Skip to content

ELMA IMMO

Active
Private limited companyfounded 200224 yrs activeRue du Fraignat, Corroy 72, 1325 Chaumont-Gistoux, BelgiumKBO/BCE: BE 0478.300.169
Summary

ELMA IMMO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €659,794 and a net result of -€13,993. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 4663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
ELMA IMMOActiveChecked score 69/100
Risk analysis ReportCompare

Overview

What they do
Real estate agency activities
NACE 68310NACE 68311
#8 company by equity in Chaumont-Gistoux, Real estate sector1 site
How big
€1.2mtotal assets 2025
Equity
€659,794
Loss
-€13,993
Financially healthy?
69 Healthy Checked score 2025
Bankruptcy chance 12 m
0.3%
Who decides
Accounts 43 d early0 of 4 deeds read
Why 69- Higher-failure-rate region- Persistent losses+ Lower-failure-rate sector+ Long track recordLatest accounts filed on timeShow the evidence

Checked score

Score 2025
69 / 100
Healthy
Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability36▲+10
Solvency78▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 1.96 against 2.29 in 2024; short-term debt: 3.5% and cash: 6.4% of total assets), and 47.1% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 24 years 0 30 y
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
18192021232425
2018 to 2025 · latest year -€13,993
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2025 was due by 30-06-2026 and was filed on 18-05-2026, 43 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
43 d early
2024
on the day
2023
3 d early
2021
24 d late
2020
25 d late
2019
31 d late
2018
29 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 9 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-11-2026 and is due by 30-06-2027. Nothing is late today. Usually files around 28 June (3 of the last 3 filed years within 41 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today30-11-2026 close30-06-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Weakest financial yearnet -€32,574

Key points

  • Positive: Company by equity in Chaumont-Gistoux, Real estate sectorin the Checked rankings #8 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€13,993 View
  • Total assets 20256 fiscal years filed €1.2m View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Loss
-€13,993
Solvency
52.9%
Total assets▼ 4.3%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 30-06-2027
  1. 18-05-2026Annual accounts filed
  2. 30-06-2025Annual accounts filed
  3. 30-11-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Real estate agency activitiesNACE 68310
Founded
11-09-2002
Year ends
30-11
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure