2023.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019, 2023 and 2025

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Financials · fiscal year 2025, micro schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€25,835▲ 81.1%
2024 · -€136,808
Working capital
€664,962▲ 15.1%
2024 · €577,741
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€67,726-€51,999▲ 23.2%€94,341-€135,661-€22,559▲ 83.4%
Net result-€50,019below the sector's middle half-€115,140below the sector's middle half▼ 130%€72,211above the sector's middle half-€136,808below the sector's middle half-€25,835below the sector's middle half▲ 81.1%
Equity€678,416within the sector's middle half▼ 6.9%€563,276above the sector's middle half▼ 17.0%€635,487above the sector's middle half▲ 12.8%€498,679above the sector's middle half▼ 21.5%€472,845above the sector's middle half▼ 5.2%
Total assets€998,547within the sector's middle half▼ 30.6%€885,207above the sector's middle half▼ 11.4%€1.4mabove the sector's middle half▲ 62.5%€1.1mabove the sector's middle half▼ 26.2%€804,315above the sector's middle half▼ 24.2%
Debt€11,172▼ 97.2%€12,972▲ 16.1%€493,746▲ 3,706%€253,312▼ 48.7%€22,510▼ 91.1%
Working capital€720,063above the sector's middle half▲ 6.0%€712,104above the sector's middle half▼ 1.1%€565,615above the sector's middle half▼ 20.6%€577,741above the sector's middle half▲ 2.1%€664,962above the sector's middle half▲ 15.1%
Solvency67.9%above the sector's middle half▲ 17.3pp63.6%within the sector's middle half▼ 4.3pp44.2%within the sector's middle half▼ 19.4pp47.0%within the sector's middle half▲ 2.8pp58.8%within the sector's middle half▲ 11.8pp
Current ratio65.45above the sector's middle half▲ 62.7755.90above the sector's middle half▼ 9.562.15within the sector's middle half▼ 53.753.28above the sector's middle half▲ 1.1330.84above the sector's middle half▲ 27.56
Return on assets (ROA)-5.0%below the sector's middle half▼ 48.0pp-13.0%below the sector's middle half▼ 8.0pp5.0%within the sector's middle half▲ 18.0pp-12.9%below the sector's middle half▼ 17.9pp-3.2%below the sector's middle half▲ 9.7pp
Staff (FTE)0.3
above within below the middle half (P25 to P75) of NACE 49, Land transport and transport via pipelines, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
-€200,000-€100,000€0€100,000Operating result 2021: -€67,726-€67,726Net result 2021: -€50,019-€50,019Operating result 2022: -€51,999-€51,999Net result 2022: -€115,140-€115,140Operating result 2023: €94,341€94,341Net result 2023: €72,211€72,211Operating result 2024: -€135,661-€135,661Net result 2024: -€136,808-€136,808Operating result 2025: -€22,559-€22,559Net result 2025: -€25,835-€25,83520212022202320242025-€200,000-€100,000€0€100,000Operating result 2023: €94,341€94,300Net result 2023: €72,211€72,200Operating result 2024: -€135,661-€136,000Net result 2024: -€136,808-€137,000Operating result 2025: -€22,559-€22,600Net result 2025: -€25,835-€25,800202320242025
The operating result stays negative: a loss of €22,559 in 2025 against €135,661 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €804,315
Fixed assets €117,070 ▼ 49.1%
Current assets €687,245 ▼ 17.3%
Equity and liabilities €804,315
Equity €472,845 ▼ 5.2%
Provisions €308,960 =
Debt €22,510 ▼ 91.1%
Debt's share of the balance-sheet total falls from 23.9% to 2.8%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€24,911▲
2024 · -€57,581
Cash flow
€21,636▲
2024 · -€58,728
Debt to equity
0.05▼
2024 · 0.51
ROE
-5.5%▲
2024 · -27.4%
Interest coverage
7.57▲
2024 · -50.22
Debt ≤ 1 year
€22,283▼
2024 · €253,312
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 8,612 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a small loss
0.4% went bankrupt
5.1% stopped otherwise
94% still going

A further 0.2% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 0.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 8,612 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.1m€804,315▼
Fixed assets21/28€229,898€117,070▼
Tangible fixed assets22/27€227,398€114,570▼
Furniture and vehicles24€227,398€114,570▼
Financial fixed assets28€2,500€2,500=
Current assets29/58€831,053€687,245▼
Amounts receivable within one year40/41€828,874€684,647▼
Trade receivables40€184,588€35,313▼
Other amounts receivable41€644,286€649,334▲
Cash at bank and in hand54/58€1,756€2,598▲
Deferred charges and accrued income490/1€423-
Equity and liabilities
Total equity and liabilities10/49€1.1m€804,315▼
Equity10/15€498,679€472,845▼
Contributions10/11€62,000€62,000=
Capital10€62,000€62,000=
Issued capital100€62,000€62,000=
Reserves13€1.0m€1.0m=
Non-distributable reserves130/1€7,000€7,000=
Legal reserve130€7,000€7,000=
Tax-exempt reserves132€926,879€926,879=
Distributable reserves133€100,000€100,000=
Profit (loss) carried forward14-€597,199-€623,034▼
Provisions and deferred taxes16€308,960€308,960=
Deferred taxes168€308,960€308,960=
Amounts payable17/49€253,312€22,510▼
Amounts payable within one year42/48€253,312€22,283▼
Trade debts44€241,782€16,588▼
Suppliers440/4€241,782€16,588▼
Taxes, remuneration and social security45€5,579€0▼
Taxes450/3€5,579€0▼
Remuneration and social security454/9€0-
Other amounts payable47/48€5,951€5,695▼
Accrued charges and deferred income492/3€0€227▲
Income statement Code20242025
Remuneration, social security and pensions62€2,616-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78,080€47,470▼
Other operating charges640/8€2,714€70,847▲
Gross operating margin9900-€52,252€95,758▲
Operating profit (loss)9901-€135,661-€22,559▲
Financial income75/76B-€14
Recurring financial income75-€14
Financial charges65/66B€1,147€3,289▲
Recurring financial charges65€1,147€3,289▲
Profit (loss) for the period before taxes9903-€136,808-€25,835▲
Profit (loss) for the period9904-€136,808-€25,835▲
Profit (loss) for the period to be appropriated9905-€136,808-€25,835▲
Appropriation of the result
Profit (loss) to be appropriated9906-€597,199-€623,034▼
Profit (loss) brought forward from the previous period14P-€460,392-€597,199▼

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Non-recurring operating income76A-€0----
Remuneration, social security and pensions62--€10,387€2,616--
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90,500€67,380€99,615€78,080€47,470▼ 39.2%
Other operating charges640/8-€9,903€7,647€2,714€70,847▲ 2,511%
Gross operating margin9900€106,006€25,284€211,990-€52,252€95,758▲ 283%
Operating profit (loss)9901-€67,726-€51,999€94,341-€135,661-€22,559▲ 83.4%
Financial income75/76B-€23€181-€14-
Recurring financial income75€2€23€20-€14-
Non-recurring financial income76B-€0€161---
Financial charges65/66B-€63,016€22,154€1,147€3,289▲ 187%
Recurring financial charges65€7,282€1,671€1,959€1,147€3,289▲ 187%
Non-recurring financial charges66B-€61,345€20,195---
Profit (loss) for the period before taxes9903-€49,873-€114,992€72,368-€136,808-€25,835▲ 81.1%
Income taxes67/77€146€148€157---
Profit (loss) for the period9904-€50,019-€115,140€72,211-€136,808-€25,835▲ 81.1%
Profit (loss) for the period to be appropriated9905-€50,019-€115,140€72,211-€136,808-€25,835▲ 81.1%
Line20212022202320242025Change
Assets
Total assets20/58€998,547€885,207€1.4m€1.1m€804,315▼ 24.2%
Fixed assets21/28€267,313€160,132€378,986€229,898€117,070▼ 49.1%
Tangible fixed assets22/27€267,082€157,601€376,486€227,398€114,570▼ 49.6%
Furniture and vehicles24-€157,601€376,486€227,398€114,570▼ 49.6%
Financial fixed assets28€231€2,531€2,500€2,500€2,500=
Current assets29/58€731,234€725,075€1.1m€831,053€687,245▼ 17.3%
Amounts receivable within one year40/41€720,322€721,683€984,147€828,874€684,647▼ 17.4%
Trade receivables40-€134,245€489,611€184,588€35,313▼ 80.9%
Other amounts receivable41-€587,438€494,536€644,286€649,334▲ 0.8%
Cash at bank and in hand54/58€10,389€2,331€74,119€1,756€2,598▲ 47.9%
Deferred charges and accrued income490/1-€1,061€941€423--
Equity and liabilities
Total equity and liabilities10/49€998,547€885,207€1.4m€1.1m€804,315▼ 24.2%
Equity10/15€678,416€563,276€635,487€498,679€472,845▼ 5.2%
Contributions10/11€62,000€62,000€62,000€62,000€62,000=
Capital10-€62,000€62,000€62,000€62,000=
Issued capital100-€62,000€62,000€62,000€62,000=
Reserves13€1.0m€1.0m€1.0m€1.0m€1.0m=
Non-distributable reserves130/1-€7,000€7,000€7,000€7,000=
Legal reserve130-€7,000€7,000€7,000€7,000=
Tax-exempt reserves132-€926,879€926,879€926,879€926,879=
Distributable reserves133-€100,000€100,000€100,000€100,000=
Profit (loss) carried forward14-€417,463-€532,603-€460,392-€597,199-€623,034▼ 4.3%
Provisions and deferred taxes16€308,960€308,960€308,960€308,960€308,960=
Deferred taxes168-€308,960€308,960€308,960€308,960=
Amounts payable17/49€11,172€12,972€493,746€253,312€22,510▼ 91.1%
Amounts payable within one year42/48€11,172€12,972€493,592€253,312€22,283▼ 91.2%
Trade debts44€11,026€12,824€408,574€241,782€16,588▼ 93.1%
Suppliers440/4-€12,824€408,574€241,782€16,588▼ 93.1%
Taxes, remuneration and social security45-€148€85,018€5,579€0▼ 100%
Taxes450/3-€148€80,325€5,579€0▼ 100%
Remuneration and social security454/9--€4,693€0--
Other amounts payable47/48---€5,951€5,695▼ 4.3%
Accrued charges and deferred income492/3--€154€0€227-
Line20212022202320242025Change
Profit (loss) for the period9904-€50,019-€115,140€72,211-€136,808-€25,835▲ 81.1%
+ Depreciation and write-downs630€90,500€67,380€99,615€78,080€47,470▼ 39.2%
Operating cash flow (approximation)€40,481-€47,760€171,826-€58,728€21,636▲ 137%
Investment in fixed assets (approximation)-€39,801-€318,469€71,008€65,357▼ 8.0%
Change in cash--€8,058€71,789-€72,363€841▲ 101%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
27-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial Liquidity times 9current ratio 30.84
Current ratio from 3.28 to 30.84; short-term debt falls from €253,312 to €22,283.
22-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2023
22-12
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial Back to profitnet €72,211
Net result €72,211 after 2 loss-making years.
16-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial Liquidity times 24current ratio 65.45
Current ratio from 2.69 to 65.45; short-term debt falls from €402,287 to €11,172.
15-02
NBB filing Annual accounts filed
fiscal year 2020 · full schema · 15 days late
2020
30-06
Financial Back to profitnet €618,260
Net result €618,260 after one loss-making year.
30-06
Financial Liquidity triplescurrent ratio 2.69
Current ratio from 0.88 to 2.69; short-term debt falls from €425,235 to €402,287.
30-06
Financial Equity above €500,000Eq €728,435 ▲561%
Equity rises from €110,175 to €728,435.
Show earlier events
17-01
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2018
17-12
NBB filing Annual accounts filed
fiscal year 2018 · full schema
2017
05-12
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2016
05-12
NBB filing Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 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
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Farciennes · 1 establishment unit since 1993
seat establishment The establishment unit on the map
Ground area
1,619 m²
Building footprint
12 m²
Volume, LiDAR
70 m³
Parcel 52018A0105/00E003, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTERMONT
Rue Le Campinaire(FAR) 154, 6240 FarciennesNACE 60242
since 19932.060.631.772
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52018A0105/00E003 Wallonia 1,619 m² 1 · 12 m² 7.5 m · 2 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.

Similar companies · same sector, comparable size

Of 12,573 companies in this sector we hold annual accounts for 8,205. 5,303 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company details

Identification
Legal formPublic limited company
Founded20-01-1993
Fiscal year end30-06
Activities, NACEBEL 2025
49410Freight transport by road
E-invoicing
Not found in the Peppol register

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Scores and ratios are computed by Checked and are not a credit decision.