Intopia
ActiveSummary
Intopia has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €448k and a net result of €107k. Equity is growing by ~29.2% per year across the filed fiscal years. Its solvency ranks better than 50% of 2198 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-1
Solvency62▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 3.42 against 2.8 in 2024; short-term debt: 23.1% and cash: 19.9% of total assets), but 62.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three 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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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
37.3%
Return on assets
8.9%
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 11-05-2026, 81 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
81 d early
2024
58 d early
2023
63 d early
2022
56 d early
2021
75 d early
2020
3 d early
2019
38 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€448k▲ 34.1%
2024 · €334k
2018: €32klowest in 8 years
2019: €49k▲ +55.8% vs 2018
2020: €125k▲ +152% vs 2019
2021: €152k▲ +21.9% vs 2020
2022: €208k▲ +36.5% vs 2021
2023: €240k▲ +15.9% vs 2022
2024: €334k▲ +39.0% vs 2023
2025: €448k▲ +34.1% vs 2024highest in 8 years
2018 → 2025
Total assets
€1.20M▲ 22.3%
2024 · €982k
2018: €163klowest in 8 years
2019: €223k▲ +37.4% vs 2018
2020: €414k▲ +85.0% vs 2019
2021: €473k▲ +14.4% vs 2020
2022: €562k▲ +18.9% vs 2021
2023: €583k▲ +3.7% vs 2022
2024: €982k▲ +68.5% vs 2023
2025: €1.20M▲ +22.3% vs 2024highest in 8 years
2018 → 2025
Net result
€107k▲ 14.3%
2024 · €94k
2018: €5klowest in 8 years
2019: €18k▲ +255% vs 2018
2020: €75k▲ +325% vs 2019
2021: €27k▼ -63.7% vs 2020
2022: €55k▲ +103% vs 2021
2023: €33k▼ -40.6% vs 2022
2024: €94k▲ +185% vs 2023
2025: €107k▲ +14.3% vs 2024highest in 8 years
2018 → 2025
Working capital
€672k▲ 33.4%
2024 · €504k
2018: €85klowest in 8 years
2019: €112k▲ +31.9% vs 2018
2020: €225k▲ +101% vs 2019
2021: €250k▲ +10.9% vs 2020
2022: €295k▲ +18.3% vs 2021
2023: €348k▲ +17.9% vs 2022
2024: €504k▲ +44.8% vs 2023
2025: €672k▲ +33.4% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€208k▲ 36.5%€240k▲ 15.9%€334k▲ 39.0%€448k▲ 34.1%
2021: €152klowest in 5 years
2022: €208k▲ +36.5% vs 2021
2023: €240k▲ +15.9% vs 2022
2024: €334k▲ +39.0% vs 2023
2025: €448k▲ +34.1% vs 2024highest in 5 years
Operating result€47k-€80k▲ 72.1%€50k▼ 37.4%€135k▲ 168%€156k▲ 16.0%
2021: €47klowest in 5 years
2022: €80k▲ +72.1% vs 2021
2023: €50k▼ -37.4% vs 2022
2024: €135k▲ +168% vs 2023
2025: €156k▲ +16.0% vs 2024highest in 5 years
Net result€27k-€55k▲ 103%€33k▼ 40.6%€94k▲ 185%€107k▲ 14.3%
2021: €27klowest in 5 years
2022: €55k▲ +103% vs 2021
2023: €33k▼ -40.6% vs 2022
2024: €94k▲ +185% vs 2023
2025: €107k▲ +14.3% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or 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 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€251k ▲ 26.9%
Current assets
€950k ▲ 21.1%
Equity and liabilities €1.20M
Equity
€448k ▲ 34.1%
Provisions
€2k
Debt
€751k ▲ 15.9%
Debt's share of the balance-sheet total falls from 66.0% to 62.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€261k▲
2024 · €210k
Cash flow
€212k▲
2024 · €170k
Current ratio
3.42▲
2024 · 2.80
Quick ratio
2.51▲
2024 · 2.15
Debt to equity
1.68▼
2024 · 1.94
ROE
23.9%▼
2024 · 28.1%
ROA
8.9%▼
2024 · 9.5%
Interest coverage
18.60▼
2024 · 23.74
Debt ≤ 1 year
€278k▼
2024 · €280k
Debt > 1 year
€204k▲
2024 · €119k
Income taxes
€43k▲
2024 · €33k
Staff costs
€823k▲
2024 · €571k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€982k€1.20M▲
Fixed assets21/28€198k€251k▲
Intangible fixed assets21€1k€0▼
Tangible fixed assets22/27€197k€251k▲
Plant, machinery and equipment23€115k€160k▲
Furniture and vehicles24€75k€63k▼
Other tangible fixed assets26€6k€29k▲
Current assets29/58€784k€950k▲
Stocks and contracts in progress3€181k€252k▲
Stocks30/36€181k€252k▲
Amounts receivable within one year40/41€159k€269k▲
Trade receivables40€159k€235k▲
Other amounts receivable41€381€34k▲
Current investments50/53€75k€153k▲
Cash at bank and in hand54/58€351k€239k▼
Deferred charges and accrued income490/1€18k€36k▲
Equity and liabilities
Total equity and liabilities10/49€982k€1.20M▲
Equity10/15€334k€448k▲
Contributions10/11€25k€25k=
Reserves13€282k€389k▲
Distributable reserves133€282k€389k▲
Profit (loss) carried forward14€27k€27k=
Investment grants15-€7k
Provisions and deferred taxes16-€2k
Deferred taxes168-€2k
Amounts payable17/49€648k€751k▲
Amounts payable after more than one year17€119k€204k▲
Financial debts170/4€119k€204k▲
Amounts payable within one year42/48€280k€278k▼
Current portion of amounts payable after more than one year42€76k€70k▼
Trade debts44€97k€101k▲
Suppliers440/4€97k€101k▲
Taxes, remuneration and social security45€102k€107k▲
Taxes450/3€44k€18k▼
Remuneration and social security454/9€57k€89k▲
Other amounts payable47/48€6k-
Accrued charges and deferred income492/3€249k€269k▲
Income statement
Code20242025
Remuneration, social security and pensions62€571k€823k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€104k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€784k€1.08M▲
Operating profit (loss)9901€135k€156k▲
Financial income75/76B€1k€8k▲
Recurring financial income75€1k€8k▲
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€127k€150k▲
Transfer from deferred taxes780-€250
Income taxes67/77€33k€43k▲
Profit (loss) for the period9904€94k€107k▲
Profit (loss) for the period to be appropriated9905€94k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€134k▲
Profit (loss) brought forward from the previous period14P€27k€27k=
Transfer to equity691/2€94k€107k▲
To other reserves6921€94k€107k▲
Social balance
Average headcount (FTE)90879.813.6▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €195k | €198k | €312k | €571k | €823k | ▲ 44.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €27k | €39k | €38k | €76k | €104k | ▲ 37.6% |
| Other operating charges640/8 | €2k | €958 | €863 | €2k | €1k | ▼ 43.5% |
| Gross operating margin9900 | €270k | €318k | €401k | €784k | €1.08M | ▲ 38.4% |
| Operating profit (loss)9901 | €47k | €80k | €50k | €135k | €156k | ▲ 16.0% |
| Financial income75/76B | €3k | €1k | €1k | €1k | €8k | ▲ 462% |
| Recurring financial income75 | €3k | €1k | €1k | €1k | €8k | ▲ 462% |
| Financial charges65/66B | €3k | €5k | €4k | €9k | €14k | ▲ 58.0% |
| Recurring financial charges65 | €3k | €5k | €4k | €9k | €14k | ▲ 58.0% |
| Profit (loss) for the period before taxes9903 | €47k | €77k | €47k | €127k | €150k | ▲ 17.9% |
| Transfer from deferred taxes780 | - | - | - | - | €250 | - |
| Income taxes67/77 | €19k | €21k | €14k | €33k | €43k | ▲ 28.8% |
| Profit (loss) for the period9904 | €27k | €55k | €33k | €94k | €107k | ▲ 14.3% |
| Profit (loss) for the period to be appropriated9905 | €27k | €55k | €33k | €94k | €107k | ▲ 14.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €473k | €562k | €583k | €982k | €1.20M | ▲ 22.3% |
| Fixed assets21/28 | €71k | €102k | €90k | €198k | €251k | ▲ 26.9% |
| Intangible fixed assets21 | €3k | €4k | €3k | €1k | €0 | ▼ 100% |
| Tangible fixed assets22/27 | €68k | €98k | €87k | €197k | €251k | ▲ 27.8% |
| Plant, machinery and equipment23 | €63k | €56k | €61k | €115k | €160k | ▲ 38.2% |
| Furniture and vehicles24 | €5k | €35k | €20k | €75k | €63k | ▼ 16.2% |
| Other tangible fixed assets26 | - | €7k | €6k | €6k | €29k | ▲ 352% |
| Current assets29/58 | €403k | €460k | €493k | €784k | €950k | ▲ 21.1% |
| Stocks and contracts in progress3 | €67k | €122k | €99k | €181k | €252k | ▲ 39.3% |
| Stocks30/36 | €67k | €122k | €99k | €181k | €252k | ▲ 39.3% |
| Amounts receivable within one year40/41 | €144k | €109k | €58k | €159k | €269k | ▲ 68.9% |
| Trade receivables40 | €140k | €103k | €48k | €159k | €235k | ▲ 47.6% |
| Other amounts receivable41 | €4k | €6k | €10k | €381 | €34k | ▲ 8,936% |
| Current investments50/53 | - | - | - | €75k | €153k | ▲ 104% |
| Cash at bank and in hand54/58 | €189k | €227k | €324k | €351k | €239k | ▼ 31.7% |
| Deferred charges and accrued income490/1 | €2k | €3k | €12k | €18k | €36k | ▲ 97.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €473k | €562k | €583k | €982k | €1.20M | ▲ 22.3% |
| Equity10/15 | €152k | €208k | €240k | €334k | €448k | ▲ 34.1% |
| Contributions10/11 | €25k | €25k | €25k | €25k | €25k | = |
| Reserves13 | €100k | €155k | €188k | €282k | €389k | ▲ 38.0% |
| Non-distributable reserves130/1 | €3k | €3k | - | - | - | - |
| Reserves not available under the articles1311 | €3k | €3k | - | - | - | - |
| Distributable reserves133 | €97k | €153k | €188k | €282k | €389k | ▲ 38.0% |
| Profit (loss) carried forward14 | €27k | €27k | €27k | €27k | €27k | = |
| Investment grants15 | - | - | - | - | €7k | - |
| Provisions and deferred taxes16 | - | - | - | - | €2k | - |
| Deferred taxes168 | - | - | - | - | €2k | - |
| Amounts payable17/49 | €321k | €355k | €342k | €648k | €751k | ▲ 15.9% |
| Amounts payable after more than one year17 | €77k | €105k | €64k | €119k | €204k | ▲ 71.8% |
| Financial debts170/4 | €77k | €105k | €64k | €119k | €204k | ▲ 71.8% |
| Amounts payable within one year42/48 | €153k | €165k | €145k | €280k | €278k | ▼ 0.9% |
| Current portion of amounts payable after more than one year42 | €29k | €50k | €45k | €76k | €70k | ▼ 8.1% |
| Trade debts44 | €74k | €76k | €34k | €97k | €101k | ▲ 4.9% |
| Suppliers440/4 | €74k | €76k | €34k | €97k | €101k | ▲ 4.9% |
| Taxes, remuneration and social security45 | €48k | €37k | €64k | €102k | €107k | ▲ 4.9% |
| Taxes450/3 | €25k | €9k | €34k | €44k | €18k | ▼ 60.2% |
| Remuneration and social security454/9 | €23k | €29k | €30k | €57k | €89k | ▲ 55.0% |
| Other amounts payable47/48 | €1k | €1k | €1k | €6k | - | - |
| Accrued charges and deferred income492/3 | €91k | €85k | €134k | €249k | €269k | ▲ 8.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €27k | €55k | €33k | €94k | €107k | ▲ 14.3% |
| + Depreciation and write-downs630 | €27k | €39k | €38k | €76k | €104k | ▲ 37.6% |
| Operating cash flow (approximation) | €54k | €94k | €71k | €170k | €212k | ▲ 24.7% |
| Investment in fixed assets (approximation) | - | €-70k | €-26k | €-184k | €-158k | ▲ 14.1% |
| Change in cash | - | €38k | €97k | €26k | €-111k | ▼ 521% |
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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €107k ▲14.3%
Operating result €156k, net result €107k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €208k ▲36.5%
5 profitable years in a row build equity to €208k.
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €152k ▲21.9%
4 profitable years in a row build equity to €152k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €125k ▲152%
3 profitable years in a row build equity to €125k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
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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Directors · office · real estate
Directors
3 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, Heusden-Zolder · 1 establishment unit since 2016
Ground area
1,329 m²
Building footprint
1,058 m²
Volume, LiDAR
6,755 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Intopia BV
since 20162.250.498.087
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037A1336/00F000 | Flanders | 666 m² | 1 · 921 m² | 8.8 m · 2 fl. |
| 71065A0844/00V000 | Flanders | 663 m² | 1 · 137 m² | 5.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 9 entries · 62,305 EUR awarded · 62,305 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 10,032 EUR | 35,032 EUR |
| 2024 | 2 | 1,470 EUR | 26,470 EUR |
| 2023 | 2 | 50,386 EUR | 386 EUR |
| 2022 | 1 | 417 EUR | 417 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies voor internationaal ondernemen
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
2549002XQ5LZSDDPVI91
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GAMMA IMMOBILIERE
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BE 0426.955.990
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ARTS & CRAFTS
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 9,658 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
Founded21-01-2016
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
43221Plumbing work
43320Joinery installation
43410Roofing work
Contact
Website
www.intopia.beLummen
E-mail
info@intopia.beLummen
Scores and ratios are computed by Checked and are not a credit decision.