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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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 27 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Intercblm from Anderlues, company number BE0843635823, closed financial year 2025 with a result of € -216,638 after tax. For that financial year Intercblm recorded revenue of € 5.6 million and equity of € -306,546. Compared with financial year 2024, the result moved from € -87,514 to € -216,638. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 21, 2026.
€ -306,546
▼ € 216,638 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -216,638
▼ 148 % more loss than in 2024
Profit after tax over the fiscal year.
€ 92,813
▼ 14% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -406,546.
People and assets in 2025
19.1
▼ 2.7 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 513,065
▼ 12% vs 2024
€ 26,900 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.
€ 39,180
▼ 27% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 421,288
▲ 104% vs 2024
€ 45,963 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 746,993
▲ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,555
▼ 69% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 6,197,412 | € 6,200,705 | € 6,189,458 | € 5,553,580 | ▼ 10% |
| Gross margin | € 663,884 | € 583,616 | € 686,956 | € 449,309 | ▼ 35% |
| Profit after taxes | € -58,524 | € -76,759 | € -87,514 | € -216,638 | ▼ € 129,124 |
| Equity | € 74,365 | € -2,394 | € -89,908 | € -306,546 | ▼ € 216,638 |
| Total debts | € 1,007,677 | € 929,544 | € 935,475 | € 1,194,456 | ▲ 28% |
| Cash | € 164,263 | € 125,181 | € 108,237 | € 92,813 | ▼ 14% |
| Retained profit | € -25,635 | € -102,394 | € -189,908 | € -406,546 | ▼ € 216,638 |
| Bank debt | € 310,689 | € 250,491 | € 206,418 | € 421,288 | ▲ 104% |
| Balance sheet total | € 1,082,041 | € 927,150 | € 845,567 | € 887,909 | ▲ 5% |
| Employees (FTE) | 16.8 | 16.9 | 21.8 | 19.1 | ▼ 2.7 |
Key figures of Intercblm, 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 Intercblm?
What happened at Intercblm in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 216,638. filed late Source: NBB ↗
- SABRINA DELLA MONTAGNA became a director. NBB
- New establishment in Anderlues. KBO
- Start of the company according to the CBE. KBO
In short
From € 58,524 loss in 2022 to € 216,638 loss in 2025.
Paid € 1,043 in corporate taxes since 2022.
On average € 23,500 of value added per employee in 2025.
Management
The stake of LA CROYERE comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
IntercblmBehind Intercblm is SABRINA DELLA MONTAGNA. The shares are held by JULIEN BOUVY (51%), SABRINA DELLA MONTAGNA (49%), ITM BELGIUM (0%) and LA CROYERE.
Directors
According to the 2025 annual accounts
SABRINA DELLA MONTAGNA
Director
since 2023
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Emile Vandervelde 16
6150 Anderlues
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0843.635.823
- VAT number
- BE 0843.635.823
- Registered office
- Rue Emile Vandervelde 16, 6150 Anderlues
- Names & denominations
- Intercblm
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 13 February 2012
- Peppol
- Active · Active since 12 Dec 2025
- Activities · NACE
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)
Detailhandel in kranten en andere tijdschriften
Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels