INTERMEDIAT
ActiveINTERMEDIAT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €329k and a net result of €105k. Equity is growing by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 94 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+23
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 7.7 against 2.05 in 2024; short-term debt: 12.7% and cash: 62.1% of total assets), and 12.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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
87.3%
Return on assets
27.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 80
Relative position
BE, all sectors
reference
Sector 80
lower
← fewer bankruptcies
more bankruptcies →
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 19-03-2026, 134 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
134 d early
2024
44 d early
2023
160 d early
2022
118 d early
2021
3 d late
2020
16 d early
2019
39 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€329k▲ 47.0%
2024 · €224k
2018: €69k
2019: €69k
2020: €69k
2021: €69k
2022: €69k
2023: €201k
2024: €224k
2018 → 2025
Total assets
€376k▼ 12.4%
2024 · €429k
2018: €202k
2019: €275k
2020: €294k
2021: €292k
2022: €366k
2023: €451k
2024: €429k
2018 → 2025
Net result
€105k▼ 42.3%
2024 · €182k
2018: €57k
2019: €76k
2020: €77k
2021: €83k
2022: €65k
2023: €212k
2024: €182k
2018 → 2025
Working capital
€319k▲ 47.1%
2024 · €217k
2018: €50k
2019: €49k
2020: €47k
2021: €35k
2022: €50k
2023: €186k
2024: €217k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€69k=€201k▲ 190%€224k▲ 11.0%€329k▲ 47.0%
Operating result€111k-€100k▼ 10.4%€293k▲ 194%€248k▼ 15.4%€144k▼ 42.0%
Net result€83k-€65k▼ 22.4%€212k▲ 229%€182k▼ 14.2%€105k▼ 42.3%
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 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €376k
Fixed assets
€9k▲ 39.0%
Current assets
€367k▼ 13.2%
Equity and liabilities €376k
Equity
€329k▲ 47.0%
Debt
€48k▼ 76.9%
The debt ratio falls from 48.0% to 12.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€146k▼
2024 · €250k
Cash flow
€107k▼
2024 · €184k
Solvency
87.3%▲
2024 · 52.0%
Current ratio
7.70▲
2024 · 2.05
Quick ratio
7.70▲
2024 · 2.05
Debt / equity
0.15▼
2024 · 0.92
ROE
32.0%▼
2024 · 81.5%
ROA
27.9%▼
2024 · 42.4%
Interest coverage
214.43▲
2024 · 97.29
Debt
€48k▼
2024 · €206k
Debt ≤ 1 year
€48k▼
2024 · €206k
Income taxes
€38k▼
2024 · €63k
Staff costs
€191▼
2024 · €56k
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€429k€376k▼
Fixed assets21/28€7k€9k▲
Tangible fixed assets22/27€3k€6k▲
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€4k€4k=
Current assets29/58€423k€367k▼
Amounts receivable within one year40/41€180k€133k▼
Trade receivables40€172k€81k▼
Other amounts receivable41€7k€52k▲
Cash at bank and in hand54/58€241k€234k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€429k€376k▼
Equity10/15€224k€329k▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€161k€266k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€154k€259k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€206k€48k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€206k€48k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€7k€0▼
Credit institutions430/8€7k€0▼
Trade debts44€7k€19k▲
Suppliers440/4€7k€19k▲
Taxes, remuneration and social security45€11k€1k▼
Taxes450/3€11k€1k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€181k€27k▼
Accrued charges and deferred income492/3€233€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€56k€191▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€2k€785▼
Non-recurring operating charges66A€3k€9k▲
Gross operating margin9900€311k€156k▼
Operating profit (loss)9901€248k€144k▼
Financial income75/76B€0€23▲
Recurring financial income75€0€23▲
Financial charges65/66B€3k€679▼
Recurring financial charges65€3k€679▼
Profit (loss) for the period before taxes9903€245k€143k▼
Income taxes67/77€63k€38k▼
Profit (loss) for the period9904€182k€105k▼
Profit (loss) for the period to be appropriated9905€182k€105k▼
Appropriation of the result
Profit (loss) to be appropriated9906€314k€105k▼
Profit (loss) brought forward from the previous period14P€132k€0▼
Transfer to equity691/2€154k€105k▼
To other reserves6921€154k€105k▼
Profit to be distributed694/7€160k€0▼
Return on contributions (dividend)694€160k€0▼
Social balance
Average headcount (FTE)90871.10.0▼
The notes to these accounts (11 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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 7.70
Current ratio from 2.05 to 7.70; short-term debt falls from €206k to €48k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €212k ▲229%
Operating result €293k, net result €212k, both a record.
31-12
Financial
Equity above €200kEq €201k ▲190%
6 profitable years in a row build equity to €201k.
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2000
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.
Oud Arenberg(KIE) 3A9130 Beveren-Kruibeke-ZwijndrechtGround area
1,065 m²
Building footprint
231 m²
Volume, LiDAR
2,367 m³
Parcel 46012C0011/00H002, Flanders · tallest building 17.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Oud Arenberg(KIE) 3A, 9130 Beveren-Kruibeke-Zwijndrecht
since 20002.097.637.965
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46012C0011/00H002 | Flanders | 1,065 m² | 1 · 231 m² | 17.5 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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ANCIEN COMPTOIR TISTHOUD
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CYP SECURITY
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Of 700 companies in sector 80010 we hold annual accounts for 349. 235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-08-2000
Fiscal year end31-12
Activities, NACEBEL
80010Investigation and private security services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.