CLASSIMMO
ActiveSummary
CLASSIMMO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€207,499) and a net result of -€16,841. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 6% of 19375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability19▲+19
Solvency0=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.6 against 0.64 in 2023; short-term debt: 160% and cash: 0.1% of total assets), and equity is negative.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-62.3%
Return on assets
-5.1%
Age of the figures
21 mo
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 →
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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€207,499
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
122 d late
2022
127 d late
2021
78 d late
2020
443 d late
2019
116 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 158 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€16,841▲ 81.5%
2023 · -€91,123
Working capital
-€215,722▼ 2.3%
2023 · -€210,837
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€39,895▲ 93.1%€32,044▼ 19.7%€15,506▼ 51.6%-€88,302-€10,351▲ 88.3%
Net result€26,312within the sector's middle half▲ 48.4%€30,633within the sector's middle half▲ 16.4%€17,636within the sector's middle half▼ 42.4%-€91,123below the sector's middle half-€16,841below the sector's middle half▲ 81.5%
Equity-€147,803below the sector's middle half▲ 15.1%-€117,170below the sector's middle half▲ 20.7%-€99,534below the sector's middle half▲ 15.1%-€190,657below the sector's middle half▼ 91.5%-€207,499below the sector's middle half▼ 8.8%
Total assets€960,142within the sector's middle half▲ 112%€979,473within the sector's middle half▲ 2.0%€1.2mabove the sector's middle half▲ 26.2%€396,666within the sector's middle half▼ 67.9%€333,105within the sector's middle half▼ 16.0%
Debt€1.1m▲ 77.0%€1.1m▼ 1.0%€1.3m▲ 21.8%€587,323▼ 56.0%€540,604▼ 8.0%
Working capital-€167,285below the sector's middle half▲ 5.2%-€176,457below the sector's middle half▼ 5.5%-€131,671below the sector's middle half▲ 25.4%-€210,837below the sector's middle half▼ 60.1%-€215,722below the sector's middle half▼ 2.3%
Solvency-15.4%below the sector's middle half▲ 23.1pp-12.0%below the sector's middle half▲ 3.4pp-8.1%below the sector's middle half▲ 3.9pp-48.1%below the sector's middle half▼ 40.0pp-62.3%below the sector's middle half▼ 14.2pp
Current ratio0.85within the sector's middle half▲ 0.140.84within the sector's middle half▼ 0.010.90within the sector's middle half▲ 0.060.64within the sector's middle half▼ 0.260.60within the sector's middle half▼ 0.04
Return on assets (ROA)2.7%within the sector's middle half▼ 1.2pp3.1%within the sector's middle half▲ 0.4pp1.4%within the sector's middle half▼ 1.7pp-23.0%below the sector's middle half▼ 24.4pp-5.1%below the sector's middle half▲ 17.9pp
Staff (FTE)10.8▼ 20.0%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10,351 in 2024 against €88,302 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €333,105
Fixed assets
€15,724 ▼ 43.2%
Current assets
€317,382 ▼ 14.0%
Key figures and ratios
EBITDA
€1,605▲
2023 · -€76,345
Cash flow
-€4,885▲
2023 · -€79,166
Debt to equity
-2.61▲
2023 · -3.08
Interest coverage
0.78▲
2023 · -27.17
Debt ≤ 1 year
€533,104▼
2023 · €579,823
Income taxes
€4,428▲
2023 · €11
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,799 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
1.9%
went bankrupt
5.9%
stopped otherwise
90%
still going
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.6% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 2,799 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €26,788 | €31,995 | €33,219 | €38,415 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,544 | €12,569 | €17,551 | €11,956 | €11,956 | = |
| Other operating charges640/8 | €197 | €198 | €201 | €219 | €231 | ▲ 5.2% |
| Gross operating margin9900 | €74,424 | €76,806 | €66,477 | -€37,711 | €1,836 | ▲ 105% |
| Operating profit (loss)9901 | €39,895 | €32,044 | €15,506 | -€88,302 | -€10,351 | ▲ 88.3% |
| Financial income75/76B | €0 | - | €4,162 | - | €0 | - |
| Recurring financial income75 | €0 | - | €4,162 | - | €0 | - |
| Financial charges65/66B | €1,792 | €1,411 | €1,794 | €2,810 | €2,062 | ▼ 26.6% |
| Recurring financial charges65 | €1,792 | €1,411 | €1,794 | €2,810 | €2,062 | ▼ 26.6% |
| Profit (loss) for the period before taxes9903 | €38,102 | €30,633 | €17,874 | -€91,112 | -€12,414 | ▲ 86.4% |
| Income taxes67/77 | €11,791 | - | €238 | €11 | €4,428 | ▲ 40,560% |
| Profit (loss) for the period9904 | €26,312 | €30,633 | €17,636 | -€91,123 | -€16,841 | ▲ 81.5% |
| Profit (loss) for the period to be appropriated9905 | €26,312 | €30,633 | €17,636 | -€91,123 | -€16,841 | ▲ 81.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €960,142 | €979,473 | €1.2m | €396,666 | €333,105 | ▼ 16.0% |
| Fixed assets21/28 | €29,986 | €66,787 | €39,636 | €27,680 | €15,724 | ▼ 43.2% |
| Tangible fixed assets22/27 | €20,386 | €57,187 | €39,636 | €27,680 | €15,724 | ▼ 43.2% |
| Plant, machinery and equipment23 | - | €43,610 | €33,736 | €27,680 | €13,988 | ▼ 49.5% |
| Furniture and vehicles24 | €20,386 | €13,577 | €5,900 | - | €1,735 | - |
| Financial fixed assets28 | €9,600 | €9,600 | - | - | - | - |
| Current assets29/58 | €930,156 | €912,685 | €1.2m | €368,986 | €317,382 | ▼ 14.0% |
| Amounts receivable within one year40/41 | €667,932 | €665,055 | €894,094 | €67,981 | €108,035 | ▲ 58.9% |
| Trade receivables40 | €259,950 | €267,352 | €304,852 | €48,682 | €68,582 | ▲ 40.9% |
| Other amounts receivable41 | €407,982 | €397,703 | €589,242 | €19,299 | €39,453 | ▲ 104% |
| Cash at bank and in hand54/58 | €15,340 | €1,236 | €1,733 | €305 | €363 | ▲ 18.8% |
| Deferred charges and accrued income490/1 | €246,884 | €246,394 | €300,694 | €300,699 | €208,984 | ▼ 30.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €960,142 | €979,473 | €1.2m | €396,666 | €333,105 | ▼ 16.0% |
| Equity10/15 | -€147,803 | -€117,170 | -€99,534 | -€190,657 | -€207,499 | ▼ 8.8% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Profit (loss) carried forward14 | -€166,395 | -€135,762 | -€118,126 | -€209,249 | -€226,091 | ▼ 8.0% |
| Amounts payable17/49 | €1.1m | €1.1m | €1.3m | €587,323 | €540,604 | ▼ 8.0% |
| Amounts payable after more than one year17 | €3,004 | - | - | - | - | - |
| Financial debts170/4 | €3,004 | - | - | - | - | - |
| Amounts payable within one year42/48 | €1.1m | €1.1m | €1.3m | €579,823 | €533,104 | ▼ 8.1% |
| Current portion of amounts payable after more than one year42 | €7,169 | €3,004 | - | - | - | - |
| Financial debts43 | - | €11,275 | - | €12,276 | €11,255 | ▼ 8.3% |
| Credit institutions430/8 | - | €11,275 | - | €12,276 | €11,255 | ▼ 8.3% |
| Trade debts44 | €304,005 | €303,850 | €276,092 | €226,165 | €236,487 | ▲ 4.6% |
| Suppliers440/4 | €304,005 | €303,850 | €276,092 | €226,165 | €236,487 | ▲ 4.6% |
| Advances received on contracts in progress46 | €216,594 | €216,594 | €216,594 | €216,594 | €216,594 | = |
| Taxes, remuneration and social security45 | €10,125 | €13,291 | €3,568 | €174 | - | - |
| Taxes450/3 | €10,125 | €13,291 | €3,568 | €174 | - | - |
| Other amounts payable47/48 | €559,547 | €541,128 | €831,936 | €124,614 | €68,768 | ▼ 44.8% |
| Accrued charges and deferred income492/3 | €7,500 | €7,500 | €7,500 | €7,500 | €7,500 | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €26,312 | €30,633 | €17,636 | -€91,123 | -€16,841 | ▲ 81.5% |
| + Depreciation and write-downs630 | €7,544 | €12,569 | €17,551 | €11,956 | €11,956 | = |
| Operating cash flow (approximation) | €33,856 | €43,202 | €35,187 | -€79,166 | -€4,885 | ▲ 93.8% |
| Investment in fixed assets (approximation) | - | -€49,370 | €9,600 | €0 | €0 | - |
| Change in cash | - | -€14,104 | €497 | -€1,427 | €57 | ▲ 104% |
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 122 days late
2023
31-12
Financial
Weakest financial yearnet -€91,123
Net result drops to -€91,123, the lowest in the series; recovery starts the following year.
05-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 127 days late
2022
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 78 days late
17-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 443 days late
2021
31-12
Financial
Highest result since 2018net €30,633 ▲16.4%
Net result €30,633, the highest in the series.
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 116 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 21 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gembloux · 2 establishment units since 2001
Ground area
6,164 m²
Building footprint
328 m²
Volume, LiDAR
5,522 m³
2 parcels, Brussels, Wallonia · tallest building 38.6 m, ±11 floors. Linked by address, not a title deed.
2 establishment units
Chaussée de Namur 132, 5030 Gembloux
since 20012.093.489.929
CLASSIMMO
since 20032.126.163.289
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92254A0387/00L000 | Wallonia | 5,146 m² | 1 · 152 m² | - |
| 21807G0060/00T002 | Brussels | 1,018 m² | 1 · 176 m² | 38.6 m · 11 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded16-07-1999
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466557825
Registered
26-06-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.