Intersticker
ActiveSummary
Intersticker has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59,026 and a net result of €345. Its solvency ranks better than 28% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 10-04-2024 Normal situation
- Registered office
- 12 active companies are registered at this address Source: KBO register, as of 3 November 2026.
- Activity
- Wholesale of other household goods NACE 46499and 4 others
- Joint committees
- 222 Paritair Comité voor de bedienden van de papier- en kartonbewerking
- 136 Paritair Comité voor de papier- en kartonbewerking · annual accounts 2025
- Establishment unit
- 2.358.198.771 2840 Rumst, since 10-04-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 21-10-2026
Board and ownership
Board
- BLOCKMANS LukDirector · since 10-04-2024
- VERSCHRAEGEN Judith Ennie WalterDirector · since 10-04-2024
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.7%
Annual accounts 2025
- Gross margin
- €371,806
- ▲ 15.9%
- Turnover
- ≈ €1.6m
- estimated
- Profit
- €345
- ▼ 99.4%
- Equity
- €59,026
- ▲ 0.6%
- Total assets
- €480,428
- ▲ 15.9%
- Employees on 31-12-2025
- 7
- ▼ 12.5%
Score breakdownraises riskFounded in 2024Equity €59,026 (12.3% of total assets)lowers riskSize: total assets €480,428Liquidity: current ratio 1.14, cash €111,333Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 29% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Weak
Solvency
37-2
equity 12.3% of total assets
Liquidity
30+25
short-term debt 87.7% · cash 23.2%
Profitability
19-67
return on assets 0.1%
Bankruptcy probability within 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
05-2025: 1.6%
06-2025: 1.7%▲ +0.1 percentage points vs 05-2025
07-2025: 1.7%● unchanged vs 06-2025
08-2025: 2.1%▲ +0.4 percentage points vs 07-2025highest value
09-2025: 1.0%▼ -1.1 percentage points vs 08-2025
10-2025: 1.0%● unchanged vs 09-2025
11-2025: 1.1%▲ +0.1 percentage points vs 10-2025
12-2025: 1.1%● unchanged vs 11-2025
01-2026: 1.1%● unchanged vs 12-2025
02-2026: 1.1%● unchanged vs 01-2026
03-2026: 1.1%● unchanged vs 02-2026
04-2026: 1.2%▲ +0.1 percentage points vs 03-2026
05-2026: 1.3%▲ +0.1 percentage points vs 04-2026
06-2026: 0.7%▼ -0.6 percentage points vs 05-2026
07-2026: 0.7%● unchanged vs 06-2026
08-2026: 0.7%● unchanged vs 07-2026
09-2026: 0.7%● unchanged vs 08-2026
10-2026: 0.7%● unchanged vs 09-2026lowest value
11-2026: 0.7%● unchanged vs 10-2026lowest value
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.14 (1.16 in 2024), below the usual 1.5. Short-term debt is 87.7% and cash 23.2% of total assets. 87.7% of the assets are financed with debt and provisions.
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 46, micro). It does better than 25% of them on solvency, 28% on liquidity, 22% on profitability and 43% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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
Five signals.
lowers riskraises 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 29-04-2026, 93 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
93 days early
2024
28 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 33 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 29-04-2026 PDF all 2 filings
Turnover
≈ €1.6m
Estimated: probably between €1.2m and €2.6m
Total assets
€480,428▲ 15.9%
2024 · €414,341
Net result
€345▼ 99.4%
2024 · €57,682
Working capital
€57,724=
2024 · €57,720
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
-€6,106
2025
20242025
Net result
€345
▼ 99.4%
2025
middle half of the sector
20242025
Equity
€59,026
▲ 0.6%
2025
middle half of the sector
20242025
Total assets
€480,428
▲ 15.9%
2025
highest quarter of the sector
20242025
Debt
€421,401
▲ 18.5%
2025
20242025
Working capital
€57,724
=
2025
middle half of the sector
20242025
Solvency
12.3%
▼ 1.9pp
2025
middle half of the sector
20242025
Current ratio
1.14
▼ 0.03
2025
middle half of the sector
20242025
Return on assets (ROA)
0.1%
▼ 13.8pp
2025
middle half of the sector
20242025
Staff (FTE)
7.6
▲ 13.4%
2025
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result€82,201--€6,106
Net result€57,682above the sector's middle half-€345within the sector's middle half▼ 99.4%
Equity€58,682within the sector's middle half-€59,026within the sector's middle half▲ 0.6%
Total assets€414,341above the sector's middle half-€480,428above the sector's middle half▲ 15.9%
Debt€355,660-€421,401▲ 18.5%
Working capital€57,720within the sector's middle half-€57,724within the sector's middle half=
Solvency14.2%within the sector's middle half-12.3%within the sector's middle half▼ 1.9pp
Current ratio1.16within the sector's middle half-1.14within the sector's middle half▼ 0.03
Return on assets (ROA)13.9%above the sector's middle half-0.1%within the sector's middle half▼ 13.8pp
Staff (FTE)6.7-7.6▲ 13.4%
above
within
below
The sector band is the middle half of the companies in Wholesale trade (NACE 46). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €6,106, after a profit of €82,201 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €480,428
Fixed assets
€1,496 ▲ 128%
Current assets
€478,931 ▲ 15.9%
Equity and liabilities €480,428
Equity
€59,026 ▲ 0.6%
Debt
€421,401 ▲ 18.5%
Debt's share of the balance-sheet total rises from 85.8% to 87.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
-€5,171▼
2024 · €83,121
Cash flow
€1,280▼
2024 · €58,601
Quick ratio
0.75▼
2024 · 0.76
Debt to equity
7.14▲
2024 · 6.06
ROE
0.6%▼
2024 · 98.3%
Interest coverage
-3.93▼
2024 · over 100
Debt ≤ 1 year
€421,208▲
2024 · €355,660
Income taxes
€3,524▼
2024 · €24,804
Staff costs
€375,812▲
2024 · €236,850
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2024 | 31-12-2025 |
|---|---|---|
| Employees at the balance-sheet date | 8 | 7 |
| full-time | 4 | 4 |
| part-time | 4 | 3 |
| in full-time equivalents | 6.6 | 6.4 |
| Average over the year, in full-time equivalents | 6.7 | 7.6 |
| On a permanent contract | 7 | 7 |
| Joined | 26 | 29 |
| Left | 18 | 30 |
Source: social balance sheet in the 2024 to 2025 annual accounts
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Tangible fixed assets | €756 | €1,470 |
| Depreciation and write-downs of the year | €920 | €935 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €236,850 | €375,812 | ▲ 58.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €920 | €935 | ▲ 1.6% |
| Other operating charges640/8 | €882 | €1,165 | ▲ 32.0% |
| Gross operating margin9900 | €320,853 | €371,806 | ▲ 15.9% |
| Operating profit (loss)9901 | €82,201 | -€6,106 | - |
| Financial income75/76B | €326 | €11,290 | ▲ 35× |
| Recurring financial income75 | €326 | €11,290 | ▲ 35× |
| Financial charges65/66B | €42 | €1,314 | ▲ 32× |
| Recurring financial charges65 | €42 | €1,314 | ▲ 32× |
| Profit (loss) for the period before taxes9903 | €82,485 | €3,869 | ▼ 95.3% |
| Income taxes67/77 | €24,804 | €3,524 | ▼ 85.8% |
| Profit (loss) for the period9904 | €57,682 | €345 | ▼ 99.4% |
| Profit (loss) for the period to be appropriated9905 | €57,682 | €345 | ▼ 99.4% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €414,341 | €480,428 | ▲ 15.9% |
| Formation expenses20 | €306 | - | - |
| Fixed assets21/28 | €655 | €1,496 | ▲ 128% |
| Tangible fixed assets22/27 | €655 | €1,496 | ▲ 128% |
| Plant, machinery and equipment23 | €655 | €504 | ▼ 23.1% |
| Furniture and vehicles24 | - | €992 | - |
| Current assets29/58 | €413,380 | €478,931 | ▲ 15.9% |
| Stocks and contracts in progress3 | €143,365 | €161,187 | ▲ 12.4% |
| Stocks30/36 | €143,365 | €161,187 | ▲ 12.4% |
| Amounts receivable within one year40/41 | €262,157 | €206,412 | ▼ 21.3% |
| Trade receivables40 | €228,927 | €173,763 | ▼ 24.1% |
| Other amounts receivable41 | €33,230 | €32,649 | ▼ 1.7% |
| Cash at bank and in hand54/58 | €7,357 | €111,333 | ▲ 15× |
| Deferred charges and accrued income490/1 | €501 | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €414,341 | €480,428 | ▲ 15.9% |
| Equity10/15 | €58,682 | €59,026 | ▲ 0.6% |
| Contributions10/11 | €1,000 | €1,000 | = |
| Reserves13 | €57,682 | €58,026 | ▲ 0.6% |
| Distributable reserves133 | €57,682 | €58,026 | ▲ 0.6% |
| Amounts payable17/49 | €355,660 | €421,401 | ▲ 18.5% |
| Amounts payable within one year42/48 | €355,660 | €421,208 | ▲ 18.4% |
| Current portion of amounts payable after more than one year42 | - | €150,000 | - |
| Trade debts44 | €318,861 | €166,936 | ▼ 47.6% |
| Suppliers440/4 | €318,861 | €166,936 | ▼ 47.6% |
| Taxes, remuneration and social security45 | €36,799 | €43,098 | ▲ 17.1% |
| Taxes450/3 | €19,540 | €13,722 | ▼ 29.8% |
| Remuneration and social security454/9 | €17,259 | €29,376 | ▲ 70.2% |
| Other amounts payable47/48 | - | €61,174 | - |
| Accrued charges and deferred income492/3 | - | €194 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €57,682 | €345 | ▼ 99.4% |
| + Depreciation and write-downs630 | €920 | €935 | ▲ 1.6% |
| Operating cash flow (approximation) | €58,601 | €1,280 | ▼ 97.8% |
| Investment in fixed assets (approximation) | - | -€1,776 | - |
| Change in cash | - | €103,976 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,542 companies had the same profile as Intersticker has now. Two years later, 94.9% were still going and 3.5% had gone bankrupt.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
94.9%
was still going
1.2%
stopped otherwise
3.5%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Intersticker itself is lower: 0.7% within 12 months. It rests on far more data about Intersticker than the profile alone.
Test of the method
The method was tested on the 497,446 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 2,542 companies, not a prediction for Intersticker. 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.
Board & ownership
Directors
Directors
2 directors, no change since 2024
BLOCKMANS Luk
Current
Director · since 10-04-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 29-04-2026
VERSCHRAEGEN Judith Ennie Walter
Current
Director · since 10-04-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 29-04-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“7. Bepalingen inzake de externe vertegenwoordiging: De vennootschap is verbonden door de handelingen van het bestuursorgaan en van de…”
deed of 12-04-2024Owners and capital
Shareholders
Contribution
act of 07-07-2025 ↗
- VAYU (BE 0461.600.531)
Stated in the act
act of 07-07-2025 ↗
- BLOCKMANS Luk 127 shares
- VERSCHRAEGEN Judith 127 shares
At incorporation
act of 12-04-2024 ↗
- BLOCKMANS Luk founder
- VERSCHRAEGEN Judith Ennie Walter founder
Capital transactions
Capital over time
- 12-04-2024 Incorporation · €1,000
Mandate history
2 people, 2 in office
- Board
| Name | Functions and periods |
|---|---|
| BLOCKMANS Luk |
|
| VERSCHRAEGEN Judith Ennie Walter |
|
Network & group
Acquisitions and mergers
1 transactionReceived in a demerger part of:VAYU
Companies at the same address
11 other companies- Nordikfood Registered office · since 2023 0800982745
- CAPE LEWIS PORTE Registered office · since 2019 0812207625
- Vereniging van Mede-eigenaars van het gebouw K.M.O.-units 1 t/m 26 Steenweg op Waarloos 63A te Rumst-Reet Registered office · since 2009 0811503879
- SMBE Registered office · since 2007 0893825009
- MASTERVENDING Registered office · since 2007 0891363484
- ETIB Registered office · since 2007 0890483457
- ETIB-KLIMA Registered office · since 2006 0882992087
- TMS Facility Technics Registered office · since 2004 0865307801
- BART SCHOENMAKERS PROJECT Registered office · since 1999 0466704018
- VAYU Establishment · since 1997 0461600531
Connections & network
2 current directorsThe network starts from the directors of Intersticker. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
29-04
micro format · 93 days before the deadline
2025
28-08
micro format · 28 days late
07-07
Gazette deed
Demerger: VAYU splits off to INTERSTICKERAuditor report · Share issue · Shareholding21 points ▸
Gazette deed
Demerger: VAYU splits off to INTERSTICKER
Auditor report · Share issue · Shareholding21 points ▸
- General meeting, 21-05-2025
- Other provision, “ontheffing voorlezing verslagen, EERSTE BESLISSING” (deed in Dutch)
- Other provision, “verslag bestuursorgaan inbreng in natura, artikel 5:121 §1 eerste lid WVV” (deed in Dutch)
- Auditor report, “Haacht, geen wezenlijke invloed” (deed in Dutch)
- Other provision, “eenparigheid, toevertrouwing splitsingsvoorstel en neerlegging verslagen” (deed in Dutch)
- Other provision, “uitdrukkelijke stemming algemene vergadering, eenparigheid” (deed in Dutch)
- Demerger, “partiële splitsing door overneming, splitsingsvoorstel” (deed in Dutch)
- Other provision, “eenparigheid, vaststelling beschrijving bedrijfstak door notaris” (deed in Dutch)
- Other provision, “geen onroerende goederen noch onroerende zakelijke rechten, overdracht onroerende goederen” (deed in Dutch)
- Share issue, “nieuwe aandelen”, 254 (deed in Dutch)
- Other provision, “ruil bestaande aandelen gesplitste vennootschap, partiële splitsing waarbij VAYU blijft bestaan” (deed in Dutch)
- Share issue, 0, “zelfde aard als bestaande aandelen” (deed in Dutch)
- The act holds 9 more points.
09-04
Gazette deed
Demerger proposal: VAYU splits off to InterstickerPermanent representatives: Johan Jacobs, Kris Bollen and 4 others · Shareholding · Accounting effect24 points ▸
Gazette deed
Demerger proposal: VAYU splits off to Intersticker
Permanent representatives: Johan Jacobs, Kris Bollen and 4 others · Shareholding · Accounting effect24 points ▸
- Demerger, “partiële splitsing door overneming, artikel 12:59 e.v. Wetboek van vennootschappen en verenigingen” (deed in Dutch)
- Board composition, Luk Blockmans (director), mentioned 2 times in the deed
- Board composition, Judith Verschraegen (director), mentioned 2 times in the deed
- Other provision, “voorafgaande uiteenzetting en motieven van de verrichting, onroerend goed waarin de zaak gevestigd is” (deed in Dutch)
- Other provision, “in vergoeding voor vermogensovergang in zijn geheel, ruilverhouding van de aandelen en opleg in geld” (deed in Dutch)
- Luk Blockmans holds 127 shares
- Judith Verschraegen holds 127 shares
- Other provision, “opleg in geld” (deed in Dutch)
- Other provision, “inschrijving in aandeelhoudersregister, aandeelhouders of gevolmachtigde” (deed in Dutch)
- Other provision, “handelingen partieel te splitsen vennootschap betreffende afgesplitst vermogen voor rekening overnemende vennootschap, winstdeelname uitgereikte aandelen” (deed in Dutch)
- Accounting effect, 01-01-2025
- Other provision, “bijzondere rechten en andere effecten dan aandelen” (deed in Dutch)
- The act holds 12 more points.
2024
12-04
Gazette deed
IncorporationStarting capital €1,000 · Appointments: BLOCKMANS Luk (director) and VERSCHRAEGEN Judith Ennie Walter (director) · Founder · Power of attorney7 points ▸
Gazette deed
Incorporation
Starting capital €1,000 · Appointments: BLOCKMANS Luk (director) and VERSCHRAEGEN Judith Ennie Walter (director) · Founder · Power of attorney7 points ▸
- Incorporation, 09-04-2024
- Founder, BLOCKMANS Luk
- Founder, VERSCHRAEGEN Judith Ennie Walter
- Director appointment, BLOCKMANS Luk (director)
- Director appointment, VERSCHRAEGEN Judith Ennie Walter (director)
- Power of attorney, PATTIJN Tari
- Founding capital, €1,000
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
Intersticker in Dutch
Enterprise number
1008.229.876
Legal form
Private limited company
Status
Active, normale toestand
Founded
10-04-2024
Entity type
Legal entity
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, 2840 Rumst, Steenweg op Waarloos 63A 11”
deed of 12-04-2024 (in Dutch)Registered office and establishments
Registered office
Steenweg op Waarloos 63A, 2840 Rumst, Belgium
Establishment unit
Intersticker, Steenweg op Waarloos 63A, 2840 Rumst since 10-04-2024 · unit number 2.358.198.771
Activities
NACEBEL 2025VAT activities
46499
Wholesale of other household goods main activity
32990
Other manufacturing not elsewhere classified
41001
General construction of residential buildings
41003
General construction of other non-residential buildings
73110
Advertising agencies
Social security (RSZ) activities
73110
Advertising agencies main activity
Codes under NACEBEL 2008
VAT activities
46499
Wholesale of other household goods main activity
32990
Other manufacturing not elsewhere classified
41201
General construction of buildings
41203
Construction of residential and non-residential buildings
73110
Advertising, market research and public relations activities
Social security (RSZ) activities
73110
Advertising, market research and public relations activities main activity
Joint committees
222 Paritair Comité voor de bedienden van de papier- en kartonbewerking
136 Paritair Comité voor de papier- en kartonbewerking annual accounts 2025
Invoicing and payment
VAT number
BE 1008.229.876
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1008.229.876
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Thursday of June at 20:00
deed of 12-04-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
2.2 ha
Building footprint
5,215 m²
Building volume
35,480 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11036C0203/00C000 | Flanders | 2.2 ha | 1 · 5,215 m² | 7.6 m · 2 |