E.S.C.-IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €798k and a net result of €-17k. Equity is growing by ~31.5% per year across the filed fiscal years. Its solvency ranks better than 73% of 103 sector peers (fiscal year 2026). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 14-07-2026, 109 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2026
109 d early
2025
101 d early
2024
129 d early
2023
28 d early
2022
159 d early
2021
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€798k▼ 2.1%
2025 · €815k
2022: €311k
2023: €312k
2024: €300k
2025: €815k
2022 → 2026
Net result
€-17k
2025 · €515k
2022: €-146k
2023: €993
2024: €-13k
2025: €515k
2022 → 2026
Total assets
€988k▼ 3.9%
2025 · €1.03M
2022: €503k
2023: €463k
2024: €418k
2025: €1.03M
2022 → 2026
Solvency
80.7%▲ 1.5pp
2025 · 79.2%
2022: 61.9%
2023: 67.5%
2024: 71.7%
2025: 79.2%
2022 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€311k-€312k▲ 0.3%€300k▼ 4.0%€815k▲ 172%€798k▼ 2.1%
Operating result€-141k-€7k€-5k€701k€-28k
Net result€-146k-€993€-13k€515k€-17k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2026: a loss of €28k after €701k in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €988k
Fixed assets
€287k▼ 4.2%
Current assets
€701k▼ 3.9%
Equity and liabilities €988k
Equity
€798k▼ 2.1%
Provisions
€184k=
Debt
€6k▼ 78.5%
The debt ratio falls from 2.9% to 0.7%. Equity and debt are lower.
Key figures and ratios
Solvency
80.7%▲
2025 · 79.2%
ROE
-2.1%▼
2025 · 63.2%
ROA
-1.7%▼
2025 · 50.1%
Debt
€6k▼
2025 · €30k
Debt ≤ 1 year
€6k▼
2025 · €25k
A ratio outside any meaningful range has been withheld (balance sheet total €988k, equity €798k).
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.03M€988k▼
Fixed assets21/28€299k€287k▼
Tangible fixed assets22/27€299k€287k▼
Land and buildings22€299k€287k▼
Current assets29/58€729k€701k▼
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€3k€1k▼
Other amounts receivable41€906€8k▲
Current investments50/53€675k€650k▼
Cash at bank and in hand54/58€49k€41k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.03M€988k▼
Equity10/15€815k€798k▼
Contributions10/11€4k€4k=
Reserves13€810k€794k▼
Tax-exempt reserves132€564k€564k=
Distributable reserves133€245k€230k▼
Profit (loss) carried forward14€1k€0▼
Provisions and deferred taxes16€184k€184k=
Deferred taxes168€184k€184k=
Amounts payable17/49€30k€6k▼
Amounts payable within one year42/48€25k€6k▼
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€53€276▲
Taxes450/3€53€276▲
Other amounts payable47/48€20k€0▼
Accrued charges and deferred income492/3€5k€912▼
Income statement
Code20252026
Non-recurring operating income76A€767k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€5k€2k▼
Gross operating margin9900€718k€-14k▼
Operating profit (loss)9901€701k€-28k▼
Financial income75/76B€3k€13k▲
Recurring financial income75€3k€13k▲
Financial charges65/66B€5k€1k▼
Recurring financial charges65€5k€1k▼
Profit (loss) for the period before taxes9903€699k€-17k▼
Transfer to deferred taxes680€184k€0▼
Income taxes67/77€0-
Profit (loss) for the period9904€515k€-17k▼
Transfer from tax-exempt reserves789€35k€0▼
Transfer to tax-exempt reserves689€552k€0▼
Profit (loss) for the period to be appropriated9905€-2k€-17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-16k▼
Profit (loss) brought forward from the previous period14P€3k€1k▼
Transfer from equity791/2-€16k
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 2027, expected by
2026
14-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 126.84
Current ratio from 29.70 to 126.84; short-term debt falls from €25k to €6k.
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €515k
Net result €515k after one loss-making year.
31-03
Financial
Liquidity times 145current ratio 29.70
Current ratio from 0.20 to 29.70; short-term debt falls from €111k to €25k.
31-03
Financial
Equity above €500kEq €815k ▲172%
Equity rises from €300k to €815k.
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €993
Net result €993 after one loss-making year.
2022
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nazareth-De Pinte · 1 establishment unit since 2020
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.
Den Beer 119840 Nazareth-De PinteGround area
965 m²
Building footprint
208 m²
Volume, LiDAR
1,338 m³
Parcel 44079B0204/00H000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
E.S.C.-IMMO
since 20202.308.364.329
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44079B0204/00H000 | Flanders | 965 m² | 1 · 208 m² | 7.9 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.
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TIMMERMAN
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JTH
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,158 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2020
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.