Interieur Waerniers
ActiveInterieur Waerniers has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €40k. Equity is growing by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 41% of 401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency68▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.37 in 2024), but 65.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← fewer bankruptcies
more bankruptcies →
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
34.9%
Return on assets
18.4%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
8 d early
2024
15 d early
2023
6 d early
2022
22 d late
2021
100 d late
2020
89 d late
2019
119 d late
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 38.7%
2024 · €55k
2018: €22k
2019: €44k
2020: €63k
2021: €64k
2022: €64k
2023: €57k
2024: €55k
2018 → 2025
Total assets
€217k▲ 49.1%
2024 · €145k
2018: €185k
2019: €200k
2020: €230k
2021: €177k
2022: €181k
2023: €127k
2024: €145k
2018 → 2025
Net result
€40k▼ 11.1%
2024 · €45k
2018: €10k
2019: €22k
2020: €19k
2021: €609
2022: €140
2023: €5k
2024: €45k
2018 → 2025
Working capital
€69k▲ 106%
2024 · €34k
2018: €24k
2019: €49k
2020: €51k
2021: €32k
2022: €22k
2023: €31k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€64k▲ 0.2%€57k▼ 11.2%€55k▼ 3.4%€76k▲ 38.7%
Operating result€8k-€4k▼ 51.8%€13k▲ 239%€65k▲ 380%€63k▼ 2.5%
Net result€609-€140▼ 77.0%€5k▲ 3,585%€45k▲ 770%€40k▼ 11.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€32k▲ 53.2%
Current assets
€185k▲ 48.4%
Equity and liabilities €217k
Equity
€76k▲ 38.7%
Debt
€141k▲ 55.3%
The debt ratio rises from 62.4% to 65.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€77k▲
2024 · €73k
Cash flow
€54k▲
2024 · €53k
Solvency
34.9%▼
2024 · 37.6%
Current ratio
1.60▲
2024 · 1.37
Quick ratio
1.46▲
2024 · 1.16
Debt / equity
1.86▲
2024 · 1.66
ROE
52.6%▼
2024 · 82.2%
ROA
18.4%▼
2024 · 30.9%
Interest coverage
36.60▼
2024 · 57.03
Debt
€141k▲
2024 · €91k
Debt ≤ 1 year
€115k▲
2024 · €91k
Debt > 1 year
€26k
Income taxes
€21k▲
2024 · €18k
Staff costs
€153k▲
2024 · €138k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€145k€217k▲
Fixed assets21/28€21k€32k▲
Tangible fixed assets22/27€21k€32k▲
Land and buildings22€71€0▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€5k€30k▲
Other tangible fixed assets26€12k€0▼
Current assets29/58€124k€185k▲
Stocks and contracts in progress3€19k€17k▼
Stocks30/36€19k€17k▼
Amounts receivable within one year40/41€35k€30k▼
Trade receivables40€24k€13k▼
Other amounts receivable41€11k€17k▲
Cash at bank and in hand54/58€64k€136k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€145k€217k▲
Equity10/15€55k€76k▲
Contributions10/11€100€100=
Reserves13€54k€76k▲
Distributable reserves133€54k€76k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€91k€141k▲
Amounts payable after more than one year17-€26k
Financial debts170/4-€26k
Amounts payable within one year42/48€91k€115k▲
Current portion of amounts payable after more than one year42€1k€7k▲
Trade debts44€35k€56k▲
Suppliers440/4€35k€56k▲
Advances received on contracts in progress46-€28k
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€45k€19k▼
Income statement
Code20242025
Remuneration, social security and pensions62€138k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€14k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€0▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€12k
Gross operating margin9900€223k€244k▲
Operating profit (loss)9901€65k€63k▼
Financial income75/76B€61€344▲
Recurring financial income75€61€344▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€63k€61k▼
Income taxes67/77€18k€21k▲
Profit (loss) for the period9904€45k€40k▼
Profit (loss) for the period to be appropriated9905€45k€40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€40k▼
Transfer from equity791/2€32k€19k▼
Transfer to equity691/2€30k€40k▲
To other reserves6921€30k€40k▲
Profit to be distributed694/7€47k€19k▼
Return on contributions (dividend)694€32k€19k▼
Directors or managers695€15k€0▼
The notes to these accounts (9 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €45k ▲770%
Operating result €65k, net result €45k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €140 ▼77%
Net result drops to €140, the lowest in the series; recovery starts the following year.
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 100 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 89 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ichtegem · 1 establishment unit since 2017
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.
Kortemarkstraat(Icht) 678480 IchtegemGround area
869 m²
Building footprint
122 m²
Volume, LiDAR
757 m³
Parcel 35006C0553/00E002, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Interieur Waerniers
since 20172.265.077.979
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35006C0553/00E002 | Flanders | 869 m² | 1 · 122 m² | 7.7 m · 2 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.
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Of 1,496 companies in sector 31004 we hold annual accounts for 615. 455 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-05-2017
Fiscal year end31-12
Activities, NACEBEL
31004Manufacture of dining room, living room, bedroom and bathroom furniture
41001General construction of residential buildings
43332Laying of wooden floor and wall coverings
43343Specialised construction activities
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.