Age32 yrs
Real estate1 parcel · 2,322 m²
Summary
Conclusion
the dossier summarised in one paragraphA bankruptcy procedure is open for INTERVAN according to publications in the Belgian State Gazette. The 2024 annual accounts show equity of €249k and a net result of €-16k.
Based on the State Gazette, CBE and 7 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneBankruptcy opened
A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.
Insolvency timeline
1 events16-02-2026
Bankruptcy
Opening
Signals
1 signal · with evidencePersistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
Filing behaviour not assessed
The register records an open bankruptcy. From that point the trustee files and the ordinary seven-month rhythm no longer governs. The register carries no start date, so we cannot tell which filings fall before it: we show the facts and do not assess the behaviour.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00425228 |
| 31-12-2023 | 31-07-2024 | 24-07-2024 | 7 d early | 2024-00291531 |
| 31-12-2022 | 31-07-2023 | 30-08-2023 | 30 d late | 2023-00402296 |
| 31-12-2021 | 31-07-2022 | 30-08-2022 | 30 d late | 2022-20399319 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-63200065 |
| 31-12-2019 | 31-07-2020 | 30-10-2020 | 91 d late | 2020-66800363 |
| 31-12-2018 | 31-07-2019 | 30-08-2019 | 30 d late | 2019-62300483 |
| 31-12-2017 | 31-07-2018 | 31-08-2018 | 31 d late | 2018-55400080 |
| 31-12-2016 | 31-07-2017 | 31-08-2017 | 31 d late | 2017-58600515 |
| 31-12-2015 | 31-07-2016 | 16-08-2016 | 16 d late | 2016-42300158 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsRegister: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-16k+24.8%
Working capital€-142k-9.3%
Directors1
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 32.9% | 40.9% | |
| Net result | €-16k | €11k | |
| Equity | €249k | €34k | |
| Gross operating margin | €45k | €35k | |
| Total assets | €755k | €93k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P40
Stable position over 2020-2024
· n=1633-11088
P7
Weakening position over 2020-2024
· n=1626-11070
P95
Stable position over 2020-2024
· n=1635-11091
P59
Weakening position over 2020-2024
· n=1624-11060
Describes the position versus peers, not a forecast.
€36k
+12.5%
18-24
€-16k
+24.8%
18-24
€24k
+0.7%
18-24
€755k
-3.6%
18-24
€249k
-5.9%
18-24
€-142k
-9.3%
18-24
€471
+96.4%
18-24
€436k
-2.2%
18-24
€296k
+8.4%
18-24
€141k
-18.5%
18-24
0.52
-0.8%
18-24
0.52
-0.8%
18-24
32.9%
-2.4%
18-24
1.75
+3.9%
18-24
-6.3%
+20.1%
18-24
-2.1%
+22.0%
18-24
2.45
-14.9%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €36k |
| Net profit | €-16k |
| Cash flow | €24k |
| Staff costs | - |
| Income taxes | €471 |
| Dividends | - |
| Total assets | €755k |
| Equity | €249k |
| Debt | €436k |
| of which ≤ 1y | €296k |
| of which > 1y | €141k |
| Working capital | €-142k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.52 |
| Quick ratio | 0.52 |
| Working capital ratio | -18.8% |
| Solvency | 32.9% |
| Debt / equity | 1.75 |
| Long-term debt ratio | 0.57 |
| Interest coverage | 2.45 |
| Gross margin | - |
| Net margin | - |
| ROA | -2.1% |
| ROE | -6.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €755k |
| Fixed assets | 21/28 | €602k |
| Tangible fixed assets | 22/27 | €594k |
| Financial fixed assets | 28 | €8k |
| Current assets | 29/58 | €154k |
| Amounts receivable within one year | 40/41 | €144k |
| Cash & bank | 54/58 | €9k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €755k |
| Equity | 10/15 | €249k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €140k |
| Accumulated profits (losses) | 14 | €90k |
| Provisions & deferred taxes | 16 | €70k |
| Amounts payable | 17/49 | €436k |
| Amounts payable after one year | 17 | €141k |
| Amounts payable within one year | 42/48 | €296k |
| Trade debts payable within one year | 44 | €111k |
| Income statement | ||
| Gross operating margin | 9900 | €45k |
| Operating result | 9901 | €-3k |
| Financial income | 75 | €28 |
| Financial charges | 65 | €15k |
| Result before taxes | 9903 | €-18k |
| Income taxes | 67/77 | €471 |
| Net result for the period | 9904 | €-16k |
| Result to be appropriated | 9905 | €-7k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed0
/ 100
Critical
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Directors
Directors & mandates
Not yet read from the acts
4 acts for this company are in the Belgian State Gazette, of which we have read 0. This is therefore not a statement about the company: we have not extracted its directors from those acts yet.
Insolvency mandates
1 mandate| Role | Name | Tenure | Source |
|---|---|---|---|
| Curator | ALEXIA DE CLERCQ EDGARD GEVAERTDREEF 10,
9830 SINT-MARTENS-LATEM |
10-02-2026 → present | Belgian State Gazette |
Legal Structure
| NACE primary | Overige werkzaamheden in verband met de afwerking van gebouwen(43350) |
| Legal form | Private limited company(610) |
| Incorporation | 17-11-1993 |
| Status | Active |
| Postal code | 9880 |
| First BS signal | 16-02-2026 |
| Latest BS signal | 16-02-2026 |
Structure & network
Ownership & control
No ownership or control structure found in the sources.
For this we read shareholding and parent/subsidiary relations from the acts in the Belgian State Gazette, plus the board seats that legal entities hold in one another. Nothing of the sort is published for this company, which is common: most Belgian companies do not publish a shareholding structure.
1 court or liquidation mandate is on record for this company. Such a mandate is a fact about the company itself, not about a tie to another one: two bankruptcies handled by the same receiver are two separate cases. They are listed under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Steenweg op Deinze 51B9880 AalterEstablishment units
1 locationINTERVAN
since 19942.065.456.236
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,322 m²
Buildings1
Building footprint679 m²
Volume (LiDAR)2,420 m³
Tallest building4.6 m · ±1 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44035B0075/00S000 | Flanders | 2,321 m² | 1 · 679 m² | 4.6 m · 1 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
1 event from the State Gazette16-02-2026
Bankruptcy
Opening
Time machine: BS events + macro context
2021-2026Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 2 years ago
2024
02-02-2024 Board composition published
Notary:
Jan Byttebier · Nevele
Analysis
Snowflake analysis
financial profile on 5 axes15
/ 100
Fragile profile, watch health in particular.
All 5 axes are computed from data Checked has read.
Health
0
Profitability
0
Solvency
44
Growth
32
Stability
0
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Credit advice
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Company registry
Company registry (CBE)
Crossroads BankActivities
Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Overige werkzaamheden in verband met de afwerking van gebouwen45450Bouwrijp maken van terreinen43120Bouwrijp maken van terreinen43120Plaatsen van vloer- en wandtegels43331Plaatsen van vloer- en wandtegels43331Grondverzet45112Plaatsen van vloer- en wandtegels45431Detailhandel in huishoudtextiel en beddengoed in gespecialiseerde winkels47512Detailhandel in huishoudtextiel en beddengoed47512Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen, algemeen assortiment47521Detailhandel in ijzerwaren, bouwmaterialen, verf en glas (algemeen assortiment)47521Detailhandel in textiel52410Detailhandel in ijzerwaren, verf, bouwmaterialen (inclusief doe-het-zelfzaken) met een verkoopsoppervlakte van minder dan 400 m252461Verhuur en lease van speel-, amusement-, en verkoopautomaten77391Verhuur en lease van speel-, amusement-, en verkoopautomaten77391Depothouders voor de behandeling van was en de reiniging van kleding93013Activiteiten van industriële wasserijen96011Activiteiten van wasserettes en wassalons ten behoeve van particulieren96012Activiteiten van industriële wasserijen96101Activiteiten van wasserettes en wassalons ten behoeve van particulieren96102
Primary activity highlighted.
Names & trade names
| Legal nameNL | INTERVAN |
Registered office
Steenweg op Deinze 51B
9880 Aalter, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.