BODY - IMMO
ActiveSummary
BODY - IMMO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56,602 and a net result of €619. Equity is growing by ~6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability65▲+3
Solvency49▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity short (current ratio 0.02 against 0.09 in 2024; short-term debt: 38.8% and cash: 0.9% of total assets), and 76.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-02-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
10 d late
2023
2 d early
2022
22 d early
2021
8 d late
2020
2 d late
2019
12 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 4 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 8 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-06-2026 close30-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€56,602▲ 1.1%
2024 · €55,983
Total assets
€239,657▼ 4.3%
2024 · €250,299
Net result
€619▲ 387%
2024 · €127
Working capital
-€90,807▲ 2.3%
2024 · -€92,903
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€2,316▼ 76.3%€9,709▲ 319%€11,755▲ 21.1%€3,970▼ 66.2%€4,175▲ 5.2%
Net result-€2,440€5,452€7,222▲ 32.5%€127▼ 98.2%€619▲ 387%
Equity€43,183▼ 5.3%€48,635▲ 12.6%€55,856▲ 14.8%€55,983▲ 0.2%€56,602▲ 1.1%
Total assets€300,161▼ 0.2%€286,743▼ 4.5%€271,828▼ 5.2%€250,299▼ 7.9%€239,657▼ 4.3%
Debt€256,978▲ 0.7%€238,108▼ 7.3%€215,972▼ 9.3%€194,316▼ 10.0%€183,055▼ 5.8%
Working capital-€127,607▼ 13.7%-€119,368▲ 6.5%-€108,738▲ 8.9%-€92,903▲ 14.6%-€90,807▲ 2.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 5% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239,657
Fixed assets
€237,398 ▼ 1.6%
Current assets
€2,259 ▼ 74.7%
Equity and liabilities €239,657
Equity
€56,602 ▲ 1.1%
Debt
€183,055 ▼ 5.8%
Debt's share of the balance-sheet total falls from 77.6% to 76.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,026▲
2024 · €18,698
Cash flow
€15,470▲
2024 · €14,855
Current ratio
0.02▼
2024 · 0.09
Debt to equity
3.23▼
2024 · 3.47
ROE
1.1%▲
2024 · 0.2%
ROA
0.3%▲
2024 · 0.1%
Interest coverage
5.48▲
2024 · 5.13
Debt ≤ 1 year
€93,066▼
2024 · €101,842
Debt > 1 year
€88,664▼
2024 · €92,474
Income taxes
€81▼
2024 · €195
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 3,984 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a profit under 5% of the balance sheet
1.1%
went bankrupt
2.3%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.7% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
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 3,984 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €12,575 | - | - | €20,612 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,319 | €16,319 | €16,320 | €14,728 | €14,851 | ▲ 0.8% |
| Other operating charges640/8 | - | €3,918 | €3,251 | €3,947 | €3,905 | ▼ 1.1% |
| Gross operating margin9900 | €22,752 | €29,946 | €31,326 | €22,645 | €22,931 | ▲ 1.3% |
| Operating profit (loss)9901 | €2,316 | €9,709 | €11,755 | €3,970 | €4,175 | ▲ 5.2% |
| Recurring financial income75 | €11 | - | - | - | - | - |
| Financial charges65/66B | - | €4,061 | €4,340 | €3,648 | €3,475 | ▼ 4.7% |
| Recurring financial charges65 | €4,536 | €4,061 | €4,340 | €3,648 | €3,475 | ▼ 4.7% |
| Profit (loss) for the period before taxes9903 | -€2,209 | €5,648 | €7,415 | €322 | €700 | ▲ 117% |
| Income taxes67/77 | €231 | €196 | €193 | €195 | €81 | ▼ 58.5% |
| Profit (loss) for the period9904 | -€2,440 | €5,452 | €7,222 | €127 | €619 | ▲ 387% |
| Transfer from tax-exempt reserves789 | - | €956 | €955 | €955 | €955 | = |
| Profit (loss) for the period to be appropriated9905 | -€1,485 | €6,408 | €8,177 | €1,082 | €1,574 | ▲ 45.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €300,161 | €286,743 | €271,828 | €250,299 | €239,657 | ▼ 4.3% |
| Fixed assets21/28 | €299,865 | €283,546 | €267,226 | €241,360 | €237,398 | ▼ 1.6% |
| Tangible fixed assets22/27 | €299,560 | €283,241 | €266,921 | €241,055 | €237,093 | ▼ 1.6% |
| Land and buildings22 | - | €256,652 | €244,233 | €231,815 | €220,363 | ▼ 4.9% |
| Furniture and vehicles24 | - | €26,589 | €22,688 | €9,240 | €16,730 | ▲ 81.1% |
| Financial fixed assets28 | €305 | €305 | €305 | €305 | €305 | = |
| Current assets29/58 | €296 | €3,197 | €4,602 | €8,939 | €2,259 | ▼ 74.7% |
| Cash at bank and in hand54/58 | €296 | €3,197 | €4,602 | €8,939 | €2,259 | ▼ 74.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €300,161 | €286,743 | €271,828 | €250,299 | €239,657 | ▼ 4.3% |
| Equity10/15 | €43,183 | €48,635 | €55,856 | €55,983 | €56,602 | ▲ 1.1% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | €62,000 | - | - | - | - |
| Issued capital100 | - | €62,000 | - | - | - | - |
| Reserves13 | €23,883 | €22,927 | €21,971 | €21,016 | €20,061 | ▼ 4.5% |
| Tax-exempt reserves132 | - | €22,927 | €21,971 | €21,016 | €20,061 | ▼ 4.5% |
| Profit (loss) carried forward14 | -€42,700 | -€36,292 | -€28,115 | -€27,033 | -€25,459 | ▲ 5.8% |
| Amounts payable17/49 | €256,978 | €238,108 | €215,972 | €194,316 | €183,055 | ▼ 5.8% |
| Amounts payable after more than one year17 | €129,075 | €115,543 | €102,632 | €92,474 | €88,664 | ▼ 4.1% |
| Financial debts170/4 | - | €115,543 | €102,632 | €92,474 | €88,664 | ▼ 4.1% |
| Amounts payable within one year42/48 | €127,903 | €122,565 | €113,340 | €101,842 | €93,066 | ▼ 8.6% |
| Other amounts payable47/48 | - | €122,565 | €113,340 | €101,842 | €93,066 | ▼ 8.6% |
| Accrued charges and deferred income492/3 | - | - | - | - | €1,325 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,440 | €5,452 | €7,222 | €127 | €619 | ▲ 387% |
| + Depreciation and write-downs630 | €16,319 | €16,319 | €16,320 | €14,728 | €14,851 | ▲ 0.8% |
| Operating cash flow (approximation) | €13,879 | €21,771 | €23,542 | €14,855 | €15,470 | ▲ 4.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €11,138 | -€10,889 | ▼ 198% |
| Change in cash | - | €2,901 | €1,405 | €4,337 | -€6,680 | ▼ 254% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 10 days late
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €7,222 ▲32.5%
Operating result €11,755, net result €7,222, both a record.
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €5,452
Net result €5,452 after one loss-making year.
08-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
30-06
Financial
Weakest financial yearnet -€2,440
Net result drops to -€2,440, the lowest in the series; recovery starts the following year.
02-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
30-06
Financial
Back to profitnet €4,821
Net result €4,821 after one loss-making year.
12-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
08-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Binche · 1 establishment unit since 1994
Ground area
654 m²
Building footprint
127 m²
Volume, LiDAR
1,169 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Avenue Eugène Mascaux 170, 6001 Charleroi
since 19942.066.451.970
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56043A0141/00Y000 | Wallonia | 426 m² | 1 · 56 m² | 10.8 m · 3 fl. |
| 52393B0170/00B004 | Wallonia | 227 m² | 1 · 72 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded08-03-1994
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0452380383
Also
9925:BE0452380383
Registered
16-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.