NAMURINTER
ActiveSummary
NAMURINTER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€536,801) and a net result of -€991,766. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-5
Solvency6▼-32
Growth34▼-19
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.45 against 0.82 in 2024; short-term debt: 39.1% and cash: 6.3% of total assets), and equity is negative.
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Signals
Seven 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-18.8%
Return on assets
-34.7%
Age of the figures
9 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€536,801
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
50 d late
2024
50 d late
2023
30 d late
2022
30 d late
2021
119 d late
2020
30 d late
2019
91 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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€12.8m▼ 21.5%
2024 · €16.3m
EBIT margin
-6.5%▼ 3.8pp
2024 · -2.8%
Net result
-€991,766▼ 73.4%
2024 · -€571,962
Working capital
€501,708
2024 · -€473,544
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€14.5m▲ 9.6%€16.0m▲ 10.3%€17.4m▲ 8.7%€16.3m▼ 6.2%€12.8m▼ 21.5%
Operating result€484,687▼ 1.8%-€15,611-€32,180▼ 106%-€449,000▼ 1,295%-€839,337▼ 86.9%
Net result€297,947▼ 14.7%-€51,652-€74,348▼ 43.9%-€571,962▼ 669%-€991,766▼ 73.4%
EBIT margin3.3%▼ 0.4pp-0.1%▼ 3.4pp-0.2%▼ 0.1pp-2.8%▼ 2.6pp-6.5%▼ 3.8pp
Equity€1.2m▲ 34.8%€1.1m▼ 4.5%€1.0m▼ 6.8%€454,965▼ 55.7%-€536,801
Total assets€2.6m▲ 12.4%€2.6m▲ 0.9%€3.0m▲ 14.3%€3.5m▲ 17.3%€2.9m▼ 19.2%
Debt€1.5m▼ 0.7%€1.5m▲ 5.2%€2.0m▲ 29.3%€3.1m▲ 55.0%€3.4m▲ 10.2%
Working capital€896,436▲ 77.4%€291,069▼ 67.5%€203,753▼ 30.0%-€473,544€501,708
Staff (FTE)23.8▲ 1.3%25.6▲ 7.6%29.7▲ 16.0%26.4▼ 11.1%28.5▲ 8.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €839,337 in 2025 against €449,000 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 €2.9m
Fixed assets
€1.2m ▼ 8.0%
Current assets
€1.6m ▼ 25.9%
Key figures and ratios
EBITDA
-€625,604▼
2024 · -€250,548
Cash flow
-€778,033▼
2024 · -€373,510
Solvency
-18.8%▼
2024 · 12.9%
Current ratio
1.45▲
2024 · 0.82
Quick ratio
0.99▲
2024 · 0.60
Debt to equity
-6.32▼
2024 · 6.77
ROA
-34.7%▼
2024 · -16.2%
Interest coverage
-4.15▼
2024 · -2.29
Debt ≤ 1 year
€1.1m▼
2024 · €2.7m
Debt > 1 year
€2.3m▲
2024 · €419,175
Income taxes
€240▼
2024 · €3,245
Staff costs
€1.1m▼
2024 · €1.3m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €14.5m | €16.0m | €17.4m | €16.3m | €12.8m | ▼ 21.5% |
| Non-recurring operating income76A | €610 | €1,497 | €0 | €780 | €19,105 | ▲ 2,349% |
| Goods, raw materials, services and sundry goods60/61 | €12.9m | €14.9m | €16.3m | €15.6m | €12.6m | ▼ 19.5% |
| Remuneration, social security and pensions62 | €818,592 | €880,456 | €1.1m | €1.3m | €1.1m | ▼ 11.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €267,325 | €195,523 | €192,858 | €198,452 | €213,733 | ▲ 7.7% |
| Other operating charges640/8 | €47,094 | €64,648 | €69,770 | €80,561 | €108,553 | ▲ 34.7% |
| Non-recurring operating charges66A | €2,303 | €10,559 | €8,814 | €0 | €510 | - |
| Gross operating margin9900 | €1.6m | €1.1m | €1.4m | €1.1m | €590,980 | ▼ 45.4% |
| Operating profit (loss)9901 | €484,687 | -€15,611 | -€32,180 | -€449,000 | -€839,337 | ▼ 86.9% |
| Financial income75/76B | €25,961 | €31,255 | €82,360 | €22,123 | €18,599 | ▼ 15.9% |
| Recurring financial income75 | €25,961 | €31,255 | €82,360 | €22,123 | €18,599 | ▼ 15.9% |
| Financial charges65/66B | €58,927 | €64,221 | €124,528 | €141,839 | €170,788 | ▲ 20.4% |
| Recurring financial charges65 | €58,927 | €64,221 | €114,552 | €109,588 | €150,658 | ▲ 37.5% |
| Non-recurring financial charges66B | - | - | €9,976 | €32,251 | €20,130 | ▼ 37.6% |
| Profit (loss) for the period before taxes9903 | €451,721 | -€48,577 | -€74,348 | -€568,716 | -€991,526 | ▼ 74.3% |
| Income taxes67/77 | €153,774 | €3,075 | €0 | €3,245 | €240 | ▼ 92.6% |
| Profit (loss) for the period9904 | €297,947 | -€51,652 | -€74,348 | -€571,962 | -€991,766 | ▼ 73.4% |
| Transfer from tax-exempt reserves789 | €71,200 | - | - | - | €76,833 | - |
| Transfer to tax-exempt reserves689 | €76,833 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €292,314 | -€51,652 | -€74,348 | -€571,962 | -€914,934 | ▼ 60.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.6m | €2.6m | €3.0m | €3.5m | €2.9m | ▼ 19.2% |
| Formation expenses20 | €0 | €13,129 | €6,194 | €6,270 | €1,398 | ▼ 77.7% |
| Fixed assets21/28 | €887,013 | €1.3m | €1.4m | €1.3m | €1.2m | ▼ 8.0% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €863,099 | €762,646 | €856,651 | €802,291 | €686,742 | ▼ 14.4% |
| Land and buildings22 | €292,137 | €279,701 | €442,327 | €376,313 | €323,369 | ▼ 14.1% |
| Plant, machinery and equipment23 | €541,130 | €445,729 | €371,465 | €327,897 | €258,675 | ▼ 21.1% |
| Furniture and vehicles24 | €29,668 | €37,217 | €42,859 | €98,081 | €104,698 | ▲ 6.7% |
| Leasing and similar rights25 | €0 | €0 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | €164 | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €23,915 | €530,013 | €532,695 | €539,584 | €548,398 | ▲ 1.6% |
| Current assets29/58 | €1.7m | €1.3m | €1.6m | €2.2m | €1.6m | ▼ 25.9% |
| Stocks and contracts in progress3 | €609,213 | €610,771 | €557,979 | €600,903 | €509,647 | ▼ 15.2% |
| Stocks30/36 | €609,213 | €610,771 | €557,979 | €600,903 | €509,647 | ▼ 15.2% |
| Amounts receivable within one year40/41 | €199,519 | €386,718 | €426,295 | €1.1m | €895,552 | ▼ 22.1% |
| Trade receivables40 | €137,067 | €117,529 | €226,815 | €704,257 | €688,860 | ▼ 2.2% |
| Other amounts receivable41 | €62,452 | €269,190 | €199,481 | €445,001 | €206,692 | ▼ 53.6% |
| Cash at bank and in hand54/58 | €898,111 | €322,327 | €591,377 | €401,760 | €179,051 | ▼ 55.4% |
| Deferred charges and accrued income490/1 | €20,198 | €12,202 | €42,754 | €33,988 | €34,703 | ▲ 2.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.6m | €2.6m | €3.0m | €3.5m | €2.9m | ▼ 19.2% |
| Equity10/15 | €1.2m | €1.1m | €1.0m | €454,965 | -€536,801 | ▼ 218% |
| Contributions10/11 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Capital10 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Issued capital100 | €150,000 | €150,000 | €150,000 | €150,000 | €150,000 | = |
| Reserves13 | €159,368 | €159,368 | €159,368 | €159,368 | €159,368 | = |
| Non-distributable reserves130/1 | €11,336 | €11,336 | €11,336 | €11,336 | €11,336 | = |
| Legal reserve130 | €11,336 | €11,336 | €11,336 | €11,336 | €11,336 | = |
| Tax-exempt reserves132 | €76,833 | €76,833 | €76,833 | €76,833 | - | - |
| Distributable reserves133 | €71,200 | €71,200 | €71,200 | €71,200 | €148,033 | ▲ 108% |
| Profit (loss) carried forward14 | €843,558 | €791,906 | €717,558 | €145,596 | -€846,170 | ▼ 681% |
| Amounts payable17/49 | €1.5m | €1.5m | €2.0m | €3.1m | €3.4m | ▲ 10.2% |
| Amounts payable after more than one year17 | €624,283 | €495,583 | €563,446 | €419,175 | €2.3m | ▲ 443% |
| Financial debts170/4 | €618,283 | €489,583 | €557,446 | €413,175 | €2.3m | ▲ 449% |
| Other amounts payable178/9 | €6,000 | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Amounts payable within one year42/48 | €830,604 | €1.0m | €1.4m | €2.7m | €1.1m | ▼ 58.0% |
| Current portion of amounts payable after more than one year42 | €150,217 | €139,117 | €142,725 | €143,539 | €179,027 | ▲ 24.7% |
| Trade debts44 | €568,165 | €796,535 | €1.2m | €2.4m | €824,606 | ▼ 65.5% |
| Suppliers440/4 | €568,165 | €796,535 | €1.2m | €2.4m | €824,606 | ▼ 65.5% |
| Taxes, remuneration and social security45 | €93,972 | €105,297 | €115,909 | €126,470 | €113,611 | ▼ 10.2% |
| Taxes450/3 | - | - | €40 | €2,559 | €240 | ▼ 90.6% |
| Remuneration and social security454/9 | €93,972 | €105,297 | €115,870 | €123,911 | €113,371 | ▼ 8.5% |
| Other amounts payable47/48 | €18,250 | €0 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €6,240 | - | €8,920 | €462 | €927 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €297,947 | -€51,652 | -€74,348 | -€571,962 | -€991,766 | ▼ 73.4% |
| + Depreciation and write-downs630 | €267,325 | €195,523 | €192,858 | €198,452 | €213,733 | ▲ 7.7% |
| Operating cash flow (approximation) | €565,271 | €143,871 | €118,510 | -€373,510 | -€778,033 | ▼ 108% |
| Investment in fixed assets (approximation) | - | -€601,169 | -€289,544 | -€150,982 | -€106,997 | ▲ 29.1% |
| Change in cash | - | -€575,784 | €269,051 | -€189,617 | -€222,709 | ▼ 17.5% |
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
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 50 days late
2025
31-12
Financial
Weakest financial yearnet -€991,766
Net result drops to -€991,766, the lowest in the series.
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 50 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
27-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 119 days late
2021
31-12
Financial
Equity above €1mEq €1.2m ▲34.8%
4 profitable years in a row build equity to €1.2m.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €349,388 ▲69.8%
Operating result €493,518, net result €349,388, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Equity above €500,000Eq €505,592 ▲68.6%
2 profitable years in a row build equity to €505,592.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Namur · 1 establishment unit since 2008
Ground area
1,568 m²
Building footprint
375 m²
Volume, LiDAR
4,497 m³
Parcel 92108B0319/00E002, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Namurinter
since 20082.173.722.191
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92108B0319/00E002 | Wallonia | 1,568 m² | 1 · 375 m² | 14.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.173.722.191
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Of 10,506 companies in sector 47110 we hold annual accounts for 5,849. 3,268 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded28-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
Scores and ratios are computed by Checked and are not a credit decision.