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 62 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Industrie - Négoce - Confort - Hygiène from Tournai, company number BE0415056862, closed financial year 2025 with a result of € -185,321 after tax. For that financial year Industrie - Négoce - Confort - Hygiène recorded a gross margin of € 952,210 and equity of € 651,491. Compared with financial year 2024, the result moved from € 30,432 to € -185,321. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 17, 2026.
€ 651,491
▼ 22% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -185,321
▼ still € 30,432 profit in 2024
Profit after tax over the fiscal year.
€ 282,742
▲ 5% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 350,560.
People and assets in 2025
11.1
▼ 0.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 901,834
▲ 9% vs 2024
€ 81,200 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.
€ 59,634
▼ 24% vs 2024
Of which on lease € 57,735.
Debts at end 2025
€ 1.8 million
▼ 4% vs 2024
€ 62,341 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 770,072
▲ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 126,412
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,042,671 | € 1,167,289 | € 1,116,175 | € 952,210 | ▼ 15% |
| Profit after taxes | € 18,454 | € 41,766 | € 30,432 | € -185,321 | ▼ € 215,754 |
| Equity | € 764,614 | € 806,380 | € 836,813 | € 651,491 | ▼ 22% |
| Total debts | € 2,930,749 | € 2,584,818 | € 2,785,854 | € 2,717,765 | ▼ 2% |
| Cash | € 285,427 | € 241,674 | € 269,274 | € 282,742 | ▲ 5% |
| Land & buildings | € 257,582 | € 247,394 | € 237,206 | € 227,018 | ▼ 4% |
| Retained profit | € 463,682 | € 505,448 | € 535,881 | € 350,560 | ▼ 35% |
| Bank debt | € 1,600,000 | € 1,670,733 | € 1,842,424 | € 1,777,659 | ▼ 4% |
| Balance sheet total | € 3,755,167 | € 3,451,002 | € 3,682,470 | € 3,429,060 | ▼ 7% |
| Employees (FTE) | 12.4 | 11.3 | 11.5 | 11.1 | ▼ 0.4 |
Key figures of Industrie - Négoce - Confort - Hygiène, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Industrie - Négoce - Confort - Hygiène?
What happened at Industrie - Négoce - Confort - Hygiène in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bertrand Joris stepped down as director. NBB
- Christian Van Thillo stepped down as director. NBB
- Michèle Sioen stepped down as director. NBB
- Olivier Boiteau stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 185,321 (▼ € 215,754 vs 2024). Source: NBB ↗
- Olivier Boiteau became a director. NBB
- Bertrand Joris became a director. NBB
- Christian Van Thillo became a director. NBB
In short
From € 18,454 profit in 2022 to € 185,321 loss in 2025.
Paid € 56,593 in corporate taxes since 2022.
Best year ever: 2023, with € 41,766 profit.
On average € 85,800 of value added per employee in 2025.
Management
Directors
According to the 2025 annual accounts
Olivier Boiteau
Director
since 2023 · until 2028
Bertrand Joris
Managing director
since 2023 · until 2029
Christian Van Thillo
Director
Also active at: Concours Musical International Reine Elisabeth de Belgique
since 2023 · until 2029
Michèle Sioen
Director
Also active at: "IMMOBEL" OU "COMPAGNIE IMMOBILIERE DE BELGIQUE " OU " IMMOBILIEN VENNOOTSCHAP VAN BELGIE", AVIETA, COATEX, SIOEN INDUSTRIES, M.J.S. CONSULTING, SIHOLD, SIOEN FABRICS, SICORP +8 more
since 2023 · until 2029
Establishments
Establishment units
Physical locations of this company
Rue du Mont des Carliers(BL) 20
7522 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0415.056.862
- VAT number
- BE 0415.056.862
- Registered office
- Rue du Mont des Carliers(BL) 20, 7522 Tournai
- Names & denominations
- Industrie - Négoce - Confort - Hygiène · I.N.C.H.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 April 1975
- Peppol
- Active · Active since 19 Jan 2026
- Activities · NACE
Vervaardiging van beddengoed, tafellinnen en textielwaren voor huishoudelijk gebruik
Confectie van beddengoed, tafellinnen en textielwaren voor huishoudelijk gebruik
Vervaardiging van gebreide en gehaakte stoffen