B2B Immo
ActiveSummary
B2B Immo has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30,495 and a net result of €30,624. Its solvency ranks better than 74% of 13,741 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 19-12-2024 Normal situation
- Activity
- Agents specialised in the wholesale of other particular products NACE 46180and 3 others
- Establishment unit
- 2.368.036.551 2800 Mechelen, since 19-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.6%
Annual accounts 2025
- Gross margin
- €37,527
- Turnover
- ≈ €160,000
- estimated
- Profit
- €30,624
- Equity
- €30,495
- Total assets
- €43,540
- ▲ 14×
Score breakdownraises riskSize: total assets €43,540Founded in 2024lowers riskLiquidity: current ratio 3.34, cash €14,771Equity €30,495 (70.0% of total assets)Show the evidence
Checked score
Score 2025
73
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 88% of micro companies in wholesale trade (NACE 46)
Financial strength · tick: 2024
Strong
Solvency
95+74
equity 70.0% of total assets
Liquidity
80+30
short-term debt 30.0% · cash 33.9%
Profitability
100+100
return on assets 70.3%
Bankruptcy probability within 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: 0.9%
02-2026: 0.9%● unchanged vs 01-2026
03-2026: 0.9%● unchanged vs 02-2026
04-2026: 0.9%● unchanged vs 03-2026
05-2026: 0.9%● unchanged vs 04-2026
06-2026: 0.9%● unchanged vs 05-2026highest value
07-2026: 0.6%▼ -0.3 percentage points vs 06-2026lowest value
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.6%● unchanged vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.34, above the usual 1.5. Short-term debt is 30% and cash 33.9% of total assets. 30% of the assets are financed with debt and provisions.
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 46, micro). It does better than 75% of them on solvency, 82% on liquidity, 95% on profitability and 99% on growth.
The bankruptcy probability was computed on 02-11-2026 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.
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).
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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 09-06-2026, 52 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
52 days early
2024
on the day
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 26 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% 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.
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 09-06-2026 at the NBB all 2 filings
Turnover
≈ €160,000
Estimated: probably between €100,000 and €420,000
Total assets
€43,540▲ 14×
2024 · €3,204
Net result
€30,624
2024 · -€3,130
Working capital
€30,495
2024 · -€130
Multi-year overview
2024 to 2025, 2 financial yearsOperating result
€37,407
2025
20242025
Net result
€30,624
2025
highest quarter of the sector
20242025
Equity
€30,495
2025
middle half of the sector
20242025
Total assets
€43,540
▲ 14×
2025
lowest quarter of the sector
20242025
Debt
€13,045
▲ 291%
2025
20242025
Working capital
€30,495
2025
middle half of the sector
20242025
Solvency
70.0%
2025
middle half of the sector
20242025
Current ratio
3.34
2025
middle half of the sector
20242025
Return on assets (ROA)
70.3%
2025
highest quarter of the sector
20242025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result-€3,130-€37,407
Net result-€3,130within the sector's middle half-€30,624above the sector's middle half
Equity-€130below the sector's middle half-€30,495within the sector's middle half
Total assets€3,204below the sector's middle half-€43,540below the sector's middle half▲ 14×
Debt€3,334-€13,045▲ 291%
Working capital-€130within the sector's middle half-€30,495within the sector's middle half
Solvency70.0%within the sector's middle half
Current ratio3.34within the sector's middle half
Return on assets (ROA)70.3%above the sector's middle half
above
within
below
The sector band is the middle half of the companies in Wholesale trade (NACE 46). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a profit of €37,407, after a loss of €3,130 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Equity and liabilities €43,540
Equity
€30,495
Debt
€13,045
Debt's share of the balance-sheet total is 30.0%.
Key figures and ratios
Debt to equity
0.43
ROE
100.4%
Debt ≤ 1 year
€13,045▲
2024 · €3,334
Income taxes
€7,284
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | - | €120 | - |
| Gross operating margin9900 | -€3,130 | €37,527 | - |
| Operating profit (loss)9901 | -€3,130 | €37,407 | - |
| Financial income75/76B | - | €516 | - |
| Recurring financial income75 | - | €516 | - |
| Financial charges65/66B | - | €15 | - |
| Recurring financial charges65 | - | €15 | - |
| Profit (loss) for the period before taxes9903 | -€3,130 | €37,908 | - |
| Income taxes67/77 | - | €7,284 | - |
| Profit (loss) for the period9904 | -€3,130 | €30,624 | - |
| Profit (loss) for the period to be appropriated9905 | -€3,130 | €30,624 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €3,204 | €43,540 | ▲ 14× |
| Current assets29/58 | €3,204 | €43,540 | ▲ 14× |
| Amounts receivable after more than one year29 | - | €27,000 | - |
| Other amounts receivable291 | - | €27,000 | - |
| Amounts receivable within one year40/41 | €204 | €1,585 | ▲ 675% |
| Trade receivables40 | - | €1,585 | - |
| Other amounts receivable41 | €204 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €3,000 | €14,771 | ▲ 392% |
| Deferred charges and accrued income490/1 | - | €183 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €3,204 | €43,540 | ▲ 14× |
| Equity10/15 | -€130 | €30,495 | - |
| Contributions10/11 | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€3,130 | €27,495 | - |
| Amounts payable17/49 | €3,334 | €13,045 | ▲ 291% |
| Amounts payable within one year42/48 | €3,334 | €13,045 | ▲ 291% |
| Financial debts43 | - | €13 | - |
| Other loans439 | - | €13 | - |
| Trade debts44 | €1,834 | €0 | ▼ 100% |
| Suppliers440/4 | €1,834 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €13,015 | - |
| Taxes450/3 | - | €13,015 | - |
| Other amounts payable47/48 | €1,500 | €17 | ▼ 98.9% |
Historical observation
In July 2024, 11,279 companies had the same profile as B2B Immo has now. Two years later, 96.6% were still going and 0.7% had gone bankrupt.
- Micro
- under 2 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
96.6%
was still going
2.6%
stopped otherwise
0.7%
went bankrupt
That fits the bankruptcy probability of B2B Immo itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,446 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 11,279 companies, not a prediction for B2B Immo. 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.
Board & ownership
Directors
Directors
1 director, no change since 2024
HENDRIKS Bram Maria
Current
Director · since 19-12-2024 · term without a fixed end · listed in the 2025 annual accounts, filed on 09-06-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
“Het bestuursorgaan vertegenwoordigt de vennootschap jegens derden, met inbegrip van de vertegenwoordiging in rechte. Indien er verschillende…”
deed of 23-12-2024Owners and capital
Shareholders
At incorporation
act of 23-12-2024 ↗
- HENDRIKS Bram Maria 100 shares (100%) · €3,000
Capital transactions
Capital over time
- 23-12-2024 Incorporation · €3,000 · 100 shares
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bestuur, 1”
Articles of association, deed of 23-12-2024 (in Dutch)
Network & group
B2B Immo shares no director with another company.
Companies at the same address
2 other companiesConnections & network
1 current directorThe network starts from the directors of B2B Immo. Every other company they run is a node.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
09-06
micro format · 52 days before the deadline
2025
31-12
Financial
Back to profitnet €30,624
The net result is €30,624, after one loss-making year.
31-12
Financial
Liquidity more than triplescurrent ratio 3.34
The current ratio rises from 0.96 to 3.34.
31-07
micro format · on the deadline day
2024
23-12
Gazette deed
IncorporationStarting capital €3,000 · Appointment: HENDRIKS Bram Maria (director) · Founder8 points ▸
Gazette deed
Incorporation
Starting capital €3,000 · Appointment: HENDRIKS Bram Maria (director) · Founder8 points ▸
- Incorporation, 18-12-2024
- Founder, HENDRIKS Bram Maria
- Founding capital, €3,000
- HENDRIKS Bram Maria holds 100 shares
- Capital
- Director appointment, HENDRIKS Bram Maria (director)
- Other provision, “afwezigheid beroepsverbod, geen beroepsverbod uitgesproken” (deed in Dutch)
- Pre-incorporation commitments, “takeover, rechten en verbintenissen uit rechtshandelingen in haar naam en voor haar rekening gesteld voor oprichting” (deed in Dutch)
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
B2B Immo in Dutch
Enterprise number
1017.652.932
Legal form
Private limited company
Status
Active, normale toestand
Founded
19-12-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 23-12-2024 (in Dutch)Name clauseThe company operates under this name according to its articles.
B2B Immo
deed of 23-12-2024 (in Dutch)Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaamse Gewest, Nauwstraat 10 bus 101,2800 Mechelen”
deed of 23-12-2024 (in Dutch)Registered office and establishments
Registered office
Nauwstraat 10, 2800 Mechelen, Belgium
Establishment unit
B2B Immo, Nauwstraat 10, 2800 Mechelen since 19-12-2024 · unit number 2.368.036.551
Activities
NACEBEL 202546180
Agents specialised in the wholesale of other particular products main activity
68310
Real estate agency activities
68321
Property management for co-owned buildings (syndics)
68322
Real estate appraisal on a fee or contract basis
PurposeThe purpose describes the activities the company may carry out under its articles.
deed of 23-12-2024 (in Dutch)
“Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis; Adviesbureaus op het gebied van public relations en…”
21 activities
- Schatten en evalueren van onroerend goed voor een vast bedrag of op contractbasis
- Adviesbureaus op het gebied van public relations en communicatie
- Bemiddeling bij de aankoop,verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
- Beheer van residentieel onroerend goed voor een vast bedrag of op contractbasis
- Beheer van niet-residentieel onroerend goed voor een vast bedrag of op contractbasis
- Handelsbemiddeling gespecialiseerd in andere goederen,voor bemiddeling bij de overdracht van aandelen
- Verhuur onroerend goed
- Projectontwikkeling
- Algemene aannemingswerken
- Sales in het algemeen
- Het aanleggen,het oordeelkundig uitbouwen,het beheren en verhandelen van een onroerend vermogen;alle verrichtingen,studies en operaties met betrekking tot onroerende goederen en onroerende zakelijke rechten,zoals de aan- en verkoop,de bouw,de verbouwing,de aanpassing,de binnenhuisinrichting en decoratie,de huur en verhuur,de ruil,de verkaveling en,in het algemeen,alle verrichtingen die rechtstreeks of onrechtstreeks betrekking hebben op het beheer of op het productief maken,van onroerende goederen of onroerende zakelijke rechten,met inbegrip van onroerende leasing
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare,of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen
- Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen
- De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin
- In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep,zal de vennootschap haar optreden,wat betreft de verrichting van deze handelingen,aan de vervulling van deze voorwaarden ondergeschikt maken
- De vennootschap heeft tevens tot voorwerp het beheer en de uitbreiding voor eigen rekening van een patrimonium bestaande uit roerende en onroerende goederen zowel in het binnenland als in het buitenland alsmede alle handelingen die daar rechtstreeks of onrechtstreeks verband mee houden of die van aard zijn de opbrengst van haar goederen te bevorderen,zoals de aankoop en de verkoop,huur en verhuur,de ruiling of in het algemeen de verwerving of de overdracht van goederen zo roerende als onroerende,het onderhoud,de ontwikkeling,de verfraaiing en de verhuring van goederen,met uitzondering van die verrichtingen die verband houden met de normale activiteiten uitgeoefend door vastgoedmakelaars
- De vennootschap mag voor eigen rekening of voor rekening van derden alle commerciële,industriële,financiële,burgerlijke,roerende en onroerende handelingen of verrichtingen stellen,die haar nuttig voorkomen om rechtstreeks of onrechtstreeks haar maatschappelijk voorwerp te realiseren of de realisatie ervan te bevorderen of te vergemakkelijken
- De vennootschap mag bij wijze van inbreng,opslorping,fusie,intekening of op enige andere wijze belangen nemen in alle ondernemingen,verenigingen of vennootschappen met een gelijkaardig of aanverwant voorwerp
- De vennootschap kan zich ten gunste van derden borg stellen of hen aval verlenen,hypothecaire of andere zekerheden verstrekken
- De vennootschap kan de functie van bestuurder in andere vennootschappen waarnemen,mits naleving van artikel 2:55 WVV
Invoicing and payment
VAT number
BE 1017.652.932
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Friday of May at 18:00
deed of 23-12-2024 (in Dutch)Sites & property
Location
Buildings and parcels at the address
Ground area
369 m²
Building footprint
205 m²
Building volume
1,392 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12025E0619/00F000 | Flanders | 369 m² | 1 · 205 m² | 12.1 m · 2 |