DELFIMMO
ActiveDELFIMMO has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €144k and a net result of €11k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -5 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▼-56
Solvency96▲+6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 1.86 in 2023), and 47.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
29 d late
2021
30 d late
2020
9 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€144k=
2023 · €144k
2019: €37k
2020: €72k
2021: €126k
2022: €144k
2023: €144k
2019 → 2024
Total assets
€276k▼ 9.0%
2023 · €304k
2019: €65k
2020: €146k
2021: €312k
2022: €281k
2023: €304k
2019 → 2024
Net result
€11k▼ 58.6%
2023 · €28k
2019: €26k
2020: €35k
2021: €137k
2022: €26k
2023: €28k
2019 → 2024
Working capital
€96k▼ 2.2%
2023 · €98k
2019: €31k
2020: €50k
2021: €97k
2022: €57k
2023: €98k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€72k-€126k▲ 73.4%€144k▲ 14.6%€144k=€144k=
Operating result€49k-€187k▲ 284%€41k▼ 78.3%€36k▼ 11.9%€21k▼ 41.5%
Net result€35k-€137k▲ 289%€26k▼ 80.8%€28k▲ 4.7%€11k▼ 58.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 42% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €276k
Fixed assets
€93k▲ 1.4%
Current assets
€183k▼ 13.6%
Equity and liabilities €276k
Equity
€144k=
Debt
€132k▼ 17.2%
The debt ratio falls from 52.6% to 47.9%: debt is paid down.
Key figures and ratios
EBITDA
€48k▼
2023 · €65k
Cash flow
€39k▼
2023 · €57k
Solvency
52.1%▲
2023 · 47.4%
Current ratio
2.10▲
2023 · 1.86
Quick ratio
2.10▲
2023 · 1.86
Debt / equity
0.92▼
2023 · 1.11
ROE
7.9%▼
2023 · 19.1%
ROA
4.1%▼
2023 · 9.1%
Interest coverage
17.68▼
2023 · 27.87
Debt
€132k▼
2023 · €160k
Debt ≤ 1 year
€87k▼
2023 · €114k
Debt > 1 year
€45k▼
2023 · €46k
Income taxes
€7k▲
2023 · €6k
Staff costs
€64k▲
2023 · €45k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€304k€276k▼
Fixed assets21/28€92k€93k▲
Tangible fixed assets22/27€92k€93k▲
Furniture and vehicles24€92k€93k▲
Financial fixed assets28€600€600=
Current assets29/58€211k€183k▼
Amounts receivable after more than one year29€50k€50k=
Other amounts receivable291€50k€50k=
Amounts receivable within one year40/41€32k€48k▲
Trade receivables40€29k€47k▲
Other amounts receivable41€3k€282▼
Cash at bank and in hand54/58€129k€85k▼
Deferred charges and accrued income490/1-€442
Equity and liabilities
Total equity and liabilities10/49€304k€276k▼
Equity10/15€144k€144k=
Contributions10/11€19k€19k=
Reserves13€125k€125k=
Distributable reserves133€125k€125k=
Amounts payable17/49€160k€132k▼
Amounts payable after more than one year17€46k€45k▼
Financial debts170/4€46k€45k▼
Amounts payable within one year42/48€114k€87k▼
Current portion of amounts payable after more than one year42€15k€23k▲
Trade debts44€27k€5k▼
Suppliers440/4€27k€5k▼
Taxes, remuneration and social security45€34k€32k▼
Taxes450/3€25k€23k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€38k€27k▼
Income statement
Code20232024
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€45k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€27k▼
Other operating charges640/8€5k€5k▲
Non-recurring operating charges66A-€348
Gross operating margin9900€115k€117k▲
Operating profit (loss)9901€36k€21k▼
Financial income75/76B-€91
Recurring financial income75-€91
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€33k€18k▼
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€28k€11k▼
Profit (loss) for the period to be appropriated9905€28k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€11k▼
Transfer to equity691/2-€15
To other reserves6921-€15
Profit to be distributed694/7€28k€11k▼
Return on contributions (dividend)694€28k€11k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €11k ▼58.6%
Net result drops to €11k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2019net €137k ▲289%
Operating result €187k, net result €137k, both a record.
31-12
Financial
Equity above €100kEq €126k ▲73.4%
3 profitable years in a row build equity to €126k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pont-à-Celles · 1 establishment unit since 2019
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.
Place Communale(PAC) 186230 Pont-à-CellesGround area
78 m²
Building footprint
62 m²
Volume, LiDAR
616 m³
Parcel 52055D0305/00D000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DELFIMMO
since 20192.286.876.849
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52055D0305/00D000 | Wallonia | 78 m² | 1 · 62 m² | 11.0 m · 3 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
ECOBO
BE 0425.143.080
Zwevegem · Eq €144k
Algemene Bouwwerken Malysse Helmut
BE 0687.691.891
Kuurne · Eq €144k
DL Home Projects
BE 0836.449.311
Heusden-Zolder · Eq €144k
Lamare
BE 0447.158.221
Lanaken · Eq €144k
URBAN RENTAL
BE 0872.041.183
Kapellen · Eq €144k
Of 9,635 companies in sector 68121 we hold annual accounts for 7,328. 5,308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68310Real estate agency activities
68311Real estate activities
68122Development of non-residential building projects
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.