CONSTANT IMMO
ActiveCONSTANT IMMO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €291k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 95% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100=
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
balance sheet total too small for a liquidity verdict, and 0% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 68
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
100%
Return on assets
28.7%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
128 d early
2023
131 d early
2022
136 d early
2021
135 d early
2020
132 d early
2019
129 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€291k
2024 · €-294k
2018: €97k
2019: €4k
2020: €13k
2021: €20k
2022: €23k
2023: €20k
2024: €-294k
2018 → 2025
Working capital
€524k▲ 1,874%
2024 · €27k
2018: €-370k
2019: €-317k
2020: €-273k
2021: €-231k
2022: €-191k
2023: €-56k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€975k-€997k▲ 2.3%€1.02M▲ 2.0%€723k▼ 28.9%€1.01M▲ 40.3%
Operating result€28k-€31k▲ 11.2%€27k▼ 14.2%€20k▼ 23.7%€26k▲ 28.6%
Net result€20k-€23k▲ 16.1%€20k▼ 12.4%€-294k€291k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€490k▼ 29.7%
Current assets
€524k▲ 898%
Equity and liabilities €1.01M
Equity
€1.01M▲ 40.3%
Debt
€49▼ 99.8%
The debt ratio falls from 3.5% to 0.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€47k▼
2024 · €48k
Cash flow
€312k▲
2024 · €-267k
Solvency
100.0%▲
2024 · 96.5%
Debt / equity
0.00▼
2024 · 0.04
ROE
28.7%▲
2024 · -40.7%
ROA
28.7%▲
2024 · -39.3%
Interest coverage
66.42▲
2024 · 14.76
Debt
€49▼
2024 · €26k
Debt ≤ 1 year
€49▼
2024 · €26k
A ratio outside any meaningful range has been withheld (balance sheet total €1.01M, equity €1.01M).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€749k€1.01M▲
Fixed assets21/28€696k€490k▼
Tangible fixed assets22/27€496k€490k▼
Land and buildings22€491k€486k▼
Plant, machinery and equipment23€5k€4k▼
Financial fixed assets28€200k-
Current assets29/58€53k€524k▲
Amounts receivable within one year40/41€295€666▲
Trade receivables40€295€285▼
Other amounts receivable41-€381
Current investments50/53€50k-
Cash at bank and in hand54/58€250€522k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€749k€1.01M▲
Equity10/15€723k€1.01M▲
Contributions10/11€323k€178k▼
Outside capital11€323k€178k▼
Other1109/19€323k€178k▼
Revaluation surpluses12€331k€314k▼
Reserves13€276k€439k▲
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€266k€429k▲
Profit (loss) carried forward14€-207k€84k▲
Amounts payable17/49€26k€49▼
Amounts payable within one year42/48€26k€49▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45€2k€49▼
Taxes450/3€2k€49▼
Other amounts payable47/48€20k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€21k▼
Other operating charges640/8€12k€12k▲
Gross operating margin9900€60k€60k▼
Operating profit (loss)9901€20k€26k▲
Financial income75/76B€131€266k▲
Recurring financial income75€131€1k▲
Non-recurring financial income76B-€264k
Financial charges65/66B€315k€713▼
Recurring financial charges65€3k€713▼
Non-recurring financial charges66B€312k-
Profit (loss) for the period before taxes9903€-294k€291k▲
Profit (loss) for the period9904€-294k€291k▲
Profit (loss) for the period to be appropriated9905€-294k€291k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-207k€84k▲
Profit (loss) brought forward from the previous period14P€87k€-207k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 17 days late
2025
31-12
Financial
Back to profitnet €291k
Net result €291k after one loss-making year.
31-12
Financial
Liquidity times 5240current ratio 10599.27
Current ratio from 2.02 to 10599.27; short-term debt falls from €26k to €49.
31-12
Financial
Equity above €1MEq €1.01M ▲40.3%
Equity rises from €723k to €1.01M.
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-294k ▼1579%
Net result drops to €-294k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 12current ratio 2.02
Current ratio from 0.16 to 2.02; short-term debt falls from €67k to €26k.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €1MEq €1.02M ▲2%
6 profitable years in a row build equity to €1.02M.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
22-12-2025
Anne-Marie CONSTANT: Resigned as Director
22-12-2025
CONSTANT SOFTWARE SYSTEMS: Resigned as Director
03-01-2024
CONSTANT AnneMarie: Resigned as Director
03-01-2024
CONSTANT François: Resigned as Director
03-01-2024
José CONSTANT: Resigned as Director
30-06-2019
Eric François: Resigned as Director
Location & real-estate footprint
Registered office, Herve · 1 establishment unit since 1987
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 du Trèfle 104650 HerveGround area
3,234 m²
Building footprint
1,736 m²
Volume, LiDAR
6,975 m³
Parcel 63014A0595/00S002, Wallonia · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue du Trèfle 10, 4650 Herve
since 19872.129.026.868
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63014A0595/00S002 | Wallonia | 3,234 m² | 1 · 1,736 m² | 6.4 m · 1 fl. |
Linked by address, not proof of ownership
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.
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Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,800 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-1987
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
35110Production of electricity from non-renewable sources
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.