C&T Immo
ActiveSummary
C&T Immo has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €683k and a net result of €165k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability79▲+51
Solvency58▼-16
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.61 in 2023; short-term debt: 24.8% and cash: 9.5% of total assets), and 66.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
41 d early
2023
44 d early
2022
4 d early
2021
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€683k▲ 31.8%
2023 · €518k
2021: €68klowest in 4 years
2022: €557k▲ +717% vs 2021
2023: €518k▼ -7.0% vs 2022
2024: €683k▲ +31.8% vs 2023highest in 4 years
2021 → 2024
Total assets
€2.04M▲ 92.3%
2023 · €1.06M
2021: €584klowest in 4 years
2022: €1.12M▲ +91.7% vs 2021
2023: €1.06M▼ -5.1% vs 2022
2024: €2.04M▲ +92.3% vs 2023highest in 4 years
2021 → 2024
Net result
€165k
2023 · €-39k
2021: €-32k
2022: €-11k▲ +64.3% vs 2021
2023: €-39k▼ -243% vs 2022lowest in 4 years
2024: €165k▲ +523% vs 2023highest in 4 years
2021 → 2024
Working capital
€-289k▼ 182%
2023 · €-103k
2021: €-109k
2022: €296k▲ +371% vs 2021highest in 4 years
2023: €-103k▼ -135% vs 2022
2024: €-289k▼ -182% vs 2023lowest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€68k-€557k▲ 717%€518k▼ 7.0%€683k▲ 31.8%
2021: €68klowest in 4 years
2022: €557k▲ +717% vs 2021
2023: €518k▼ -7.0% vs 2022
2024: €683k▲ +31.8% vs 2023highest in 4 years
Operating result€-22k-€-7k▲ 69.9%€-36k▼ 438%€193k
2021: €-22k
2022: €-7k▲ +69.9% vs 2021
2023: €-36k▼ -438% vs 2022lowest in 4 years
2024: €193k▲ +629% vs 2023highest in 4 years
Net result€-32k-€-11k▲ 64.3%€-39k▼ 243%€165k
2021: €-32k
2022: €-11k▲ +64.3% vs 2021
2023: €-39k▼ -243% vs 2022lowest in 4 years
2024: €165k▲ +523% vs 2023highest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €193k after a loss of €36k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €2.04M
Fixed assets
€1.83M ▲ 103%
Current assets
€217k ▲ 33.9%
Equity and liabilities €2.04M
Equity
€683k ▲ 31.8%
Debt
€1.36M ▲ 150%
Debt's share of the balance-sheet total rises from 51.2% to 66.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€226k
Cash flow
€199k
Current ratio
0.43▼
2023 · 0.61
Debt to equity
1.99▲
2023 · 1.05
ROE
24.2%▲
2023 · -7.5%
ROA
8.1%▲
2023 · -3.7%
Interest coverage
8.16
Debt ≤ 1 year
€506k▲
2023 · €264k
Debt > 1 year
€854k▲
2023 · €280k
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 · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.06M€2.04M▲
Fixed assets21/28€900k€1.83M▲
Tangible fixed assets22/27€900k€1.83M▲
Land and buildings22€493k€1.83M▲
Assets under construction and advance payments27€408k€0▼
Current assets29/58€162k€217k▲
Amounts receivable within one year40/41€6k€21k▲
Trade receivables40-€16k
Other amounts receivable41€6k€5k▼
Cash at bank and in hand54/58€154k€194k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€2.04M▲
Equity10/15€518k€683k▲
Contributions10/11€600k€600k=
Reserves13-€83k
Distributable reserves133-€83k
Profit (loss) carried forward14€-82k€0▲
Amounts payable17/49€544k€1.36M▲
Amounts payable after more than one year17€280k€854k▲
Financial debts170/4€280k€254k▼
Other amounts payable178/9-€600k
Amounts payable within one year42/48€264k€506k▲
Current portion of amounts payable after more than one year42€28k€28k▲
Trade debts44€13k€72k▲
Suppliers440/4€13k€72k▲
Taxes, remuneration and social security45-€15k
Taxes450/3-€15k
Other amounts payable47/48€224k€390k▲
Accrued charges and deferred income492/3€344€315▼
Income statement
Code20232024
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€34k
Other operating charges640/8€682€3k▲
Gross operating margin9900€-36k€230k▲
Operating profit (loss)9901€-36k€193k▲
Financial income75/76B€2k€0▼
Recurring financial income75€2k€0▼
Financial charges65/66B€4k€28k▲
Recurring financial charges65€4k€28k▲
Profit (loss) for the period before taxes9903€-39k€165k▲
Profit (loss) for the period9904€-39k€165k▲
Profit (loss) for the period to be appropriated9905€-39k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-82k€83k▲
Profit (loss) brought forward from the previous period14P€-43k€-82k▼
Transfer to equity691/2-€83k
To other reserves6921-€83k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €2k | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | - | - | €34k | - |
| Other operating charges640/8 | €2k | €739 | €682 | €3k | ▲ 368% |
| Gross operating margin9900 | €-17k | €-6k | €-36k | €230k | ▲ 742% |
| Operating profit (loss)9901 | €-22k | €-7k | €-36k | €193k | ▲ 629% |
| Financial income75/76B | - | €28 | €2k | €0 | ▼ 100% |
| Recurring financial income75 | - | €28 | €2k | €0 | ▼ 100% |
| Financial charges65/66B | €9k | €5k | €4k | €28k | ▲ 538% |
| Recurring financial charges65 | €9k | €5k | €4k | €28k | ▲ 538% |
| Profit (loss) for the period before taxes9903 | €-32k | €-11k | €-39k | €165k | ▲ 523% |
| Profit (loss) for the period9904 | €-32k | €-11k | €-39k | €165k | ▲ 523% |
| Profit (loss) for the period to be appropriated9905 | €-32k | €-11k | €-39k | €165k | ▲ 523% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €584k | €1.12M | €1.06M | €2.04M | ▲ 92.3% |
| Fixed assets21/28 | €508k | €567k | €900k | €1.83M | ▲ 103% |
| Tangible fixed assets22/27 | €508k | €567k | €900k | €1.83M | ▲ 103% |
| Land and buildings22 | €493k | €493k | €493k | €1.83M | ▲ 271% |
| Assets under construction and advance payments27 | €15k | €74k | €408k | €0 | ▼ 100% |
| Current assets29/58 | €76k | €552k | €162k | €217k | ▲ 33.9% |
| Amounts receivable within one year40/41 | €7k | €7k | €6k | €21k | ▲ 246% |
| Trade receivables40 | - | - | - | €16k | - |
| Other amounts receivable41 | €7k | €7k | €6k | €5k | ▼ 22.6% |
| Cash at bank and in hand54/58 | €69k | €545k | €154k | €194k | ▲ 26.6% |
| Deferred charges and accrued income490/1 | - | - | €2k | €1k | ▼ 33.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €584k | €1.12M | €1.06M | €2.04M | ▲ 92.3% |
| Equity10/15 | €68k | €557k | €518k | €683k | ▲ 31.8% |
| Contributions10/11 | €100k | €600k | €600k | €600k | = |
| Reserves13 | - | - | - | €83k | - |
| Distributable reserves133 | - | - | - | €83k | - |
| Profit (loss) carried forward14 | €-32k | €-43k | €-82k | €0 | ▲ 100% |
| Amounts payable17/49 | €516k | €562k | €544k | €1.36M | ▲ 150% |
| Amounts payable after more than one year17 | €330k | €305k | €280k | €854k | ▲ 205% |
| Financial debts170/4 | €330k | €305k | €280k | €254k | ▼ 9.3% |
| Other amounts payable178/9 | - | - | - | €600k | - |
| Amounts payable within one year42/48 | €185k | €257k | €264k | €506k | ▲ 91.3% |
| Current portion of amounts payable after more than one year42 | €27k | €27k | €28k | €28k | ▲ 1.3% |
| Trade debts44 | - | €97 | €13k | €72k | ▲ 465% |
| Suppliers440/4 | - | €97 | €13k | €72k | ▲ 465% |
| Taxes, remuneration and social security45 | - | - | - | €15k | - |
| Taxes450/3 | - | - | - | €15k | - |
| Other amounts payable47/48 | €158k | €229k | €224k | €390k | ▲ 74.3% |
| Accrued charges and deferred income492/3 | €400 | €372 | €344 | €315 | ▼ 8.3% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-32k | €-11k | €-39k | €165k | ▲ 523% |
| + Depreciation and write-downs630 | €3k | - | - | €34k | - |
| Operating cash flow (approximation) | €-29k | €-11k | €-39k | €199k | ▲ 610% |
| Investment in fixed assets (approximation) | - | €-59k | €-334k | €-959k | ▼ 187% |
| Change in cash | - | €476k | €-392k | €41k | ▲ 110% |
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
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €165k
Net result €165k after 3 loss-making years.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 2.15
Current ratio from 0.41 to 2.15.
31-12
Financial
Equity above €500kEq €557k ▲717%
Equity rises from €68k to €557k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Brecht · 1 establishment unit since 2020
Ground area
9,795 m²
Building footprint
179 m²
Volume, LiDAR
1,254 m³
Parcel 11333N0718/02F000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
C&T Immo
since 20202.299.575.139
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11333N0718/02F000 | Flanders | 9,795 m² | 1 · 179 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
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BADEMO
BE 0445.924.440
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ANTIGOON ADVIES
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Immo-Vaessen
BE 0423.878.716
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Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. 4,995 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
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
Scores and ratios are computed by Checked and are not a credit decision.