Equity
€625,366 ▼ 18.2%
INTERSECTIO paid out €128,000 in dividends in a year with a loss of €11,604.
INTERSECTIO
Lifetime
15 annual accounts with figures on one time axispeak €587,426 (2016)
€16,373▲ 0.2%
lowest -€32,549 (2017)
-€11,604▼ €14,124
peak €827,450 (2023)
€625,366▼ 18.2%
€136,926▼ 11.0%
peak 0 FTE (2023)
0 FTE
Board1 name since 2021
1 directorLAMBRECHTS Cédric Yves Léon Béatrice
Documentsfilings and deeds
31-03-2026122 days before the deadline
2025abbreviated format
Loss of €11,604Dividend €128,000Equity from €764,970 to €625,366Investments €69,116Cash from €258,900 to €171,391
Key points
from the 2025 annual accountsInvestments
€69,116 2.0 × depreciation
Green is investment, beige is depreciation.
Filings
15 annual accounts since 2011
The last five annual accounts were filed 41 to 122 days before the end of the period.
Checked score
94
Excellent
Financially stronger than 49% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025highest value
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: total assets €762,291
Liquidity: current ratio 4.36, cash €171,391
Equity €625,366 (82.0% of total assets)
Figures for financial year 2025 (filed on 02-04-2026)
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 (NACE 70, micro). It does better than 86% of them on solvency, 65% on liquidity, 20% on profitability and 23% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,686 companies had the same profile as INTERSECTIO has now. Each dot stands for 7 companies, two years later.
93.7%
were still trading
5.4%
stopped another way
0.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INTERSECTIO itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 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 2,686 companies, not a prediction for INTERSECTIO. 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.
Credit verdict
Credit of up to €55,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 4.36 (5.12 in 2024), above the usual 1.5. Short-term debt is 18% and cash 22.5% of total assets. 18% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 31-03-2026, 122 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
122 days early
2024
41 days early
2023
49 days early
2022
41 days early
2021
44 days early
2020
57 days early
2019
38 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 56 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 17 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0824669650
Change of role: LAMBRECHTS Cédric Yves Léon Béatrice, from manager to director
“Het optreden en de dienstverlening als studie-, organisatie- en raadgevend kantoor inzake financiële, handels-…” (deed in Dutch) · Director discharge: LAMBRECHTS Cédric Yves Léon Béatrice · Gazette deed
Incorporation
published on 16-04-2010 · Gazette deed
First establishment
Vijf Bunderlaan 33, Woluwe-Saint-Pierre
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| INTERSECTIO Woluwe-Saint-Pierre | €762,291 | €16,373 | 82.0% | 0 |
| HOEVEDREEF Antwerp | €681,671 | €14,638 | 67.8% | 0 |
| PREMIUM MANAGEMENT Grimbergen | €588,672 | €14,132 | 84.9% | 0 |
| MD TECHNICS Verviers | €710,160 | €21,189 | 96.5% | 0 |
| VANHIE GROEP Wemmel | €980,616 | €13,176 | -3.0% | 0 |
| H & S INVEST Heusden-Zolder | €522,012 | €18,242 | 55.5% | 0 |
| XXImo Belgium Antwerp | €706,621 | €11,614 | 12.6% | 0 |
These companies have the same main activity as INTERSECTIO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €522,000 and €981,000, founded between 2008 and 2012.
Official details
Source: KBO- Status
- Active since 06-04-2010Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.186.818.8741150 Woluwe-Saint-Pierre, since 01-04-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 27-03-2026
Annual accounts 2025
- ≈ €65,000estimated
- €762,291▼ 17.0%
- Filing
- Filed on 31-03-2026, 122 days before the end of the filing period
Insights on INTERSECTIO
INTERSECTIO files the abbreviated format. That format states no turnover. The gross margin rose from -€18,671 in 2011 to €16,373 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about INTERSECTIO
- What is the company number of INTERSECTIO?
- The company number of INTERSECTIO is 0824.669.650. The VAT number is the same number with BE in front: BE 0824.669.650.
- Where is INTERSECTIO based?
- The registered office is at Vijf Bunderlaan 33, 1150 Woluwe-Saint-Pierre.Company details
- What does INTERSECTIO do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of INTERSECTIO?
- INTERSECTIO is a private limited company (BV).
- When was INTERSECTIO founded?
- INTERSECTIO was founded on 06-04-2010.
- Is INTERSECTIO still active?
- Yes, INTERSECTIO is an active enterprise in the KBO register.
- What is the turnover of INTERSECTIO?
- The turnover in financial year 2025 is ≈ €65,000. This figure is estimated from the gross margin of €16,373 and 140 comparable companies (NACE 70200). It probably lies between €28,000 and €160,000. It is a rough estimate.Financials
- Is INTERSECTIO profitable?
- In financial year 2025, INTERSECTIO made a loss of €11,604.
- Where can I find the annual accounts of INTERSECTIO?
- INTERSECTIO filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of INTERSECTIO due?
- INTERSECTIO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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