INTERSOFT ELECTRONICS
ActiveSummary
INTERSOFT ELECTRONICS has been active since 1983 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.7m and a net result of €1.1m. Equity is shrinking by about 25% per year across the filed financial years. Its solvency ranks better than 25% of 1,657 sector peers (NACE 62, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Financials · financial year 2025, full format
In the rankings
#1 company by total assets in Olen, Telecoms and IT sector#1 oldest company in Olen, Telecoms and IT sector#3 company by staff growth in Olen
Turnover
€15.8m▲ 51.3%
2024 · €10.4m
EBIT margin
10.8%▲ 7.6pp
2024 · 3.2%
Net result
€1.1m
2024 · -€87,348
Working capital
€8.3m▲ 44.9%
2024 · €5.7m
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 8 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 405% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Turnover€15.8m
2025
Operating result€1.7m
2025
Net result€1.1m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€16.3m
2025
Equity€1.7m
2025
Debt€14.6m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€8.3m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
EBIT margin10.8%
2025
Return on assets (ROA)6.7%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency10.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio2.86
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)70.5
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line20192019202020212022202320242025
Turnover€12.5m-€9.7m-€10.8m▲ 11.3%€11.1m▲ 2.3%€7.8m▼ 29.7%€9.1m▲ 17.6%€10.4m▲ 14.3%€15.8m▲ 51.3%
Operating result€3.9m-€2.6m-€1.6m▼ 36.2%€2.3m▲ 37.2%-€0.1m-€1.0m▼ 814%€0.3m€1.7m▲ 405%
Net result€3.6m-€2.3m-€1.4mabove the sector's middle half▼ 40.1%€1.9mabove the sector's middle half▲ 40.4%-€0.1mbelow the sector's middle half-€1.4mbelow the sector's middle half▼ 1,197%-€0.09mbelow the sector's middle half▲ 93.9%€1.1mabove the sector's middle half
EBIT margin31.2%-26.5%-15.2%▼ 11.3pp20.4%▲ 5.2pp-1.4%▼ 21.8pp-11.0%▼ 9.6pp3.2%▲ 14.3pp10.8%▲ 7.6pp
Equity€5.1m-€2.2m-€1.9mabove the sector's middle half▼ 15.3%€2.2mabove the sector's middle half▲ 18.3%€2.1mabove the sector's middle half▼ 5.0%€0.7mwithin the sector's middle half▼ 67.8%€0.6mwithin the sector's middle half▼ 12.9%€1.7mwithin the sector's middle half▲ 185%
Total assets€7.4m-€6.8m-€7.1mabove the sector's middle half▲ 4.2%€8.2mabove the sector's middle half▲ 14.5%€9.0mabove the sector's middle half▲ 10.7%€11.2mabove the sector's middle half▲ 23.9%€12.8mabove the sector's middle half▲ 14.0%€16.3mabove the sector's middle half▲ 27.2%
Debt€2.3m-€4.6m-€5.3m▲ 13.5%€6.0m▲ 13.1%€6.9m▲ 16.6%€10.5m▲ 50.9%€12.2m▲ 16.1%€14.6m▲ 20.0%
Working capital€4.9m-€5.5m-€5.2mabove the sector's middle half▼ 6.0%€5.3mabove the sector's middle half▲ 2.6%€4.4mabove the sector's middle half▼ 17.1%€2.8mabove the sector's middle half▼ 36.7%€5.7mabove the sector's middle half▲ 105%€8.3mabove the sector's middle half▲ 44.9%
Solvency69.2%-32.3%-26.2%within the sector's middle half▼ 6.0pp27.1%within the sector's middle half▲ 0.9pp23.3%within the sector's middle half▼ 3.8pp6.0%below the sector's middle half▼ 17.2pp4.6%below the sector's middle half▼ 1.4pp10.3%below the sector's middle half▲ 5.7pp
Current ratio3.17-5.85-3.98above the sector's middle half▼ 1.863.19within the sector's middle half▼ 0.802.45within the sector's middle half▼ 0.741.47within the sector's middle half▼ 0.982.54within the sector's middle half▲ 1.072.86above the sector's middle half▲ 0.32
Return on assets (ROA)48.1%-33.2%-19.1%above the sector's middle half▼ 14.1pp23.4%above the sector's middle half▲ 4.3pp-1.2%below the sector's middle half▼ 24.6pp-12.7%below the sector's middle half▼ 11.5pp-0.7%below the sector's middle half▲ 12.1pp6.7%within the sector's middle half▲ 7.4pp
Staff (FTE)44-44.1-44.1above the sector's middle half=45.1above the sector's middle half▲ 2.3%51.9above the sector's middle half▲ 15.1%58.2above the sector's middle half▲ 12.1%68.5above the sector's middle half▲ 17.7%70.5above the sector's middle half▲ 2.9%
above
within
below
the middle half of NACE 62, Computer programming, consultancy and related activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €16.3m
Fixed assets
€3.6m ▲ 5.6%
Current assets
€12.7m ▲ 35.0%
Equity and liabilities €16.3m
Equity
€1.7m ▲ 185%
Provisions
€0 ▼ 100%
Debt
€14.6m ▲ 20.0%
Debt's share of the balance-sheet total falls from 95.1% to 89.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3.4m▲
2024 · €1.5m
Cash flow
€2.7m▲
2024 · €1.1m
Quick ratio
1.78▲
2024 · 1.75
Debt to equity
8.67▼
2024 · 20.60
ROE
64.9%▲
2024 · -14.8%
Interest coverage
7.04▲
2024 · 3.43
Debt ≤ 1 year
€4.4m▲
2024 · €3.7m
Debt > 1 year
€8.1m▲
2024 · €7.6m
Income taxes
€15,752▼
2024 · €31,269
Staff costs
€6.6m▲
2024 · €6.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 378 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97.1% are still going.
- Medium-sized
- 20 years or older
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
2.6%
stopped otherwise
97.1%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,470 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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 74.5% 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 378 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
| Line | 2019 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Operating income70/76A | - | - | - | €11.8m | €8.9m | €12.6m | €15.1m | €21.0m | ▲ 39.1% |
| Turnover70 | €12.5m | €9.7m | €10.8m | €11.1m | €7.8m | €9.1m | €10.4m | €15.8m | ▲ 51.3% |
| Change in stocks of work in progress, finished goods and contracts in progress71 | - | - | - | €0.2m | -€0.5m | €0.7m | €0.09m | €1.2m | ▲ 1,191% |
| Own construction capitalised72 | - | - | - | €0.1m | €1.0m | €1.1m | €1.2m | €1.2m | ▲ 4.8% |
| Other operating income74 | - | - | - | €0.5m | €0.6m | €1.5m | €2.7m | €2.8m | ▲ 4.5% |
| Non-recurring operating income76A | - | - | - | - | €0.001m | €455 | €0.7m | €0.001m | ▼ 99.9% |
| Operating charges60/66A | - | - | - | €9.5m | €9.0m | €13.6m | €14.8m | €19.3m | ▲ 30.7% |
| Goods for resale, raw materials and consumables60 | - | - | - | €2.0m | €0.7m | €2.6m | €2.1m | €5.1m | ▲ 137% |
| Purchases600/8 | - | - | - | €2.5m | €1.5m | €1.9m | €2.5m | €5.9m | ▲ 134% |
| Change in stocks: decrease (increase)609 | - | - | - | -€0.5m | -€0.8m | €0.7m | -€0.4m | -€0.8m | ▼ 114% |
| Services and other goods61 | - | - | - | €3.7m | €3.5m | €4.7m | €4.8m | €5.9m | ▲ 23.3% |
| Remuneration, social security and pensions62 | - | - | - | €3.8m | €4.6m | €5.3m | €6.2m | €6.6m | ▲ 6.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.05m | €0.04m | €0.06m | €0.07m | €0.3m | €0.7m | €1.1m | €1.7m | ▲ 44.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | - | €0.3m | €0.2m | €0.08m | ▼ 57.0% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | - | €0.05m | €0 | - | - |
| Other operating charges640/8 | - | - | - | €0.02m | €0.02m | €0.02m | €0.02m | €0.02m | ▼ 13.6% |
| Non-recurring operating charges66A | - | - | - | €0.002m | €0.001m | - | €0.3m | €0.02m | ▼ 94.8% |
| Operating profit (loss)9901 | €3.9m | €2.6m | €1.6m | €2.3m | -€0.1m | -€1.0m | €0.3m | €1.7m | ▲ 405% |
| Financial income75/76B | - | - | - | €0.07m | €0.09m | €0.01m | €0.1m | €0.05m | ▼ 55.2% |
| Recurring financial income75 | €0.1m | €0.09m | - | €0.07m | €0.09m | €0.01m | €0.1m | €0.05m | ▼ 55.2% |
| Income from current assets751 | - | - | - | - | - | €0.006m | €0.01m | €0.02m | ▲ 139% |
| Other financial income752/9 | - | - | - | €0.07m | €0.09m | €0.006m | €0.1m | €0.03m | ▼ 73.5% |
| Financial charges65/66B | - | - | - | €0.1m | €0.1m | €0.4m | €0.5m | €0.7m | ▲ 28.6% |
| Recurring financial charges65 | €0.006m | €0.01m | €0.3m | €0.1m | €0.1m | €0.4m | €0.5m | €0.7m | ▲ 28.6% |
| Debt charges650 | - | €0.003m | €0.09m | €0.09m | €0.1m | €0.3m | €0.4m | €0.5m | ▲ 10.6% |
| Other financial charges652/9 | - | - | - | €0.02m | €0.02m | €0.1m | €0.08m | €0.2m | ▲ 130% |
| Profit (loss) for the period before taxes9903 | €4.0m | €2.7m | €1.4m | €2.2m | -€0.1m | -€1.4m | -€0.06m | €1.1m | - |
| Income taxes67/77 | €0.5m | €0.4m | €0.03m | €0.3m | -€0.02m | - | €0.03m | €0.02m | ▼ 49.6% |
| Taxes670/3 | - | - | - | €0.3m | €0.01m | €42 | €0.03m | €0.02m | ▼ 49.6% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | - | €0.04m | €42 | €0 | - | - |
| Profit (loss) for the period9904 | €3.6m | €2.3m | €1.4m | €1.9m | -€0.1m | -€1.4m | -€0.09m | €1.1m | - |
| Profit (loss) for the period to be appropriated9905 | €3.6m | €2.3m | €1.4m | €1.9m | -€0.1m | -€1.4m | -€0.09m | €1.1m | - |
| Line | 2019 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €7.4m | €6.8m | €7.1m | €8.2m | €9.0m | €11.2m | €12.8m | €16.3m | ▲ 27.2% |
| Fixed assets21/28 | €0.2m | €0.2m | €0.2m | €0.5m | €1.6m | €2.5m | €3.4m | €3.6m | ▲ 5.6% |
| Intangible fixed assets21 | - | - | - | €0.09m | €0.9m | €1.5m | €2.3m | €2.4m | ▲ 5.5% |
| Tangible fixed assets22/27 | €0.2m | €0.2m | €0.2m | €0.4m | €0.7m | €1.0m | €1.1m | €1.1m | ▲ 3.5% |
| Land and buildings22 | - | - | - | €0.09m | €0.2m | €0.2m | €0.3m | €0.3m | ▲ 5.9% |
| Plant, machinery and equipment23 | - | - | - | €0.2m | €0.4m | €0.7m | €0.7m | €0.7m | ▼ 0.8% |
| Furniture and vehicles24 | - | - | - | €0.05m | €0.03m | €0.09m | €0.1m | €0.1m | ▲ 27.8% |
| Financial fixed assets28 | €0.002m | €0.002m | €0.002m | €0.002m | €0.002m | - | - | €0.03m | - |
| Other financial fixed assets284/8 | - | - | - | €0.002m | €0.002m | - | - | €0.03m | - |
| Shares284 | - | - | - | - | - | - | - | €0.03m | - |
| Amounts receivable and cash guarantees285/8 | - | - | - | €0.002m | €0.002m | - | - | - | - |
| Current assets29/58 | €7.2m | €6.6m | €6.9m | €7.7m | €7.4m | €8.8m | €9.4m | €12.7m | ▲ 35.0% |
| Amounts receivable after more than one year29 | - | - | - | - | - | - | €0.2m | €0.7m | ▲ 184% |
| Other amounts receivable291 | - | - | - | - | - | - | €0.2m | €0.7m | ▲ 184% |
| Stocks and contracts in progress3 | €2.2m | €2.2m | €1.9m | €2.8m | €3.1m | €3.0m | €2.9m | €4.8m | ▲ 63.7% |
| Stocks30/36 | - | - | - | €2.4m | €3.1m | €3.0m | €2.9m | €4.8m | ▲ 63.7% |
| Raw materials and consumables30/31 | - | - | - | €2.4m | €3.1m | - | - | €2.1m | - |
| Work in progress32 | - | - | - | - | - | - | - | €2.0m | - |
| Finished goods33 | - | - | - | - | - | €0.7m | €0.8m | €0.8m | ▼ 9.3% |
| Goods purchased for resale34 | - | - | - | - | - | €2.2m | €2.1m | €0 | ▼ 100% |
| Contracts in progress37 | - | - | - | €0.5m | - | - | - | - | - |
| Amounts receivable within one year40/41 | €2.5m | €2.7m | €3.1m | €3.4m | €2.7m | €4.7m | €5.4m | €5.3m | ▼ 0.7% |
| Trade receivables40 | - | - | - | €3.0m | €2.2m | €4.2m | €5.2m | €5.2m | ▼ 1.3% |
| Other amounts receivable41 | - | - | - | €0.4m | €0.4m | €0.6m | €0.1m | €0.2m | ▲ 25.8% |
| Cash at bank and in hand54/58 | €1.2m | €1.3m | €1.4m | €1.4m | €1.5m | €0.9m | €0.6m | €1.7m | ▲ 179% |
| Deferred charges and accrued income490/1 | - | - | - | €0.06m | €0.1m | €0.2m | €0.3m | €0.3m | ▼ 11.9% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €7.4m | €6.8m | €7.1m | €8.2m | €9.0m | €11.2m | €12.8m | €16.3m | ▲ 27.2% |
| Equity10/15 | €5.1m | €2.2m | €1.9m | €2.2m | €2.1m | €0.7m | €0.6m | €1.7m | ▲ 185% |
| Contributions10/11 | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Capital10 | - | - | - | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Issued capital100 | - | - | - | €0.3m | €0.3m | €0.3m | €0.3m | €0.3m | = |
| Reserves13 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Non-distributable reserves130/1 | - | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Legal reserve130 | - | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Tax-exempt reserves132 | - | - | - | €0.03m | €0.03m | €0.03m | €0.03m | €0.03m | = |
| Distributable reserves133 | - | - | - | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Profit (loss) carried forward14 | €4.7m | €1.8m | €1.5m | €1.8m | €1.7m | €0.3m | €0.2m | €1.3m | ▲ 583% |
| Provisions and deferred taxes16 | - | - | - | - | - | €0.05m | €0.03m | €0 | ▼ 100% |
| Provisions for liabilities and charges160/5 | - | - | - | - | - | €0.05m | €0.03m | €0 | ▼ 100% |
| Other liabilities and charges164/5 | - | - | - | - | - | €0.05m | €0.03m | €0 | ▼ 100% |
| Amounts payable17/49 | €2.3m | €4.6m | €5.3m | €6.0m | €6.9m | €10.5m | €12.2m | €14.6m | ▲ 20.0% |
| Amounts payable after more than one year17 | - | €3.5m | €3.5m | €3.5m | €3.5m | €3.5m | €7.6m | €8.1m | ▲ 6.3% |
| Financial debts170/4 | - | - | - | €3.5m | €3.5m | €3.5m | €3.5m | €4.7m | ▲ 33.9% |
| Credit institutions173 | - | - | - | €3.5m | €3.5m | €3.5m | €3.5m | €4.7m | ▲ 33.9% |
| Other amounts payable178/9 | - | - | - | - | - | - | €4.1m | €3.4m | ▼ 17.3% |
| Amounts payable within one year42/48 | €2.3m | €1.1m | €1.7m | €2.4m | €3.0m | €6.0m | €3.7m | €4.4m | ▲ 19.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | - | - | - | - | €0.2m | - |
| Trade debts44 | €0.2m | €0.3m | €0.6m | €0.3m | €1.2m | €2.2m | €2.5m | €3.0m | ▲ 20.8% |
| Suppliers440/4 | - | - | - | €0.3m | €1.2m | €2.2m | €2.5m | €3.0m | ▲ 20.8% |
| Advances received on contracts in progress46 | - | - | - | €0.02m | €0.03m | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €0.7m | €0.7m | €1.0m | €1.2m | €1.2m | ▼ 1.6% |
| Taxes450/3 | - | - | - | €0.1m | €0.1m | €0.05m | €0.2m | €0.08m | ▼ 54.8% |
| Remuneration and social security454/9 | - | - | - | €0.6m | €0.6m | €1.0m | €1.0m | €1.1m | ▲ 7.0% |
| Other amounts payable47/48 | - | - | - | €1.4m | €1.1m | €2.8m | €0.02m | €0.02m | = |
| Accrued charges and deferred income492/3 | - | - | - | €0.03m | €0.4m | €1.0m | €0.8m | €2.1m | ▲ 143% |
| Line | 2019 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.6m | €2.3m | €1.4m | €1.9m | -€0.1m | -€1.4m | -€0.09m | €1.1m | - |
| + Depreciation and write-downs630 | €0.05m | €0.04m | €0.06m | €0.07m | €0.3m | €0.7m | €1.1m | €1.7m | ▲ 44.7% |
| Operating cash flow (approximation) | €3.6m | €2.3m | €1.4m | €2.0m | €0.2m | -€0.7m | €1.1m | €2.7m | ▲ 160% |
| Investment in fixed assets (approximation) | - | - | -€0.08m | -€0.3m | -€1.4m | -€1.5m | -€2.1m | -€1.8m | ▲ 10.3% |
| Change in cash | - | - | €0.1m | €0.04m | €0.07m | -€0.6m | -€0.3m | €1.1m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 42 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 04-06-2026 | 2026-00139136 |
| 31-12-2024 | full format | 16-06-2025 | 2025-00144571 |
| 31-12-2023 | full format | 13-09-2024 | 2024-00468297 |
| 31-12-2022 | full format | 24-06-2023 | 2023-00154229 |
| 31-12-2021 | full format | 26-07-2022 | 2022-20240228 |
| 31-12-2020 | full format | 30-07-2021 | 2021-43500200 |
| 31-12-2019 | full format | 20-07-2020 | 2020-32300443 |
| 31-03-2019 | full format | 26-09-2019 | 2019-66000162 |
| 31-03-2018 | full format | 13-09-2018 | 2018-63000328 |
| 31-03-2017 | abbreviated format | 29-09-2017 | 2017-64800521 |
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Of the 16,902 active companies whose main activity is computer programming (NACE 62100), figures are known for 8,926. 3,017 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 12 entries · €846,475 awarded · €846,805 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 4 | -€28,769 | €143,624 |
| 2024 | 3 | €2,334 | €152,334 |
| 2023 | 3 | €850,393 | €544,657 |
| 2022 | 2 | €22,517 | €6,190 |
Federal government
2025 · 1 entry · €370,000 in total| Year | Department | Transactions | Amount |
|---|---|---|---|
| 2025 | Defensie | 1 | €370,000 |
Budget allocations
European Union, budget
2025 · 1 entry · €692,656 in totalProjects
EUROPEAN HIGH-PERFORMANCE PROCESSOR FOR RF DEFENSE APPLICATIONS
Public contracts
1 award · 2022
RASS-S измервания и анализи на ЛРЛК
Source: TED (Tenders Electronic Daily), Publications Office of the European Union. Values as the buyer published them; for a framework agreement, a ceiling.