Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 63 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 21.7 to 18.6.
Financials
Financial year 2025
A.D. INTER from De Panne, company number BE0412881686, closed financial year 2025 with a result of € 50,571 after tax. For that financial year A.D. INTER recorded a gross margin of € 1.1 million and equity of € 822,489. Compared with financial year 2024, the result moved from € 86,680 to € 50,571. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on April 24, 2026.
€ 822,489
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 50,571
▼ 42% vs 2024
Profit after tax over the fiscal year.
€ 634,509
▲ 93% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 45,000 paid out
89 % of the profit went to the shareholders, mostly to BEL@RT (100 % of the shares). That is where the money ends up.
People and assets in 2025
18.6
▼ 1.9 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 929,443
▼ 6% vs 2024
€ 50,000 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 141,217
▼ 22% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 46,818
▼ 49% vs 2024
Loans from banks and other lenders, long and short.
€ 799,231
▼ 20% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 217,508
▲ 49% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 871,359 | € 1,224,462 | € 1,249,017 | € 1,149,956 | ▼ 8% |
| Profit after taxes | € -54,314 | € 43,556 | € 86,680 | € 50,571 | ▼ 42% |
| Equity | € 721,682 | € 765,238 | € 816,918 | € 822,489 | ▲ 1% |
| Total debts | € 1,304,923 | € 1,252,161 | € 1,571,804 | € 1,713,408 | ▲ 9% |
| Cash | € 172,864 | € 278,170 | € 328,089 | € 634,509 | ▲ 93% |
| Retained profit | € 451,682 | € 495,238 | € 546,918 | € 552,489 | ▲ 1% |
| Dividend | € 0 | € 0 | € 35,000 | € 45,000 | ▲ 29% |
| Bank debt | € 202,885 | € 140,778 | € 92,381 | € 46,818 | ▼ 49% |
| Balance sheet total | € 2,026,604 | € 2,017,399 | € 2,388,722 | € 2,535,897 | ▲ 6% |
| Employees (FTE) | 23.3 | 21.7 | 20.5 | 18.6 | ▼ 1.9 |
Key figures of A.D. INTER, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to A.D. INTER?
What happened at A.D. INTER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 50,571 (▼ 42% vs 2024). Source: NBB ↗
- Beneoz became a director. NBB
- Bel@rt became a director. NBB
- New establishment in De Panne. KBO
- Start of the company according to the CBE. KBO
In short
From € 54,314 loss in 2022 to € 50,571 profit in 2025.
Paid € 112,012 in corporate taxes since 2022.
Best year ever: 2024, with € 86,680 profit.
On average € 61,800 of value added per employee in 2025.
Management
The stake of BEL@RT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
A.D. INTERBehind A.D. INTER are Beneoz and Bel@rt. The shares are held by BEL@RT (100%).
Directors
According to the 2025 annual accounts
since 2022
Director · represented by Bert Wullaert
since 2022
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Duinhoekstraat 9
8660 De Panne
De Pannelaan 102
8660 De Panne
Active since 1 February 1973
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0412.881.686
- VAT number
- BE 0412.881.686
- Registered office
- Duinhoekstraat 9, 8660 De Panne
- Names & denominations
- A.D. INTER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 28 December 1972
- Peppol
- Active · Active since 23 Jan 2026
- Activities · NACE
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Supermarkten (verkoopsoppervlakte tussen 400 m2 en minder dan 2.500 m2)
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