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INTERVAS CONSTRUCT

Active
Private limited companyfounded 20215 yrs activeZwijnaardsesteenweg 44, 9000 Gent, BelgiumKBO/BCE: BE 0761.451.879
Summary

INTERVAS CONSTRUCT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71,434 and a net result of €58,936. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 69% of 33943 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43995
1 site
Size
€110,386total assets 2025
Equity
€71,434
Profit
€58,936
Turnover not published (abridged schema)
Financial health
67 Healthy Checked score 2025
Bankruptcy chance 12 m
1.2%
Structure
Accounts 23 d early0 of 3 deeds read
Why 67- Founded in 2021- Size: total assets €110,386- Sector Specialised construction activities (NACE 43)+ Equity €71,434 (64.7% of total assets)Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 73% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency 90+19
equity 64.7% of total assets
Liquidity 43-11
short-term debt 35.3% · cash 6.8%
Profitability 100=
return on assets 53.4%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 2.7% 12-2024: 2.7%▲ +0.1% vs 11-2024 01-2025: 2.6%▼ -1.2% vs 12-2024 02-2025: 3.2%▲ +20.8% vs 01-2025highest value 03-2025: 0.6%▼ -81.8% vs 02-2025lowest value 04-2025: 0.6%● 0.0% vs 03-2025lowest value 05-2025: 0.6%▲ +2.9% vs 04-2025 06-2025: 0.6%● 0.0% vs 05-2025 07-2025: 0.6%▼ -1.2% vs 06-2025 08-2025: 0.6%▼ -1.5% vs 07-2025 09-2025: 0.6%▲ +2.9% vs 08-2025 10-2025: 0.7%▲ +12.2% vs 09-2025 11-2025: 0.7%▲ +7.6% vs 10-2025 12-2025: 0.8%▲ +4.3% vs 11-2025 01-2026: 0.8%▲ +2.5% vs 12-2025 02-2026: 1.2%▲ +54.6% vs 01-2026 03-2026: 1.2%● 0.0% vs 02-2026 04-2026: 1.2%▼ -2.8% vs 03-2026 05-2026: 1.1%▼ -3.7% vs 04-2026 06-2026: 1.1%● 0.0% vs 05-2026 07-2026: 1.1%▼ -0.2% vs 06-2026 08-2026: 1.1%▲ +0.5% vs 07-2026 09-2026: 1.0%▼ -7.0% vs 08-2026 10-2026: 1.2%▲ +18.6% vs 09-2026
  • Founded in 2021 raises the probability for this profile
  • Size: total assets €110,386 raises the probability for this profile
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Equity €71,434 (64.7% of total assets) lowers the probability
Credit up to €4,500 at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.86 in 2024; short-term debt: 35.3% and cash: 6.8% of total assets), and 35.3% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 70%, liquidity 32%, profitability 93%, growth against the median 98%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Founded in 2021
In the bankruptcy model this factor raises the probability for this profile.
KBO
raises risk · Size: total assets €110,386
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Equity €71,434 (64.7% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
23 d early
2024
3 d early
2023
21 d early
2022
1 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 12 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 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 19 January (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close06-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2022net €58,936 ▲176%
  3. Annual accounts filedfiscal year 2024 · micro…

Financials · fiscal year 2025, micro schema

Equity
€71,434▲ 472%
2024 · €12,498
Total assets
€110,386▲ 307%
2024 · €27,095
Net result
€58,936▲ 176%
2024 · €21,347
Working capital
€63,186▲ 406%
2024 · €12,498
Trend over the years

2022 to 2025, 4 fiscal years

The operating result has risen three years in a row; 2025 is 230% above 2024 and is the highest result in the available series.

What the company sold each fiscal year and what was left of it. A loss stands below the zero line.

Operating result€80,511 2025 Net result€58,936 2025

Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result-€6,846--€2,504▲ 63.4%€24,383€80,511▲ 230%
Net result-€6,846below the sector's middle half--€2,504below the sector's middle half▲ 63.4%€21,347within the sector's middle half€58,936above the sector's middle half▲ 176%
Equity-€6,346below the sector's middle half--€8,849below the sector's middle half▼ 39.5%€12,498below the sector's middle half€71,434within the sector's middle half▲ 472%
Total assets€4,330below the sector's middle half-€2,999below the sector's middle half▼ 30.7%€27,095below the sector's middle half▲ 804%€110,386within the sector's middle half▲ 307%
Debt€10,675-€11,848▲ 11.0%€14,596▲ 23.2%€38,952▲ 167%
Working capital-€6,346below the sector's middle half--€8,849below the sector's middle half▼ 39.5%€12,498within the sector's middle half€63,186within the sector's middle half▲ 406%
Solvency46.1%within the sector's middle half64.7%within the sector's middle half▲ 18.6pp
Current ratio1.86within the sector's middle half2.62within the sector's middle half▲ 0.77
Return on assets (ROA)78.8%above the sector's middle half53.4%above the sector's middle half▼ 25.4pp
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.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110,386
Fixed assets €8,248
Current assets €102,138
Equity and liabilities €110,386
Equity €71,434 ▲ 472%
Debt €38,952 ▲ 167%
Debt's share of the balance-sheet total falls from 53.9% to 35.3%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€80,761
Cash flow
€59,186
Debt to equity
0.55▼
2024 · 1.17
ROE
82.5%▼
2024 · 170.8%
Interest coverage
1072.95
Debt ≤ 1 year
€38,952▲
2024 · €14,596
Income taxes
€22,848▲
2024 · €3,004
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
3.5% stopped otherwise
95% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.2% 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 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.0%
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%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 26,975 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€27,095€110,386▲
Fixed assets21/28-€8,248
Tangible fixed assets22/27-€8,248
Furniture and vehicles24-€8,248
Current assets29/58€27,095€102,138▲
Amounts receivable within one year40/41€20,302€93,268▲
Trade receivables40€17,198€47,904▲
Other amounts receivable41€3,104€45,364▲
Cash at bank and in hand54/58€6,792€7,547▲
Deferred charges and accrued income490/1-€1,323
Equity and liabilities
Total equity and liabilities10/49€27,095€110,386▲
Equity10/15€12,498€71,434▲
Contributions10/11€500€500=
Profit (loss) carried forward14€11,998€70,934▲
Amounts payable17/49€14,596€38,952▲
Amounts payable within one year42/48€14,596€38,952▲
Trade debts44€2,732€9,604▲
Suppliers440/4€2,732€9,604▲
Taxes, remuneration and social security45€11,804€29,348▲
Taxes450/3€3,004€22,848▲
Remuneration and social security454/9€8,800€6,500▼
Other amounts payable47/48€60-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€250
Other operating charges640/8-€355
Gross operating margin9900€24,383€81,116▲
Operating profit (loss)9901€24,383€80,511▲
Financial income75/76B-€1,348
Recurring financial income75-€1,348
Financial charges65/66B€31€75▲
Recurring financial charges65€31€75▲
Profit (loss) for the period before taxes9903€24,352€81,784▲
Income taxes67/77€3,004€22,848▲
Profit (loss) for the period9904€21,347€58,936▲
Profit (loss) for the period to be appropriated9905€21,347€58,936▲
Appropriation of the result
Profit (loss) to be appropriated9906€11,998€70,934▲
Profit (loss) brought forward from the previous period14P-€9,349€11,998▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630---€250-
Other operating charges640/8---€355-
Gross operating margin9900-€6,846-€2,504€24,383€81,116▲ 233%
Operating profit (loss)9901-€6,846-€2,504€24,383€80,511▲ 230%
Financial income75/76B---€1,348-
Recurring financial income75---€1,348-
Financial charges65/66B--€31€75▲ 142%
Recurring financial charges65--€31€75▲ 142%
Profit (loss) for the period before taxes9903-€6,846-€2,504€24,352€81,784▲ 236%
Income taxes67/77--€3,004€22,848▲ 660%
Profit (loss) for the period9904-€6,846-€2,504€21,347€58,936▲ 176%
Profit (loss) for the period to be appropriated9905-€6,846-€2,504€21,347€58,936▲ 176%
Line2022202320242025Change
Assets
Total assets20/58€4,330€2,999€27,095€110,386▲ 307%
Fixed assets21/28---€8,248-
Tangible fixed assets22/27---€8,248-
Furniture and vehicles24---€8,248-
Current assets29/58€4,330€2,999€27,095€102,138▲ 277%
Amounts receivable within one year40/41€4,330€2,999€20,302€93,268▲ 359%
Trade receivables40€3,702€1,402€17,198€47,904▲ 179%
Other amounts receivable41€627€1,597€3,104€45,364▲ 1,361%
Cash at bank and in hand54/58--€6,792€7,547▲ 11.1%
Deferred charges and accrued income490/1---€1,323-
Equity and liabilities
Total equity and liabilities10/49€4,330€2,999€27,095€110,386▲ 307%
Equity10/15-€6,346-€8,849€12,498€71,434▲ 472%
Contributions10/11€500€500€500€500=
Profit (loss) carried forward14-€6,846-€9,349€11,998€70,934▲ 491%
Amounts payable17/49€10,675€11,848€14,596€38,952▲ 167%
Amounts payable within one year42/48€10,675€11,848€14,596€38,952▲ 167%
Trade debts44€8,675€1,331€2,732€9,604▲ 252%
Suppliers440/4€8,675€1,331€2,732€9,604▲ 252%
Taxes, remuneration and social security45--€11,804€29,348▲ 149%
Taxes450/3--€3,004€22,848▲ 660%
Remuneration and social security454/9--€8,800€6,500▼ 26.1%
Other amounts payable47/48€2,000€10,517€60--
Line2022202320242025Change
Profit (loss) for the period9904-€6,846-€2,504€21,347€58,936▲ 176%
+ Depreciation and write-downs630---€250-
Operating cash flow (approximation)-€6,846-€2,504€21,347€59,186▲ 177%
Change in cash---€754-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Similar companies · same sector, comparable size

Of 15,505 companies in this sector we hold annual accounts for 7,508. 6,307 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Directors

Directors
No directors read yet: 0 of 3 Gazette acts processed. See the function holders in the CBE →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 11 January 2021, INTERVAS CONSTRUCT was incorporated as a Private limited company.1 Total assets went from €4,330 in 2022 to €110,386 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-01-2027
2026
08-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial Highest result since 2022net €58,936 ▲176%
Operating result €80,511, net result €58,936, both a record.
28-01
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial Back to profitnet €21,347
Net result €21,347 after 2 loss-making years.
30-06
Financial Liquidity times 7current ratio 1.86
Current ratio from 0.25 to 1.86.
10-01
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded11-01-2021
Fiscal year end30-06
Activities, NACEBEL 2025
43990Other specialised construction activities
41001General construction of residential buildings
43110Demolition
43213Specialised construction activities
43221Plumbing work
43410Roofing work
E-invoicing
Reachable via Peppol
Peppol ID 0208:0761451879
Also 9925:BE0761451879
Registered 29-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 6 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2021
seat establishment The establishment unit on the map
Ground area
511 m²
Building footprint
499 m²
Volume, LiDAR
3,873 m³
2 parcels, Brussels, Flanders · tallest building 16.8 m, ±3 floors. Linked by address, not a title deed.
144 companies at this address See who is registered here
1 establishment unit
INTERVAS CONSTRUCT
François-Joseph Navezstraat 27/ETRC, 1030 SchaarbeekRepair, maintenance and installation of machinery and equipment
since 2021unit no. 2.313.346.070
2 parcels
Flanders 1 (50%) Brussels 1 (50%)
Parcel (capakey) Region Area Buildings Height / fl.
21910E0123/00A006 Brussels 297 m² 1 · 296 m² 16.8 m · 1 fl.
44808H0052/00R006 Flanders 214 m² 1 · 202 m² 11.8 m · 3 fl.
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.