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 (€-537k) and a net result of €-992k. 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.
Credit check for your own amount and term
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 €-537k
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€12.82M▼ 21.5%
2024 · €16.32M
EBIT margin
-6.5%▼ 3.8pp
2024 · -2.8%
Net result
€-992k▼ 73.4%
2024 · €-572k
Working capital
€502k
2024 · €-474k
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€14.51M▲ 9.6%€16.01M▲ 10.3%€17.41M▲ 8.7%€16.32M▼ 6.2%€12.82M▼ 21.5%
Operating result€485k▼ 1.8%€-16k€-32k▼ 106%€-449k▼ 1,295%€-839k▼ 86.9%
Net result€298k▼ 14.7%€-52k€-74k▼ 43.9%€-572k▼ 669%€-992k▼ 73.4%
EBIT margin3.3%▼ 0.4pp-0.1%▼ 3.4pp-0.2%▼ 0.1pp-2.8%▼ 2.6pp-6.5%▼ 3.8pp
Equity€1.15M▲ 34.8%€1.10M▼ 4.5%€1.03M▼ 6.8%€455k▼ 55.7%€-537k
Total assets€2.61M▲ 12.4%€2.64M▲ 0.9%€3.01M▲ 14.3%€3.53M▲ 17.3%€2.86M▼ 19.2%
Debt€1.46M▼ 0.7%€1.54M▲ 5.2%€1.99M▲ 29.3%€3.08M▲ 55.0%€3.39M▲ 10.2%
Working capital€896k▲ 77.4%€291k▼ 67.5%€204k▼ 30.0%€-474k€502k
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 €839k in 2025 against €449k 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 €2.85M
Fixed assets
€1.24M ▼ 8.0%
Current assets
€1.62M ▼ 25.9%
Key figures and ratios
EBITDA
€-626k▼
2024 · €-251k
Cash flow
€-778k▼
2024 · €-374k
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
€1.12M▼
2024 · €2.66M
Debt > 1 year
€2.27M▲
2024 · €419k
Income taxes
€240▼
2024 · €3k
Staff costs
€1.11M▼
2024 · €1.25M
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 | €14.51M | €16.01M | €17.41M | €16.32M | €12.82M | ▼ 21.5% |
| Non-recurring operating income76A | €610 | €1k | €0 | €780 | €19k | ▲ 2,349% |
| Goods, raw materials, services and sundry goods60/61 | €12.91M | €14.89M | €16.27M | €15.61M | €12.56M | ▼ 19.5% |
| Remuneration, social security and pensions62 | €819k | €880k | €1.12M | €1.25M | €1.11M | ▼ 11.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €267k | €196k | €193k | €198k | €214k | ▲ 7.7% |
| Other operating charges640/8 | €47k | €65k | €70k | €81k | €109k | ▲ 34.7% |
| Non-recurring operating charges66A | €2k | €11k | €9k | €0 | €510 | - |
| Gross operating margin9900 | €1.62M | €1.14M | €1.36M | €1.08M | €591k | ▼ 45.4% |
| Operating profit (loss)9901 | €485k | €-16k | €-32k | €-449k | €-839k | ▼ 86.9% |
| Financial income75/76B | €26k | €31k | €82k | €22k | €19k | ▼ 15.9% |
| Recurring financial income75 | €26k | €31k | €82k | €22k | €19k | ▼ 15.9% |
| Financial charges65/66B | €59k | €64k | €125k | €142k | €171k | ▲ 20.4% |
| Recurring financial charges65 | €59k | €64k | €115k | €110k | €151k | ▲ 37.5% |
| Non-recurring financial charges66B | - | - | €10k | €32k | €20k | ▼ 37.6% |
| Profit (loss) for the period before taxes9903 | €452k | €-49k | €-74k | €-569k | €-992k | ▼ 74.3% |
| Income taxes67/77 | €154k | €3k | €0 | €3k | €240 | ▼ 92.6% |
| Profit (loss) for the period9904 | €298k | €-52k | €-74k | €-572k | €-992k | ▼ 73.4% |
| Transfer from tax-exempt reserves789 | €71k | - | - | - | €77k | - |
| Transfer to tax-exempt reserves689 | €77k | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €292k | €-52k | €-74k | €-572k | €-915k | ▼ 60.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.61M | €2.64M | €3.01M | €3.53M | €2.86M | ▼ 19.2% |
| Formation expenses20 | €0 | €13k | €6k | €6k | €1k | ▼ 77.7% |
| Fixed assets21/28 | €887k | €1.29M | €1.39M | €1.34M | €1.24M | ▼ 8.0% |
| Intangible fixed assets21 | €0 | €0 | €0 | €0 | €0 | - |
| Tangible fixed assets22/27 | €863k | €763k | €857k | €802k | €687k | ▼ 14.4% |
| Land and buildings22 | €292k | €280k | €442k | €376k | €323k | ▼ 14.1% |
| Plant, machinery and equipment23 | €541k | €446k | €371k | €328k | €259k | ▼ 21.1% |
| Furniture and vehicles24 | €30k | €37k | €43k | €98k | €105k | ▲ 6.7% |
| Leasing and similar rights25 | €0 | €0 | €0 | €0 | €0 | - |
| Other tangible fixed assets26 | €164 | €0 | €0 | €0 | €0 | - |
| Financial fixed assets28 | €24k | €530k | €533k | €540k | €548k | ▲ 1.6% |
| Current assets29/58 | €1.73M | €1.33M | €1.62M | €2.19M | €1.62M | ▼ 25.9% |
| Stocks and contracts in progress3 | €609k | €611k | €558k | €601k | €510k | ▼ 15.2% |
| Stocks30/36 | €609k | €611k | €558k | €601k | €510k | ▼ 15.2% |
| Amounts receivable within one year40/41 | €200k | €387k | €426k | €1.15M | €896k | ▼ 22.1% |
| Trade receivables40 | €137k | €118k | €227k | €704k | €689k | ▼ 2.2% |
| Other amounts receivable41 | €62k | €269k | €199k | €445k | €207k | ▼ 53.6% |
| Cash at bank and in hand54/58 | €898k | €322k | €591k | €402k | €179k | ▼ 55.4% |
| Deferred charges and accrued income490/1 | €20k | €12k | €43k | €34k | €35k | ▲ 2.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.61M | €2.64M | €3.01M | €3.53M | €2.86M | ▼ 19.2% |
| Equity10/15 | €1.15M | €1.10M | €1.03M | €455k | €-537k | ▼ 218% |
| Contributions10/11 | €150k | €150k | €150k | €150k | €150k | = |
| Capital10 | €150k | €150k | €150k | €150k | €150k | = |
| Issued capital100 | €150k | €150k | €150k | €150k | €150k | = |
| Reserves13 | €159k | €159k | €159k | €159k | €159k | = |
| Non-distributable reserves130/1 | €11k | €11k | €11k | €11k | €11k | = |
| Legal reserve130 | €11k | €11k | €11k | €11k | €11k | = |
| Tax-exempt reserves132 | €77k | €77k | €77k | €77k | - | - |
| Distributable reserves133 | €71k | €71k | €71k | €71k | €148k | ▲ 108% |
| Profit (loss) carried forward14 | €844k | €792k | €718k | €146k | €-846k | ▼ 681% |
| Amounts payable17/49 | €1.46M | €1.54M | €1.99M | €3.08M | €3.39M | ▲ 10.2% |
| Amounts payable after more than one year17 | €624k | €496k | €563k | €419k | €2.27M | ▲ 443% |
| Financial debts170/4 | €618k | €490k | €557k | €413k | €2.27M | ▲ 449% |
| Other amounts payable178/9 | €6k | €6k | €6k | €6k | €6k | = |
| Amounts payable within one year42/48 | €831k | €1.04M | €1.41M | €2.66M | €1.12M | ▼ 58.0% |
| Current portion of amounts payable after more than one year42 | €150k | €139k | €143k | €144k | €179k | ▲ 24.7% |
| Trade debts44 | €568k | €797k | €1.16M | €2.39M | €825k | ▼ 65.5% |
| Suppliers440/4 | €568k | €797k | €1.16M | €2.39M | €825k | ▼ 65.5% |
| Taxes, remuneration and social security45 | €94k | €105k | €116k | €126k | €114k | ▼ 10.2% |
| Taxes450/3 | - | - | €40 | €3k | €240 | ▼ 90.6% |
| Remuneration and social security454/9 | €94k | €105k | €116k | €124k | €113k | ▼ 8.5% |
| Other amounts payable47/48 | €18k | €0 | €0 | - | - | - |
| Accrued charges and deferred income492/3 | €6k | - | €9k | €462 | €927 | ▲ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €298k | €-52k | €-74k | €-572k | €-992k | ▼ 73.4% |
| + Depreciation and write-downs630 | €267k | €196k | €193k | €198k | €214k | ▲ 7.7% |
| Operating cash flow (approximation) | €565k | €144k | €119k | €-374k | €-778k | ▼ 108% |
| Investment in fixed assets (approximation) | - | €-601k | €-290k | €-151k | €-107k | ▲ 29.1% |
| Change in cash | - | €-576k | €269k | €-190k | €-223k | ▼ 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 €-992k
Net result drops to €-992k, 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 €1.15M ▲34.8%
4 profitable years in a row build equity to €1.15M.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €349k ▲69.8%
Operating result €494k, net result €349k, both a record.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
31-12
Financial
Equity above €500kEq €506k ▲68.6%
2 profitable years in a row build equity to €506k.
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 5,848. 3,263 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.