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INTERSET

Active
Private limited companyfounded 1988active for 37 yearsBekaertstraat(Z) 2C, 8550 Zwevegem, BelgiumKBO/BCE: BE 0436.174.257
Summary

The computed 12-month bankruptcy probability of INTERSET is 2.0% (moderate). The annual accounts of INTERSET for financial year 2025 show a net loss of 94% of the equity at the start of that year. The 2025 annual accounts show equity of €4,920 and a net result of -€73,170. Equity is shrinking by about 23% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2026. Its solvency ranks better than 15% of 353 sector peers (NACE 18, financial year 2025). The company has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Pre-press and pre-media services
NACE 18130Advertising agencies NACE 73110
1 site
Size
€163,330total assets 2025
Staff
2.3 FTE
Equity
€4,920
Loss
-€73,170
Turnover not published (abbreviated or micro format)
Financial health
51 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.0%
Structure
Parent
Artoroom Comm. V.
Accounts 39 days early0 of 6 deeds read
Why 51raises riskLoss of €73,170 (financial year 2025)Equity €4,920 (3.0% of total assets)Sector: Printing and reproduction of recorded media (NACE 18)lowers riskFounded in 1988Show the evidence

Checked score

Score 2025
51 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 12% of its sector peers (NACE 18, micro)
Financial strength · tick = 2024
Weak
Solvency 28-41
equity 3.0% of total assets
Liquidity 32-19
short-term debt 70.5% · cash 16.0%
Profitability 0-100
return on assets -44.8%
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,608 companies, NACE 18, micro)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● unchanged vs 11-2024 01-2025: 0.9%● unchanged vs 12-2024 02-2025: 0.9%● unchanged vs 01-2025 03-2025: 0.9%● unchanged vs 02-2025 04-2025: 1.0%▲ +0.1 percentage points vs 03-2025 05-2025: 1.2%▲ +0.2 percentage points vs 04-2025 06-2025: 0.4%▼ -0.8 percentage points vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.5%▲ +0.1 percentage points vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.3%▼ -0.2 percentage points vs 07-2026lowest value 09-2026: 0.4%▲ +0.1 percentage points vs 08-2026 10-2026: 2.0%▲ +1.6 percentage points vs 09-2026highest value
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity insufficient (current ratio 0.7, compared with 1.49 in 2024, below 1; short-term debt: 70.5% and cash: 16% of total assets), and 97% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 18, micro): better than 17% on solvency, 20% on liquidity, 6% on profitability and 4% on growth.

The bankruptcy probability was computed on 15-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €73,170 (financial year 2025)
NBB · annual accounts
raises risk · Equity €4,920 (3.0% of total assets)
NBB · annual accounts
raises risk · Sector: Printing and reproduction of recorded media (NACE 18)
KBO
lowers risk · Founded in 1988
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 353 sector peers (2025).
NBB · sector comparison
Position among 353 sector peers
Solvency
better than 15%
← weakest strongest →
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 22-06-2026, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
39 days early
2024
70 days early
2023
61 days early
2022
39 days early
2021
59 days early
2020
23 days early
2019
52 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 49 days before the deadline; the sector median (NACE 18) for financial year 2024 is 5 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 2 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
16-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Highest result from 2018 to 2025net €47,102 ▲121%

Key points

  • Caution: Equity fell in 2025from €78,090 to €4,920 ▼ 93.7% View
  • Caution: Among the weakest 9% on net resultsector median €11,499 · 353 companies -€73,170 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Controlled by Artoroom Comm. V. parent View

By topic

Financials

Financial year
2025
Total assets
€163,330
Loss
-€73,170
Solvency
3.0%
Total assets▼ 7.0%
Net result
20182025
Go to Financials

Timeline

Events
39
Since
1990
Next accounts
by 31-07-2027
  1. 31-05-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 22-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Pre-press and pre-media servicesNACE 18130
Founded
15-12-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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