Summary
CD 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 equity of €48,836 and a net result of -€9,609. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 14% of 1,853 sector peers (NACE 66, financial year 2025). The company has been active since 2012 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
Source: KBO- Status
- Active since 03-12-2012 Normal situation
- Activity
- Activities auxiliary to financial services and insurance activities NACE 66300and 3 others
- Establishment unit
- 2.214.709.938 4367 Crisnée, since 01-01-2013
- Financial year end
- 31 December
- Peppol
- Reachable since 14-11-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
- Loss
- €9,609
- Equity
- €48,836
- ▼ 16.4%
- Total assets
- €850,077
- =
Signalsraises riskWeak solvency compared with the sectorneutralLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 1853 sector peers (2025).
NBB · sector comparisonPosition among 1853 sector peers
Solvency
better than 14%
← 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 21-06-2026, 40 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
40 days early
2024
18 days early
2023
36 days early
2022
51 days early
2021
22 days early
2020
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 33 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 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. The company usually files around 26 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
Financials
Financials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 21-06-2026 at the NBB all 6 filings
Amounts without an identifiable currency are taken as euros.
Equity
€48,836▼ 16.4%
2024 · €58,445
Net result
-€9,609
2024 · €38,756
Total assets
€850,077=
2024 · €850,142
Solvency
5.7%▼ 1.1pp
2024 · 6.9%
Multi-year overview
2020 to 2025, 6 financial yearsTurnover
no figure
2025
20202025
Operating result
-€1,086
2025
20202025
Net result
-€9,609
2025
lowest quarter of the sector
20202025
Equity
€48,836
▼ 16.4%
2025
lowest quarter of the sector
20202025
Total assets
€850,077
=
2025
middle half of the sector
20202025
Debt
€801,241
▲ 1.2%
2025
20202025
Working capital
-€279,638
▼ 25.8%
2025
lowest quarter of the sector
20202025
Solvency
5.7%
▼ 1.1pp
2025
lowest quarter of the sector
20202025
Current ratio
0.00
=
2025
lowest quarter of the sector
20202025
Return on assets (ROA)
-1.1%
▼ 5.7pp
2025
lowest quarter of the sector
20202025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line202020212022202320242025
Turnover€208-
Operating result-€4,851--€2,952▲ 39.2%€13,314-€301€10,947-€1,086
Net result-€4,893below the sector's middle half--€3,021below the sector's middle half▲ 38.3%€2,951below the sector's middle half€28,543within the sector's middle half▲ 867%€38,756within the sector's middle half▲ 35.8%-€9,609below the sector's middle half
Equity-€8,784below the sector's middle half--€11,805below the sector's middle half▼ 34.4%-€8,854below the sector's middle half▲ 25.0%€19,690below the sector's middle half€58,445below the sector's middle half▲ 197%€48,836below the sector's middle half▼ 16.4%
Total assets€2,712below the sector's middle half-€8,896below the sector's middle half▲ 228%€902,440within the sector's middle half▲ 101×€903,534within the sector's middle half▲ 0.1%€850,142within the sector's middle half▼ 5.9%€850,077within the sector's middle half=
Debt€11,496-€20,701▲ 80.1%€911,293▲ 44×€883,845▼ 3.0%€791,697▼ 10.4%€801,241▲ 1.2%
Working capital-€10,778below the sector's middle half--€13,309below the sector's middle half▼ 23.5%-€196,029below the sector's middle half▼ 1,373%-€213,918below the sector's middle half▼ 9.1%-€222,259below the sector's middle half▼ 3.9%-€279,638below the sector's middle half▼ 25.8%
Solvency-323.9%below the sector's middle half--132.7%below the sector's middle half▲ 191.2pp-1.0%below the sector's middle half▲ 131.7pp2.2%below the sector's middle half▲ 3.2pp6.9%below the sector's middle half▲ 4.7pp5.7%below the sector's middle half▼ 1.1pp
Current ratio0.36below the sector's middle half0.21below the sector's middle half▼ 0.150.20below the sector's middle half▼ 0.010.00below the sector's middle half▼ 0.200.00below the sector's middle half=
Return on assets (ROA)-34.0%below the sector's middle half0.3%below the sector's middle half▲ 34.3pp3.2%within the sector's middle half▲ 2.8pp4.6%within the sector's middle half▲ 1.4pp-1.1%below the sector's middle half▼ 5.7pp
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €1,086, after a profit of €10,947 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €850,077
Fixed assets
€850,000 =
Current assets
€77 ▼ 46.0%
Equity and liabilities €850,077
Equity
€48,836 ▼ 16.4%
Debt
€801,241 ▲ 1.2%
Debt's share of the balance-sheet total rises from 93.1% to 94.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-19.7%▼
2024 · 66.3%
Debt ≤ 1 year
€279,715▲
2024 · €222,401
Debt > 1 year
€521,526▼
2024 · €569,296
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Securities and guarantees
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Debts guaranteed by Belgian public bodies | - | €45,778 | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Financial fixed assets | - | €850,000 | - | - | - |
| Depreciation and write-downs of the year | €490 | - | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Turnover70 | €208 | - | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €490 | €490 | - | - | - | - | - |
| Other operating charges640/8 | - | €574 | €1,346 | €384 | €968 | - | - |
| Gross operating margin9900 | -€3,688 | -€1,888 | €14,661 | €84 | €11,915 | -€1,086 | - |
| Operating profit (loss)9901 | -€4,851 | -€2,952 | €13,314 | -€301 | €10,947 | -€1,086 | - |
| Financial income75/76B | - | - | - | €39,047 | €37,000 | - | - |
| Recurring financial income75 | - | - | - | €39,047 | €37,000 | - | - |
| Financial charges65/66B | - | €70 | €10,363 | €10,203 | €9,192 | €8,523 | ▼ 7.3% |
| Recurring financial charges65 | €42 | €70 | €10,363 | €10,203 | €9,192 | €8,523 | ▼ 7.3% |
| Profit (loss) for the period before taxes9903 | -€4,893 | -€3,021 | €2,951 | €28,543 | €38,756 | -€9,609 | - |
| Profit (loss) for the period9904 | -€4,893 | -€3,021 | €2,951 | €28,543 | €38,756 | -€9,609 | - |
| Profit (loss) for the period to be appropriated9905 | -€4,893 | -€3,021 | €2,951 | €28,543 | €38,756 | -€9,609 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Assets | |||||||
| Total assets20/58 | €2,712 | €8,896 | €902,440 | €903,534 | €850,142 | €850,077 | = |
| Fixed assets21/28 | €1,994 | €1,504 | €850,000 | €850,000 | €850,000 | €850,000 | = |
| Tangible fixed assets22/27 | €1,994 | €1,504 | - | - | - | - | - |
| Plant, machinery and equipment23 | - | €1,504 | - | - | - | - | - |
| Financial fixed assets28 | - | - | €850,000 | €850,000 | €850,000 | €850,000 | = |
| Current assets29/58 | €718 | €7,393 | €52,440 | €53,534 | €142 | €77 | ▼ 46.0% |
| Amounts receivable after more than one year29 | - | - | - | €53,354 | - | - | - |
| Other amounts receivable291 | - | - | - | €53,354 | - | - | - |
| Amounts receivable within one year40/41 | €511 | €6,775 | €52,426 | - | - | - | - |
| Trade receivables40 | - | €6,717 | €1 | - | - | - | - |
| Other amounts receivable41 | - | €58 | €52,425 | - | - | - | - |
| Cash at bank and in hand54/58 | €207 | €618 | €14 | €181 | €142 | €77 | ▼ 46.0% |
| Equity and liabilities | |||||||
| Total equity and liabilities10/49 | €2,712 | €8,896 | €902,440 | €903,534 | €850,142 | €850,077 | = |
| Equity10/15 | -€8,784 | -€11,805 | -€8,854 | €19,690 | €58,445 | €48,836 | ▼ 16.4% |
| Contributions10/11 | - | €100 | €100 | €100 | €100 | €100 | = |
| Profit (loss) carried forward14 | -€8,884 | -€11,905 | -€8,954 | €19,590 | €58,345 | €48,736 | ▼ 16.5% |
| Amounts payable17/49 | €11,496 | €20,701 | €911,293 | €883,845 | €791,697 | €801,241 | ▲ 1.2% |
| Amounts payable after more than one year17 | - | - | €662,825 | €616,392 | €569,296 | €521,526 | ▼ 8.4% |
| Financial debts170/4 | - | - | €662,825 | €616,392 | €569,296 | €521,526 | ▼ 8.4% |
| Amounts payable within one year42/48 | €11,496 | €20,701 | €248,468 | €267,453 | €222,401 | €279,715 | ▲ 25.8% |
| Current portion of amounts payable after more than one year42 | - | - | €45,778 | €46,433 | €47,096 | €279,715 | ▲ 494% |
| Trade debts44 | €0 | €97 | - | - | - | - | - |
| Suppliers440/4 | - | €97 | - | - | - | - | - |
| Other amounts payable47/48 | - | €20,605 | €202,690 | €221,020 | €175,305 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,893 | -€3,021 | €2,951 | €28,543 | €38,756 | -€9,609 | - |
| + Depreciation and write-downs630 | €490 | €490 | - | - | - | - | - |
| Operating cash flow (approximation) | -€4,403 | -€2,531 | €2,951 | €28,543 | €38,756 | -€9,609 | - |
| Investment in fixed assets (approximation) | - | €0 | -€848,496 | €0 | €0 | €0 | - |
| Change in cash | - | €411 | -€604 | €167 | -€38 | -€65 | ▼ 70.6% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (6)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 21-06-2026 | 2026-00179468 | |
| 31-12-2024 | full format | 13-07-2025 | 2025-00262366 | |
| 31-12-2023 | full format | 25-06-2024 | 2024-00157977 | |
| 31-12-2022 | full format | 10-06-2023 | 2023-00117764 | |
| 31-12-2021 | micro format | 09-07-2022 | 2022-20166719 | |
| 31-12-2020 | micro format | 03-07-2021 | 2021-30000202 |
Board & ownership
Directors
Directors
1 director, last change in 2022
Dumont Christophe
Current
Director · listed in the 2025 annual accounts, filed on 21-06-2026
Owners and capital
Owners
Mandate history
3 people, 1 in office
- Board
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| Dumont Christophe |
|
| CD Immo |
|
| VERTIMMO |
|
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- VERTIMMOsubsidiarySourceown accounts 2023Equity €1.1m Loss of €19,050 in 2025 (profit of €9,693 in 2024) Checked score 89100%
Companies at the same address
3 other companiesConnections & network
1 current directorThe board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
This company
Company
Director
Shareholding
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Timeline
Acts, filings and financial milestones
Deadline for the 2026 accounts:
2026
21-06
abbreviated format · 40 days before the deadline
2025
31-12
Financial
Weakest financial yearnet -€9,609
The net result drops to -€9,609, the lowest from 2020 to 2025.
13-07
full format · 18 days before the deadline
2024
31-12
Financial
Highest result from 2020 to 2025net €38,756 ▲35.8%
The net result of €38,756 is the highest of those years.
25-06
full format · 36 days before the deadline
2023
10-06
full format · 51 days before the deadline
2022
31-12
Financial
Back to profitnet €2,951
The net result is €2,951, after 2 loss-making years.
28-11
Gazette deed
Registered office moved from Remicourt to CrisnéeNew seat: 4367 Crisnée, rue Louis Renard, 17 · Previous seat: 4350 Remicourt, rue Haut Vinave, 18 A2 points ▸
Gazette deed
Registered office moved from Remicourt to Crisnée
New seat: 4367 Crisnée, rue Louis Renard, 17 · Previous seat: 4350 Remicourt, rue Haut Vinave, 18 A2 points ▸
- Board meeting, 03-10-2022
- Registered-office move, 4367 Crisnée, rue Louis Renard, 17
09-07
micro format · 22 days before the deadline
18-01
Gazette deed
Permanent representative: Christophe DumontAppointment: CD Immo (director)3 points ▸
Gazette deed
Permanent representative: Christophe Dumont
Appointment: CD Immo (director)3 points ▸
- General meeting, 13-01-2022, mentioned 2 times in the deed
- Permanent representative, Christophe Dumont
- Director appointment, CD Immo (director)
2021
03-07
micro format · 28 days before the deadline
2012
12-12
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
CD Immo in French
Abbreviation
G4Y in French
Enterprise number
0501.683.901
Legal form
Private limited company
Status
Active, normale toestand
Founded
03-12-2012
Entity type
Legal entity
Registered office and establishments
Registered office
Rue Louis Renard 17, 4367 Crisnée, Belgium
1 former office
- 4350 Remicourt until 03-10-2022 · act of 28-11-2022
Establishment unit
Rue Louis Renard 17, 4367 Crisnée since 01-01-2013 · unit number 2.214.709.938
Phone
043250921
Phone
0478-731.788Crisnée
Activities
NACEBEL 202566300
Activities auxiliary to financial services and insurance activities main activity
46180
Agents specialised in the wholesale of other particular products
68201
Renting and operating of own or leased residential real estate, excluding social housing
68204
Real estate activities
Codes under NACEBEL 2008
66300
Activities auxiliary to financial services and insurance activities main activity
46180
Wholesale trade
68201
Real estate activities
68204
Real estate activities
Invoicing and payment
VAT number
BE 0501.683.901
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the address
Ground area
1,706 m²
Building footprint
107 m²
Building volume
656 m³
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 64415B0365/00K000 | Wallonia | 1,706 m² | 1 · 107 m² | 8.5 m · 2 |