BS IMMO
ActiveFrom the official registers: KBO 2 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
BS IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (-€21,966) and a net result of -€3,675. Its solvency ranks better than 6% of 3,041 sector peers (NACE 66, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Official details
KBO- Status
- Active since 15-06-2023 Normal situation
- Legal form
- Private limited company
- Registered office
- Rue de Rance 4, 6470 Sivry-Rance
- Activity
- Activities auxiliary to financial services and insurance activities NACE 66300and 5 others
- Establishment unit
- 2.348.293.091 7000 Mons, since 01-07-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 30-12-2025
How it is doing
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €3,675
- ▼ 81.9%
- Equity
- -€21,966
- ▼ 20.1%
- Total assets
- €231,808
- ▼ 4.5%
2025 accounts 22 days early
Filed on 09-07-2026at the National Bank
Signalsraises riskWeak solvency vs sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 3041 sector peers (2025).
NBB · sector comparisonPosition among 3041 sector peers
Solvency
better than 6%
← 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 09-07-2026, 22 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
22 days early
2024
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 1 day before the deadline; the sector median (NACE 66) for financial year 2024 is 5 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
31-10-2026 today31-12-2026 year end31-07-2027 deadline
Financials · financial year 2025, micro format
Latest annual accounts filed
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 09-07-2026
- Format
- micro format
- Reference
- 2026-00280974
Equity
-€21,966▼ 20.1%
2024 · -€18,290
Net result
-€3,675▲ 81.9%
2024 · -€20,290
Total assets
€231,808▼ 4.5%
2024 · €242,828
Solvency
-9.5%▼ 1.9pp
2024 · -7.5%
Trend over the years
2024 to 2025, 2 financial years
The operating result returns to profit in 2025: €3,153 after a loss of €11,965 in 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€3,153
2025
Net result-€3,675
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€231,808
2025
Equity-€21,966
2025
Debt€253,773
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€100,412
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)-1.6%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency-9.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio0.16
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the financial year before
favourable
unfavourable
Line20242025
Operating result-€11,965-€3,153
Net result-€20,290below the sector's middle half--€3,675below the sector's middle half▲ 81.9%
Equity-€18,290below the sector's middle half--€21,966below the sector's middle half▼ 20.1%
Total assets€242,828within the sector's middle half-€231,808within the sector's middle half▼ 4.5%
Debt€261,118-€253,773▼ 2.8%
Working capital-€97,261below the sector's middle half--€100,412below the sector's middle half▼ 3.2%
Solvency-7.5%below the sector's middle half--9.5%below the sector's middle half▼ 1.9pp
Current ratio0.18below the sector's middle half-0.16below the sector's middle half▼ 0.02
Return on assets (ROA)-8.4%below the sector's middle half--1.6%below the sector's middle half▲ 6.8pp
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231,808
Fixed assets
€212,980 ▼ 4.1%
Current assets
€18,828 ▼ 8.9%
Equity and liabilities
Equity-€21,966
Debt€253,773
Equity is negative: debt (€253,773) exceeds the balance-sheet total (€231,808).
Key figures and ratios
Debt ≤ 1 year
€119,240▲
2024 · €117,927
Debt > 1 year
€134,533▼
2024 · €143,191
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,967 | €9,182 | ▲ 31.8% |
| Other operating charges640/8 | €10,217 | €8,883 | ▼ 13.1% |
| Gross operating margin9900 | €5,220 | €21,219 | ▲ 306% |
| Operating profit (loss)9901 | -€11,965 | €3,153 | - |
| Financial charges65/66B | €8,326 | €6,829 | ▼ 18.0% |
| Recurring financial charges65 | €8,326 | €6,829 | ▼ 18.0% |
| Profit (loss) for the period before taxes9903 | -€20,290 | -€3,675 | ▲ 81.9% |
| Profit (loss) for the period9904 | -€20,290 | -€3,675 | ▲ 81.9% |
| Profit (loss) for the period to be appropriated9905 | -€20,290 | -€3,675 | ▲ 81.9% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €242,828 | €231,808 | ▼ 4.5% |
| Fixed assets21/28 | €222,162 | €212,980 | ▼ 4.1% |
| Tangible fixed assets22/27 | €221,712 | €212,530 | ▼ 4.1% |
| Land and buildings22 | €189,902 | €184,734 | ▼ 2.7% |
| Furniture and vehicles24 | €4,640 | €3,547 | ▼ 23.6% |
| Other tangible fixed assets26 | €27,170 | €24,249 | ▼ 10.8% |
| Financial fixed assets28 | €450 | €450 | = |
| Current assets29/58 | €20,666 | €18,828 | ▼ 8.9% |
| Stocks and contracts in progress3 | €10,554 | €11,249 | ▲ 6.6% |
| Stocks30/36 | €10,554 | €11,249 | ▲ 6.6% |
| Amounts receivable within one year40/41 | €9,319 | €2,183 | ▼ 76.6% |
| Trade receivables40 | €7,747 | €2,183 | ▼ 71.8% |
| Other amounts receivable41 | €1,572 | - | - |
| Cash at bank and in hand54/58 | €793 | €5,396 | ▲ 580% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €242,828 | €231,808 | ▼ 4.5% |
| Equity10/15 | -€18,290 | -€21,966 | ▼ 20.1% |
| Contributions10/11 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | -€20,290 | -€23,966 | ▼ 18.1% |
| Amounts payable17/49 | €261,118 | €253,773 | ▼ 2.8% |
| Amounts payable after more than one year17 | €143,191 | €134,533 | ▼ 6.0% |
| Financial debts170/4 | €142,391 | €133,733 | ▼ 6.1% |
| Other amounts payable178/9 | €800 | €800 | = |
| Amounts payable within one year42/48 | €117,927 | €119,240 | ▲ 1.1% |
| Current portion of amounts payable after more than one year42 | €8,317 | €8,658 | ▲ 4.1% |
| Trade debts44 | €14,182 | €13,422 | ▼ 5.4% |
| Suppliers440/4 | €14,182 | €13,422 | ▼ 5.4% |
| Taxes, remuneration and social security45 | €292 | €1,093 | ▲ 274% |
| Taxes450/3 | €292 | €1,093 | ▲ 274% |
| Other amounts payable47/48 | €95,136 | €96,067 | ▲ 1.0% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€20,290 | -€3,675 | ▲ 81.9% |
| + Depreciation and write-downs630 | €6,967 | €9,182 | ▲ 31.8% |
| Operating cash flow (approximation) | -€13,323 | €5,507 | - |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €4,603 | - |
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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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 587 active companies whose main activity is activities auxiliary to financial services and insurance activities (NACE 66300), figures are known for 378. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
1 director
BOURDON SARAH
Current
Mandate history
1 person, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| BOURDON SARAH |
|
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 19-06-2023 ↗
- BOURDON Sarah Chantal 100 shares (100%) · €2,000 in cash
Capital over the years
- 19-06-2023 Incorporation · €2,000 · 100 shares
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Nominatives, 100”
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Moitié cédant moitié acquéreurs au prorata si plusieurs, cessions entre vifs à titre onéreux ou gratuit volontaires ou forcées en usufruit…”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 19-06-2023 (in French)
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
This company
Company
Director
Shareholding
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History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2026
09-07
financial year 2025 · micro format
2025
21-08
financial year 2024 · micro format · 21 days late
2023
19-06
Gazette deed
IncorporationFounder · Founding capital7 facts ▸
Gazette deed
Incorporation
Founder · Founding capital7 facts ▸
- Incorporation, “BS IMMO” (deed in French)
- Founder, BOURDON Sarah Chantal
- Founding capital, €2,000
- Other provision, “environ / euros, frais d'acte” (deed in French)
- Other provision, “plan financier, remise au notaire” (deed in French)
- Other provision, “responsabilité des fondateurs en cas de faillite dans les trois ans de la constitution si capitaux propres de départ manifestement insuffisants”, 3 (deed in French)
- Other provision, “respect des conditions fixées aux articles 5:3,5:5 et 5:8 du Code des sociétés et des associations” (deed in French)
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordName
BS IMMO in French
Enterprise number
0802.792.091
Legal form
Private limited company
Status
Active, normale toestand
Founded
15-06-2023
Type
Legal entity
Where it is based
Registered office
Rue de Rance 4, 6470 Sivry-Rance, Belgium
Establishments
1 establishment unit since 2023
What it does
NACEBEL 202566300
Activities auxiliary to financial services and insurance activities main activity
46491
Wholesale trade
47610
Retail trade
68110
Buying and selling of own real estate
68203
Renting and operating of own or leased non-residential real estate, excluding land
73110
Advertising agencies
Invoicing and payment
VAT number
BE 0802.792.091
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Scores and ratios are computed by Checked and are not a credit decision.
Purpose according to the articles of association
- PurposeThe activities the company may carry out under its articles.
- “Commerce de détail de livres en magasin spécialisé; Commerce de détail de journaux et papeterie en magasin spécialisé; Commerce de gros de…”
14 activities
- Commerce de détail de livres en magasin spécialisé
- Commerce de détail de journaux et papeterie en magasin spécialisé
- Commerce de gros de journaux, de livres et de périodiques
- Commerce de détail de livres d'occasion
- Commerce de détail de jeux et jouets
- Activités des agences de publicité
- Conception de textes et de slogans publicitaires (copywriters)
- Restaurants et services de restauration mobile
- Vente au comptoir ou par téléphone, fax, internet d'aliments et de boissons : laiteries, salons de thé, salons de dégustation de crèmes glacées, etc.
- Commerce de détail par correspondance ou par Internet
- Commerce de détail de tous types de produits par Internet (e-commerce)
- Autres commerces de détail sur éventaires et marchés
- Organisation de tout type d’événements.
- Achat, vente, gestion, location, rénovation, échange de tous biens et droits immobiliers.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- BS IMMO
- Legal form clauseThe legal form, such as BV, NV or CV, which decides which company-law rules apply.
- One provision in the deed
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Wallonne, annexe au Moniteur Belge par l’organe d’administration”
Articles of association, deed of 19-06-2023 (in French)
Recognitions · licences · registrations
Food safety, FASFC
1 siteMonsunit no. 2.348.293.091
Sites & property
Registered office and establishments
1 establishment unit
Au Gré des Mots
since 2023unit no. 2.348.293.091
Buildings and parcels at the addresses
Ground area
2,632 m²
Building footprint
372 m²
Building volume
4,331 m³
2 parcels, Wallonia · tallest building 17.9 m.
2 parcels
Wallonia
2
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 56032D0048/00T000 | Wallonia | 2,239 m² | 1 · 153 m² | 6.9 m · 2 |
| 53403E0861/00E002 | Wallonia | 392 m² | 1 · 220 m² | 17.9 m · 5 |