Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
-
Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
INTACT LIFE from Wavre, company number BE0691651669, closed financial year 2025 with a result of € -36,196 after tax. For that financial year INTACT LIFE recorded a gross margin of € 58,973 and equity of € 36,804. Compared with financial year 2024, the result moved from € -13,863 to € -36,196. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 36,804
▼ 50% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -36,196
▼ 161 % more loss than in 2024
Profit after tax over the fiscal year.
€ 25,945
▼ 15% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -38,196.
People and assets in 2025
1.5
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 89,671
▲ 17% vs 2024
€ 59,800 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.
€ 1,474
▼ 25% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 605,653
▼ 1% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 16,734
▲ 51% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 23,020 | € 24,701 | € 71,201 | € 58,973 | ▼ 17% |
| Profit after taxes | € 23,613 | € 21,468 | € -13,863 | € -36,196 | ▼ € 22,332 |
| Equity | € 65,396 | € 86,863 | € 73,000 | € 36,804 | ▼ 50% |
| Total debts | € 526,833 | € 528,507 | € 803,842 | € 811,407 | ▲ 1% |
| Cash | € 69,331 | € 31,820 | € 30,680 | € 25,945 | ▼ 15% |
| Retained profit | € -9,604 | € 11,863 | € -2,000 | € -38,196 | ▼ € 36,196 |
| Balance sheet total | € 592,228 | € 615,371 | € 876,842 | € 848,211 | ▼ 3% |
| Employees (FTE) | - | 0.2 | 1.7 | 1.5 | ▼ 0.2 |
Key figures of INTACT LIFE, 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 INTACT LIFE?
What happened at INTACT LIFE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Nathalie CELIS stepped down as director. NBB
- Tatiana PAREDES CELIS stepped down as director. NBB
- Martin PAREDES CELIS stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 36,196. Source: NBB ↗
- Nathalie CELIS became a director. NBB
- Tatiana PAREDES CELIS became a director. NBB
- Martin PAREDES CELIS became a director. NBB
- New establishment in Wavre. KBO
In short
From € 23,613 profit in 2022 to € 36,196 loss in 2025.
Paid € 2,765 in corporate taxes since 2022.
Best year ever: 2022, with € 23,613 profit.
On average € 39,300 of value added per employee in 2025.
A new publication or filing at INTACT LIFE? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of NATECEL comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
INTACT LIFEThe shares are held by NATECEL (98.9%).
Directors
According to the 2025 annual accounts
Shareholders
98.9%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue de la Wastinne 24
1301 Wavre
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0691.651.669
- VAT number
- BE 0691.651.669
- Registered office
- Rue de la Wastinne 24, 1301 Wavre
- Names & denominations
- INTACT LIFE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 1 March 2018
- Peppol
- Active · Active since 27 Mar 2026
- Activities · NACE
Groothandel in overige bouwmaterialen
Coating van metalen
Oppervlaktebehandeling van metalen