Active BE 0433.738.270Private limited company

C. IMMO

Fr. Robbrechtsstraat 1 ·1780 Wemmel, Belgium· 38 yrs active

Sector: Agents in non-specialised wholesale trade (46190)

Conclusion Checked

C. IMMO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €255k and a net result of €10k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 58% of 15880 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€255k
Net result	€10k
Staff (FTE)	1
Better than sector	58%

Financial profile 5 of 5 axes measured · computed by Checked

66 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 82

Profitability 20

Solvency 77

Growth 52

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1988, 38 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

82 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€21k

estimate, not credit advice

Score history

85 2020

86 2021

74 2022

40 2023

82 2024

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 1.19 (≥ 1.0) +5

Quick ratio Quick ratio 1.19 (≥ 1.0) +5

Leverage Debt/equity 1.02 (< 2.0) +3

Profitability ROE 4% +3

Interest coverage Interest coverage 6.3× (≥ 3×) +8

Profit trend Net profit up YoY +5

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview37 NBB filings

Annual accounts filed on 11-11-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

stable Equity: stable across 5 fiscal years (±1.2%/year).

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	49.5%	39.5%	better than 58% of 15880 sector peers
Net result	€10k	€5k	better than 60% of 15864 sector peers
Equity	€255k	€56k	better than 83% of 15920 sector peers
Gross operating margin	€67k	€26k	better than 71% of 15829 sector peers
Staff costs	€18k	€35k	higher than 37% of 4806 sector peers

EBITDA

€37k

+484.6% 20-24

Net profit

€10k

- 20-24

Cash flow

€27k

- 20-24

Total assets

€515k

-6.0% 20-24

Equity

€255k

+5.3% 20-24

Working capital

€29k

+1.5% 20-24

Employees (FTE)

1

0.0% 20-24

Staff costs

€18k

-2.9% 20-24

Income taxes

€6k

+133.6% 20-24

Debt

€260k

-15.0% 20-24

Debt ≤ 1y

€153k

-9.8% 20-24

Debt > 1y

€106k

-21.7% 20-24

Current ratio

1.19

+1.8% 20-24

Quick ratio

1.19

+1.8% 20-24

Solvency

49.5%

+12.1% 20-24

Debt / equity

1.02

-19.3% 20-24

ROE

4.1%

- 20-24

ROA

2.0%

- 20-24

Interest coverage

6.33

+963.5% 20-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024	2023	2022	2021	2020
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€37k	€6k	€26k	€79k	€94k
Net profit	€10k	€-17k	€1k	€32k	€51k
Cash flow	€27k	€-7k	€16k	€57k	€77k
Staff costs	€18k	€19k	€17k	€16k	-
Income taxes	€6k	€3k	€-85	€12k	€6k
Dividends	-	-	-	-	-
Total assets	€515k	€548k	€534k	€575k	€574k
Equity	€255k	€242k	€260k	€258k	€227k
Debt	€260k	€306k	€273k	€315k	€346k
of which ≤ 1y	€153k	€170k	€102k	€121k	€126k
of which > 1y	€106k	€135k	€164k	€191k	€218k
Working capital	€29k	€29k	€107k	€113k	€89k
Employees (FTE)	1.0	-	1.0	1.0	0.5

Ratios (computed)

	2024	2023	2022	2021	2020
Current ratio	1.19	1.17	2.04	1.93	1.71
Quick ratio	1.19	1.17	2.04	1.93	1.71
Working capital ratio	5.7%	5.3%	19.9%	19.6%	15.5%
Solvency	49.5%	44.2%	48.6%	45.0%	39.5%
Debt / equity	1.02	1.26	1.05	1.22	0.96
Long-term debt ratio	0.42	0.56	0.63	0.74	0.96
Interest coverage	6.33	0.60	2.38	7.60	-
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	2.0%	-3.2%	0.2%	5.5%	8.9%
ROE	4.1%	-7.2%	0.4%	12.3%	22.6%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2024

Assets

Fixed assets €333k · 64.5% Current assets €183k · 35.5%

Equity & liabilities

Equity €255k · 49.5% Debt €260k · 50.5%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024	2023	2022	2021	2020
Balance sheet, Assets
TOTAL ASSETS	20/58	€515k	€548k	€534k	€575k	€574k
Fixed assets	21/28	€333k	€349k	€326k	€341k	€359k
Tangible fixed assets	22/27	€330k	€347k	€323k	€339k	€357k
Financial fixed assets	28	€2k	€2k	€2k	€2k	€2k
Current assets	29/58	€183k	€199k	€209k	€234k	€214k
Amounts receivable within one year	40/41	€148k	€153k	€150k	€141k	€116k
Cash & bank	54/58	€4k	€8k	€32k	€64k	€79k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€515k	€548k	€534k	€575k	€574k
Equity	10/15	€255k	€242k	€260k	€258k	€227k
Contributions / capital	10/11	€20k	€20k	€19k	€19k	-
Reserves	13	€237k	€237k	€239k	€239k	€207k
Accumulated profits (losses)	14	€-2k	€-15k	€2k	€973	€1k
Provisions & deferred taxes	16	-	-	€2k	€2k	€2k
Amounts payable	17/49	€260k	€306k	€273k	€315k	€346k
Amounts payable after one year	17	€106k	€135k	€164k	€191k	€218k
Amounts payable within one year	42/48	€153k	€170k	€102k	€121k	€126k
Trade debts payable within one year	44	€16k	€15k	€7k	€4k	€4k
Income statement
Gross operating margin	9900	€67k	€39k	€55k	€106k	€111k
Operating result	9901	€20k	€-4k	€11k	€54k	€68k
Financial income	75	€3k	-	€1k	€217	€18
Financial charges	65	€6k	€11k	€11k	€10k	€11k
Result before taxes	9903	€17k	€-15k	€1k	€44k	€57k
Income taxes	67/77	€6k	€3k	€-85	€12k	€6k
Net result for the period	9904	€10k	€-17k	€1k	€32k	€51k
Result to be appropriated	9905	€10k	€-17k	€1k	€32k	€51k

Directors & mandates 1 directors

Current directors & mandates

CRABBE Alexander Simon
Director
State Gazette act 24309321 (05-01-2024)

Current
05-01-2024 → present

Legal Structure

NACE primary	Agents in non-specialised wholesale trade(46190)
Legal form	Private limited company(610)
Incorporation	18-03-1988
Status	Active
Postal code	1780

Establishment units 1 location

C. IMMO

Fr. Robbrechtsstraat 1, 1780 WemmelNACE 70201

since 19882.039.449.645

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
22005A0556/00K002	Flanders	86 m²	1 · 85 m²	-

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

2025

11-11

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 103 days late

2024

31-12

Financial Back to profitnet €10k

Net result €10k after one loss-making year.

19-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 141 days late

05-01

State Gazette act Director changes

Pamela Carrette · correction

2023

31-12

Financial Weakest financial yearnet €-17k ▼1651%

Net result drops to €-17k, the lowest in the series; recovery starts the following year.

05-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 66 days late

2022

27-07

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

20-09

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 51 days late

2020

16-07

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

19-03

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

11-06

NBB filing Annual accounts filed

fiscal year 2017 · abbreviated schema

2017

01-08

NBB filing Annual accounts filed

fiscal year 2016 · abbreviated schema · 1 day late

2016

26-09

NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema · 57 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

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.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

05-01-2024 CRABBE Alexander Simon appointed as director Director changes·Pamela Carrettecorrection

CRABBE Alexander Simon, Bestuurder

Notary: Pamela Carrette · Jette

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Agents in non-specialised wholesale trade46190Renting and operating of own or leased residential real estate, excluding social housing68201

Names & trade names

Legal nameNL

C. IMMO

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