INTERSTICE
ActiveSummary
INTERSTICE has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,916 and a net result of €8,332. Equity is growing by ~104.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 2071 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▼-5
Solvency71▲+18
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.35 against 0.24 in 2024; short-term debt: 53.9% and cash: 13% of total assets), and 53.9% of the assets are financed with debt.
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Signals
Four 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 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← 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
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 15-01-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
8 d early
2023
29 d early
2022
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€25,916▲ 47.4%
2024 · €17,584
Total assets
€56,185▼ 11.9%
2024 · €63,807
Net result
€8,332▼ 28.4%
2024 · €11,636
Working capital
-€19,639▲ 43.8%
2024 · -€34,971
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result-€860-€2,965€15,055▲ 408%€10,086▼ 33.0%
Net result-€770within the sector's middle half-€2,718within the sector's middle half€11,636within the sector's middle half▲ 328%€8,332within the sector's middle half▼ 28.4%
Equity€3,230below the sector's middle half-€5,948within the sector's middle half▲ 84.1%€17,584within the sector's middle half▲ 196%€25,916within the sector's middle half▲ 47.4%
Total assets€72,137within the sector's middle half-€66,617within the sector's middle half▼ 7.7%€63,807within the sector's middle half▼ 4.2%€56,185within the sector's middle half▼ 11.9%
Debt€68,907-€60,669▼ 12.0%€46,223▼ 23.8%€30,268▼ 34.5%
Working capital-€63,325below the sector's middle half--€53,607below the sector's middle half▲ 15.3%-€34,971below the sector's middle half▲ 34.8%-€19,639below the sector's middle half▲ 43.8%
Solvency4.5%below the sector's middle half-8.9%below the sector's middle half▲ 4.5pp27.6%within the sector's middle half▲ 18.6pp46.1%within the sector's middle half▲ 18.6pp
Current ratio0.08below the sector's middle half-0.12below the sector's middle half▲ 0.040.24below the sector's middle half▲ 0.130.35below the sector's middle half▲ 0.11
Return on assets (ROA)-1.1%within the sector's middle half-4.1%within the sector's middle half▲ 5.1pp18.2%within the sector's middle half▲ 14.2pp14.8%within the sector's middle half▼ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56,185
Fixed assets
€45,555 ▼ 13.3%
Current assets
€10,630 ▼ 5.5%
Equity and liabilities €56,185
Equity
€25,916 ▲ 47.4%
Debt
€30,268 ▼ 34.5%
Debt's share of the balance-sheet total falls from 72.4% to 53.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17,086▼
2024 · €22,654
Cash flow
€15,332▼
2024 · €19,235
Debt to equity
1.17▼
2024 · 2.63
ROE
32.2%▼
2024 · 66.2%
Interest coverage
65.31▼
2024 · 73.11
Debt ≤ 1 year
€30,268▼
2024 · €46,223
Income taxes
€3,236▼
2024 · €4,757
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,970 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 26,970 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,500 | €7,000 | €7,599 | €7,000 | ▼ 7.9% |
| Other operating charges640/8 | - | €234 | €174 | €180 | ▲ 3.8% |
| Gross operating margin9900 | €2,640 | €10,200 | €22,828 | €17,267 | ▼ 24.4% |
| Operating profit (loss)9901 | -€860 | €2,965 | €15,055 | €10,086 | ▼ 33.0% |
| Financial income75/76B | €135 | €925 | €1,648 | €1,744 | ▲ 5.8% |
| Recurring financial income75 | €135 | €925 | €1,648 | €1,744 | ▲ 5.8% |
| Financial charges65/66B | €45 | €269 | €310 | €262 | ▼ 15.6% |
| Recurring financial charges65 | €45 | €269 | €310 | €262 | ▼ 15.6% |
| Profit (loss) for the period before taxes9903 | -€770 | €3,621 | €16,393 | €11,569 | ▼ 29.4% |
| Income taxes67/77 | - | €903 | €4,757 | €3,236 | ▼ 32.0% |
| Profit (loss) for the period9904 | -€770 | €2,718 | €11,636 | €8,332 | ▼ 28.4% |
| Profit (loss) for the period to be appropriated9905 | -€770 | €2,718 | €11,636 | €8,332 | ▼ 28.4% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €72,137 | €66,617 | €63,807 | €56,185 | ▼ 11.9% |
| Fixed assets21/28 | €66,555 | €59,555 | €52,555 | €45,555 | ▼ 13.3% |
| Intangible fixed assets21 | €66,500 | €59,500 | €52,500 | €45,500 | ▼ 13.3% |
| Financial fixed assets28 | €55 | €55 | €55 | €55 | = |
| Current assets29/58 | €5,582 | €7,062 | €11,252 | €10,630 | ▼ 5.5% |
| Amounts receivable within one year40/41 | €1,750 | €3,205 | €243 | €1,764 | ▲ 627% |
| Trade receivables40 | €750 | - | - | - | - |
| Other amounts receivable41 | €1,000 | €3,205 | €243 | €1,764 | ▲ 627% |
| Cash at bank and in hand54/58 | €3,558 | €3,467 | €8,564 | €7,288 | ▼ 14.9% |
| Deferred charges and accrued income490/1 | €274 | €390 | €2,445 | €1,578 | ▼ 35.4% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €72,137 | €66,617 | €63,807 | €56,185 | ▼ 11.9% |
| Equity10/15 | €3,230 | €5,948 | €17,584 | €25,916 | ▲ 47.4% |
| Contributions10/11 | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves13 | - | €1,500 | €13,000 | €21,000 | ▲ 61.5% |
| Non-distributable reserves130/1 | - | €1,500 | €13,000 | - | - |
| Reserves not available under the articles1311 | - | €1,500 | €13,000 | - | - |
| Distributable reserves133 | - | - | - | €21,000 | - |
| Profit (loss) carried forward14 | -€770 | €448 | €584 | €916 | ▲ 56.9% |
| Amounts payable17/49 | €68,907 | €60,669 | €46,223 | €30,268 | ▼ 34.5% |
| Amounts payable within one year42/48 | €68,907 | €60,669 | €46,223 | €30,268 | ▼ 34.5% |
| Trade debts44 | €3,279 | €2,747 | €2,579 | €1,258 | ▼ 51.2% |
| Suppliers440/4 | €3,279 | €2,747 | €2,579 | €1,258 | ▼ 51.2% |
| Taxes, remuneration and social security45 | €1,750 | €903 | - | - | - |
| Taxes450/3 | - | €903 | - | - | - |
| Remuneration and social security454/9 | €1,750 | - | - | - | - |
| Other amounts payable47/48 | €63,878 | €57,018 | €43,643 | €29,010 | ▼ 33.5% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€770 | €2,718 | €11,636 | €8,332 | ▼ 28.4% |
| + Depreciation and write-downs630 | €3,500 | €7,000 | €7,599 | €7,000 | ▼ 7.9% |
| Operating cash flow (approximation) | €2,730 | €9,718 | €19,235 | €15,332 | ▼ 20.3% |
| Investment in fixed assets (approximation) | - | €0 | -€599 | €0 | ▲ 100% |
| Change in cash | - | -€91 | €5,097 | -€1,276 | ▼ 125% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
15-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2022net €11,636 ▲328%
Operating result €15,055, net result €11,636, both a record.
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €2,718
Net result €2,718 after one loss-making year.
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Fleurus · 1 establishment unit since 2021
Ground area
152 m²
Building footprint
36 m²
Volume, LiDAR
325 m³
Parcel 52021D0163/00D002, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Berceau(FL) 37, 6220 Fleurus
since 20212.317.893.390
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021D0163/00D002 | Wallonia | 152 m² | 1 · 36 m² | 10.2 m · 3 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.
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Of 3,020 companies in sector 85592 we hold annual accounts for 990. 617 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-05-2021
Fiscal year end30-06
Activities, NACEBEL 2025
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0767854473
Registered
09-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.