Summary
Conclusion
the dossier summarised in one paragraphINTERFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €1.09B and a net result of €96.48M. Equity is growing by ~3.4% per year across the filed fiscal years. The company has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
Insufficient current data: the most recent filed accounts (financial year 2019) are too old to derive current signals.
Trust signals
2 signalsLong-established
Founded in 1982, 44 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€1.09B-7.3%
Net result€96.48M+40.2%
Total assets€1.16B-7.4%
Solvency94.5%+0.2pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 30-06-2025 with the NBB · fiscal year 2024 · consolidatie
The figures below are the statutory (non-consolidated) annual accounts. This company also files consolidated accounts; the group figures can differ substantially.
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~3.4%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€96.48M
+40.2%
far above sector median
€1.16B
-7.4%
far above sector median
€1.09B
-7.3%
far above sector median
€-2k
-
far below sector median
€60.70M
0.0%
far above sector median
€61.18M
-10.4%
+103% vs sector
€61.07M
-10.5%
+188% vs sector
94.5%
+0.2%
+102% vs sector
8.8%
+51.2%
-22% vs sector
8.3%
+51.5%
+3% vs sector
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €96.48M |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | €60.70M |
| Total assets | €1.16B |
| Equity | €1.09B |
| Debt | €61.18M |
| of which ≤ 1y | €61.07M |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 94.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 8.3% |
| ROE | 8.8% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.16B |
| Fixed assets | 21/28 | €1.12B |
| Tangible fixed assets | 22/27 | €662k |
| Financial fixed assets | 28 | €1.12B |
| Current assets | 29/58 | €35.63M |
| Amounts receivable within one year | 40/41 | €1.93M |
| Investments | 50/53 | €33.45M |
| Cash & bank | 54/58 | €194k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.16B |
| Equity | 10/15 | €1.09B |
| Contributions / capital | 10/11 | €286.45M |
| Reserves | 13 | €687.84M |
| Provisions & deferred taxes | 16 | €2.02M |
| Amounts payable | 17/49 | €61.18M |
| Amounts payable within one year | 42/48 | €61.07M |
| Trade debts payable within one year | 44 | €368k |
| Income statement | ||
| Operating result | 9901 | €-677k |
| Financial income | 75 | €79.52M |
| Financial charges | 65 | €171k |
| Result before taxes | 9903 | €96.48M |
| Net result for the period | 9904 | €96.48M |
| Result to be appropriated | 9905 | €96.48M |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
119 directorsCurrent directors & mandates
-
Current11-06-2026 → present
4 events
- 11-06-2026 Appointed· Director
- 11-06-2026 Appointed· Director
- 10-12-2025 Resigned· Director
- 12-09-2022 Appointed· Director
-
Current11-06-2026 → present
2 events
- 11-06-2026 Appointed· Director
- 11-06-2026 Appointed· Director
-
Current13-10-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-06-2025 → present
-
Current17-12-2024 → present
5 events
- 17-12-2024 Appointed· Director
- 30-09-2020 Resigned· Director
- 30-09-2020 Resigned· Director
- 04-07-2018 Resigned· Director
- 04-07-2018 Appointed· Director
-
Current17-12-2024 → present
-
Stad BrusselLegal entityDirector· perm. rep.: Faouzia HaricheState Gazette act 21106132 (03-09-2021)Current03-09-2021 → present
+ 4 not shown in this overview
Historic, not recently confirmed (14)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Not recently confirmedlast confirmed in an act from 2014
-
Not recently confirmedlast confirmed in an act from 2013
-
Not recently confirmedlast confirmed in an act from 2013
-
Not recently confirmedlast confirmed in an act from 2013
-
Not recently confirmedlast confirmed in an act from 2013
3 events
- 19-07-2013 Appointed· Director
- 17-06-2013 Appointed· Vice président
- 17-06-2013 Appointed· Membre du bureau
-
Not recently confirmedlast confirmed in an act from 2013
2 events
- 19-07-2013 Appointed· Director
- 17-06-2013 Appointed· Secrétaire de l'intercommunale
-
Not recently confirmedlast confirmed in an act from 2013
-
Not recently confirmedlast confirmed in an act from 2013
-
Not recently confirmedlast confirmed in an act from 2012
2 events
- 05-07-2012 Appointed· Director
- 18-06-2012 Appointed· Director
-
Not recently confirmedlast confirmed in an act from 2010
2 events
- 14-07-2010 Appointed· Director
- 14-06-2010 Appointed· Bestuurster
-
Not recently confirmedlast confirmed in an act from 2005
-
Not recently confirmedlast confirmed in an act from 2005
-
Not recently confirmedlast confirmed in an act from 2005
-
Not recently confirmedlast confirmed in an act from 2004
Former directors (87)
-
Former11-06-2026 → 06-08-2026
4 events
- 06-08-2026 Resigned· Director
- 06-08-2026 Resigned· Director
- 11-06-2026 Appointed· Bestuurster
- 11-06-2026 Appointed· Director
-
Former17-06-2019 → 06-08-2026
5 events
- 06-08-2026 Resigned· Director
- 06-08-2026 Resigned· Director
- 17-06-2025 Appointed· Director
- 03-09-2021 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2025 → 06-08-2026
3 events
- 06-08-2026 Resigned· Director
- 06-08-2026 Resigned· Bestuurster
- 17-06-2025 Appointed· Director
-
Former17-06-2019 → 10-12-2025
4 events
- 10-12-2025 Resigned· Director
- 30-09-2020 Resigned· Director
- 17-06-2019 Appointed· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2019 → 10-12-2025
2 events
- 10-12-2025 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former- → 10-12-2025
-
Former- → 10-12-2025
-
Former17-06-2025 → 10-12-2025
2 events
- 10-12-2025 Resigned· Director
- 17-06-2025 Appointed· Director
-
Former17-06-2019 → 10-12-2025
3 events
- 10-12-2025 Resigned· Director
- 30-09-2020 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2019 → 10-12-2025
2 events
- 10-12-2025 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2019 → 10-12-2025
3 events
- 10-12-2025 Resigned· Director
- 30-09-2020 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2019 → 10-12-2025
4 events
- 10-12-2025 Resigned· Director
- 30-09-2020 Resigned· Director
- 17-06-2019 Appointed· Director
- 17-06-2019 Appointed· Director
-
Former17-06-2019 → 10-12-2025
2 events
- 10-12-2025 Resigned· Director
- 17-06-2019 Appointed· Director
-
Former15-09-2023 → 10-12-2025
3 events
- 10-12-2025 Resigned· Director
- 21-09-2023 Appointed· Director
- 15-09-2023 Appointed· Director
+ 73 not shown in this overview
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
15 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| RENAUD DE BORMANCurrent Statutory auditor |
- | 17-12-2024 → present |
| Alain SERCKX Statutory auditor succeeded by SCPRL A. SERCKX in 2010 |
- | 12-07-2004 → 29-10-2010 |
| bvba Alain SERCKX Statutory auditor · represented by Alain SERCKX succeeded by S.P.R.L. Alain SERCKX in 2019 |
- | 19-07-2013 → 09-08-2019 |
| C Lebrun Statutory auditor |
- | - → 12-07-2004 |
| Françoise Carton de Wiart Statutory auditor succeeded by SCPRL A. SERCKX in 2010 |
- | 12-07-2004 → 29-10-2010 |
| Micheline Magera Statutory auditor succeeded by SCPRL A. SERCKX in 2010 |
- | 12-07-2004 → 29-10-2010 |
| Mohamed KHEDDOUMI Statutory auditor |
- | - → 05-07-2012 |
| P Jonet Statutory auditor |
- | - → 12-07-2004 |
| S.P.R.L. Alain SERCKX Statutory auditor succeeded by SRL RdB in 2022 |
- | 09-08-2019 → 12-09-2022 |
| SCPRL A. SERCKX Statutory auditor · represented by Alain SERCKX succeeded by SCPRL Alain SERCKX in 2013 |
- | 29-10-2010 → 19-07-2013 |
| SCPRL Alain SERCKX Statutory auditor · represented by Alain SERCKX succeeded by S.P.R.L. Alain SERCKX in 2019 |
- | 19-07-2013 → 09-08-2019 |
| SCPRL F. MAILLARD Statutory auditor · represented by Fernand Maillard succeeded by SCPRL Alain SERCKX in 2013 |
- | 29-10-2010 → 19-07-2013 |
| SRL RdB Statutory auditor · represented by Renaud de Borman succeeded by RENAUD DE BORMAN in 2024 |
- | 12-09-2022 → 17-12-2024 |
| Sylvie BOMELE MOLINGO Statutory auditor |
- | - → 05-07-2012 |
| Vanessa CUEVAS Statutory auditor |
- | - → 05-07-2012 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Coöperatieve vennootschap van publiek recht(716) |
| Incorporation | 24-06-1982 |
| Status | Active |
| Postal code | 1000 |
Structure & network
Connections & network
15 connected companiesGroup structure
Subsidiary · 14 locations
→
Subsidiary · 14 locations
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Subsidiary · 14 locations
→
Network connections
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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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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Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Parcels1
Ground area3.1 ha
Buildings1
Building footprint9,622 m²
Volume (LiDAR)134,517 m³
Tallest building30.3 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21813B0628/00P000 | Brussels | 3.1 ha | 1 · 9,622 m² | 30.2 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgian State Gazette · acts
80 verified actsWhat every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.
2026
06-08-2026
General meeting · Director resignation · Director appointment
- General meeting , 11/06/2026
- Director resignation, Yvan DE BEAUFFORT (administrateur)
- Director resignation, Audrey HENRY (administrateur)
- Director resignation, Karine LALIEUX (administrateur)
- Director appointment, Audrey HENRY (administratrice)
- Director appointment, Martin DE BRABANT (administrateur)
+1 further fact
06-08-2026
General meeting · Director resignation · Director appointment
- General meeting , 11/06/2026
- Director resignation, Yvan DE BEAUFFORT (bestuurster)
- Director resignation, Audrey HENRY (bestuurder)
- Director resignation, Karine LALIEUX (bestuurder)
- Director appointment, Audrey HENRY (bestuurster)
- Director appointment, Martin DE BRABANT (bestuurder)
+1 further fact
10-07-2026
Resignations & appointments
- Board meeting , 11/06/2026
- Power of attorney, Inne MERTENS (gestion journalière)
- Power of attorney, Laurent COPPENS (gestion journalière)
- Power of attorney, Raphaël LEFERE (gestion journalière (subrogation))
- Power of attorney, Laurent De WOLF (gestion journalière (subrogation))
- Power of attorney, Pierre NAVAUX (gestion journalière (subrogation))
+44 further facts
10-07-2026
Resignations & appointments
- Board meeting , 11/06/2026
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent DE WOLF
- Power of attorney, Pierre NAVAUX
+45 further facts
18-06-2026
Purpose · Statutes amendment
- Purpose change , La société est une intercommunale de financement, dont le but principal est de répondre aux besoins des communes bruxelloises ou le cas échéant de tiers intéres…
- Statutes amendment
- Power of attorney, Van Halteren Notaires
18-06-2026
Purpose · Statutes amendment
- Purpose change , Artikel 3 vervangen door nieuwe tekst over finaliteiten, waarden en doel (financiële intercommunale, energietransitie, Sibelga, etc.)
- Corporate purpose , De vennootschap is een financiële intercommunale ... Doel: Beheer deelneming Sibelga, verwerven/financieren/beheren deelnemingen energietransitie, bevorderen en…
- Statutes amendment
- Power of attorney, Van Halteren Notarissen
18-06-2026
Miscellaneous
- Power of attorney, Inne MERTENS
- Power of attorney, Inne MERTENS
18-06-2026
Miscellaneous
- Power of attorney, Inne MERTENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Thomas RAES
- Power of attorney, Laurent COPPENS
- Power of attorney, Daphné BENZENNOU
- Power of attorney, Geert GOETHALS
+8 further facts
04-02-2026
Resignations & appointments
- Board meeting , 15/01/2026
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent De WOLF
- Power of attorney, Pierre NAVAUX
+45 further facts
04-02-2026
Resignations & appointments
- Board meeting , 15/01/2026
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent DE WOLF
- Power of attorney, Pierre NAVAUX
+23 further facts
2025
10-12-2025
Resignations & appointments
- General meeting , 17/06/2025
- Director resignation, Christian BEOZIERE (administrateur)
- Director resignation, Adelheid BYTTEBIER (administrateur)
- Director resignation, Cathy CLERBAUX (administrateur)
- Director resignation, Caroline DUPONT (administrateur)
- Director resignation, Maxime BAUDAUX (administrateur)
+58 further facts
13-10-2025
Legal-form change · Resignations & appointments · Miscellaneous
- Director appointment, Blanche de Pierpont (administratrice représentant la commune de Watermael-Boitsfort)
- Director resignation, Marie-Noëlle Stassart (administratrice)
- Statutes amendment
- Power of attorney, Van Halteren Notaires
Show 12 older acts
What every Belgian State Gazette publication actually says, each act broken down into appointments, capital movements, seat moves and statute amendments.
2025
13-10-2025
Legal-form change · Resignations & appointments · Miscellaneous
- Director appointment, Blanche de Pierpont (bestuurder)
- Director resignation, Marie-Noëlle Stassart (bestuurder)
- Statutes amendment
- Power of attorney, het bestuursorgaan
- Power of attorney, Van Halteren Notarissen
2024
17-12-2024
Resignations & appointments
- General meeting , 18/06/2024
- Director resignation, Jos RAYMENANTS (administrateur)
- Director appointment, Suzanne RYVERS (administratrice)
- Director resignation, Bernard GUILLAUME (administrateur)
- Director appointment, Maxime BAUDAUX (administrateur)
- Director resignation, Emel DOGANCAN (administratrice)
+2 further facts
17-12-2024
Resignations & appointments
- General meeting , 18/06/2024
- Director resignation, Jos RAYMENANTS (bestuurder)
- Director appointment, Suzanne RYVERS (bestuurder)
- Director resignation, Bernard GUILLAUME (bestuurder)
- Director appointment, Maxime BAUDAUX (bestuurder)
- Director resignation, Emel DOGANCAN (bestuurder)
+2 further facts
28-10-2024
Resignations & appointments
- Board meeting , 17/09/2024
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent DE WOLF
- Power of attorney, Pierre NAVAUX
+43 further facts
28-10-2024
Resignations & appointments
- Board meeting , 17/09/2024
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent De WOLF
- Power of attorney, Pierre NAVAUX
+23 further facts
30-04-2024
Resignations & appointments
- Power of attorney, Inne MERTENS
- Power of attorney, Sébastien DELBARY
- Power of attorney, Sébastien DELBARY
- Power of attorney, Sébastien DELBARY
- Power of attorney, Quentin PEIFFER
- Power of attorney, INTERFIN
22-02-2024
Resignations & appointments
- Power of attorney, Inne MERTENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent COPPENS
- Power of attorney, Sébastien DELBARY
- Power of attorney, Quentin PEIFFER
- Power of attorney, Alexandra MARLIER
+2 further facts
2023
21-09-2023
Resignations & appointments
- General meeting , 20/06/2023
- Director resignation, Boris DILLIES (bestuurder)
- Director appointment, Michel COHEN (bestuurder)
- Director resignation, Aydin ORHAN (bestuurder)
- Director appointment, Christophe KURT (bestuurder)
15-09-2023
Resignations & appointments
- General meeting , 20/06/2023
- Director resignation, Boris DILLIES (administrateur)
- Director appointment, Michel COHEN (administrateur)
- Director resignation, Aydin ORHAN (administrateur)
- Director appointment, Christophe KURT (administrateur)
02-02-2023
Resignations & appointments
- Board meeting , 20/12/2022
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent DE WOLF
- Power of attorney, Pierre NAVAUX
+27 further facts
02-02-2023
Resignations & appointments
- Board meeting , 20/12/2022
- Power of attorney, Inne MERTENS
- Power of attorney, Laurent COPPENS
- Power of attorney, Raphaël LEFERE
- Power of attorney, Laurent De WOLF
- Power of attorney, Pierre NAVAUX
+49 further facts
2022
12-09-2022
Resignations & appointments
- General meeting , 2022-06-21
- Director resignation, Mustapha AMRANI (administrateur)
- Director appointment, Anas BEN ABDELMOUMEN (administrateur)
- Director resignation, Lotfi MOSTEFA (administrateur)
- Director appointment, M'Hamed BENALLAL (administrateur)
- Director resignation, Valérie COPS (administratrice)
+4 further facts
Showing the 24 most recent of 80 acts. Full history
Analysis
Snowflake analysis
financial profile on 5 axes58
/ 100
Mixed profile: strong on stability, weaker on health.
Health
0
Profitability
44
Solvency
69
Growth
78
Stability
100
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Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
| Legal nameFR | INTERFIN |
| Legal nameNL | INTERFIN |
Registered office
Werkhuizenkaai 16
1000 Brussel, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.