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ELOY IMMO

Active
Public limited companyfounded 1991active for 35 yearsRue des Spinettes 13, 4140 Sprimont, Belgium26 active companies are registered at this addressKBO/BCE: BE 0444.469.341
Summary

ELOY IMMO has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €925,639 and a net result of -€64,361. Equity is growing by about 5.1% per year across the filed financial years. Its solvency ranks better than 22% of 5,756 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Development of residential building projects
NACE 68121
2nd largest company by total assets in Sprimont, Real estate sector1 site
Size
€833,300turnover 2025
Equity
€925,639
Loss
-€64,361
Financial health
86 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Parent
ELOY CONSTRUCT · 100%
Auditor: HEYNEN, NYSSEN & C°Accounts 28 days early4 of 13 deeds read
Why 86raises riskLiquidity: current ratio 1.12Equity €925,639 (9.0% of total assets)lowers riskSize: turnover €833,300, total assets €10.3mFounded in 1991Show the evidence

Checked score

Score 2025
86 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 39% of its sector peers (NACE 68, medium-sized)
Financial strength · tick = 2024
Weak
Solvency 34+11
equity 9.0% of total assets
Liquidity 1-50
short-term debt 89.5%
Profitability 36+8
return on assets -0.6%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (1,718 companies, NACE 68, medium-sized)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024 02-2025: 0.5%● unchanged vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.2 percentage points vs 06-2025 08-2025: 0.7%● unchanged vs 07-2025 09-2025: 0.7%● unchanged vs 08-2025 10-2025: 0.7%● unchanged vs 09-2025 11-2025: 0.7%● unchanged vs 10-2025 12-2025: 0.7%● unchanged vs 11-2025 01-2026: 0.7%● unchanged vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.7%● unchanged vs 04-2026 06-2026: 0.7%● unchanged vs 05-2026 07-2026: 0.7%● unchanged vs 06-2026highest value 08-2026: 0.2%▼ -0.5 percentage points vs 07-2026lowest value 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity tight (current ratio 1.12, compared with 2.02 in 2024, below the usual 1.5; short-term debt: 89.5% of total assets), and 91% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, medium-sized): better than 28% on solvency, 4% on liquidity, 35% on profitability and 90% on growth.

The bankruptcy probability was computed on 21-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 1.12
NBB · annual accounts
lowers risk · Size: turnover €833,300, total assets €10.3m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1991
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Equity €925,639 (9.0% of total assets)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 5756 sector peers (2025).
NBB · sector comparison
Position among 5756 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 days early
2024
16 days early
2023
29 days early
2022
34 days early
2021
20 days early
2020
17 days early
2019
23 days early
← 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 24 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
21-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Capital & sharesCapital decrease · Demerger ·…
  3. Equity above €500,000equity €925,639

Key points

  • Risk: 4 loss-making years in a rowloss financial year 2025 -€64,361 View
  • Positive: Result rose in 2025from -€405,874 to -€64,361 ▲ 84.1% View
  • Positive: 2nd largest company by total assets in Sprimont, Real estate sectorin the Checked rankings No. 2 View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Controlled by ELOY CONSTRUCTultimately: ELOY GROUP 100% View
  • Branch transferred to ELOY REAL ESTATEcontribution on 30-03-2026 2026 View

By topic

Financials

Financial year
2025
Turnover
€833,300
Loss
-€64,361
Solvency
9.0%
Turnover▲ 13.6%
Net result
20182025
Go to Financials

Board & ownership

Board
3 members
Parent
ELOY CONSTRUCT · 100%
Auditor
HEYNEN, NYSSEN & C°
  • ELOY DavidDirector
  • ELOY OlivierDirector
  • ELOY Pierre-EtienneDirector
Go to Board & ownership

Timeline

Events
42
Since
1993
Next accounts
by 31-07-2027
  1. 17-10-2025Capital & shares · Amendment of the…
  2. 15-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Development of residential building projectsNACE 68121
Founded
24-06-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
50
Annual meeting
Last Saturday of June at 09:00
Purpose
“Toutes opérations généralement quelconques, industrielles, commerciales, financières…” (deed in French)
Go to Articles of association

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