BONIMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €921k and a net result of €-252k. Equity is shrinking by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 44% of 7994 sector peers (fiscal year 2025). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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
41 d late
2024
60 d late
2023
65 d late
2022
32 d late
2021
6 d early
2020
80 d late
2019
84 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€921k▼ 21.5%
2024 · €1.17M
2018: €2.41M
2019: €2.24M
2020: €2.05M
2021: €1.84M
2022: €1.56M
2023: €1.38M
2024: €1.17M
2018 → 2025
Net result
€-252k▼ 20.3%
2024 · €-209k
2018: €-201k
2019: €-165k
2020: €-189k
2021: €-217k
2022: €-279k
2023: €-176k
2024: €-209k
2018 → 2025
Total assets
€2.09M▼ 6.7%
2024 · €2.24M
2018: €2.89M
2019: €2.59M
2020: €2.38M
2021: €2.18M
2022: €2.11M
2023: €2.30M
2024: €2.24M
2018 → 2025
Solvency
44.1%▼ 8.3pp
2024 · 52.4%
2018: 83.4%
2019: 86.7%
2020: 86.3%
2021: 84.4%
2022: 73.8%
2023: 60.2%
2024: 52.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.84M-€1.56M▼ 15.2%€1.38M▼ 11.3%€1.17M▼ 15.1%€921k▼ 21.5%
Operating result€-216k-€-291k▼ 35.0%€-207k▲ 28.9%€-242k▼ 16.7%€-285k▼ 18.0%
Net result€-217k-€-279k▼ 28.5%€-176k▲ 37.0%€-209k▼ 18.7%€-252k▼ 20.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €285k in 2025 against €242k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.09M
Fixed assets
€2.06M▼ 6.5%
Current assets
€24k▼ 23.3%
Equity and liabilities €2.09M
Equity
€921k▼ 21.5%
Debt
€1.17M▲ 9.5%
The debt ratio rises from 47.6% to 55.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
44.1%▼
2024 · 52.4%
ROE
-27.3%▼
2024 · -17.8%
ROA
-12.0%▼
2024 · -9.3%
Debt
€1.17M▲
2024 · €1.07M
Debt ≤ 1 year
€1.17M▲
2024 · €1.07M
Staff costs
€43k▼
2024 · €49k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.24M€2.09M▼
Fixed assets21/28€2.21M€2.06M▼
Tangible fixed assets22/27€2.21M€2.06M▼
Land and buildings22€1.75M€1.69M▼
Plant, machinery and equipment23€51k€37k▼
Furniture and vehicles24€39k€26k▼
Other tangible fixed assets26€369k€314k▼
Current assets29/58€32k€24k▼
Amounts receivable within one year40/41€16k-
Trade receivables40€16k-
Cash at bank and in hand54/58€9k€11k▲
Deferred charges and accrued income490/1€6k€13k▲
Equity and liabilities
Total equity and liabilities10/49€2.24M€2.09M▼
Equity10/15€1.17M€921k▼
Contributions10/11€4.33M€4.33M=
Profit (loss) carried forward14€-3.16M€-3.41M▼
Amounts payable17/49€1.07M€1.17M▲
Amounts payable within one year42/48€1.07M€1.17M▲
Trade debts44€19k€6k▼
Suppliers440/4€19k€6k▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€926€293▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€1.04M€1.16M▲
Income statement
Code20242025
Remuneration, social security and pensions62€49k€43k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€143k€143k▲
Other operating charges640/8€8k€8k▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€-41k€-91k▼
Operating profit (loss)9901€-242k€-285k▼
Financial income75/76B€33k€34k▲
Recurring financial income75€33k€34k▲
Non-recurring financial income76B€33k€34k▲
Financial charges65/66B€456€393▼
Recurring financial charges65€456€393▼
Profit (loss) for the period before taxes9903€-209k€-252k▼
Profit (loss) for the period9904€-209k€-252k▼
Profit (loss) for the period to be appropriated9905€-209k€-252k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3.16M€-3.41M▼
Profit (loss) brought forward from the previous period14P€-2.95M€-3.16M▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 41 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €-279k
Net result drops to €-279k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 71 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Libin · 1 establishment unit since 2006
Ground area
8,356 m²
Building footprint
298 m²
Volume, LiDAR
1,669 m³
Parcel 84073A1755/00R003, Wallonia · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BONIPRE
since 20062.155.110.564
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84073A1755/00R003 | Wallonia | 8,356 m² | 1 · 298 m² | 8.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,885 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-06-2006
Fiscal year end31-12
Activities, NACEBEL
02012
02200Logging
64200Holdings
64210Activities of holding companies
64999Other financial services
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.