INTERFINANCE
ActiveSummary
INTERFINANCE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11.35M and a net result of €-238k. Equity is growing by ~3.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33▼-67
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €700k at 30 days acceptable
Liquidity ample (current ratio 15.7 against 4.12 in 2024; short-term debt: 6.1% and cash: 3.8% of total assets), and 6.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
93.9%
Return on assets
-2%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
40 d late
2024
105 d early
2023
106 d early
2022
104 d early
2021
100 d early
2020
101 d early
2019
100 d early
← 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, abbreviated schema
Equity
€11.35M▼ 2.1%
2024 · €11.59M
2018: €2.17M
2019: €2.32M
2020: €2.37M
2021: €2.41M
2022: €2.49M
2023: €2.51M
2024: €11.59M
2018 → 2025
Total assets
€12.08M▲ 3.1%
2024 · €11.71M
2018: €3.31M
2019: €3.46M
2020: €3.52M
2021: €3.56M
2022: €3.63M
2023: €3.66M
2024: €11.71M
2018 → 2025
Net result
€-238k
2024 · €9.21M
2018: €165k
2019: €274k
2020: €180k
2021: €168k
2022: €209k
2023: €150k
2024: €9.21M
2018 → 2025
Working capital
€10.74M▲ 2,570%
2024 · €402k
2018: €-862k
2019: €-726k
2020: €-675k
2021: €-636k
2022: €-556k
2023: €-535k
2024: €402k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.41M-€2.49M▲ 3.3%€2.51M▲ 0.9%€11.59M▲ 362%€11.35M▼ 2.1%
Operating result€-26k-€-34k▼ 30.0%€-37k▼ 8.2%€-37k▼ 0.9%€-41k▼ 9.0%
Net result€168k-€209k▲ 24.4%€150k▼ 28.2%€9.21M▲ 6,027%€-238k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €37k 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 €12.08M
Fixed assets
€603k ▼ 94.6%
Current assets
€11.48M ▲ 2,059%
Equity and liabilities €12.08M
Equity
€11.35M ▼ 2.1%
Debt
€731k ▲ 467%
Debt's share of the balance-sheet total rises from 1.1% to 6.1%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
15.70▲
2024 · 4.12
Debt to equity
0.06▲
2024 · 0.01
ROE
-2.1%▼
2024 · 79.5%
ROA
-2.0%▼
2024 · 78.6%
Debt ≤ 1 year
€731k▲
2024 · €129k
Income taxes
€909k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.71M€12.08M▲
Fixed assets21/28€11.18M€603k▼
Financial fixed assets28€11.18M€603k▼
Current assets29/58€531k€11.48M▲
Amounts receivable within one year40/41€73k€15k▼
Other amounts receivable41€73k€15k▼
Current investments50/53€79k€10.80M▲
Cash at bank and in hand54/58€376k€464k▲
Deferred charges and accrued income490/1€3k€199k▲
Equity and liabilities
Total equity and liabilities10/49€11.71M€12.08M▲
Equity10/15€11.59M€11.35M▼
Contributions10/11€500k€500k=
Reserves13€450k€450k=
Distributable reserves133€450k€450k=
Profit (loss) carried forward14€10.64M€10.40M▼
Amounts payable17/49€129k€731k▲
Amounts payable within one year42/48€129k€731k▲
Trade debts44€85€88▲
Suppliers440/4€85€88▲
Taxes, remuneration and social security45-€731k
Taxes450/3-€731k
Other amounts payable47/48€129k-
Accrued charges and deferred income492/3-€518
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€22k
Other operating charges640/8€19k€19k▲
Gross operating margin9900€-19k€-22k▼
Operating profit (loss)9901€-37k€-41k▼
Financial income75/76B€9.30M€728k▼
Recurring financial income75€9.30M€727k▼
Non-recurring financial income76B-€785
Financial charges65/66B€58k€16k▼
Recurring financial charges65€58k€16k▼
Profit (loss) for the period before taxes9903€9.21M€671k▼
Income taxes67/77-€909k
Profit (loss) for the period9904€9.21M€-238k▼
Profit (loss) for the period to be appropriated9905€9.21M€-238k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10.76M€10.40M▼
Profit (loss) brought forward from the previous period14P€1.56M€10.64M▲
Profit to be distributed694/7€129k-
Return on contributions (dividend)694€129k-
The notes to these accounts (4 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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 40 days late
01-07
State Gazette act
Resignation: Michel Vanhaeren (director)Appointment: Christophe Demain (director) · Mandate compensation5 facts ▸
State Gazette act
Resignation: Michel Vanhaeren (director)
Appointment: Christophe Demain (director) · Mandate compensation5 facts ▸
- Director resignation, Michel Vanhaeren (director)
- Director appointment, Christophe Demain (director)
- Mandate compensation, Christophe Demain
- Board composition, Christophe Demain (director)
- Board composition, Jeroen Bogaerts (director)
03-06
State Gazette act
Resignation: KPMG Bedrijfsrevisoren BV (statutory auditor)Appointment: Deloitte Bedrijfsrevisoren (statutory auditor)3 facts ▸
State Gazette act
Resignation: KPMG Bedrijfsrevisoren BV (statutory auditor)
Appointment: Deloitte Bedrijfsrevisoren (statutory auditor)3 facts ▸
- General meeting, 21-04-2026
- Auditor resignation, KPMG Bedrijfsrevisoren BV
- Auditor appointment, Deloitte Bedrijfsrevisoren
2025
31-12
Financial
Weakest financial yearnet €-238k ▼103%
Net result drops to €-238k, the lowest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 15.70
Current ratio from 4.12 to 15.70.
17-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €9.21M ▲6027%
Net result €9.21M, the highest in the series.
31-12
Financial
Liquidity times 8current ratio 4.12
Current ratio from 0.53 to 4.12; short-term debt falls from €1.15M to €129k.
31-12
Financial
Equity above €10MEq €11.59M ▲362%
7 profitable years in a row build equity to €11.59M.
16-09
State Gazette act
Reappointment: Michel Vanhaeren (director)Resignation: Régis Lanove (director) · Appointment: Jeroen Bogaerts (director) · Mandate compensation7 facts ▸
State Gazette act
Reappointment: Michel Vanhaeren (director)
Resignation: Régis Lanove (director) · Appointment: Jeroen Bogaerts (director) · Mandate compensation7 facts ▸
- General meeting, 16-04-2024
- Director reappointment, Michel Vanhaeren (director)
- General meeting, 28-05-2024
- Director resignation, Régis Lanove (director)
- Director appointment, Jeroen Bogaerts (director)
- Mandate compensation, Régis Lanove
- Mandate compensation, Jeroen Bogaerts
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-06
State Gazette act
Reappointments: Eric Spiessens, Hilde De Wolf and KPMG Bedrijfsrevisoren BVPermanent representative: Arnaud Dellicour5 facts ▸
State Gazette act
Reappointments: Eric Spiessens, Hilde De Wolf and KPMG Bedrijfsrevisoren BV
Permanent representative: Arnaud Dellicour5 facts ▸
- General meeting, 18-04-2023
- Director reappointment, Eric Spiessens (director)
- Director reappointment, Hilde De Wolf (director)
- Auditor reappointment, KPMG Bedrijfsrevisoren BV
- Permanent representative, Arnaud Dellicour
Show earlier events
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
07-03
State Gazette act
Reappointments: Eric Spiessens, Hilde De Wolf and 2 othersLegal-form conversion · Capital · Reserve release14 facts ▸
State Gazette act
Reappointments: Eric Spiessens, Hilde De Wolf and 2 others
Legal-form conversion · Capital · Reserve release14 facts ▸
- General meeting, 13-12-2022
- Legal-form conversion, Société coopérative à responsabilité limitée (SCRL) vers Société à responsabilité limitée (SRL)
- Capital, €500.000,26
- Reserve release, réserve légale rendue disponible pour la distribution
- Director reappointment, Eric Spiessens (director)
- Director reappointment, Hilde De Wolf (director)
- Director reappointment, Michel Vanhaeren (director)
- Director reappointment, Régis Lanove (director)
- Mandate compensation, Eric Spiessens
- Mandate compensation, Hilde De Wolf
- Mandate compensation, Michel Vanhaeren
- Mandate compensation, Régis Lanove
- +2 further facts in this act
03-01
State Gazette act
Appointments: Eric Spiessens, Hilde De Wolf and 2 othersLegal-form conversion · Capital · Reserve release13 facts ▸
State Gazette act
Appointments: Eric Spiessens, Hilde De Wolf and 2 others
Legal-form conversion · Capital · Reserve release13 facts ▸
- General meeting, 13-12-2022
- Legal-form conversion, CV -> BV
- Capital, €500.000,26
- Reserve release, 50000.0, EUR
- Director appointment, Eric Spiessens (director)
- Director appointment, Hilde De Wolf (director)
- Director appointment, Michel Vanhaeren (director)
- Director appointment, Régis Lanove (director)
- Mandate compensation, Eric Spiessens
- Mandate compensation, Hilde De Wolf
- Mandate compensation, Michel Vanhaeren
- Mandate compensation, Régis Lanove
- +1 further facts in this act
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-12
State Gazette act
Appointment: Régis Lanove (director)Mandate compensation3 facts ▸
State Gazette act
Appointment: Régis Lanove (director)
Mandate compensation3 facts ▸
- General meeting, 10-12-2020
- Director appointment, Régis Lanove (director)
- Mandate compensation, Régis Lanove
23-06
State Gazette act
Resignation: Deloitte Bedrijfsrevisoren CVBA (statutory auditor)Appointment: KPMG Bedrijfsrevisoren CVBA (statutory auditor)3 facts ▸
State Gazette act
Resignation: Deloitte Bedrijfsrevisoren CVBA (statutory auditor)
Appointment: KPMG Bedrijfsrevisoren CVBA (statutory auditor)3 facts ▸
- General meeting, 21-04-2020
- Director resignation, Deloitte Bedrijfsrevisoren CVBA (statutory auditor)
- Director appointment, KPMG Bedrijfsrevisoren CVBA (statutory auditor)
22-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
10-03
State Gazette act
Resignation: Gielen Gunther (director)3 facts ▸
State Gazette act
Resignation: Gielen Gunther (director)
3 facts ▸
- Director resignation, Gielen Gunther (director)
- Board composition, Michel Vanhaeren (director)
- Board composition, Hilde De Wolf (director)
2019
28-05
State Gazette act
Reappointment: Deloitte bedrijfsrevisoren (statutory auditor)Permanent representative: Franky Wevers · Mandate compensation4 facts ▸
State Gazette act
Reappointment: Deloitte bedrijfsrevisoren (statutory auditor)
Permanent representative: Franky Wevers · Mandate compensation4 facts ▸
- General meeting, 16-04-2019
- Auditor reappointment, Deloitte bedrijfsrevisoren
- Permanent representative, Franky Wevers
- Mandate compensation, Deloitte bedrijfsrevisoren
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-11
State Gazette act
Permanent representative: Franky Wevers1 fact ▸
State Gazette act
Permanent representative: Franky Wevers
1 fact ▸
- Permanent representative, Franky Wevers
04-10
State Gazette act
Appointments: Gunther Gielen (director) and Michel Vanhaeren (director)Registered-office move · Mandate compensation7 facts ▸
State Gazette act
Appointments: Gunther Gielen (director) and Michel Vanhaeren (director)
Registered-office move · Mandate compensation7 facts ▸
- Board meeting, 13-09-2018
- General meeting, 19-09-2018
- Registered-office move, Karel Rogierplein 11, 1210 Brussel
- Director appointment, Gunther Gielen (director)
- Director appointment, Michel Vanhaeren (director)
- Mandate compensation, Gunther Gielen
- Mandate compensation, Michel Vanhaeren
17-08
State Gazette act
Resignations: Francine Swiggers (director) and Marc Tinant (director)2 facts ▸
State Gazette act
Resignations: Francine Swiggers (director) and Marc Tinant (director)
2 facts ▸
- Director resignation, Francine Swiggers (director)
- Director resignation, Marc Tinant (director)
08-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
19-06
State Gazette act
Reappointments: Hilde De Wolf, Eric Spiessens and Deloitte4 facts ▸
State Gazette act
Reappointments: Hilde De Wolf, Eric Spiessens and Deloitte
4 facts ▸
- General meeting, 18-04-2017
- Director reappointment, Hilde De Wolf (director)
- Director reappointment, Eric Spiessens (director)
- Auditor reappointment, Deloitte
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
26-05
State Gazette act
Reappointments: Francine Swiggers, Marc Tinant and Deloitte4 facts ▸
State Gazette act
Reappointments: Francine Swiggers, Marc Tinant and Deloitte
4 facts ▸
- General meeting, 19-04-2016
- Director reappointment, Francine Swiggers (director)
- Director reappointment, Marc Tinant (director)
- Auditor reappointment, Deloitte
2013
29-04
State Gazette act
Reappointment: Deloitte Bedrijfsrevisoren - B.V. o.v.v.e. CVBA (statutory auditor)2 facts ▸
State Gazette act
Reappointment: Deloitte Bedrijfsrevisoren - B.V. o.v.v.e. CVBA (statutory auditor)
2 facts ▸
- General meeting, 16-04-2013
- Auditor reappointment, Deloitte Bedrijfsrevisoren - B.V. o.v.v.e. CVBA (statutory auditor)
2011
29-09
State Gazette act
Resignation: Leen Van den Neste (director)Appointment: Hilde De Wolf (director)3 facts ▸
State Gazette act
Resignation: Leen Van den Neste (director)
Appointment: Hilde De Wolf (director)3 facts ▸
- General meeting, 13-09-2011
- Director resignation, Leen Van den Neste (director)
- Director appointment, Hilde De Wolf (director)
09-05
State Gazette act
Reappointment: Eric Spiesseris (director)2 facts ▸
State Gazette act
Reappointment: Eric Spiesseris (director)
2 facts ▸
- General meeting, 19-04-2011
- Director reappointment, Eric Spiesseris (director)
2010
23-07
State Gazette act
Registered office · Statutes amendmentRegistered-office move2 facts ▸
State Gazette act
Registered office · Statutes amendment
Registered-office move2 facts ▸
- Board meeting, 19-05-2010
- Registered-office move, 1030 Schaarbeek, Urbain Britsierslaan 5
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.An act published in both Dutch and French appears here once.
Directors · office · real estate
Directors
5 directors, no change since 2026
Christophe DEMAIN
CurrentDirector · since 24-06-2026
Jeroen Bogaerts
CurrentDirector · since 28-05-2024
De Wolf Hilde
CurrentDirector · since 13-09-2011
Eric Spiessens
CurrentDirector · since 19-04-2011
Eric Spiesseris
Not recently confirmedDirector · since 19-04-2011
24-06-2026
Christophe DEMAIN: Appointed as Director
24-06-2026
Michel Vanhaeren: Resigned as Director
28-05-2024
Jeroen Bogaerts: Appointed as Director
16-04-2024
Michel Vanhaeren: Mandate renewed as Director
16-04-2024
Régis Lanove: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Joost-ten-Node · 1 establishment unit since 1992
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.
Karel Rogierplein 111210 Sint-Joost-ten-NodeGround area
3,343 m²
Building footprint
3,343 m²
Volume, LiDAR
268,011 m³
Parcel 21014A0014/02L002, Brussels · tallest building 144.7 m, ±28 floors. Linked by address, not a title deed.
1 establishment unit
INTERFINANCE CV
since 19922.058.710.974
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21014A0014/02L002 | Brussels | 3,343 m² | 1 · 3,343 m² | 144.7 m · 28 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.
Statutory auditor
1 auditor| KPMG Bedrijfsrevisoren BVCurrent Auditor · represented by Arnaud Dellicour | 18-04-2023 → present |
Show 6 earlier auditors
| Deloitte Auditor succeeded by Deloitte Bedrijfsrevisoren in 2019 | 19-04-2016 → 16-04-2019 |
| Deloitte Bedrijfsrevisoren Auditor · represented by Vlaminckx Dirk succeeded by KPMG Bedrijfsrevisoren BV in 2023 | 16-04-2019 → 18-04-2023 |
| Deloitte Bedrijfsrevisoren - B.V. o.v.v.e. CVBA Statutory auditor succeeded by Deloitte in 2016 | 16-04-2013 → 19-04-2016 |
| Deloitte bedrijfsrevisoren CVBA Statutory auditor | - → 21-04-2020 |
| Deloitte Réviseurs d'Entreprises - SC s.l.f.d. SCRL Statutory auditor succeeded by Deloitte in 2016 | 16-04-2013 → 19-04-2016 |
| KPMG Bedrijfsrevisoren CVBA Statutory auditor succeeded by KPMG Bedrijfsrevisoren BV in 2023 | 21-04-2020 → 18-04-2023 |
Articles of association
Purpose
L'investissement, la souscription, la prise ferme, le placement, la vente, l'achat et la négociation d'actions, parts, obligations, certificats, crédits, monnaies et autres valeurs…
Full purpose
L'investissement, la souscription, la prise ferme, le placement, la vente, l'achat et la négociation d'actions, parts, obligations, certificats, crédits, monnaies et autres valeurs mobilières... La gestion des investissements et des participations dans des sociétés-filles, l'exercice de fonctions d'administration, la fourniture de conseils, management et autres services de même nature...
Structure & network
Connections & network
42 connected companiesLinked via shared directors
via De Wolf Hilde · Director
→
via Christophe DEMAIN · Administrateur non exécutif
→
via Christophe DEMAIN · Director
→
via Eric Spiessens · Directeur financiën en ondersteunende diensten
→
Show 38 more companies with a shared director
via De Wolf Hilde · Director
→
→
via De Wolf Hilde · Director
→
via De Wolf Hilde
→
via De Wolf Hilde · Director
→
via De Wolf Hilde · Director
→
via Christophe DEMAIN · Director
→
via De Wolf Hilde and Eric Spiessens · Director
→
via De Wolf Hilde · Director
→
via Eric Spiessens · Director
→
via De Wolf Hilde · Director
→
via Eric Spiessens · Director
→
via Eric Spiessens · Director
former→
via Christophe DEMAIN · Director and member of the executive committee
former→
via Eric Spiessens · Director
former→
via Christophe DEMAIN · Director
former→
via Eric Spiessens · Non-statutory director
former→
former→
via Eric Spiessens
former→
via De Wolf Hilde · Director
former→
via Eric Spiessens · Director
former→
via De Wolf Hilde · Director
former→
via Christophe DEMAIN · Director
former→
via Christophe DEMAIN · Director
former→
via Christophe DEMAIN · Director
former→
via Christophe DEMAIN · Director
former→
via Eric Spiessens · Director
former→
via Eric Spiessens · Director
former→
Shared director
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Shared director
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Shared director
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Shared director
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Shared director
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Shared director
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Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Sint-Joost-Ten-Node
Brussels · indirect
controls
INTERFINANCEBE 0447.736.855
Capital and shareholders
Capital over the years
- 07-03-2023 Capital stated in 2 acts · 500,000.26 EUR
Recognitions · licences · registrations
Legal Entity Identifier
9676008QFI6DCJ8TFI88
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-1992
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.