Equity
€2.9m =
ABIP has made a profit in every financial year since 2006.
ABIP
Lifetime
20 annual accounts with figures on one time axis, 30 filings since 1996peak €790,308 (2012)
€32,220▼ 63.2%
peak €547,800 (2012)
€1,261▼ 99.0%
peak €2.9m (2025)
€2.9munchanged
€142,324▲ 53.9%
peak 4.7 FTE (2013)
-not published
Board4 names since 2019
3 directorsPieter De Pooter and 2 others
Documentsfilings and deeds
17-08-202617 days late
2025abbreviated format
Gross margin from €87,578 to €32,220Result from €131,142 to €1,261Debts from €92,486 to €142,324
Key points
from the 2025 annual accountsResult
€1,261 ▼ 99.0%
The result fell in 2025: different schema filed.
Turnover
≈ €88,000 estimated
The accounts state no turnover.
Liquidity
21.05 was 31.94 in 2024
Short-term debts rose from €87,872 to €137,709.
Filings
30 annual accounts since 1996
Five of the last ten came late. The 2016 accounts came latest: 30 days after the end of the period.
Position in the sector
95.3%
Higher solvency than 94% of companies in real estate. Sector median 30.7% · 11,297 companies.
Checked score
96
Excellent
Financially stronger than 66% of small 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: 0.1% across 6,995 companies (NACE 68, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
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 06-2025highest value
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 12-2025lowest value
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 06-2026
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
lowers risk
Liquidity: current ratio 21.05, cash €2.4m
Size: total assets €3.1m
Equity €2.9m (95.3% of total assets)
Figures for financial year 2025 (filed on 17-08-2026)
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, small). It does better than 92% of them on solvency, 99% on liquidity, 29% on profitability and 43% on growth.
The bankruptcy probability was computed on 09-11-2026 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, 14,766 companies had the same profile as ABIP has now. Each dot stands for 37 companies, two years later.
96.2%
were still trading
3.5%
stopped another way
0.2%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of ABIP 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 14,766 companies, not a prediction for ABIP. 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 €270,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 21.05 (31.94 in 2024), above the usual 1.5. Short-term debt is 4.5% and cash 77.9% of total assets. 4.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 17 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
17 days late
2024
24 days early
2023
9 days late
2022
16 days early
2021
17 days early
2020
36 days early
2019
28 days early
← 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 14 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 15 July (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
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
Shares in 2 companies, ABIP immo and Société Générale de Cautionnement - Algemene Borgstellingen
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0455065008
3 directors resigning, 2 reappointments
Resignations: Willy De Pooter (bestuurder en afgevaardigd/gedelegeerd bestuurder), Pieter De Pooter and Mario De Vuyst · Reappointments: Willy De Pooter (bestuurder en afgevaardigd/gedelegeerd bestuurder) and Pieter De Pooter · Director discharge: ontslagnemende bestuurders en gedelegeerd bestuurder · General meeting of 07-12-2023 · Gazette deed
Environmental permit granted
Bouwen of herbouwen, Nieuwbouw van bijgebouwen, niet-overdekte lage constructies en andere handelingen, Verwijderen van vrijstaande gebouwen · Provincie Oost-Vlaanderen
Environmental permit refused
Bouwen of herbouwen, Nieuwbouw van bijgebouwen, niet-overdekte lage constructies en andere handelingen, Verwijderen van vrijstaande gebouwen · Provincie Oost-Vlaanderen
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| ABIP Horebeke | €3.1m | €32,220 | 95.3% | - |
| SEAFLOWER Koksijde | €3.2m | €38,640 | 62.3% | - |
| T.G. INVEST Bastogne | €3.0m | €31,849 | 45.8% | - |
| IMMOBILIERE DU PALAIS Verviers | €3.1m | €24,814 | 44.6% | - |
| Société de Promotion et d'Investissement Woluwe-Saint-Lambert | €3.1m | €19,062 | -20.8% | - |
| ELCA Zulte | €3.1m | €85,270 | 98.4% | - |
| FLOW TO GROW Kruisem | €3.5m | €59,820 | 87.4% | - |
These companies have the same main activity as ABIP: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €3m and €3.5m, founded between 1984 and 1995.
Official details
Source: KBO- Status
- Active since 19-04-1995Normal situation
- Activity
- Development of residential building projectsNACE 68121and 2 others
- Joint committee
- 124Construction · annual accounts 2024
- Establishment unit
- 2.071.746.4879667 Horebeke, since 19-05-1995
- Financial year end
- 31 December
- Peppol
- Reachable since 29-12-2025
Insights on ABIP
ABIP files the abbreviated format. That format states no turnover. The gross margin fell from €153,511 in 2006 to €32,220 in 2025.
In December 2023, the Official Gazette published the appointment of Willy De Pooter as managing director.
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 ABIP
- What is the company number of ABIP?
- The company number of ABIP is 0455.065.008. The VAT number is the same number with BE in front: BE 0455.065.008.
- Where is ABIP based?
- The registered office is at Kromstraat 1A, 9667 Horebeke.Company details
- What does ABIP do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of ABIP?
- ABIP is a public limited company (NV).
- When was ABIP founded?
- ABIP was founded on 19-04-1995.
- Is ABIP still active?
- Yes, ABIP is an active enterprise in the KBO register.
- How many employees does ABIP have?
- ABIP had an average of 0.2 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
- Which joint committee does ABIP fall under?
- In its 2024 annual accounts, ABIP states joint committee 124 (Construction).
- What is the turnover of ABIP?
- The turnover in financial year 2025 is ≈ €88,000. This figure is estimated from the gross margin of €32,220 and 32 comparable companies (NACE 681). It probably lies between €48,000 and €180,000.
- Is ABIP profitable?
- In financial year 2025, ABIP made a profit of €1,261.
- Where can I find the annual accounts of ABIP?
- ABIP filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of ABIP due?
- ABIP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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