INTERSTUC
ActiveSummary
INTERSTUC has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73,583 and a net result of -€212. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 28254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability52▲+52
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 14.14 against 31.48 in 2024; short-term debt: 6% and cash: 62.9% of total assets), and 6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€212
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
43 d early
2023
42 d early
2022
47 d early
2021
54 d early
2020
31 d early
2019
50 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 45 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€73,583▼ 0.3%
2024 · €73,794
Total assets
€78,302▲ 3.4%
2024 · €75,742
Net result
-€212▲ 99.0%
2024 · -€20,649
Working capital
€62,009▲ 4.5%
2024 · €59,352
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20212022202320242025
Operating result€42,419▲ 36.1%€12,950▼ 69.5%-€10,765-€19,483▼ 81.0%€1,142
Net result€20,634within the sector's middle half▼ 31.4%€3,363within the sector's middle half▼ 83.7%-€13,793below the sector's middle half-€20,649below the sector's middle half▼ 49.7%-€212below the sector's middle half▲ 99.0%
Equity€125,065above the sector's middle half▲ 18.0%€126,828within the sector's middle half▲ 1.4%€94,443within the sector's middle half▼ 25.5%€73,794within the sector's middle half▼ 21.9%€73,583within the sector's middle half▼ 0.3%
Total assets€167,973within the sector's middle half▲ 20.5%€155,998within the sector's middle half▼ 7.1%€102,755within the sector's middle half▼ 34.1%€75,742within the sector's middle half▼ 26.3%€78,302within the sector's middle half▲ 3.4%
Debt€42,909▲ 28.7%€29,170▼ 32.0%€8,313▼ 71.5%€1,947▼ 76.6%€4,719▲ 142%
Working capital€102,462above the sector's middle half▲ 16.8%€110,197above the sector's middle half▲ 7.5%€85,916within the sector's middle half▼ 22.0%€59,352within the sector's middle half▼ 30.9%€62,009within the sector's middle half▲ 4.5%
Solvency74.5%above the sector's middle half▼ 1.6pp81.3%above the sector's middle half▲ 6.8pp91.9%above the sector's middle half▲ 10.6pp97.4%above the sector's middle half▲ 5.5pp94.0%above the sector's middle half▼ 3.5pp
Current ratio3.74above the sector's middle half▼ 1.124.83above the sector's middle half▲ 1.0911.34above the sector's middle half▲ 6.5031.48above the sector's middle half▲ 20.1414.14above the sector's middle half▼ 17.34
Return on assets (ROA)12.3%within the sector's middle half▼ 9.3pp2.2%within the sector's middle half▼ 10.1pp-13.4%below the sector's middle half▼ 15.6pp-27.3%below the sector's middle half▼ 13.8pp-0.3%below the sector's middle half▲ 27.0pp
Staff (FTE)3.8▼ 5.0%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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 returns to profit in 2025: €1,142 after a loss of €19,483 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78,302
Fixed assets
€11,574 ▼ 19.9%
Current assets
€66,728 ▲ 8.9%
Equity and liabilities €78,302
Equity
€73,583 ▼ 0.3%
Debt
€4,719 ▲ 142%
Debt's share of the balance-sheet total rises from 2.6% to 6.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5,195▲
2024 · -€17,407
Cash flow
€3,842▲
2024 · -€18,572
Debt to equity
0.06▲
2024 · 0.03
ROE
-0.3%▲
2024 · -28.0%
Interest coverage
4.03▲
2024 · -14.19
Debt ≤ 1 year
€4,719▲
2024 · €1,947
Income taxes
€139▼
2024 · €168
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% 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 12,321 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €42,409 | €2,544 | €11 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,993 | €9,405 | €9,553 | €2,077 | €4,053 | ▲ 95.2% |
| Other operating charges640/8 | €735 | €632 | €517 | €511 | €636 | ▲ 24.4% |
| Gross operating margin9900 | €95,555 | €25,530 | -€684 | -€16,895 | €5,831 | ▲ 135% |
| Operating profit (loss)9901 | €42,419 | €12,950 | -€10,765 | -€19,483 | €1,142 | ▲ 106% |
| Financial income75/76B | €634 | €3 | €136 | €230 | €75 | ▼ 67.3% |
| Recurring financial income75 | €634 | €3 | €136 | €230 | €75 | ▼ 67.3% |
| Financial charges65/66B | €9,955 | €5,681 | €2,827 | €1,226 | €1,289 | ▲ 5.1% |
| Recurring financial charges65 | €9,955 | €5,681 | €2,827 | €1,226 | €1,289 | ▲ 5.1% |
| Profit (loss) for the period before taxes9903 | €33,097 | €7,271 | -€13,455 | -€20,480 | -€72 | ▲ 99.6% |
| Income taxes67/77 | €12,463 | €3,908 | €337 | €168 | €139 | ▼ 17.2% |
| Profit (loss) for the period9904 | €20,634 | €3,363 | -€13,793 | -€20,649 | -€212 | ▲ 99.0% |
| Profit (loss) for the period to be appropriated9905 | €20,634 | €3,363 | -€13,793 | -€20,649 | -€212 | ▲ 99.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €167,973 | €155,998 | €102,755 | €75,742 | €78,302 | ▲ 3.4% |
| Fixed assets21/28 | €28,176 | €17,063 | €8,526 | €14,442 | €11,574 | ▼ 19.9% |
| Tangible fixed assets22/27 | €27,756 | €16,778 | €8,241 | €14,157 | €11,288 | ▼ 20.3% |
| Plant, machinery and equipment23 | €2,591 | €873 | €1,595 | €1,246 | €898 | ▼ 28.0% |
| Furniture and vehicles24 | €16,664 | €8,332 | - | €7,192 | €4,528 | ▼ 37.0% |
| Other tangible fixed assets26 | €8,501 | €7,574 | €6,646 | €5,719 | €5,863 | ▲ 2.5% |
| Financial fixed assets28 | €420 | €285 | €285 | €285 | €285 | = |
| Current assets29/58 | €139,797 | €138,935 | €94,229 | €61,299 | €66,728 | ▲ 8.9% |
| Stocks and contracts in progress3 | €779 | - | - | - | - | - |
| Stocks30/36 | €779 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €4,395 | €6,147 | €5,685 | €6,502 | €12,185 | ▲ 87.4% |
| Trade receivables40 | - | €2,293 | €3,030 | €3,358 | €7,236 | ▲ 115% |
| Other amounts receivable41 | €4,395 | €3,854 | €2,654 | €3,144 | €4,949 | ▲ 57.4% |
| Cash at bank and in hand54/58 | €130,295 | €124,715 | €82,666 | €50,851 | €49,272 | ▼ 3.1% |
| Deferred charges and accrued income490/1 | €4,328 | €8,073 | €5,878 | €3,947 | €5,271 | ▲ 33.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €167,973 | €155,998 | €102,755 | €75,742 | €78,302 | ▲ 3.4% |
| Equity10/15 | €125,065 | €126,828 | €94,443 | €73,794 | €73,583 | ▼ 0.3% |
| Contributions10/11 | €18,592 | €18,592 | €15,274 | €15,274 | €15,274 | = |
| Reserves13 | €106,473 | €108,236 | €79,169 | €58,520 | €58,309 | ▼ 0.4% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | - | - | - | - |
| Reserves not available under the articles1311 | €1,859 | €1,859 | - | - | - | - |
| Distributable reserves133 | €104,614 | €106,376 | €79,169 | €58,520 | €58,309 | ▼ 0.4% |
| Amounts payable17/49 | €42,909 | €29,170 | €8,313 | €1,947 | €4,719 | ▲ 142% |
| Amounts payable after more than one year17 | €5,573 | €433 | - | - | - | - |
| Financial debts170/4 | €5,573 | €433 | - | - | - | - |
| Amounts payable within one year42/48 | €37,335 | €28,737 | €8,313 | €1,947 | €4,719 | ▲ 142% |
| Current portion of amounts payable after more than one year42 | €5,040 | €5,140 | €433 | - | - | - |
| Trade debts44 | €18,379 | €5,667 | €3,723 | €1,274 | €3,934 | ▲ 209% |
| Suppliers440/4 | €18,379 | €5,667 | €3,723 | €1,274 | €3,934 | ▲ 209% |
| Taxes, remuneration and social security45 | €12,797 | €16,810 | €4,157 | €673 | €785 | ▲ 16.6% |
| Taxes450/3 | €12,797 | €16,810 | €4,157 | €673 | €785 | ▲ 16.6% |
| Other amounts payable47/48 | €1,120 | €1,120 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,634 | €3,363 | -€13,793 | -€20,649 | -€212 | ▲ 99.0% |
| + Depreciation and write-downs630 | €9,993 | €9,405 | €9,553 | €2,077 | €4,053 | ▲ 95.2% |
| Operating cash flow (approximation) | €30,626 | €12,768 | -€4,240 | -€18,572 | €3,842 | ▲ 121% |
| Investment in fixed assets (approximation) | - | €1,708 | -€1,016 | -€7,993 | -€1,185 | ▲ 85.2% |
| Change in cash | - | -€5,581 | -€42,048 | -€31,815 | -€1,579 | ▲ 95.0% |
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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€20,649
Net result drops to -€20,649, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 31.48
Current ratio from 11.34 to 31.48; short-term debt falls from €8,313 to €1,947.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 11.34
Current ratio from 4.83 to 11.34; short-term debt falls from €28,737 to €8,313.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €30,089 ▲14,312%
Net result €30,089, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 4.86
Current ratio from 1.68 to 4.86; short-term debt falls from €55,809 to €22,727.
31-12
Financial
Equity above €100,000Eq €106,031 ▲36.7%
3 profitable years in a row build equity to €106,031.
Show earlier events
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Halen · 1 establishment unit since 1994
Ground area
1,197 m²
Building footprint
210 m²
Volume, LiDAR
1,208 m³
Parcel 71063B0055/00R000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
INTERSTUC BVBA
since 19942.065.463.956
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71063B0055/00R000 | Flanders | 1,197 m² | 1 · 210 m² | 9.0 m · 2 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.
Similar companies · same sector, comparable size
PARATECH
BE 0741.788.001
Ans · Eq €73,535
Bouwwerken T. Van Dyck
BE 0716.943.628
Boechout · Eq €73,679
NAD AMENAGEMENTS
BE 0819.025.933
Huy · Eq €73,741
KT PLAFO-ART
BE 0870.724.359
Putte · Eq €73,316
LB-WORKS
BE 0537.253.108
Hulshout · Eq €73,968
Of 4,020 companies in sector 43310 we hold annual accounts for 1,749. 1,526 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
Founded01-02-1994
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
41001General construction of residential buildings
E-invoicing
Reachable via Peppol
Peppol ID
0208:0451808083
Registered
08-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.