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Elé-Immo

Active
Private limited company· 2 yrs active
Quai des Ardennes 13 ·4020 Liège, Belgium
KBO/BCE: BE 1002.827.570
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Full dossier in preparation

Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.

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Age2 yrs

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Elé-Immo is 4.9% (elevated). The 2024 annual accounts show negative equity (€-9k) and a net result of €-14k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
4.9% Elevated
0%0,5%1,5%4%10%≥25%
Young company +No NACE activity registered +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 05-08-2025, 5 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.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2024 31-07-2025 05-08-2025 5 d late 2025-00358554

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-14k
Working capital€-278k

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 05-08-2025 with the NBB · fiscal year 2024 · micro
Fiscal year2024
Depositmicro
Revenue-
EBITDA€3k
Net profit€-14k
Cash flow€-6k
Staff costs-
Income taxes-
Dividends-
Total assets€282k
Equity€-9k
Debt€291k
of which ≤ 1y€291k
of which > 1y-
Working capital€-278k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.05
Quick ratio0.05
Working capital ratio-98.5%
Solvency-3.2%
Debt / equity-32.24
Long-term debt ratio-
Interest coverage0.32
Gross margin-
Net margin-
ROA-5.0%
ROE155.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€282k
Fixed assets 21/28€269k
Tangible fixed assets 22/27€269k
Current assets 29/58€13k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€12k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€282k
Equity 10/15€-9k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-14k
Amounts payable 17/49€291k
Amounts payable within one year 42/48€291k
Trade debts payable within one year 44€484
Income statement
Gross operating margin 9900€4k
Operating result 9901€-5k
Financial charges 65€9k
Result before taxes 9903€-14k
Net result for the period 9904€-14k
Result to be appropriated 9905€-14k
Ratios computed by Checked.

Health barometer

FY 2024 · computed
10 / 100 Critical
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
4 companies at this address See who is registered here

Establishment units

1 location
ELE-IMMO
Quai des Ardennes 13, 4020 LiègeOntwikkeling van residentiële bouwprojecten
since 20232.359.346.143
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area212 m²
Buildings1
Building footprint113 m²
Volume (LiDAR)1,667 m³
Tallest building16.7 m · ±5 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62806C0658/00W004 Wallonia 212 m² 1 · 112 m² 16.7 m · 5 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health10Profitability100Solvency33Growth-Stability67
52 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 67

Ask AI about this company

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Company registry

Company registry (CBE)

Crossroads Bank
Names & trade names
Legal nameFR Elé-Immo
Registered office
Quai des Ardennes 13
4020 Liège, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.