INTRO
ActiveSummary
INTRO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €-34k. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 27% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-16
Solvency48▼-5
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.72 in 2024; short-term debt: 40.7% and cash: 2.1% of total assets), but 77.1% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
22.9%
Return on assets
-11.8%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
36 d early
2023
21 d early
2022
7 d late
2021
61 d early
2020
15 d early
2019
12 d late
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€65k▼ 34.1%
2024 · €98k
2018: €188k
2019: €154k
2020: €131k
2021: €121k
2022: €113k
2023: €96k
2024: €98k
2018 → 2025
Total assets
€284k▼ 19.8%
2024 · €353k
2018: €479k
2019: €453k
2020: €404k
2021: €376k
2022: €363k
2023: €363k
2024: €353k
2018 → 2025
Net result
€-34k
2024 · €2k
2018: €-24k
2019: €-34k
2020: €-23k
2021: €-10k
2022: €-8k
2023: €-17k
2024: €2k
2018 → 2025
Working capital
€166k▼ 25.4%
2024 · €223k
2018: €441k
2019: €385k
2020: €341k
2021: €310k
2022: €281k
2023: €243k
2024: €223k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€121k-€113k▼ 6.3%€96k▼ 14.9%€98k▲ 2.2%€65k▼ 34.1%
Operating result€-6k-€4k€-20k€-1k▲ 92.6%€-31k▼ 2,019%
Net result€-10k-€-8k▲ 25.4%€-17k▼ 121%€2k€-34k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €31k in 2025 against €1k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €284k
Fixed assets
€2k ▲ 30.5%
Current assets
€282k ▼ 20.0%
Equity and liabilities €284k
Equity
€65k ▼ 34.1%
Debt
€219k ▼ 14.2%
Debt's share of the balance-sheet total rises from 72.2% to 77.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-31k▼
2024 · €-1k
Cash flow
€-33k▼
2024 · €2k
Current ratio
2.44▼
2024 · 2.72
Quick ratio
2.40▼
2024 · 2.69
Debt to equity
3.37▲
2024 · 2.59
ROE
-51.6%▼
2024 · 2.2%
ROA
-11.8%▼
2024 · 0.6%
Interest coverage
-6.69▼
2024 · -0.43
Debt ≤ 1 year
€116k▼
2024 · €129k
Debt > 1 year
€103k▼
2024 · €126k
Income taxes
€211▲
2024 · €197
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€353k€284k▼
Fixed assets21/28€2k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€330€330=
Current assets29/58€352k€282k▼
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€16k€847▼
Trade receivables40€14k-
Other amounts receivable41€2k€847▼
Current investments50/53€332k€271k▼
Cash at bank and in hand54/58€94€6k▲
Deferred charges and accrued income490/1€841-
Equity and liabilities
Total equity and liabilities10/49€353k€284k▼
Equity10/15€98k€65k▼
Contributions10/11€390k€390k=
Reserves13€113€113=
Non-distributable reserves130/1€113€113=
Reserves not available under the articles1311€113€113=
Profit (loss) carried forward14€-291k€-325k▼
Amounts payable17/49€255k€219k▼
Amounts payable after more than one year17€126k€103k▼
Financial debts170/4€126k€103k▼
Amounts payable within one year42/48€129k€116k▼
Current portion of amounts payable after more than one year42€36k€23k▼
Financial debts43-€9k
Credit institutions430/8-€9k
Trade debts44€19k€5k▼
Suppliers440/4€19k€5k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€116€211▲
Taxes450/3€116€211▲
Other amounts payable47/48€75k€78k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€215€504▲
Other operating charges640/8€2k€10k▲
Gross operating margin9900€1k€-21k▼
Operating profit (loss)9901€-1k€-31k▼
Financial income75/76B€7k€3k▼
Recurring financial income75€7k€3k▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€2k€-33k▼
Income taxes67/77€197€211▲
Profit (loss) for the period9904€2k€-34k▼
Profit (loss) for the period to be appropriated9905€2k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-291k€-325k▼
Profit (loss) brought forward from the previous period14P€-294k€-291k▲
The notes to these accounts (12 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 6 loss-making years.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Weakest financial yearnet €-34k
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Hasselt · 1 establishment unit since 1990
Ground area
180 m²
Building footprint
88 m²
Volume, LiDAR
727 m³
Parcel 71327G0648/00L002, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INTRO BVBA
since 19902.050.090.248
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0648/00L002 | Flanders | 180 m² | 1 · 88 m² | 12.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,862 companies in sector 73110 we hold annual accounts for 3,753. 3,026 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 (pre-2019)
Founded04-10-1990
Fiscal year end31-12
Activities, NACEBEL 2025
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.