INTERSTOFF
ActiveFrom the official registers: KBO 24 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
INTERSTOFF has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36,839 and a net result of -€3,585. Equity has been stable since 2018 (±1% per year). Its solvency ranks better than 47% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Overview
Overview
Official details
KBO- Status
- Active since 28-02-2002 Normal situation
- Activity
- Retail sale of household textiles and bedding NACE 47512and 2 others
- Establishment unit
- 2.094.640.566 1080 Sint-Jans-Molenbeek, since 09-04-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 28-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.5%
- Gross margin
- €40,434
- ▼ 31.8%
- Turnover
- ≈ €230,000
- estimated
- Loss
- €3,585
- Equity
- €36,839
- ▼ 8.9%
- Total assets
- €124,592
- ▼ 7.3%
- Staff
- ≈ 1.1 FTE
- estimated
Score breakdownraises riskLast filed accounts filed 29 days late; 1 of the last 3 accounts lateSector: Retail trade (NACE 47)Loss of €3,585 (financial year 2025)lowers riskFounded in 2002Show the evidence
Checked score
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 47, micro). It does better than 45% of them on solvency, 23% on liquidity, 20% on profitability and 27% on growth.
The bankruptcy probability was computed on 31-10-2026 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 43 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
2025 annual accounts filed 29 days after the deadline Filed on 29 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00455507.
Annual accounts 2025 filed on 29-08-2026 at the NBB all 24 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a loss of €3,351, after a profit of €16,259 in 2024.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Retail trade (NACE 47). 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 dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Comparable companies
These companies have the same main activity as INTERSTOFF: retail sale of household textiles and bedding (NACE 47512). They are comparable in size and age: total assets between €106,000 and €174,000, founded between 1997 and 2002.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| INTERSTOFF Sint-Jans-Molenbeek | 2002 | €124,592 | €36,839 | €40,434 | -€3,585 | 2025 |
| ISABELLE BAINES Brussel | 2000 | €106,471 | €27,450 | €33,225 | €8,512 | 2025 |
| JOVITEX Evergem | 1998 | €122,736 | €72,640 | €47,304 | -€28,162 | 2026 |
| SENSO Ieper | 2002 | €138,831 | €107,334 | €23,868 | €7,991 | 2025 |
| DANIELS KLEDING Zonhoven | 1997 | €125,482 | €89,461 | €36,187 | -€25,865 | 2025 |
| Bekkaï Antwerpen | 1998 | €173,692 | €7,265 | €46,252 | €12,005 | 2025 |
| JELAU Brussel | 2002 | €157,881 | €64,168 | €80,378 | -€31,450 | 2025 |
They were chosen from the 634 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 2,450 companies had the same profile as INTERSTOFF has now. Two years later, 1.5% had gone bankrupt and 93.3% were still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of INTERSTOFF itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,445 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 2,450 companies, not a prediction for INTERSTOFF. 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.
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Turnover70 | €189,536 | €187,308 | €146,463 | €178,491 | €239,267 | €229,035 | €209,868 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €136,139 | €184,058 | €180,264 | €150,616 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €48,922 | €36,429 | €41,420 | €42,351 | €42,621 | ▲ 0.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €213 | €213 | €4,831 | €4,854 | €4,854 | €5,182 | €328 | €328 | = |
| Other operating charges640/8 | - | - | - | €249 | €460 | €310 | €314 | €715 | ▲ 127% |
| Non-recurring operating charges66A | - | - | - | €103 | €322 | €45 | - | €122 | - |
| Gross operating margin9900 | €36,456 | €32,591 | €24,892 | €42,353 | €55,209 | €48,771 | €59,252 | €40,434 | ▼ 31.8% |
| Operating profit (loss)9901 | €4,141 | €1,464 | €150 | -€11,775 | €13,144 | €1,814 | €16,259 | -€3,351 | - |
| Financial income75/76B | - | - | - | - | - | - | €289 | - | - |
| Recurring financial income75 | €53 | - | - | - | - | - | €289 | - | - |
| Financial charges65/66B | - | - | - | €457 | €977 | €1,234 | €266 | €234 | ▼ 12.0% |
| Recurring financial charges65 | €1,185 | €1,025 | €1,270 | €457 | €977 | €1,234 | €266 | €234 | ▼ 12.0% |
| Profit (loss) for the period before taxes9903 | €3,008 | €439 | -€1,121 | -€12,232 | €12,168 | €580 | €16,282 | -€3,585 | - |
| Income taxes67/77 | €614 | - | - | - | - | - | €772 | - | - |
| Profit (loss) for the period9904 | €2,395 | €439 | -€1,121 | -€12,232 | €12,168 | €580 | €15,510 | -€3,585 | - |
| Profit (loss) for the period to be appropriated9905 | €2,395 | €439 | -€1,121 | -€12,232 | €12,168 | €580 | €15,510 | -€3,585 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €151,922 | €146,641 | €143,630 | €141,449 | €166,350 | €117,691 | €134,346 | €124,592 | ▼ 7.3% |
| Fixed assets21/28 | €550 | €337 | €13,977 | €9,832 | €4,978 | €779 | €452 | €124 | ▼ 72.5% |
| Tangible fixed assets22/27 | €426 | €213 | €13,853 | €9,708 | €4,854 | €655 | €328 | - | - |
| Furniture and vehicles24 | - | - | - | €9,708 | €4,854 | €655 | €328 | - | - |
| Financial fixed assets28 | €124 | €124 | €124 | €124 | €124 | €124 | €124 | €124 | = |
| Current assets29/58 | €151,372 | €146,303 | €129,653 | €131,617 | €161,372 | €116,912 | €133,894 | €124,468 | ▼ 7.0% |
| Stocks and contracts in progress3 | €140,800 | €139,814 | €123,564 | €112,144 | €111,123 | €107,473 | €109,923 | €110,773 | ▲ 0.8% |
| Stocks30/36 | - | - | - | €112,144 | €111,123 | €107,473 | €109,923 | €110,773 | ▲ 0.8% |
| Amounts receivable within one year40/41 | - | €10 | - | - | €25,015 | - | €1,506 | - | - |
| Trade receivables40 | - | - | - | - | €25,015 | - | €1,506 | - | - |
| Cash at bank and in hand54/58 | €10,571 | €6,479 | €6,089 | €19,473 | €25,233 | €9,439 | €22,465 | €13,695 | ▼ 39.0% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €151,922 | €146,641 | €143,630 | €141,449 | €166,350 | €117,691 | €134,346 | €124,592 | ▼ 7.3% |
| Equity10/15 | €35,080 | €35,519 | €34,398 | €22,166 | €34,334 | €34,914 | €40,424 | €36,839 | ▼ 8.9% |
| Contributions10/11 | €29,000 | €29,000 | - | €29,000 | €29,000 | €29,000 | €29,000 | €29,000 | = |
| Contributions outside capital11 | - | - | - | €29,000 | - | - | - | - | - |
| Other1109/19 | - | - | - | €29,000 | - | - | - | - | - |
| Reserves13 | €863 | €885 | €885 | €885 | €2,900 | €2,900 | €2,900 | €2,900 | = |
| Non-distributable reserves130/1 | - | - | - | €885 | €2,900 | €2,900 | €2,900 | €2,900 | = |
| Reserves not available under the articles1311 | - | - | - | €885 | €2,900 | €2,900 | €2,900 | €2,900 | = |
| Profit (loss) carried forward14 | €5,217 | €5,634 | €4,514 | -€7,718 | €2,434 | €3,014 | €8,524 | €4,939 | ▼ 42.1% |
| Amounts payable17/49 | €116,843 | €111,122 | €109,232 | €119,283 | €132,016 | €82,777 | €93,922 | €87,753 | ▼ 6.6% |
| Amounts payable after more than one year17 | - | - | €10,044 | €4,484 | - | - | - | - | - |
| Financial debts170/4 | - | - | - | €4,484 | - | - | - | - | - |
| Amounts payable within one year42/48 | €116,843 | €111,122 | €99,187 | €114,799 | €132,016 | €82,777 | €93,922 | €87,753 | ▼ 6.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €4,126 | €5,002 | €1,231 | - | - | - |
| Trade debts44 | €28,982 | €20,678 | €8,570 | €22,187 | €45,202 | €25,968 | €38,106 | €18,814 | ▼ 50.6% |
| Suppliers440/4 | - | - | - | €22,187 | €45,202 | €25,968 | €38,106 | €18,814 | ▼ 50.6% |
| Advances received on contracts in progress46 | - | - | - | €4,035 | - | - | - | - | - |
| Taxes, remuneration and social security45 | - | - | - | €19,643 | €17,175 | €18,263 | €19,945 | €15,330 | ▼ 23.1% |
| Taxes450/3 | - | - | - | €9,803 | €10,876 | €8,522 | €9,813 | €9,456 | ▼ 3.6% |
| Remuneration and social security454/9 | - | - | - | €9,840 | €6,299 | €9,741 | €10,133 | €5,875 | ▼ 42.0% |
| Other amounts payable47/48 | - | - | - | €64,808 | €64,637 | €37,315 | €35,871 | €53,609 | ▲ 49.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,395 | €439 | -€1,121 | -€12,232 | €12,168 | €580 | €15,510 | -€3,585 | - |
| + Depreciation and write-downs630 | €213 | €213 | €4,831 | €4,854 | €4,854 | €5,182 | €328 | €328 | = |
| Operating cash flow (approximation) | €2,608 | €652 | €3,710 | -€7,377 | €17,022 | €5,762 | €15,837 | -€3,258 | - |
| Investment in fixed assets (approximation) | - | €0 | -€18,470 | -€710 | €0 | -€983 | €0 | €0 | - |
| Change in cash | - | -€4,092 | -€390 | €13,384 | €5,761 | -€15,794 | €13,026 | -€8,771 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 24 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 29-08-2026 | 2026-00455507 | NBB |
| 31-12-2024 | micro format | 28-08-2025 | 2025-00441514 | |
| 31-12-2023 | micro format | 31-08-2024 | 2024-00446246 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00426030 | |
| 31-12-2021 | micro format | 27-08-2022 | 2022-20354903 | |
| 31-12-2020 | micro format | 30-09-2021 | 2021-70600534 | |
| 31-12-2019 | micro format | 30-10-2020 | 2020-67400384 | |
| 31-12-2018 | micro format | 29-08-2019 | 2019-62200013 | |
| 31-12-2017 | full format | 19-08-2018 | 2018-48300029 | |
| 31-12-2016 | full format | 28-08-2017 | 2017-51200452 |
Board & ownership
Directors
Owners and capital
Capital transactions
- 09-01-2024 Converted to available equity
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Il peut déléguer des pouvoirs spéciaux à tout mandataire, Les administrateurs non-statutaires sont révocables ad nutum par l’assemblée…”
- Profit allocationThe articles set how profit is distributed. A BV may only pay out after a balance-sheet and liquidity test.
- “Le bénéfice net de la société est mis à la disposition de l'assemblée générale, Aucune règle particulière n'est prévue quant à la…”
Articles of association, deed of 09-01-2024 (in French)
Network & group
Connections & network
See the function holders in the KBO register.
Timeline
Acts, filings and financial milestones
09-01
Gazette deed
Amendment of the articles · Legal-form change · MiscellaneousCapital conversion · Registered office clause4 points ▸
- General meeting, 29-12-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “fonds disponibles pour des distributions” (deed in French)
- Registered office clause, “1080 Molenbeek-Saint-Jean, rue des Quatre Vents n°3-5” (deed in French)
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 20256 activities
- Tous articles de produits textiles, de confection, de prêt à porter pour hommes, dames et enfants en ce compris les vêtements professionnels, les uniformes, les vêtements de plage et la lingerie
- De vêtements de pluie, ainsi que de lodens et tous vêtements de tissus synthétiques
- De tous vêtements en cuir ou matières similaires ou synthétiques
- De tous vêtements de peausserie et de fourrure et/ou fourrure d’imitation
- De tous article de bonneterie pour hommes, dames et enfants
- De tous chapeaux, bonnets et couvre-chefs pour hommes, dames et enfants ainsi que d’écharpes, foulards, ceintures, chaussures, joaillerie et bijouterie et accessoires et matières premières qui ont trait directement ou indirectement à tous les points mentionnés ci-dessus
Invoicing and payment
Financial year and general meeting
Accounts at the NBBSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 21522B0717/00P000 | Brussels | 335 m² | 1 · 333 m² | 15.5 m · 1 |