CONTIGO.IMMO
ActiveCONTIGO.IMMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €264k and a net result of €4k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40=
Solvency64▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.9 against 0.95 in 2024; short-term debt: 49.3% and cash: 8.7% of total assets), and 61.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
38.6%
Return on assets
0.6%
Age of the figures
9 mo
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
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
28 d late
2023
24 d late
2022
on the day
2021
46 d early
2020
3 d late
2019
87 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▲ 50.4%
2024 · €3k
2018: €-1k
2019: €21k
2020: €-36k
2021: €29k
2022: €278k
2023: €-247k
2024: €3k
2018 → 2025
Working capital
€-33k▼ 114%
2024 · €-16k
2018: €110k
2019: €140k
2020: €118k
2021: €141k
2022: €-71k
2023: €731
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€167k-€508k▲ 204%€258k▼ 49.3%€260k▲ 0.9%€264k▲ 1.6%
Operating result€33k-€13k▼ 61.8%€-226k€19k€25k▲ 32.6%
Net result€29k-€278k▲ 858%€-247k€3k€4k▲ 50.4%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €683k
Fixed assets
€380k▼ 3.1%
Current assets
€304k▼ 6.4%
Equity and liabilities €683k
Equity
€264k▲ 1.6%
Debt
€419k▼ 8.1%
The debt ratio falls from 63.7% to 61.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37k▲
2024 · €35k
Cash flow
€16k▼
2024 · €19k
Solvency
38.6%▲
2024 · 36.3%
Current ratio
0.90▼
2024 · 0.95
Quick ratio
0.90▼
2024 · 0.95
Debt / equity
1.59▼
2024 · 1.76
ROE
1.6%▲
2024 · 1.1%
ROA
0.6%▲
2024 · 0.4%
Interest coverage
2.46▲
2024 · 2.46
Debt
€419k▼
2024 · €456k
Debt ≤ 1 year
€337k▼
2024 · €340k
Debt > 1 year
€82k▼
2024 · €116k
Income taxes
€6k▲
2024 · €2k
Staff costs
€109k▼
2024 · €182k
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€716k€683k▼
Fixed assets21/28€392k€380k▼
Intangible fixed assets21€53k€45k▼
Tangible fixed assets22/27€8k€5k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€331k€331k=
Current assets29/58€324k€304k▼
Amounts receivable within one year40/41€248k€235k▼
Trade receivables40€242k€224k▼
Other amounts receivable41€6k€11k▲
Cash at bank and in hand54/58€66k€60k▼
Deferred charges and accrued income490/1€11k€9k▼
Equity and liabilities
Total equity and liabilities10/49€716k€683k▼
Equity10/15€260k€264k▲
Contributions10/11€166k€166k=
Capital10€166k€166k=
Issued capital100€166k€166k=
Reserves13€93k€98k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€92k€96k▲
Profit (loss) carried forward14€511€234▼
Investment grants15€0-
Amounts payable17/49€456k€419k▼
Amounts payable after more than one year17€116k€82k▼
Financial debts170/4€116k€82k▼
Amounts payable within one year42/48€340k€337k▼
Current portion of amounts payable after more than one year42€37k€37k▲
Financial debts43€52k€54k▲
Credit institutions430/8€50k€50k=
Other loans439€2k€4k▲
Trade debts44€178k€189k▲
Suppliers440/4€178k€189k▲
Taxes, remuneration and social security45€41k€27k▼
Taxes450/3€12k€17k▲
Remuneration and social security454/9€30k€10k▼
Other amounts payable47/48€32k€30k▼
Accrued charges and deferred income492/3€5€643▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€182k€109k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€968€2k▲
Non-recurring operating charges66A€4k€606▼
Gross operating margin9900€221k€148k▼
Operating profit (loss)9901€19k€25k▲
Financial income75/76B€556€9▼
Recurring financial income75€556€9▼
Financial charges65/66B€14k€15k▲
Recurring financial charges65€14k€15k▲
Profit (loss) for the period before taxes9903€5k€10k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€5k▲
Profit (loss) brought forward from the previous period14P€202€511▲
Transfer from equity791/2€0-
Transfer to equity691/2€3k€5k▲
To other reserves6921€3k€5k▲
Social balance
Average headcount (FTE)90874.02.3▼
The notes to these accounts (19 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 24 days late
2023
31-12
Financial
Weakest financial yearnet €-247k ▼189%
Net result drops to €-247k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €278k ▲858%
Net result €278k, the highest in the series.
31-12
Financial
Equity above €500kEq €508k ▲204%
2 profitable years in a row build equity to €508k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-12
Financial
Equity above €150kEq €167k ▲27.7%
Equity rises from €131k to €167k.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Equity above €150kEq €166k ▲14.2%
Equity rises from €146k to €166k.
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
18 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, Oudergem · 1 establishment unit since 2012
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.
Jules Cockxstraat 101160 OudergemGround area
6,167 m²
Building footprint
3,214 m²
Volume, LiDAR
60,589 m³
Parcel 21002A0104/00R006, Brussels · tallest building 26.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Jules Cockxstraat 10, 1160 Oudergem
since 20122.232.297.127
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21002A0104/00R006 | Brussels | 6,167 m² | 1 · 3,214 m² | 26.6 m · 6 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.
Similar companies · same sector, comparable size
LICODE
BE 1009.065.462
Amel · Eq €264k
ALIMCO
BE 0467.728.654
Haacht · Eq €263k
SOCOBEL
BE 0430.903.692
Roeselare · Eq €265k
MARECTRA
BE 0449.364.574
Lommel · Eq €265k
INVEST - SERV - IMMO
BE 0443.249.715
Sint-Lambrechts-Woluwe · Eq €263k
Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 5,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-04-2012
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cardon@contigo.immo