Equity
€17.8m ▲ 1.0%
Financière Immobilière Bruxelloise has made a profit without a break since 2023.
Financière Immobilière Bruxelloise
Lifetime
20 annual accounts with figures on one time axis, 49 filings since 1977peak €3.9m (2020)
€3.4m▲ 12.3%
lowest -€633,946 (2021)
€190,015▲ 338%
peak €18.0m (2020)
€17.8m▲ 1.0%
€8.0m▲ 1.2%
peak 6.3 FTE (2019)
5.1 FTE▲ 4.1%
Board5 names since 2020
5 directorsChristian SACRE and 4 others
Documentsfilings and deeds
02-07-202629 days before the deadline
2025financial year
Gross margin from €3.0m to €3.4mResult from €43,398 to €190,0155 directors appointed 09-10Cash from €575,920 to €895,027
Key points
from the 2025 annual accountsResult
€190,015 ▲ 338%
The result rose in 2025: mostly from a one-off income of €483,508.
Turnover
≈ €3.4m estimated
The accounts state no turnover.
Staff
6 employees on 31-12-2025
In 2025, 2 people joined and 2 left.
Filings
49 annual accounts since 1977
Four of the last ten came late. The 2019 accounts came latest: 49 days after the end of the period.
Position in the sector
€17.8m
More equity than 91% of companies in real estate. Sector median €942,893 · 5,811 companies.
Checked score
95
Excellent
Financially stronger than 62% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
02-2025: 0.1%● unchanged vs 01-2025lowest value
03-2025: 0.1%● unchanged vs 02-2025lowest value
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026highest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.59, cash €895,027
lowers risk
Size: 5.1 FTE, total assets €26.7m
Founded in 1951
Equity €17.8m (66.5% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 75% of them on solvency, 64% on liquidity, 58% on profitability and 49% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as Financière Immobilière Bruxelloise has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Financière Immobilière Bruxelloise itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for Financière Immobilière Bruxelloise. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,650,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59 (1.58 in 2024), above the usual 1.5. Short-term debt is 6.7% and cash 3.4% of total assets. 33.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 days early
2024
58 days early
2023
54 days early
2022
49 days early
2021
11 days late
2020
18 days late
2019
49 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
5 directors appointed
Christophe PLUMIER (managing director), Sylvie Dubois, Maurice MEYER, Guy SCHMITT and Christian SACRE · General meeting of 07-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0403354704
5 directors appointed
Christophe PLUMIER (managing director), Sylvie Dubois, Maurice MEYER, Guy SCHMITT and Christian SACRE · General meeting of 21-05-2025 · Gazette deed
5 directors appointed
Sylvie Dubois, Maurice MEYER, Christophe PLUMIER (managing director), Guy SCHMITT and Christian SACRE · General meeting of 04-06-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Financière Immobilière Bruxelloise Brussels | €26.7m | €3.4m | 66.5% | 5.1 |
| FOMINVEST Uccle | €27.8m | €2.8m | 59.6% | 5 |
| R2AG Aarschot | €38.2m | €3.4m | 65.5% | 6.3 |
| ANEAL Wijnegem | €27.0m | €3.3m | 32.4% | 5.5 |
| VANO IMMO Tournai | €15.8m | €3.6m | 75.9% | 4.7 |
| NV BUCHAI SA Destelbergen | €29.9m | €2.3m | 62.5% | 5.3 |
| NEVIMO Ghent | €23.9m | €2.8m | 54.1% | 4.7 |
These companies have the same main activity as Financière Immobilière Bruxelloise: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €16m and €38m, founded between 1972 and 1992.
Official details
Source: KBO- Status
- Active since 30-07-1951Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 3 others
- Joint committees
- 100Auxiliary committee for blue-collar workers
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.005.093.1361000 Brussels, since 01-07-1951
- Financial year end
- 31 December
- Peppol
- Reachable since 14-04-2026
Annual accounts 2025
- €26.7m▲ 1.1%
- Employeeson 31-12-2025
- 6=
- Filing
- Filed on 02-07-2026, 29 days before the end of the filing period
Insights on Financière Immobilière Bruxelloise
Financière Immobilière Bruxelloise has existed since 1951. The gross margin grew from €992,620 in 2006 to €3.4m in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Financière Immobilière Bruxelloise
- What is the company number of Financière Immobilière Bruxelloise?
- The company number of Financière Immobilière Bruxelloise is 0403.354.704. The VAT number is the same number with BE in front: BE 0403.354.704.
- Where is Financière Immobilière Bruxelloise based?
- The registered office is at Arduinkaai 35, 1000 Brussels.Company details
- What does Financière Immobilière Bruxelloise do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of Financière Immobilière Bruxelloise?
- Financière Immobilière Bruxelloise is a public limited company (NV).
- When was Financière Immobilière Bruxelloise founded?
- Financière Immobilière Bruxelloise was founded on 30-07-1951.
- Is Financière Immobilière Bruxelloise still active?
- Yes, Financière Immobilière Bruxelloise is an active enterprise in the KBO register.
- How many employees does Financière Immobilière Bruxelloise have?
- Financière Immobilière Bruxelloise had an average of 5.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Financière Immobilière Bruxelloise fall under?
- In its 2025 annual accounts, Financière Immobilière Bruxelloise states joint committees 100 (Auxiliary committee for blue-collar workers) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Financière Immobilière Bruxelloise?
- The turnover in financial year 2025 is ≈ €3.4m. This figure is estimated from the gross margin of €3.4m and 31 comparable companies (NACE 68201). It probably lies between €3.2m and €3.8m.
- Is Financière Immobilière Bruxelloise profitable?
- In financial year 2025, Financière Immobilière Bruxelloise made a profit of €190,015.
- Where can I find the annual accounts of Financière Immobilière Bruxelloise?
- Financière Immobilière Bruxelloise filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Financière Immobilière Bruxelloise due?
- Financière Immobilière Bruxelloise must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.