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CK IMMO

Active
Private limited companyfounded 20242 yrs activeRue Docteur F.Dufour(NAL) 11, 6120 Ham-sur-Heure-Nalinnes, BelgiumKBO/BCE: BE 1005.593.060
Summary

The computed 12-month bankruptcy probability of CK IMMO is 3.4% (moderate). The 2025 annual accounts show equity of €88,850 and a net result of -€27,561. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability20▲+6
Solvency38▼-3
Growth58
Track record82
Bankruptcy probability, 12 months
3.4% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.1 against 0.05 in 2024; short-term debt: 15.8% and cash: 0.7% of total assets), and 87.4% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
12.6%
Return on assets
-3.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
2425
2024 to 2025 · latest year -€27,561
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 2 filings
Deviation from the deadline
2025
28 d late
2024
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 28 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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 months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

CK IMMO was incorporated on 5 February 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€88,850▼ 23.7%
2024 · €116,410
Total assets
€706,090▼ 2.2%
2024 · €721,891
Net result
-€27,561▲ 17.9%
2024 · -€33,590
Working capital
-€100,549▼ 36.0%
2024 · -€73,957
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€18,060--€8,638▲ 52.2%
Net result-€33,590--€27,561▲ 17.9%
Equity€116,410-€88,850▼ 23.7%
Total assets€721,891-€706,090▼ 2.2%
Debt€605,480-€617,240▲ 1.9%
Working capital-€73,957--€100,549▼ 36.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€30,000-€20,000-€10,000€0Operating result 2024: -€18,060-€18,060Net result 2024: -€33,590-€33,590Operating result 2025: -€8,638-€8,638Net result 2025: -€27,561-€27,56120242025-€40,000-€30,000-€20,000-€10,000€0Operating result 2024: -€18,060-€18,100Net result 2024: -€33,590-€33,600Operating result 2025: -€8,638-€8,640Net result 2025: -€27,561-€27,60020242025
The operating result stays negative: a loss of €8,638 in 2025 against €18,060 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706,090
Fixed assets €695,223 ▼ 3.1%
Current assets €10,867 ▲ 174%
Equity and liabilities €706,090
Equity €88,850 ▼ 23.7%
Debt €617,240 ▲ 1.9%
Debt's share of the balance-sheet total rises from 83.9% to 87.4%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€14,061▲
2024 · €1,282
Cash flow
-€4,862▲
2024 · -€14,247
Current ratio
0.10▲
2024 · 0.05
Debt to equity
6.95▲
2024 · 5.20
ROE
-31.0%▼
2024 · -28.9%
ROA
-3.9%▲
2024 · -4.7%
Interest coverage
0.74▲
2024 · 0.08
Debt ≤ 1 year
€111,417▲
2024 · €77,926
Debt > 1 year
€502,576▼
2024 · €523,356
Income taxes
€20
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 440 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.

  • Small
  • 2 to 5 years old
  • solvency 10 to 30%
  • a small loss
1.6% went bankrupt
3.0% stopped otherwise
95% still going

For this company itself Checked computes a higher bankruptcy probability: 3.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 440 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 37 lines
Balance sheet Code20242025
Assets
Total assets20/58€721,891€706,090▼
Formation expenses20€189€0▼
Fixed assets21/28€717,733€695,223▼
Tangible fixed assets22/27€717,733€695,223▼
Land and buildings22€717,733€695,223▼
Current assets29/58€3,969€10,867▲
Current investments50/53-€3,097
Cash at bank and in hand54/58€3,969€5,087▲
Deferred charges and accrued income490/1-€2,683
Equity and liabilities
Total equity and liabilities10/49€721,891€706,090▼
Equity10/15€116,410€88,850▼
Contributions10/11€150,000€150,000=
Profit (loss) carried forward14-€33,590-€61,150▼
Amounts payable17/49€605,480€617,240▲
Amounts payable after more than one year17€523,356€502,576▼
Financial debts170/4€523,356€502,576▼
Amounts payable within one year42/48€77,926€111,417▲
Current portion of amounts payable after more than one year42€20,058€20,780▲
Trade debts44-€9,157
Suppliers440/4-€9,157
Advances received on contracts in progress46€2,950€4,900▲
Other amounts payable47/48€54,918€76,580▲
Accrued charges and deferred income492/3€4,198€3,248▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,342€22,699▲
Other operating charges640/8€4,937€7,074▲
Gross operating margin9900€6,219€21,135▲
Operating profit (loss)9901-€18,060-€8,638▲
Financial income75/76B-€68
Recurring financial income75-€68
Financial charges65/66B€15,529€18,970▲
Recurring financial charges65€15,529€18,970▲
Profit (loss) for the period before taxes9903-€33,590-€27,540▲
Income taxes67/77-€20
Profit (loss) for the period9904-€33,590-€27,561▲
Profit (loss) for the period to be appropriated9905-€33,590-€27,561▲
Appropriation of the result
Profit (loss) to be appropriated9906-€33,590-€61,150▼
Profit (loss) brought forward from the previous period14P--€33,590

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19,342€22,699▲ 17.4%
Other operating charges640/8€4,937€7,074▲ 43.3%
Gross operating margin9900€6,219€21,135▲ 240%
Operating profit (loss)9901-€18,060-€8,638▲ 52.2%
Financial income75/76B-€68-
Recurring financial income75-€68-
Financial charges65/66B€15,529€18,970▲ 22.2%
Recurring financial charges65€15,529€18,970▲ 22.2%
Profit (loss) for the period before taxes9903-€33,590-€27,540▲ 18.0%
Income taxes67/77-€20-
Profit (loss) for the period9904-€33,590-€27,561▲ 17.9%
Profit (loss) for the period to be appropriated9905-€33,590-€27,561▲ 17.9%
Line20242025Change
Assets
Total assets20/58€721,891€706,090▼ 2.2%
Formation expenses20€189€0▼ 100%
Fixed assets21/28€717,733€695,223▼ 3.1%
Tangible fixed assets22/27€717,733€695,223▼ 3.1%
Land and buildings22€717,733€695,223▼ 3.1%
Current assets29/58€3,969€10,867▲ 174%
Current investments50/53-€3,097-
Cash at bank and in hand54/58€3,969€5,087▲ 28.2%
Deferred charges and accrued income490/1-€2,683-
Equity and liabilities
Total equity and liabilities10/49€721,891€706,090▼ 2.2%
Equity10/15€116,410€88,850▼ 23.7%
Contributions10/11€150,000€150,000=
Profit (loss) carried forward14-€33,590-€61,150▼ 82.1%
Amounts payable17/49€605,480€617,240▲ 1.9%
Amounts payable after more than one year17€523,356€502,576▼ 4.0%
Financial debts170/4€523,356€502,576▼ 4.0%
Amounts payable within one year42/48€77,926€111,417▲ 43.0%
Current portion of amounts payable after more than one year42€20,058€20,780▲ 3.6%
Trade debts44-€9,157-
Suppliers440/4-€9,157-
Advances received on contracts in progress46€2,950€4,900▲ 66.1%
Other amounts payable47/48€54,918€76,580▲ 39.4%
Accrued charges and deferred income492/3€4,198€3,248▼ 22.6%
Line20242025Change
Profit (loss) for the period9904-€33,590-€27,561▲ 17.9%
+ Depreciation and write-downs630€19,342€22,699▲ 17.4%
Operating cash flow (approximation)-€14,247-€4,862▲ 65.9%
Investment in fixed assets (approximation)--€189-
Change in cash-€1,118-

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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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
28-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
NBB filing
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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2024
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 Docteur F.Dufour(NAL) 116120 Ham-sur-Heure-Nalinnes
1 establishment unit
CK IMMO
Rue Docteur F.Dufour(NAL) 11, 6120 Ham-sur-Heure-NalinnesReal estate activities
since 20242.357.908.365

Identification & contact

Identification
Legal formPrivate limited company
Founded05-02-2024
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:1005593060
Also 9925:BE1005593060
Registered 06-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.