intal
ActiveSummary
intal has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €771k and a net result of €118k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability86▲+5
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 10.28 against 4.71 in 2024; short-term debt: 9.7% and cash: 18.6% of total assets), and 9.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
90.3%
Return on assets
13.8%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 21-04-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
1 d early
2022
2 d early
2021
1 d early
2020
1 d early
2019
1 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€771k▼ 14.6%
2024 · €904k
2018: €210klowest in 8 years
2019: €210k▲ +0.1% vs 2018
2020: €212k▲ +0.9% vs 2019
2021: €444k▲ +109% vs 2020
2022: €543k▲ +22.3% vs 2021
2023: €795k▲ +46.5% vs 2022
2024: €904k▲ +13.6% vs 2023highest in 8 years
2025: €771k▼ -14.6% vs 2024
2018 → 2025
Total assets
€855k▼ 23.6%
2024 · €1.12M
2018: €823k
2019: €803k▼ -2.4% vs 2018
2020: €727k▼ -9.5% vs 2019lowest in 8 years
2021: €884k▲ +21.7% vs 2020
2022: €837k▼ -5.4% vs 2021
2023: €936k▲ +11.9% vs 2022
2024: €1.12M▲ +19.5% vs 2023highest in 8 years
2025: €855k▼ -23.6% vs 2024
2018 → 2025
Net result
€118k▲ 8.7%
2024 · €108k
2018: €338khighest in 8 years
2019: €200k▼ -40.8% vs 2018
2020: €212k▲ +5.8% vs 2019
2021: €232k▲ +9.4% vs 2020
2022: €99k▼ -57.3% vs 2021lowest in 8 years
2023: €252k▲ +155% vs 2022
2024: €108k▼ -57.0% vs 2023
2025: €118k▲ +8.7% vs 2024
2018 → 2025
Working capital
€771k▲ 2.0%
2024 · €756k
2018: €209k
2019: €113k▼ -45.9% vs 2018
2020: €112k▼ -0.9% vs 2019lowest in 8 years
2021: €330k▲ +195% vs 2020
2022: €431k▲ +30.5% vs 2021
2023: €659k▲ +52.9% vs 2022
2024: €756k▲ +14.8% vs 2023
2025: €771k▲ +2.0% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€444k-€543k▲ 22.3%€795k▲ 46.5%€904k▲ 13.6%€771k▼ 14.6%
2021: €444klowest in 5 years
2022: €543k▲ +22.3% vs 2021
2023: €795k▲ +46.5% vs 2022
2024: €904k▲ +13.6% vs 2023highest in 5 years
2025: €771k▼ -14.6% vs 2024
Operating result€317k-€140k▼ 55.7%€324k▲ 131%€156k▼ 52.0%€80k▼ 48.5%
2021: €317k
2022: €140k▼ -55.7% vs 2021
2023: €324k▲ +131% vs 2022highest in 5 years
2024: €156k▼ -52.0% vs 2023
2025: €80k▼ -48.5% vs 2024lowest in 5 years
Net result€232k-€99k▼ 57.3%€252k▲ 155%€108k▼ 57.0%€118k▲ 8.7%
2021: €232k
2022: €99k▼ -57.3% vs 2021lowest in 5 years
2023: €252k▲ +155% vs 2022highest in 5 years
2024: €108k▼ -57.0% vs 2023
2025: €118k▲ +8.7% vs 2024
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €855k
Fixed assets
€444 ▼ 99.7%
Current assets
€854k ▼ 11.0%
Equity and liabilities €855k
Equity
€771k ▼ 14.6%
Debt
€83k ▼ 61.4%
Debt's share of the balance-sheet total falls from 19.2% to 9.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€81k▼
2024 · €167k
Cash flow
€119k▼
2024 · €119k
Current ratio
10.28▲
2024 · 4.71
Debt to equity
0.11▼
2024 · 0.24
ROE
15.3%▲
2024 · 12.0%
ROA
13.8%▲
2024 · 9.7%
Interest coverage
90.19▼
2024 · 93.18
Debt ≤ 1 year
€83k▼
2024 · €204k
Income taxes
€45k▼
2024 · €55k
Staff costs
€16k▼
2024 · €52k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.12M€855k▼
Fixed assets21/28€159k€444▼
Tangible fixed assets22/27€159k€444▼
Land and buildings22€151k-
Plant, machinery and equipment23€4k-
Furniture and vehicles24€4k€444▼
Current assets29/58€960k€854k▼
Amounts receivable within one year40/41€187k€616k▲
Trade receivables40€23k€19k▼
Other amounts receivable41€165k€598k▲
Current investments50/53€4k€79k▲
Cash at bank and in hand54/58€769k€159k▼
Equity and liabilities
Total equity and liabilities10/49€1.12M€855k▼
Equity10/15€904k€771k▼
Contributions10/11€19k€19k=
Reserves13€21k€21k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€864k€732k▼
Amounts payable17/49€215k€83k▼
Amounts payable after more than one year17€11k-
Financial debts170/4€11k-
Amounts payable within one year42/48€204k€83k▼
Current portion of amounts payable after more than one year42€22k€11k▼
Trade debts44€157k€50k▼
Suppliers440/4€157k€50k▼
Taxes, remuneration and social security45€25k€21k▼
Taxes450/3€16k€21k▲
Remuneration and social security454/9€9k-
Other amounts payable47/48-€560
Income statement
Code20242025
Remuneration, social security and pensions62€52k€16k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€1k▼
Other operating charges640/8€4k€13k▲
Gross operating margin9900€222k€110k▼
Operating profit (loss)9901€156k€80k▼
Financial income75/76B€10k€83k▲
Recurring financial income75€10k€14k▲
Non-recurring financial income76B-€69k
Financial charges65/66B€2k€902▼
Recurring financial charges65€2k€902▼
Profit (loss) for the period before taxes9903€164k€163k▼
Income taxes67/77€55k€45k▼
Profit (loss) for the period9904€108k€118k▲
Profit (loss) for the period to be appropriated9905€108k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€864k€982k▲
Profit (loss) brought forward from the previous period14P€756k€864k▲
Profit to be distributed694/7-€250k
Return on contributions (dividend)694-€250k
Social balance
Average headcount (FTE)90871.40.5▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €2k | €52k | €16k | ▼ 70.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €47k | €48k | €12k | €11k | €1k | ▼ 89.5% |
| Other operating charges640/8 | €4k | €2k | €4k | €4k | €13k | ▲ 266% |
| Gross operating margin9900 | €369k | €191k | €342k | €222k | €110k | ▼ 50.4% |
| Operating profit (loss)9901 | €317k | €140k | €324k | €156k | €80k | ▼ 48.5% |
| Financial income75/76B | €489 | €942 | €16k | €10k | €83k | ▲ 742% |
| Recurring financial income75 | €489 | €942 | €713 | €10k | €14k | ▲ 45.8% |
| Non-recurring financial income76B | - | - | €16k | - | €69k | - |
| Financial charges65/66B | €2k | €2k | €2k | €2k | €902 | ▼ 49.5% |
| Recurring financial charges65 | €2k | €2k | €2k | €2k | €902 | ▼ 49.5% |
| Profit (loss) for the period before taxes9903 | €315k | €139k | €339k | €164k | €163k | ▼ 0.7% |
| Income taxes67/77 | €84k | €40k | €86k | €55k | €45k | ▼ 19.0% |
| Profit (loss) for the period9904 | €232k | €99k | €252k | €108k | €118k | ▲ 8.7% |
| Profit (loss) for the period to be appropriated9905 | €232k | €99k | €252k | €108k | €118k | ▲ 8.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €884k | €837k | €936k | €1.12M | €855k | ▼ 23.6% |
| Fixed assets21/28 | €227k | €182k | €169k | €159k | €444 | ▼ 99.7% |
| Tangible fixed assets22/27 | €227k | €182k | €169k | €159k | €444 | ▼ 99.7% |
| Land and buildings22 | €173k | €165k | €158k | €151k | - | - |
| Plant, machinery and equipment23 | €10k | €8k | €6k | €4k | - | - |
| Furniture and vehicles24 | €44k | €9k | €6k | €4k | €444 | ▼ 88.5% |
| Current assets29/58 | €657k | €655k | €767k | €960k | €854k | ▼ 11.0% |
| Amounts receivable within one year40/41 | €118k | €101k | €569k | €187k | €616k | ▲ 229% |
| Trade receivables40 | €90k | €17k | €18k | €23k | €19k | ▼ 17.6% |
| Other amounts receivable41 | €28k | €84k | €551k | €165k | €598k | ▲ 263% |
| Current investments50/53 | €4k | €4k | €4k | €4k | €79k | ▲ 2,002% |
| Cash at bank and in hand54/58 | €531k | €550k | €194k | €769k | €159k | ▼ 79.3% |
| Deferred charges and accrued income490/1 | €4k | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €884k | €837k | €936k | €1.12M | €855k | ▼ 23.6% |
| Equity10/15 | €444k | €543k | €795k | €904k | €771k | ▼ 14.6% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €21k | €21k | €21k | €21k | €21k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €19k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €404k | €503k | €756k | €864k | €732k | ▼ 15.3% |
| Amounts payable17/49 | €440k | €294k | €141k | €215k | €83k | ▼ 61.4% |
| Amounts payable after more than one year17 | €114k | €70k | €33k | €11k | - | - |
| Financial debts170/4 | €114k | €70k | €33k | €11k | - | - |
| Amounts payable within one year42/48 | €327k | €224k | €108k | €204k | €83k | ▼ 59.3% |
| Current portion of amounts payable after more than one year42 | €43k | €84k | €35k | €22k | €11k | ▼ 49.6% |
| Trade debts44 | €280k | €140k | €57k | €157k | €50k | ▼ 67.9% |
| Suppliers440/4 | €280k | €140k | €57k | €157k | €50k | ▼ 67.9% |
| Taxes, remuneration and social security45 | €4k | €52 | €14k | €25k | €21k | ▼ 15.0% |
| Taxes450/3 | €4k | €52 | €13k | €16k | €21k | ▲ 31.7% |
| Remuneration and social security454/9 | - | - | €1k | €9k | - | - |
| Other amounts payable47/48 | - | - | €2k | - | €560 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €232k | €99k | €252k | €108k | €118k | ▲ 8.7% |
| + Depreciation and write-downs630 | €47k | €48k | €12k | €11k | €1k | ▼ 89.5% |
| Operating cash flow (approximation) | €279k | €147k | €265k | €119k | €119k | ▼ 0.2% |
| Investment in fixed assets (approximation) | - | €-2k | €0 | €0 | €157k | - |
| Change in cash | - | €19k | €-356k | €575k | €-610k | ▼ 206% |
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
21-09
State Gazette act
General meeting · Merger
Shareholding · Other statement
21-09
State Gazette act
General meeting · Merger
Shareholding · Declaration
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Liquidity doublescurrent ratio 10.28
Current ratio from 4.71 to 10.28; short-term debt falls from €204k to €83k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity doublescurrent ratio 7.10
Current ratio from 2.92 to 7.10; short-term debt falls from €224k to €108k.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €99k ▼57.3%
Net result drops to €99k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €500kEq €543k ▲22.3%
5 profitable years in a row build equity to €543k.
20-07
State Gazette act
General meeting · Statutes amendment
Corporate purpose · Capital
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Show earlier events
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Gent · 1 establishment unit since 2001
Ground area
618 m²
Building footprint
206 m²
Volume, LiDAR
1,661 m³
Parcel 44809I0539/00N003, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
14
companies at this address
See who is registered here
1 establishment unit
Oudenaardsesteenweg 42, 9000 Gent
since 20012.103.109.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44809I0539/00N003 | Flanders | 618 m² | 1 · 206 m² | 13.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 270 EUR awarded · 270 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 270 EUR | 270 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500K5212H4MENOX29
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,329 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded04-02-1998
Fiscal year end30-09
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
Scores and ratios are computed by Checked and are not a credit decision.