INTERSTYLE BELGIUM
ActiveINTERSTYLE BELGIUM has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €834k and a net result of €466k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-1
Solvency58▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.6 in 2024; short-term debt: 61.5% and cash: 5.6% of total assets), but 66.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
33.3%
Return on assets
18.6%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 07-01-2026, 113 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
113 d early
2024
134 d early
2023
43 d early
2022
47 d early
2021
3 d early
2020
39 d early
2019
16 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€834k▲ 0.1%
2024 · €833k
2018: €432k
2019: €590k
2020: €796k
2021: €805k
2022: €832k
2023: €833k
2024: €833k
2018 → 2025
Total assets
€2.50M▼ 5.5%
2024 · €2.65M
2018: €1.17M
2019: €1.26M
2020: €1.31M
2021: €1.78M
2022: €3.38M
2023: €2.56M
2024: €2.65M
2018 → 2025
Net result
€466k▼ 10.5%
2024 · €520k
2018: €22k
2019: €157k
2020: €207k
2021: €608k
2022: €827k
2023: €151k
2024: €520k
2018 → 2025
Working capital
€882k▼ 7.0%
2024 · €949k
2018: €309k
2019: €401k
2020: €557k
2021: €717k
2022: €750k
2023: €1.07M
2024: €949k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€805k-€832k▲ 3.4%€833k▲ 0.1%€833k▲ 0.1%€834k▲ 0.1%
Operating result€648k-€905k▲ 39.6%€224k▼ 75.3%€566k▲ 153%€485k▼ 14.4%
Net result€608k-€827k▲ 36.0%€151k▼ 81.8%€520k▲ 245%€466k▼ 10.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€82k▼ 24.3%
Current assets
€2.42M▼ 4.7%
Equity and liabilities €2.50M
Equity
€834k▲ 0.1%
Debt
€1.67M▼ 8.0%
The debt ratio falls from 68.5% to 66.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€518k▼
2024 · €597k
Cash flow
€499k▼
2024 · €551k
Solvency
33.3%▲
2024 · 31.5%
Current ratio
1.57▼
2024 · 1.60
Quick ratio
0.20▼
2024 · 0.23
Debt / equity
2.00▼
2024 · 2.17
ROE
55.8%▼
2024 · 62.4%
ROA
18.6%▼
2024 · 19.7%
Interest coverage
18.94▲
2024 · 10.89
Debt
€1.67M▼
2024 · €1.81M
Debt ≤ 1 year
€1.54M▼
2024 · €1.59M
Debt > 1 year
€128k▼
2024 · €221k
Income taxes
€2k▼
2024 · €4k
Staff costs
€495k▲
2024 · €452k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.65M€2.50M▼
Fixed assets21/28€108k€82k▼
Tangible fixed assets22/27€83k€51k▼
Plant, machinery and equipment23€13k€9k▼
Furniture and vehicles24€36k€25k▼
Other tangible fixed assets26€34k€18k▼
Financial fixed assets28€25k€31k▲
Current assets29/58€2.54M€2.42M▼
Stocks and contracts in progress3€2.18M€2.11M▼
Stocks30/36€2.18M€2.11M▼
Amounts receivable within one year40/41€138k€150k▲
Trade receivables40€134k€149k▲
Other amounts receivable41€4k€1k▼
Cash at bank and in hand54/58€210k€140k▼
Deferred charges and accrued income490/1€10k€18k▲
Equity and liabilities
Total equity and liabilities10/49€2.65M€2.50M▼
Equity10/15€833k€834k▲
Contributions10/11€468k€468k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€359k€359k▲
Amounts payable17/49€1.81M€1.67M▼
Amounts payable after more than one year17€221k€128k▼
Financial debts170/4€221k€128k▼
Amounts payable within one year42/48€1.59M€1.54M▼
Current portion of amounts payable after more than one year42€89k€92k▲
Trade debts44€50k€45k▼
Suppliers440/4€50k€45k▼
Advances received on contracts in progress46€35k€55k▲
Taxes, remuneration and social security45€77k€63k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€63k€59k▼
Other amounts payable47/48€1.34M€1.28M▼
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€452k€495k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€34k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-13k€-13k▲
Other operating charges640/8€32k€36k▲
Gross operating margin9900€1.07M€1.04M▼
Operating profit (loss)9901€566k€485k▼
Financial income75/76B€13k€10k▼
Recurring financial income75€13k€10k▼
Financial charges65/66B€55k€27k▼
Recurring financial charges65€55k€27k▼
Profit (loss) for the period before taxes9903€524k€467k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€520k€466k▼
Profit (loss) for the period to be appropriated9905€520k€466k▼
Appropriation of the result
Profit (loss) to be appropriated9906€879k€824k▼
Profit (loss) brought forward from the previous period14P€358k€359k▲
Profit to be distributed694/7€520k€465k▼
Directors or managers695€520k€465k▼
Social balance
Average headcount (FTE)90877.87.9▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
17-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €827k ▲36%
Operating result €905k, net result €827k, both a record.
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Equity above €500kEq €590k ▲36.4%
2 profitable years in a row build equity to €590k.
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Hamme (Vl.) · 4 establishment units since 1995
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Museumstraat 49220 Hamme (Vl.)Ground area
7,534 m²
Building footprint
4,485 m²
Volume, LiDAR
31,086 m³
4 parcels, Flanders · tallest building 20.1 m, ±3 floors. Linked by address, not a title deed.
4 establishment units
Interstyle Belgium
since 19952.072.937.510
TEAK DECO
since 20062.150.710.130
TEAK DISCOUNT
since 20182.281.118.613
TEAK DISCOUNT
since 20232.342.264.443
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402C0238/00M008 | Flanders | 2,276 m² | 1 · 1,264 m² | 8.8 m · 3 fl. |
| 46002C1088/00K002 | Flanders | 2,065 m² | 1 · 718 m² | 12.1 m · 2 fl. |
| 42452B0680/00R002 | Flanders | 1,656 m² | 1 · 1,657 m² | 10.2 m · 2 fl. |
| 23033B0303/00A002 | Flanders | 1,537 m² | 1 · 845 m² | 20.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 497 EUR awarded · 497 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 497 EUR | 497 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-1995
Fiscal year end30-09
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
47551Retail sale of household furniture
47591Retail trade
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
51160
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.