INTEX DECO
ActiveSummary
The computed 12-month bankruptcy probability of INTEX DECO is 2.2% (moderate). The 2025 annual accounts show equity of €23k and a net result of €6k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 81% of 27786 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+17
Solvency100▲+4
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 4.11 against 4.38 in 2024; short-term debt: 23.9% and cash: 11.4% of total assets), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
76.1%
Return on assets
20.8%
Age of the figures
9 mo
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 20-05-2026, 72 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
72 d early
2024
56 d early
2023
16 d early
2022
20 d early
2021
19 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 19.3%
2024 · €28k
2021: €25k
2022: €32k
2023: €36k
2024: €28k
2021 → 2025
Total assets
€30k▼ 24.5%
2024 · €40k
2021: €56k
2022: €52k
2023: €52k
2024: €40k
2021 → 2025
Net result
€6k▲ 115%
2024 · €3k
2021: €20k
2022: €7k
2023: €4k
2024: €3k
2021 → 2025
Working capital
€22k▼ 19.2%
2024 · €28k
2021: €20k
2022: €26k
2023: €30k
2024: €28k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€32k▲ 26.1%€36k▲ 12.1%€28k▼ 19.9%€23k▼ 19.3%
Operating result€28k-€10k▼ 63.4%€6k▼ 42.3%€7k▲ 17.9%€12k▲ 65.9%
Net result€20k-€7k▼ 67.5%€4k▼ 41.3%€3k▼ 24.3%€6k▲ 115%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 66% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€528 ▼ 86.7%
Current assets
€30k ▼ 17.6%
Equity and liabilities €30k
Equity
€23k ▼ 19.3%
Debt
€7k ▼ 37.3%
Debt's share of the balance-sheet total falls from 28.8% to 23.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €13k
Cash flow
€7k▼
2024 · €9k
Current ratio
4.11▼
2024 · 4.38
Debt to equity
0.31▼
2024 · 0.40
ROE
27.3%▲
2024 · 10.2%
ROA
20.8%▲
2024 · 7.3%
Interest coverage
6.93▼
2024 · 8.27
Debt ≤ 1 year
€7k▼
2024 · €8k
Income taxes
€4k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€40k€30k▼
Fixed assets21/28€4k€528▼
Tangible fixed assets22/27€4k€528▼
Furniture and vehicles24€1k€528▼
Leasing and similar rights25€3k-
Current assets29/58€36k€30k▼
Amounts receivable within one year40/41€24k€26k▲
Trade receivables40€282€5k▲
Other amounts receivable41€24k€21k▼
Cash at bank and in hand54/58€11k€3k▼
Deferred charges and accrued income490/1€847€392▼
Equity and liabilities
Total equity and liabilities10/49€40k€30k▼
Equity10/15€28k€23k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€23k€18k▼
Amounts payable17/49€12k€7k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€8k€7k▼
Trade debts44€533-
Suppliers440/4€533-
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€714▼
Other operating charges640/8€1k€755▼
Gross operating margin9900€14k€13k▼
Operating profit (loss)9901€7k€12k▲
Financial income75/76B€29€23▼
Recurring financial income75€29€23▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€6k€10k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€30k▼
Profit (loss) brought forward from the previous period14P€31k€23k▼
Profit to be distributed694/7€10k€12k▲
Return on contributions (dividend)694€10k€12k▲
The notes to these accounts (6 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
20-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼24.3%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wavre · 1 establishment unit since 2020
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.
Rue de Nivelles 711300 WavreGround area
1,087 m²
Building footprint
130 m²
Volume, LiDAR
1,009 m³
2 parcels, Brussels, Wallonia · tallest building 16.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
INTEX DECO
since 20202.303.978.444
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0169/00W000 | Wallonia | 924 m² | 1 · 50 m² | 9.8 m |
| 21526D0234/00C003 | Brussels | 163 m² | 1 · 80 m² | 16.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
ATG Renovatiewerken
BE 0779.900.586
Lier · Eq €22,982
De Beule Laurenz
BE 1002.233.890
Hamme (Vl.) · Eq €22,973
SEALPOWER
BE 0757.814.577
Tessenderlo-Ham · Eq €22,957
G & D Vloer- en tegelwerken
BE 0756.988.394
Brasschaat · Eq €22,949
FRANSKEN
BE 1019.050.326
Lede · Eq €23,022
Of 3,962 companies in sector 43331 we hold annual accounts for 1,790. 1,401 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43331Floor and wall tiling
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
52250Logistics services
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.