S-INTERIEUR
ActiveS-INTERIEUR has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €363k and a net result of €147k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 7447 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▲+4
Solvency50▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity short (current ratio 0.66 against 1.41 in 2023; short-term debt: 27.8% and cash: 5.9% of total assets), and 74.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
36 d early
2022
34 d early
2021
32 d early
2020
58 d early
2019
38 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€363k▲ 17.4%
2023 · €309k
2018: €108k
2019: €96k
2020: €162k
2021: €176k
2022: €220k
2023: €309k
2018 → 2024
Total assets
€1.44M▲ 7.1%
2023 · €1.34M
2018: €1.08M
2019: €1.03M
2020: €1.17M
2021: €1.14M
2022: €1.12M
2023: €1.34M
2018 → 2024
Net result
€147k▲ 65.1%
2023 · €89k
2018: €61k
2019: €-12k
2020: €66k
2021: €14k
2022: €45k
2023: €89k
2018 → 2024
Working capital
€-135k
2023 · €95k
2018: €-65k
2019: €-88k
2020: €-84k
2021: €-27k
2022: €-85k
2023: €95k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€162k-€176k▲ 8.9%€220k▲ 25.4%€309k▲ 40.3%€363k▲ 17.4%
Operating result€101k-€45k▼ 55.5%€81k▲ 78.6%€143k▲ 77.7%€233k▲ 62.5%
Net result€66k-€14k▼ 78.2%€45k▲ 212%€89k▲ 98.9%€147k▲ 65.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 63% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.44M
Fixed assets
€1.17M▲ 15.2%
Current assets
€266k▼ 18.2%
Equity and liabilities €1.44M
Equity
€363k▲ 17.4%
Provisions
€761▼ 57.0%
Debt
€1.08M▲ 4.2%
The debt ratio falls from 76.8% to 74.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€345k▲
2023 · €226k
Cash flow
€259k▲
2023 · €172k
Solvency
25.2%▲
2023 · 23.0%
Current ratio
0.66▼
2023 · 1.41
Quick ratio
0.59▼
2023 · 1.25
Debt / equity
2.96▼
2023 · 3.34
ROE
40.4%▲
2023 · 28.7%
ROA
10.2%▲
2023 · 6.6%
Interest coverage
8.71▲
2023 · 8.61
Debt
€1.08M▲
2023 · €1.03M
Debt ≤ 1 year
€401k▲
2023 · €230k
Debt > 1 year
€674k▼
2023 · €801k
Income taxes
€58k▲
2023 · €34k
Staff costs
€202k▲
2023 · €163k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.34M€1.44M▲
Fixed assets21/28€1.02M€1.17M▲
Tangible fixed assets22/27€1.02M€1.17M▲
Land and buildings22€919k€986k▲
Plant, machinery and equipment23€27k€57k▲
Furniture and vehicles24€2k€6k▲
Leasing and similar rights25€70k€123k▲
Financial fixed assets28€420€420=
Current assets29/58€325k€266k▼
Stocks and contracts in progress3€37k€29k▼
Stocks30/36€37k€29k▼
Amounts receivable within one year40/41€175k€142k▼
Trade receivables40€50k€25k▼
Other amounts receivable41€125k€116k▼
Cash at bank and in hand54/58€93k€84k▼
Deferred charges and accrued income490/1€20k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.34M€1.44M▲
Equity10/15€309k€363k▲
Contributions10/11€14k€14k=
Reserves13€295k€348k▲
Tax-exempt reserves132€5k€2k▼
Distributable reserves133€289k€346k▲
Profit (loss) carried forward14€426€458▲
Provisions and deferred taxes16€2k€761▼
Deferred taxes168€2k€761▼
Amounts payable17/49€1.03M€1.08M▲
Amounts payable after more than one year17€801k€674k▼
Financial debts170/4€801k€674k▼
Amounts payable within one year42/48€230k€401k▲
Current portion of amounts payable after more than one year42€85k€95k▲
Financial debts43€31k€165k▲
Credit institutions430/8€31k€165k▲
Trade debts44€81k€100k▲
Suppliers440/4€81k€100k▲
Taxes, remuneration and social security45€33k€41k▲
Taxes450/3€19k€10k▼
Remuneration and social security454/9€14k€31k▲
Other amounts payable47/48€1k-
Accrued charges and deferred income492/3€906€350▼
Income statement
Code20232024
Remuneration, social security and pensions62€163k€202k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€113k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€393k€551k▲
Operating profit (loss)9901€143k€233k▲
Financial income75/76B€5k€11k▲
Recurring financial income75€5k€11k▲
Financial charges65/66B€26k€40k▲
Recurring financial charges65€26k€40k▲
Profit (loss) for the period before taxes9903€122k€204k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€34k€58k▲
Profit (loss) for the period9904€89k€147k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€92k€150k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€150k▲
Profit (loss) brought forward from the previous period14P€374€426▲
Transfer from equity791/2-€93k
Transfer to equity691/2€92k€150k▲
To other reserves6921€92k€150k▲
Profit to be distributed694/7-€93k
Return on contributions (dividend)694-€93k
Social balance
Average headcount (FTE)90872.93.5▲
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-09
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 2026-09-01
- Director appointment, Tara Brouwers (bestuurder)
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €147k ▲65.1%
Operating result €233k, net result €147k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.41
Current ratio from 0.63 to 1.41.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €220k ▲25.4%
3 profitable years in a row build equity to €220k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €66k
Net result €66k after one loss-making year.
31-12
Financial
Equity above €150kEq €162k ▲68.4%
Equity rises from €96k to €162k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-12k ▼121%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 10 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Tara Brouwers
CurrentDirector · since 01-09-2026
01-09-2026
Appointed as Director
Location & real-estate footprint
Registered office, Dilsen-Stokkem · 1 establishment unit since 2010
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Meerkensstraat 473650 Dilsen-StokkemGround area
6,453 m²
Building footprint
1,765 m²
Volume, LiDAR
595 m³
Parcel 73043B0285/00A002, Flanders · tallest building 9.7 m. Linked by address, not a title deed.
1 establishment unit
S-INTERIEUR
since 20102.190.623.749
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043B0285/00A002 | Flanders | 6,452 m² | 1 · 1,765 m² | 9.7 m |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 19,883 EUR awarded · 19,883 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,534 EUR | 2,089 EUR |
| 2024 | 2 | 7,848 EUR | 7,293 EUR |
| 2023 | 1 | 5,219 EUR | 5,219 EUR |
| 2022 | 1 | 5,282 EUR | 5,282 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
7 endedSimilar companies · same sector, comparable size
MENUISERIE PIROT REGIS
BE 0792.273.234
Bouillon · Eq €363k
SCHRIJN - EN TIMMERWERKEN MARC SMET
BE 0442.417.097
Temse · Eq €364k
TOITURE DETAILLE
BE 0728.666.275
Bastogne · Eq €362k
Dakwerken De Boever
BE 0832.400.253
Damme · Eq €362k
Trappen Van Hoo
BE 0810.679.379
Deinze · Eq €364k
Of 20,030 companies in sector 43320 we hold annual accounts for 9,135. 6,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-08-2010
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.