INTERTEXT
ActiveSummary
INTERTEXT has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €26k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 79% of 681 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+7
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 6.02 against 9.37 in 2024; short-term debt: 15.7% and cash: 74.8% of total assets), and 15.7% 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○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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Publishing activities (NACE 58)
about 30% fewer bankruptcies
← 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
84.3%
Return on assets
13.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
4 d late
2023
49 d early
2022
31 d late
2021
29 d late
2020
18 d late
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▲ 17.2%
2024 · €142k
2018: €101klowest in 8 years
2019: €112k▲ +10.4% vs 2018
2020: €111k▼ -0.6% vs 2019
2021: €121k▲ +9.3% vs 2020
2022: €122k▲ +0.2% vs 2021
2023: €130k▲ +7.2% vs 2022
2024: €142k▲ +9.2% vs 2023
2025: €167k▲ +17.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€198k▲ 25.3%
2024 · €158k
2018: €130k
2019: €122k▼ -5.8% vs 2018lowest in 8 years
2020: €142k▲ +16.1% vs 2019
2021: €155k▲ +9.7% vs 2020
2022: €144k▼ -7.0% vs 2021
2023: €151k▲ +4.8% vs 2022
2024: €158k▲ +4.3% vs 2023
2025: €198k▲ +25.3% vs 2024highest in 8 years
2018 → 2025
Net result
€26k▲ 117%
2024 · €12k
2018: €25k
2019: €11k▼ -57.1% vs 2018
2020: €903▼ -91.4% vs 2019lowest in 8 years
2021: €12k▲ +1219% vs 2020
2022: €1k▼ -91.2% vs 2021
2023: €9k▲ +731% vs 2022
2024: €12k▲ +38.2% vs 2023
2025: €26k▲ +117% vs 2024highest in 8 years
2018 → 2025
Working capital
€155k▲ 19.8%
2024 · €130k
2018: €96klowest in 8 years
2019: €106k▲ +10.7% vs 2018
2020: €96k▼ -9.6% vs 2019
2021: €106k▲ +11.2% vs 2020
2022: €109k▲ +2.7% vs 2021
2023: €116k▲ +6.7% vs 2022
2024: €130k▲ +11.5% vs 2023
2025: €155k▲ +19.8% 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€121k-€122k▲ 0.2%€130k▲ 7.2%€142k▲ 9.2%€167k▲ 17.2%
2021: €121klowest in 5 years
2022: €122k▲ +0.2% vs 2021
2023: €130k▲ +7.2% vs 2022
2024: €142k▲ +9.2% vs 2023
2025: €167k▲ +17.2% vs 2024highest in 5 years
Operating result€18k-€8k▼ 55.7%€12k▲ 53.4%€18k▲ 45.1%€40k▲ 122%
2021: €18k
2022: €8k▼ -55.7% vs 2021lowest in 5 years
2023: €12k▲ +53.4% vs 2022
2024: €18k▲ +45.1% vs 2023
2025: €40k▲ +122% vs 2024highest in 5 years
Net result€12k-€1k▼ 91.2%€9k▲ 731%€12k▲ 38.2%€26k▲ 117%
2021: €12k
2022: €1k▼ -91.2% vs 2021lowest in 5 years
2023: €9k▲ +731% vs 2022
2024: €12k▲ +38.2% vs 2023
2025: €26k▲ +117% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 122% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€11k ▼ 9.6%
Current assets
€186k ▲ 28.3%
Equity and liabilities €198k
Equity
€167k ▲ 17.2%
Debt
€31k ▲ 99.6%
Debt's share of the balance-sheet total rises from 9.8% to 15.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€42k▲
2024 · €21k
Cash flow
€28k▲
2024 · €15k
Current ratio
6.02▼
2024 · 9.37
Debt to equity
0.19▲
2024 · 0.11
ROE
15.7%▲
2024 · 8.5%
ROA
13.2%▲
2024 · 7.6%
Interest coverage
55.87▲
2024 · 25.45
Debt ≤ 1 year
€31k▲
2024 · €16k
Income taxes
€14k▲
2024 · €5k
Staff costs
€54k▲
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€158k€198k▲
Fixed assets21/28€12k€11k▼
Tangible fixed assets22/27€12k€11k▼
Land and buildings22€11k€9k▼
Furniture and vehicles24€1k€2k▲
Current assets29/58€145k€186k▲
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€12k€7k▼
Other amounts receivable41€1k€5k▲
Current investments50/53€26k€26k=
Cash at bank and in hand54/58€106k€148k▲
Equity and liabilities
Total equity and liabilities10/49€158k€198k▲
Equity10/15€142k€167k▲
Contributions10/11€19k€19k=
Reserves13€124k€148k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€122k€146k▲
Amounts payable17/49€16k€31k▲
Amounts payable within one year42/48€16k€31k▲
Current portion of amounts payable after more than one year42€226-
Trade debts44€572€3k▲
Suppliers440/4€572€3k▲
Taxes, remuneration and social security45€14k€26k▲
Taxes450/3€8k€19k▲
Remuneration and social security454/9€6k€6k▲
Other amounts payable47/48€509€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€52k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€518€720▲
Gross operating margin9900€74k€97k▲
Operating profit (loss)9901€18k€40k▲
Financial income75/76B€1€976▲
Recurring financial income75€1€976▲
Financial charges65/66B€824€760▼
Recurring financial charges65€824€760▼
Profit (loss) for the period before taxes9903€17k€40k▲
Income taxes67/77€5k€14k▲
Profit (loss) for the period9904€12k€26k▲
Profit (loss) for the period to be appropriated9905€12k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€12k€26k▲
Transfer to equity691/2€12k€24k▲
To other reserves6921€12k€24k▲
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (5 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 | €42k | €47k | €53k | €52k | €54k | ▲ 3.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €2k | €3k | €3k | €2k | ▼ 20.7% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €2k | - | - | - |
| Other operating charges640/8 | €799 | €774 | €368 | €518 | €720 | ▲ 38.9% |
| Gross operating margin9900 | €64k | €58k | €71k | €74k | €97k | ▲ 31.6% |
| Operating profit (loss)9901 | €18k | €8k | €12k | €18k | €40k | ▲ 122% |
| Financial income75/76B | €216 | €33 | €2k | €1 | €976 | ▲ 112,138% |
| Recurring financial income75 | €216 | €33 | €2k | €1 | €976 | ▲ 112,138% |
| Financial charges65/66B | €1k | €6k | €1k | €824 | €760 | ▼ 7.8% |
| Recurring financial charges65 | €1k | €6k | €1k | €824 | €760 | ▼ 7.8% |
| Profit (loss) for the period before taxes9903 | €17k | €2k | €13k | €17k | €40k | ▲ 134% |
| Income taxes67/77 | €5k | €1k | €4k | €5k | €14k | ▲ 174% |
| Profit (loss) for the period9904 | €12k | €1k | €9k | €12k | €26k | ▲ 117% |
| Profit (loss) for the period to be appropriated9905 | €12k | €1k | €9k | €12k | €26k | ▲ 117% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €155k | €144k | €151k | €158k | €198k | ▲ 25.3% |
| Fixed assets21/28 | €15k | €14k | €15k | €12k | €11k | ▼ 9.6% |
| Tangible fixed assets22/27 | €15k | €14k | €15k | €12k | €11k | ▼ 9.6% |
| Land and buildings22 | €12k | €12k | €13k | €11k | €9k | ▼ 17.7% |
| Furniture and vehicles24 | €3k | €2k | €2k | €1k | €2k | ▲ 61.2% |
| Current assets29/58 | €140k | €130k | €136k | €145k | €186k | ▲ 28.3% |
| Amounts receivable within one year40/41 | €12k | €14k | €25k | €13k | €12k | ▼ 8.1% |
| Trade receivables40 | €11k | €14k | €25k | €12k | €7k | ▼ 39.1% |
| Other amounts receivable41 | €725 | - | - | €1k | €5k | ▲ 362% |
| Current investments50/53 | €32k | €27k | €26k | €26k | €26k | = |
| Cash at bank and in hand54/58 | €95k | €85k | €85k | €106k | €148k | ▲ 39.9% |
| Deferred charges and accrued income490/1 | €455 | €4k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €155k | €144k | €151k | €158k | €198k | ▲ 25.3% |
| Equity10/15 | €121k | €122k | €130k | €142k | €167k | ▲ 17.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €103k | €103k | €112k | €124k | €148k | ▲ 19.8% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €101k | €101k | €110k | €122k | €146k | ▲ 20.1% |
| Amounts payable17/49 | €34k | €23k | €21k | €16k | €31k | ▲ 99.6% |
| Amounts payable after more than one year17 | - | €2k | €226 | - | - | - |
| Financial debts170/4 | - | €2k | €226 | - | - | - |
| Amounts payable within one year42/48 | €34k | €21k | €19k | €16k | €31k | ▲ 99.6% |
| Current portion of amounts payable after more than one year42 | - | €1k | €1k | €226 | - | - |
| Trade debts44 | €1k | €2k | €51 | €572 | €3k | ▲ 365% |
| Suppliers440/4 | €1k | €2k | €51 | €572 | €3k | ▲ 365% |
| Taxes, remuneration and social security45 | €31k | €14k | €16k | €14k | €26k | ▲ 80.4% |
| Taxes450/3 | €21k | €9k | €10k | €8k | €19k | ▲ 135% |
| Remuneration and social security454/9 | €10k | €5k | €6k | €6k | €6k | ▲ 3.9% |
| Other amounts payable47/48 | €2k | €4k | €2k | €509 | €3k | ▲ 427% |
| Accrued charges and deferred income492/3 | - | - | €1k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12k | €1k | €9k | €12k | €26k | ▲ 117% |
| + Depreciation and write-downs630 | €3k | €2k | €3k | €3k | €2k | ▼ 20.7% |
| Operating cash flow (approximation) | €15k | €3k | €12k | €15k | €28k | ▲ 90.2% |
| Investment in fixed assets (approximation) | - | €-1k | €-4k | €0 | €-1k | - |
| Change in cash | - | €-11k | €397 | €21k | €42k | ▲ 104% |
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €26k ▲117%
Operating result €40k, net result €26k, both a record.
31-12
Financial
Equity above €150kEq €167k ▲17.2%
8 profitable years in a row build equity to €167k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Weakest financial yearnet €903 ▼91.4%
Net result drops to €903, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 11.75
Current ratio from 4.55 to 11.75; short-term debt falls from €27k to €10k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 1993
Ground area
5,681 m²
Building footprint
4,504 m²
Volume, LiDAR
25,826 m³
Parcel 11811L3986/00A000, Flanders · tallest building 34.9 m, ±2 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Gentplaats 12, 2000 Antwerpen
since 19932.060.209.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3986/00A000 | Flanders | 5,681 m² | 1 · 4,504 m² | 34.9 m · 2 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.
Similar companies · same sector, comparable size
POP SYSTEMS INTERNATIONAL
BE 0463.914.574
Welkenraedt · Eq €167,569
Art 54
BE 0795.396.040
Nivelles · Eq €167,720
SHEEP ESPORTS
BE 1001.772.250
Elsene · Eq €163,871
MAZZELTOFF
BE 0877.709.448
Hasselt · Eq €169,800
AUTOVISTA BENELUX
BE 0427.243.329
Brussel · Eq €160,869
Of 718 companies in sector 58190 we hold annual accounts for 214. 148 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)
Founded15-12-1992
Fiscal year end31-12
Activities, NACEBEL 2025
18130Pre-press and pre-media services
58190Other publishing activities, excluding software publishing
46499Wholesale of other household goods
Scores and ratios are computed by Checked and are not a credit decision.