CREIMMO
ActiveSummary
CREIMMO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €585k and a net result of €43k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 59.12 against 12.87 in 2024; short-term debt: 0.7% and cash: 36.9% of total assets), and 3.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
96.4%
Return on assets
7.1%
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
16 d early
2023
44 d early
2022
29 d late
2021
18 d late
2020
26 d early
2019
3 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€43k▼ 14.9%
2024 · €51k
2018: €12klowest in 8 years
2019: €18k▲ +45.0% vs 2018
2020: €16k▼ -12.5% vs 2019
2021: €48k▲ +205% vs 2020
2022: €50k▲ +3.7% vs 2021
2023: €50k▲ +0.3% vs 2022
2024: €51k▲ +2.3% vs 2023highest in 8 years
2025: €43k▼ -14.9% vs 2024
2018 → 2025
Working capital
€239k▼ 9.1%
2024 · €262k
2018: €53klowest in 8 years
2019: €89k▲ +68.5% vs 2018
2020: €125k▲ +41.1% vs 2019
2021: €159k▲ +26.8% vs 2020
2022: €191k▲ +20.3% vs 2021
2023: €228k▲ +19.4% vs 2022
2024: €262k▲ +15.1% vs 2023highest in 8 years
2025: €239k▼ -9.1% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€392k-€442k▲ 12.6%€491k▲ 11.2%€542k▲ 10.3%€585k▲ 8.0%
2021: €392klowest in 5 years
2022: €442k▲ +12.6% vs 2021
2023: €491k▲ +11.2% vs 2022
2024: €542k▲ +10.3% vs 2023
2025: €585k▲ +8.0% vs 2024highest in 5 years
Operating result€67k-€69k▲ 3.0%€69k▼ 0.7%€69k▲ 0.7%€59k▼ 15.0%
2021: €67k
2022: €69k▲ +3.0% vs 2021highest in 5 years
2023: €69k▼ -0.7% vs 2022
2024: €69k▲ +0.7% vs 2023
2025: €59k▼ -15.0% vs 2024lowest in 5 years
Net result€48k-€50k▲ 3.7%€50k▲ 0.3%€51k▲ 2.3%€43k▼ 14.9%
2021: €48k
2022: €50k▲ +3.7% vs 2021
2023: €50k▲ +0.3% vs 2022
2024: €51k▲ +2.3% vs 2023highest in 5 years
2025: €43k▼ -14.9% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €607k
Fixed assets
€364k ▲ 20.1%
Current assets
€243k ▼ 14.7%
Equity and liabilities €607k
Equity
€585k ▲ 8.0%
Debt
€22k ▼ 52.7%
Debt's share of the balance-sheet total falls from 7.8% to 3.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€88k▼
2024 · €89k
Cash flow
€72k▲
2024 · €71k
Current ratio
59.12▲
2024 · 12.87
Debt to equity
0.04▼
2024 · 0.08
ROE
7.4%▼
2024 · 9.4%
ROA
7.1%▼
2024 · 8.6%
Interest coverage
64.57▲
2024 · 55.01
Debt ≤ 1 year
€4k▼
2024 · €22k
Income taxes
€14k▼
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€588k€607k▲
Fixed assets21/28€303k€364k▲
Tangible fixed assets22/27€295k€352k▲
Land and buildings22€295k€342k▲
Assets under construction and advance payments27-€10k
Financial fixed assets28€8k€12k▲
Current assets29/58€285k€243k▼
Amounts receivable after more than one year29€20k€18k▼
Other amounts receivable291€20k€18k▼
Amounts receivable within one year40/41€67€595▲
Other amounts receivable41€67€595▲
Cash at bank and in hand54/58€265k€224k▼
Deferred charges and accrued income490/1-€547
Equity and liabilities
Total equity and liabilities10/49€588k€607k▲
Equity10/15€542k€585k▲
Contributions10/11€205k€205k=
Reserves13€20k€381k▲
Non-distributable reserves130/1€20k-
Reserves not available under the articles1311€20k-
Distributable reserves133-€381k
Profit (loss) carried forward14€317k-
Amounts payable17/49€46k€22k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€22k€4k▼
Current portion of amounts payable after more than one year42€22k€4k▼
Trade debts44-€547
Suppliers440/4-€547
Accrued charges and deferred income492/3€20k€18k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€29k▲
Gross operating margin9900€89k€88k▼
Operating profit (loss)9901€69k€59k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€68k€58k▼
Income taxes67/77€17k€14k▼
Profit (loss) for the period9904€51k€43k▼
Profit (loss) for the period to be appropriated9905€51k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€317k€360k▲
Profit (loss) brought forward from the previous period14P€266k€317k▲
Transfer to equity691/2-€360k
To other reserves6921-€360k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21k | €20k | €20k | €20k | €29k | ▲ 45.1% |
| Other operating charges640/8 | €348 | €348 | €384 | - | - | - |
| Gross operating margin9900 | €89k | €89k | €89k | €89k | €88k | ▼ 1.5% |
| Operating profit (loss)9901 | €67k | €69k | €69k | €69k | €59k | ▼ 15.0% |
| Financial charges65/66B | €4k | €3k | €2k | €2k | €1k | ▼ 16.1% |
| Recurring financial charges65 | €4k | €3k | €2k | €2k | €1k | ▼ 16.1% |
| Profit (loss) for the period before taxes9903 | €64k | €66k | €67k | €68k | €58k | ▼ 14.9% |
| Income taxes67/77 | €16k | €17k | €17k | €17k | €14k | ▼ 14.9% |
| Profit (loss) for the period9904 | €48k | €50k | €50k | €51k | €43k | ▼ 14.9% |
| Profit (loss) for the period to be appropriated9905 | €48k | €50k | €50k | €51k | €43k | ▼ 14.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €532k | €546k | €564k | €588k | €607k | ▲ 3.3% |
| Fixed assets21/28 | €349k | €331k | €311k | €303k | €364k | ▲ 20.1% |
| Tangible fixed assets22/27 | €342k | €323k | €303k | €295k | €352k | ▲ 19.6% |
| Land and buildings22 | €342k | €323k | €303k | €295k | €342k | ▲ 16.1% |
| Assets under construction and advance payments27 | - | - | - | - | €10k | - |
| Financial fixed assets28 | €6k | €8k | €8k | €8k | €12k | ▲ 38.0% |
| Current assets29/58 | €183k | €215k | €253k | €285k | €243k | ▼ 14.7% |
| Amounts receivable after more than one year29 | €28k | €25k | €23k | €20k | €18k | ▼ 12.5% |
| Other amounts receivable291 | €28k | €25k | €23k | €20k | €18k | ▼ 12.5% |
| Amounts receivable within one year40/41 | €9 | €1k | €196 | €67 | €595 | ▲ 787% |
| Other amounts receivable41 | €9 | €1k | €196 | €67 | €595 | ▲ 787% |
| Cash at bank and in hand54/58 | €153k | €189k | €228k | €265k | €224k | ▼ 15.3% |
| Deferred charges and accrued income490/1 | €3k | - | €3k | - | €547 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €532k | €546k | €564k | €588k | €607k | ▲ 3.3% |
| Equity10/15 | €392k | €442k | €491k | €542k | €585k | ▲ 8.0% |
| Contributions10/11 | €205k | €205k | €205k | €205k | €205k | = |
| Reserves13 | €20k | €20k | €20k | €20k | €381k | ▲ 1,760% |
| Non-distributable reserves130/1 | €20k | €20k | €20k | €20k | - | - |
| Reserves not available under the articles1311 | €20k | €20k | €20k | €20k | - | - |
| Distributable reserves133 | - | - | - | - | €381k | - |
| Profit (loss) carried forward14 | €167k | €217k | €266k | €317k | - | - |
| Amounts payable17/49 | €140k | €104k | €73k | €46k | €22k | ▼ 52.7% |
| Amounts payable after more than one year17 | €88k | €53k | €26k | €4k | - | - |
| Financial debts170/4 | €73k | €49k | €26k | €4k | - | - |
| Other amounts payable178/9 | €15k | €4k | - | - | - | - |
| Amounts payable within one year42/48 | €25k | €24k | €25k | €22k | €4k | ▼ 81.4% |
| Current portion of amounts payable after more than one year42 | €24k | €24k | €24k | €22k | €4k | ▼ 83.9% |
| Trade debts44 | - | - | €905 | - | €547 | - |
| Suppliers440/4 | - | - | €905 | - | €547 | - |
| Taxes, remuneration and social security45 | €909 | - | €32 | - | - | - |
| Taxes450/3 | €909 | - | €32 | - | - | - |
| Accrued charges and deferred income492/3 | €28k | €27k | €23k | €20k | €18k | ▼ 12.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48k | €50k | €50k | €51k | €43k | ▼ 14.9% |
| + Depreciation and write-downs630 | €21k | €20k | €20k | €20k | €29k | ▲ 45.1% |
| Operating cash flow (approximation) | €69k | €69k | €69k | €71k | €72k | ▲ 2.0% |
| Investment in fixed assets (approximation) | - | €-2k | €242 | €-12k | €-90k | ▼ 667% |
| Change in cash | - | €35k | €39k | €37k | €-40k | ▼ 209% |
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
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 5current ratio 59.12
Current ratio from 12.87 to 59.12; short-term debt falls from €22k to €4k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €51k ▲2.3%
Net result €51k, the highest in the series.
31-12
Financial
Equity above €500kEq €542k ▲10.3%
7 profitable years in a row build equity to €542k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Mons · 1 establishment unit since 2011
Ground area
236 m²
Building footprint
76 m²
Volume, LiDAR
776 m³
Parcel 53053H0807/00B000, Wallonia · tallest building 11.9 m, ±3 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
1 establishment unit
creimmo
since 20112.207.082.867
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053H0807/00B000 | Wallonia | 236 m² | 1 · 76 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 11,748 companies in sector 68310 we hold annual accounts for 6,905. 4,413 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.