BURO 5 - IMMO
ActiveSummary
BURO 5 - IMMO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €125k and a net result of €4k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 38% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency61▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 1.86 in 2024; short-term debt: 12.2% and cash: 5.3% of total assets), but 63.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.2%
Return on assets
1.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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
25 d late
2024
28 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
29 d early
2019
68 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 9.2%
2024 · €4k
2018: €97k
2019: €9k
2020: €75k
2021: €286k
2022: €5k
2023: €5k
2024: €4k
2018 → 2025
Working capital
€45k▲ 24.2%
2024 · €36k
2018: €33k
2019: €548
2020: €19k
2021: €27k
2022: €42k
2023: €26k
2024: €36k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€157k-€136k▼ 13.0%€117k▼ 14.0%€121k▲ 3.6%€125k▲ 3.2%
Operating result€386k-€17k▼ 95.5%€17k▼ 0.4%€15k▼ 15.0%€13k▼ 14.1%
Net result€286k-€5k▼ 98.4%€5k▲ 12.8%€4k▼ 20.7%€4k▼ 9.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 14% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€258k ▼ 14.4%
Current assets
€87k ▲ 10.9%
Equity and liabilities €345k
Equity
€125k ▲ 3.2%
Debt
€220k ▼ 14.9%
Debt's share of the balance-sheet total falls from 68.1% to 63.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €58k
Cash flow
€47k▼
2024 · €47k
Current ratio
2.07▲
2024 · 1.86
Debt to equity
1.76▼
2024 · 2.13
ROE
3.1%▼
2024 · 3.5%
ROA
1.1%▼
2024 · 1.1%
Interest coverage
7.45▲
2024 · 6.56
Debt ≤ 1 year
€42k▼
2024 · €42k
Debt > 1 year
€178k▼
2024 · €216k
Income taxes
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€380k€345k▼
Fixed assets21/28€301k€258k▼
Tangible fixed assets22/27€301k€258k▼
Land and buildings22€300k€258k▼
Furniture and vehicles24€1k€102▼
Current assets29/58€79k€87k▲
Amounts receivable after more than one year29€21k€20k▼
Other amounts receivable291€21k€20k▼
Amounts receivable within one year40/41€45k€49k▲
Trade receivables40€32k€17k▼
Other amounts receivable41€13k€31k▲
Cash at bank and in hand54/58€12k€18k▲
Deferred charges and accrued income490/1-€797
Equity and liabilities
Total equity and liabilities10/49€380k€345k▼
Equity10/15€121k€125k▲
Contributions10/11€17k€17k=
Reserves13€37k€37k=
Distributable reserves133€37k€37k=
Profit (loss) carried forward14€67k€71k▲
Amounts payable17/49€259k€220k▼
Amounts payable after more than one year17€216k€178k▼
Financial debts170/4€216k€177k▼
Other amounts payable178/9€703€703=
Amounts payable within one year42/48€42k€42k▼
Current portion of amounts payable after more than one year42€37k€38k▲
Trade debts44€439€657▲
Suppliers440/4€439€657▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Other amounts payable47/48€420€420=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€43k=
Other operating charges640/8€6k€5k▼
Gross operating margin9900€63k€61k▼
Operating profit (loss)9901€15k€13k▼
Financial income75/76B€0€47▲
Recurring financial income75€0€47▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€6k€5k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€4k€4k▼
Profit (loss) for the period to be appropriated9905€4k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€71k▲
Profit (loss) brought forward from the previous period14P€63k€67k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
31-12
Financial
Weakest financial yearnet €4k ▼9.2%
Net result drops to €4k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €286k ▲282%
Operating result €386k, net result €286k, both a record.
31-12
Financial
Equity above €150kEq €157k ▲37.2%
4 profitable years in a row build equity to €157k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €100kEq €114k ▲21.1%
3 profitable years in a row build equity to €114k.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 68 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
13-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Namur · 2 establishment units since 2008
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue des Linottes(NN) 165100 NamurGround area
6,057 m²
Building footprint
2,380 m²
Volume, LiDAR
23,260 m³
2 parcels, Wallonia · tallest building 20.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Buro5
since 20082.227.756.735
BURO5
since 20152.272.135.324
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817B0356/00G002 | Wallonia | 3,443 m² | 1 · 2,191 m² | 20.7 m · 3 fl. |
| 92095B0210/00A003 | Wallonia | 2,613 m² | 1 · 189 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
MAs-ARCHITECTEN by Joke Steen
BE 0835.649.357
Ardooie · Eq €125,116
Smarchi Architecten
BE 0798.303.169
Beringen · Eq €125,126
Architecten Doclo & Strobbe
BE 0761.716.947
Geraardsbergen · Eq €125,076
Ca-Sa Architectenbureau
BE 0844.623.639
Dendermonde · Eq €125,057
ATELIER DES DEUX MAISONS
BE 0823.577.411
Sint-Pieters-Woluwe · Eq €125,034
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,417 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-1988
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
68121Development of residential building projects
68122Development of non-residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.