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BALANCED IMMO

Active
Private limited companyfounded 20188 yrs activeRue de Mons 64, 1400 Nivelles, BelgiumKBO/BCE: BE 0704.695.397
Summary

The computed 12-month bankruptcy probability of BALANCED IMMO is 1.8% (moderate). The 2025 annual accounts show negative equity (-€1,663) and a net result of €6,046. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2213 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability100=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.8% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Age of the figures
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 8 years 0 10 y
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2213 sector peers (2025).
NBB · sector comparison
Position among 2213 sector peers
Solvency
better than 5%
← weakest strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
7 d early
2024
60 d late
2023
30 d late
2022
23 d late
2021
39 d early
2020
39 d early
2019
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average on the deadline day; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 18 September 2018, BALANCED IMMO was incorporated.1 Total assets went from EUR 5,418 in 2019 to EUR 1,223 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
-€1,663▲ 78.4%
2024 · -€7,708
Total assets
€1,223▼ 75.5%
2024 · €4,995
Net result
€6,046▼ 57.6%
2024 · €14,264
Working capital
-€1,663▲ 78.4%
2024 · -€7,708
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€1,891▼ 51.5%-€26,018▼ 1,276%-€2,314▲ 91.1%€14,362€6,144▼ 57.2%
Net result-€1,942▼ 53.9%-€26,118▼ 1,245%-€2,418▲ 90.7%€14,264€6,046▼ 57.6%
Equity€6,564▼ 21.0%-€19,554-€21,972▼ 12.4%-€7,708▲ 64.9%-€1,663▲ 78.4%
Total assets€26,370▲ 98.2%€252▼ 99.0%€72▼ 71.3%€4,995▲ 6,798%€1,223▼ 75.5%
Debt€19,806▲ 296%€19,806=€22,045▲ 11.3%€12,703▼ 42.4%€2,885▼ 77.3%
Working capital€6,564▼ 21.0%-€19,554-€21,972▼ 12.4%-€7,708▲ 64.9%-€1,663▲ 78.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0€20,000Operating result 2021: -€1,891-€1,891Net result 2021: -€1,942-€1,942Operating result 2022: -€26,018-€26,018Net result 2022: -€26,118-€26,118Operating result 2023: -€2,314-€2,314Net result 2023: -€2,418-€2,418Operating result 2024: €14,362€14,362Net result 2024: €14,264€14,264Operating result 2025: €6,144€6,144Net result 2025: €6,046€6,04620212022202320242025-€5,000€0€5,000€10,000€15,000Operating result 2023: -€2,314-€2,310Net result 2023: -€2,418-€2,420Operating result 2024: €14,362€14,400Net result 2024: €14,264€14,300Operating result 2025: €6,144€6,140Net result 2025: €6,046€6,050202320242025
The operating result falls in 2025; 2025 is 57% below 2024.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€2,885▼
2024 · €12,703
Ratios withheld: a balance sheet total of €1,223 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,176 companies that looked in July 2024 the way this one looks now, 4.3% went bankrupt within 24 months and 89% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a profit of 5% of the balance sheet or more
4.3% went bankrupt
5.6% stopped otherwise
89% still going

A further 1.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,176 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 28 lines
Balance sheet Code20242025
Assets
Total assets20/58€4,995€1,223▼
Current assets29/58€4,995€1,223▼
Amounts receivable within one year40/41€106€289▲
Other amounts receivable41€106€289▲
Cash at bank and in hand54/58€4,889€934▼
Equity and liabilities
Total equity and liabilities10/49€4,995€1,223▼
Equity10/15-€7,708-€1,663▲
Contributions10/11€12,400€12,400=
Profit (loss) carried forward14-€20,108-€14,063▲
Amounts payable17/49€12,703€2,885▼
Amounts payable within one year42/48€12,703€2,885▼
Trade debts44€387€2,085▲
Suppliers440/4€387€2,085▲
Taxes, remuneration and social security45€1,516-
Taxes450/3€1,516-
Other amounts payable47/48€10,800€800▼
Income statement Code20242025
Other operating charges640/8€387€510▲
Gross operating margin9900€14,750€6,654▼
Operating profit (loss)9901€14,362€6,144▼
Financial income75/76B€6€6▼
Recurring financial income75€6€6▼
Financial charges65/66B€104€104=
Recurring financial charges65€104€104=
Profit (loss) for the period before taxes9903€14,264€6,046▼
Profit (loss) for the period9904€14,264€6,046▼
Profit (loss) for the period to be appropriated9905€14,264€6,046▼
Appropriation of the result
Profit (loss) to be appropriated9906-€20,108-€14,063▲
Profit (loss) brought forward from the previous period14P-€34,372-€20,108▲

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Goods, raw materials, services and sundry goods60/61-€0----
Other operating charges640/8€552€348€384€387€510▲ 31.5%
Non-recurring operating charges66A-€18,512----
Gross operating margin9900-€1,340-€7,159-€1,929€14,750€6,654▼ 54.9%
Operating profit (loss)9901-€1,891-€26,018-€2,314€14,362€6,144▼ 57.2%
Financial income75/76B---€6€6▼ 6.9%
Recurring financial income75---€6€6▼ 6.9%
Financial charges65/66B€51€100€104€104€104=
Recurring financial charges65€51€100€104€104€104=
Profit (loss) for the period before taxes9903-€1,942-€26,118-€2,418€14,264€6,046▼ 57.6%
Profit (loss) for the period9904-€1,942-€26,118-€2,418€14,264€6,046▼ 57.6%
Profit (loss) for the period to be appropriated9905-€1,942-€26,118-€2,418€14,264€6,046▼ 57.6%
Line20212022202320242025Change
Assets
Total assets20/58€26,370€252€72€4,995€1,223▼ 75.5%
Current assets29/58€26,370€252€72€4,995€1,223▼ 75.5%
Stocks and contracts in progress3€18,512€0----
Stocks30/36€18,512€0----
Amounts receivable within one year40/41€3,031€0-€106€289▲ 172%
Other amounts receivable41€3,031€0-€106€289▲ 172%
Cash at bank and in hand54/58€4,827€252€72€4,889€934▼ 80.9%
Equity and liabilities
Total equity and liabilities10/49€26,370€252€72€4,995€1,223▼ 75.5%
Equity10/15€6,564-€19,554-€21,972-€7,708-€1,663▲ 78.4%
Contributions10/11€12,400€12,400€12,400€12,400€12,400=
Profit (loss) carried forward14-€5,836-€31,954-€34,372-€20,108-€14,063▲ 30.1%
Amounts payable17/49€19,806€19,806€22,045€12,703€2,885▼ 77.3%
Amounts payable within one year42/48€19,806€19,806€22,045€12,703€2,885▼ 77.3%
Trade debts44€6€0€738€387€2,085▲ 438%
Suppliers440/4€6€0€738€387€2,085▲ 438%
Taxes, remuneration and social security45---€1,516--
Taxes450/3---€1,516--
Other amounts payable47/48€19,800€19,806€21,306€10,800€800▼ 92.6%
Line20212022202320242025Change
Profit (loss) for the period9904-€1,942-€26,118-€2,418€14,264€6,046▼ 57.6%
Operating cash flow (approximation)-€1,942-€26,118-€2,418€14,264€6,046▼ 57.6%
Change in cash--€4,575-€180€4,816-€3,955▼ 182%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
24-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial Back to profitnet €14,264
Net result €14,264 after 5 loss-making years.
30-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
23-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial Weakest financial yearnet -€26,118
Net result drops to -€26,118, the lowest in the series; recovery starts the following year.
22-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Liquidity times 21current ratio 2.66
Current ratio from 0.13 to 2.66.
30-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Nivelles
exact location from the address register On OpenStreetMap
Ground area
123 m²
Building footprint
63 m²
Parcel 25782D0351/00Y000, Wallonia. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25782D0351/00Y000 Wallonia 122 m² 1 · 63 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 29,787 companies in sector 41001 we hold annual accounts for 16,042. 7,564 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded18-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID 0208:0704695397
Registered 26-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.