DAPHNE IMMO GERANCE
ActiveSummary
DAPHNE IMMO GERANCE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-141k) and a net result of €-166k. Equity is shrinking by ~25.6% per year across the filed fiscal years. Its solvency ranks better than 5% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-79
Solvency0▼-38
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.12 against 1.13 in 2024; short-term debt: 742.1% and cash: 11.5% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six 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 2025Solvency, return and age of the figures
Solvency
-642.1%
Return on assets
-755.7%
Age of the figures
9 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
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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-141k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
84 d early
2023
40 d early
2022
33 d early
2021
31 d early
2020
32 d late
2019
47 d late
← 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
24-09-2026 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
€-166k
2024 · €17k
2018: €-7k
2019: €-1k
2020: €-7k
2021: €-35k
2022: €1k
2023: €5k
2024: €17k
2018 → 2025
Working capital
€-144k
2024 · €23k
2018: €8k
2019: €9k
2020: €6k
2021: €-27k
2022: €-9k
2023: €8k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-11k-€3k€8k▲ 208%€25k▲ 211%€-141k
Operating result€-34k-€2k€7k▲ 229%€19k▲ 174%€-164k
Net result€-35k-€1k€5k▲ 304%€17k▲ 213%€-166k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €164k after €19k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22k
Fixed assets
€3k ▼ 50.0%
Current assets
€19k ▼ 90.2%
Key figures and ratios
EBITDA
€-161k▼
2024 · €22k
Cash flow
€-163k▼
2024 · €20k
Solvency
-642.1%▼
2024 · 12.5%
Current ratio
0.12▼
2024 · 1.13
Debt to equity
-1.16▼
2024 · 7.00
ROA
-755.7%▼
2024 · 8.5%
Interest coverage
-54.10▼
2024 · 12.97
Debt
€163k▼
2024 · €175k
Debt ≤ 1 year
€163k▼
2024 · €172k
Staff costs
€67k▼
2024 · €82k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€200k€22k▼
Fixed assets21/28€6k€3k▼
Intangible fixed assets21€6k€3k▼
Current assets29/58€194k€19k▼
Amounts receivable within one year40/41€171k€16k▼
Trade receivables40€171k€16k▼
Other amounts receivable41€0€762▲
Cash at bank and in hand54/58€3k€3k▼
Deferred charges and accrued income490/1€20k-
Equity and liabilities
Total equity and liabilities10/49€200k€22k▼
Equity10/15€25k€-141k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€4k€-163k▼
Amounts payable17/49€175k€163k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€172k€163k▼
Current portion of amounts payable after more than one year42€5k€9k▲
Financial debts43€1k€2k▲
Credit institutions430/8€1k-
Other loans439-€2k
Trade debts44€16k€15k▼
Suppliers440/4€16k€15k▼
Taxes, remuneration and social security45€20k€20k▼
Taxes450/3€3k€7k▲
Remuneration and social security454/9€17k€12k▼
Other amounts payable47/48€129k€118k▼
Income statement
Code20242025
Remuneration, social security and pensions62€82k€67k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€1k€753▼
Gross operating margin9900€105k€-93k▼
Operating profit (loss)9901€19k€-164k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€17k€-166k▼
Profit (loss) for the period9904€17k€-166k▼
Profit (loss) for the period to be appropriated9905€17k€-166k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-163k▼
Profit (loss) brought forward from the previous period14P€-13k€4k▲
The notes to these accounts (4 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
31-12
Financial
Weakest financial yearnet €-166k ▼1080%
Net result drops to €-166k, the lowest in the series.
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €17k ▲213%
Operating result €19k, net result €17k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after 4 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 32 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 143 days late
2017
06-07
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
4 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, Anderlecht · 1 establishment unit since 1992
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.
Charles Parentéstraat 51070 AnderlechtGround area
691 m²
Building footprint
691 m²
Volume, LiDAR
3,966 m³
Parcel 21305C0329/00F007, Brussels · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DAPHNE IMMO GERANCE
since 19922.056.532.632
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21305C0329/00F007 | Brussels | 691 m² | 1 · 691 m² | 9.2 m · 2 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
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GUIHOME IMMOBILIER
BE 0785.546.976
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K2 CONCEPT
BE 0808.899.232
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MASI
BE 1026.292.761
Aalter · Eq €24,960
Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 4,182 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-1992
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.