Summary
INTRALECT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €886,687 and a net result of €163,922. Equity remains stable across the filed financial years (±0.2% per year). Its solvency ranks better than 74% of 9,728 sector peers (NACE 64, financial year 2025). The company has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Activities of holding companies
NACE 64210
1 site
Size
€1.2mtotal assets 2025
- Equity
- €886,687
- Profit
- €163,922
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
2025 accounts 30 days early2 deeds in the Belgian Official Gazette
SignalsneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
neutral
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 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 days early
2024
41 days early
2023
8 days early
2022
23 days early
2021
9 days late
2020
50 days early
2019
44 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 27 days before the deadline; the sector median (NACE 64) for financial year 2024 is 14 days before the deadline, and 28% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 7 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end27-10-2026 today30-04-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- General meeting · Director resignationPermanent representative · Director appointment
Financials · financial year 2025, micro format
Equity
€886,687▼ 0.2%
2024 · €888,246
Net result
€163,922▲ 23.7%
2024 · €132,526
Total assets
€1.2m▲ 11.7%
2024 · €1.0m
Solvency
76.2%▼ 9.1pp
2024 · 85.3%
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 24% above 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.2m
2025
Net result€0.2m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.2m
2025
Equity€0.9m
2025
Debt€0.3m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€0.1m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)14.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency76.2%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.48
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. 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 financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€0.2m-€0.2m▼ 13.5%€0.3m▲ 73.1%€0.1m▼ 53.1%€0.2m▲ 37.7%€0.2m▲ 7.6%€0.2m▲ 24.3%
Net result€0.1m-€0.1mabove the sector's middle half▼ 11.2%€0.2mabove the sector's middle half▲ 93.0%€0.09mabove the sector's middle half▼ 55.2%€0.1mabove the sector's middle half▲ 29.6%€0.1mabove the sector's middle half▲ 10.5%€0.2mabove the sector's middle half▲ 23.7%
Equity€0.8m-€0.9mabove the sector's middle half▲ 13.4%€1.0mabove the sector's middle half▲ 7.1%€0.8mabove the sector's middle half▼ 19.2%€0.9mabove the sector's middle half▲ 15.2%€0.9mabove the sector's middle half▼ 2.0%€0.9mabove the sector's middle half▼ 0.2%
Total assets€0.9m-€1.0mabove the sector's middle half▲ 14.2%€1.1mabove the sector's middle half▲ 17.2%€1.0mabove the sector's middle half▼ 8.6%€1.1mabove the sector's middle half▲ 5.9%€1.0mabove the sector's middle half▼ 6.3%€1.2mabove the sector's middle half▲ 11.7%
Debt€0.06m-€0.07m▲ 26.1%€0.2m▲ 146%€0.3m▲ 50.5%€0.2m▼ 21.9%€0.2m▼ 25.3%€0.3m▲ 80.8%
Working capital€0.3m-€0.4mabove the sector's middle half▲ 20.0%€0.4mabove the sector's middle half▲ 8.1%€0.1mwithin the sector's middle half▼ 77.7%€0.1mwithin the sector's middle half▲ 46.7%€0.1mwithin the sector's middle half▼ 22.2%€0.1mwithin the sector's middle half▲ 7.9%
Solvency93.5%-92.8%above the sector's middle half▼ 0.7pp84.8%above the sector's middle half▼ 8.0pp75.0%within the sector's middle half▼ 9.8pp81.6%above the sector's middle half▲ 6.6pp85.3%above the sector's middle half▲ 3.7pp76.2%within the sector's middle half▼ 9.1pp
Current ratio7.42-6.95above the sector's middle half▼ 0.475.26above the sector's middle half▼ 1.691.91within the sector's middle half▼ 3.342.46within the sector's middle half▲ 0.552.17within the sector's middle half▼ 0.291.48within the sector's middle half▼ 0.69
Return on assets (ROA)14.1%-10.9%within the sector's middle half▼ 3.1pp18.0%within the sector's middle half▲ 7.1pp8.8%within the sector's middle half▼ 9.2pp10.8%within the sector's middle half▲ 2.0pp12.7%within the sector's middle half▲ 1.9pp14.1%within the sector's middle half▲ 1.4pp
Staff (FTE)2.2-
above
within
below
the middle half of NACE 64, Financial service activities, except insurance and pension funding: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.2m
Fixed assets
€785,029 ▼ 5.5%
Current assets
€378,295 ▲ 79.9%
Equity and liabilities €1.2m
Equity
€886,687 ▼ 0.2%
Debt
€276,637 ▲ 80.8%
Debt's share of the balance-sheet total rises from 14.7% to 23.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
18.5%▲
2024 · 14.9%
Debt ≤ 1 year
€255,887▲
2024 · €96,870
Debt > 1 year
€12,729▼
2024 · €49,907
Income taxes
€70,615▲
2024 · €58,823
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €53,103 | €51,406 | €50,586 | €79,379 | €44,280 | €50,844 | €51,393 | ▲ 1.1% |
| Other operating charges640/8 | - | - | €3,776 | €5,318 | €10,742 | €4,289 | €4,866 | ▲ 13.5% |
| Non-recurring operating charges66A | - | - | €4,245 | €0 | - | - | - | - |
| Gross operating margin9900 | €354,955 | €211,668 | €331,465 | €212,788 | €231,340 | €244,764 | €292,024 | ▲ 19.3% |
| Operating profit (loss)9901 | €182,322 | €157,673 | €272,858 | €128,092 | €176,319 | €189,631 | €235,766 | ▲ 24.3% |
| Financial income75/76B | - | - | €28,274 | €12,546 | €1,570 | €5,091 | €2,965 | ▼ 41.8% |
| Recurring financial income75 | €1,994 | €3,404 | €3,274 | €12,546 | €1,570 | €5,091 | €2,965 | ▼ 41.8% |
| Non-recurring financial income76B | - | - | €25,000 | €0 | - | - | - | - |
| Financial charges65/66B | - | - | €2,954 | €5,370 | €4,901 | €3,374 | €4,193 | ▲ 24.3% |
| Recurring financial charges65 | €2,568 | €2,231 | €2,954 | €5,370 | €4,901 | €3,374 | €4,193 | ▲ 24.3% |
| Profit (loss) for the period before taxes9903 | €181,748 | €158,846 | €298,177 | €135,268 | €172,988 | €191,348 | €234,537 | ▲ 22.6% |
| Income taxes67/77 | €61,214 | €51,810 | €91,623 | €42,802 | €53,108 | €58,823 | €70,615 | ▲ 20.0% |
| Profit (loss) for the period9904 | €120,535 | €107,036 | €206,554 | €92,466 | €119,880 | €132,526 | €163,922 | ▲ 23.7% |
| Transfer from tax-exempt reserves789 | - | - | €1,450 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €120,535 | €107,036 | €208,004 | €92,466 | €119,880 | €132,526 | €163,922 | ▲ 23.7% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €0.9m | €1.0m | €1.1m | €1.0m | €1.1m | €1.0m | €1.2m | ▲ 11.7% |
| Fixed assets21/28 | €0.5m | €0.5m | €0.6m | €0.8m | €0.9m | €0.8m | €0.8m | ▼ 5.5% |
| Tangible fixed assets22/27 | €0.5m | €0.5m | €0.6m | €0.8m | €0.9m | €0.8m | €0.8m | ▼ 5.5% |
| Land and buildings22 | - | - | €0.6m | €0.8m | €0.8m | €0.8m | €0.8m | ▼ 5.2% |
| Plant, machinery and equipment23 | - | - | - | - | €0.001m | €0.003m | €0.007m | ▲ 179% |
| Furniture and vehicles24 | - | - | €0.003m | €0.02m | €0.04m | €0.03m | €0.02m | ▼ 30.5% |
| Current assets29/58 | €0.4m | €0.5m | €0.6m | €0.2m | €0.2m | €0.2m | €0.4m | ▲ 79.9% |
| Amounts receivable within one year40/41 | €0.01m | €0.01m | €217 | €0.003m | €0.003m | €0 | - | - |
| Trade receivables40 | - | - | €217 | €0.003m | €0.003m | €0 | - | - |
| Other amounts receivable41 | - | - | €0 | - | - | - | - | - |
| Current investments50/53 | €0.2m | €0.3m | €0.3m | €0.04m | €0.2m | €0.09m | €0.3m | ▲ 185% |
| Cash at bank and in hand54/58 | €0.2m | €0.2m | €0.3m | €0.2m | €0.04m | €0.1m | €0.1m | ▼ 6.7% |
| Deferred charges and accrued income490/1 | - | - | €0 | - | €0.01m | €0.004m | €0.004m | ▲ 2.7% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €0.9m | €1.0m | €1.1m | €1.0m | €1.1m | €1.0m | €1.2m | ▲ 11.7% |
| Equity10/15 | €0.8m | €0.9m | €1.0m | €0.8m | €0.9m | €0.9m | €0.9m | ▼ 0.2% |
| Contributions10/11 | €0.1m | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | €0.7m | €0.8m | €0.9m | €0.7m | €0.8m | €0.8m | €0.8m | ▼ 0.2% |
| Tax-exempt reserves132 | - | - | €0 | - | - | - | - | - |
| Distributable reserves133 | - | - | €0.9m | €0.7m | €0.8m | €0.8m | €0.8m | ▼ 0.2% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €0.06m | €0.07m | €0.2m | €0.3m | €0.2m | €0.2m | €0.3m | ▲ 80.8% |
| Amounts payable after more than one year17 | - | - | €0.07m | €0.2m | €0.1m | €0.05m | €0.01m | ▼ 74.5% |
| Financial debts170/4 | - | - | €0.07m | €0.2m | €0.1m | €0.05m | €0.01m | ▼ 74.5% |
| Amounts payable within one year42/48 | €0.05m | €0.07m | €0.1m | €0.1m | €0.1m | €0.1m | €0.3m | ▲ 164% |
| Current portion of amounts payable after more than one year42 | - | - | €0.02m | €0.05m | €0.05m | €0.05m | €0.04m | ▼ 26.3% |
| Financial debts43 | - | - | €0.008m | €0.008m | €0.01m | €0.01m | €0.01m | = |
| Credit institutions430/8 | - | - | €0.008m | €0.008m | €0.01m | €0.01m | €0.01m | = |
| Trade debts44 | €0.005m | €0.02m | €0.02m | €0.007m | €0.01m | €0.008m | €0.01m | ▲ 26.3% |
| Suppliers440/4 | - | - | €0.02m | €0.007m | €0.01m | €0.008m | €0.01m | ▲ 26.3% |
| Taxes, remuneration and social security45 | - | - | €0.02m | €0.01m | €0.003m | €0.007m | €0.03m | ▲ 278% |
| Taxes450/3 | - | - | €0.02m | €0.01m | €0.003m | €0.007m | €0.03m | ▲ 278% |
| Remuneration and social security454/9 | - | - | - | - | €0.001m | €0 | - | - |
| Other amounts payable47/48 | - | - | €0.03m | €0.03m | €0.02m | €0.02m | €0.2m | ▲ 814% |
| Accrued charges and deferred income492/3 | - | - | €0.002m | €0.003m | €0.005m | €0.006m | €0.008m | ▲ 28.5% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €120,535 | €107,036 | €206,554 | €92,466 | €119,880 | €132,526 | €163,922 | ▲ 23.7% |
| + Depreciation and write-downs630 | €53,103 | €51,406 | €50,586 | €79,379 | €44,280 | €50,844 | €51,393 | ▲ 1.1% |
| Operating cash flow (approximation) | €173,638 | €158,442 | €257,140 | €171,845 | €164,159 | €183,369 | €215,315 | ▲ 17.4% |
| Investment in fixed assets (approximation) | - | -€88,454 | -€149,723 | -€324,615 | -€69,069 | -€16,729 | -€5,440 | ▲ 67.5% |
| Change in cash | - | €57,074 | €57,592 | -€113,192 | -€123,916 | €73,989 | -€7,544 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 23 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 30-09-2025 | micro format | 31-03-2026 | 2026-00067751 |
| 30-09-2024 | micro format | 20-03-2025 | 2025-00054059 |
| 30-09-2023 | micro format | 22-04-2024 | 2024-00067223 |
| 30-09-2022 | micro format | 07-04-2023 | 2023-00057392 |
| 30-09-2021 | micro format | 09-05-2022 | 2022-20023592 |
| 30-09-2020 | micro format | 11-03-2021 | 2021-07600270 |
| 30-09-2019 | micro format | 17-03-2020 | 2020-07000119 |
| 30-09-2018 | micro format | 14-03-2019 | 2019-07200421 |
| 30-09-2017 | micro format | 09-03-2018 | 2018-06600532 |
| 30-09-2016 | abbreviated format | 21-03-2017 | 2017-06900387 |
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Of the 24,459 active companies whose main activity is activities of holding companies (NACE 64210), figures are known for 20,049. 13,001 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 · 1 entry · €134 awarded · €134 paidPublic contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
No directors read yet: 0 of 2 Gazette acts processed. See the directors and other office holders in the KBO →
Owners and capital
Owners
No owners or capital events in the accounts and acts we read.
History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
31-03
NBB filing
Annual accounts filed
financial year 2025 · micro format
2025
20-03
NBB filing
Annual accounts filed
financial year 2024 · micro format
2024
19-12
Gazette deed
General meeting · Director resignation
Permanent representative · Director appointment
22-04
NBB filing
Annual accounts filed
financial year 2023 · micro format
05-01
Gazette deed
General meeting · Amendment of the articles
Capital conversion · Reserve release
2023
07-04
NBB filing
Annual accounts filed
financial year 2022 · micro format
2022
30-09
Financial
Weakest financial yearnet €92,466 ▼55.2%
Net result drops to €92,466, the lowest in the series; recovery starts the following year.
09-05
NBB filing
Annual accounts filed
financial year 2021 · micro format · 9 days late
2021
30-09
Financial
Highest result from 2019 to 2025net €206,554 ▲93%
Operating result €272,858, net result €206,554, both a record.
11-03
NBB filing
Annual accounts filed
financial year 2020 · micro format
2020
17-03
NBB filing
Annual accounts filed
financial year 2019 · micro format
2019
14-03
NBB filing
Annual accounts filed
financial year 2018 · micro format
2018
09-03
NBB filing
Annual accounts filed
financial year 2017 · micro format
2017
21-03
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 23 annual accounts filed, the latest 10 are here; all 23 are under Financials.
0 of 2 deeds read
About the unread acts
We know of 2 Belgian Official 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
Founded25-03-2002
Financial year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
66191Agents and brokers in banking services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0477113207
Registered
21-10-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 27 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Legal Entity Identifier
984500CFAC538A6HG706
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Sint-Niklaas · 1 establishment unit since 2002
Ground area
2,493 m²
Building footprint
178 m²
Building volume
1,093 m³
Parcel 46019B0315/00R000, Flanders · tallest building 10.7 m. Linked by address, not a title deed.
1 establishment unit
Hulstbaan 116, 9112 Sint-Niklaas
since 2002unit no. 2.100.552.717
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46019B0315/00R000 | Flanders | 2,493 m² | 1 · 178 m² | 10.7 m · 2 |
How the parcels are linked
Good to know
The parcel matches the address exactly.