EURO IMMO
ActiveEURO IMMO has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.33M and a net result of €404k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+2
Solvency77▼-6
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 2.28 in 2024; short-term debt: 46.6% and cash: 29.7% of total assets), and 47.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.3%
Return on assets
15.9%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
28 d late
2023
20 d late
2022
47 d early
2021
30 d late
2020
31 d late
2019
40 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€404k▲ 27.1%
2024 · €318k
2018: €409k
2019: €103k
2020: €638k
2021: €224k
2022: €361k
2023: €382k
2024: €318k
2018 → 2025
Working capital
€1.19M▲ 5.7%
2024 · €1.12M
2018: €710k
2019: €783k
2020: €888k
2021: €930k
2022: €963k
2023: €1.01M
2024: €1.12M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.02M-€1.15M▲ 12.9%€1.21M▲ 5.4%€1.28M▲ 5.6%€1.33M▲ 4.3%
Operating result€266k-€419k▲ 57.3%€425k▲ 1.4%€360k▼ 15.2%€444k▲ 23.1%
Net result€224k-€361k▲ 61.4%€382k▲ 5.6%€318k▼ 16.6%€404k▲ 27.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.55M
Fixed assets
€175k▼ 19.6%
Current assets
€2.37M▲ 19.0%
Equity and liabilities €2.55M
Equity
€1.33M▲ 4.3%
Debt
€1.21M▲ 30.3%
The debt ratio rises from 42.1% to 47.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€535k▲
2024 · €459k
Cash flow
€496k▲
2024 · €417k
Solvency
52.3%▼
2024 · 57.9%
Current ratio
2.00▼
2024 · 2.28
Quick ratio
2.00▼
2024 · 2.28
Debt / equity
0.91▲
2024 · 0.73
ROE
30.3%▲
2024 · 24.9%
ROA
15.9%▲
2024 · 14.4%
Interest coverage
167.51▲
2024 · 104.17
Debt
€1.21M▲
2024 · €932k
Debt ≤ 1 year
€1.19M▲
2024 · €873k
Debt > 1 year
€10k▼
2024 · €51k
Income taxes
€36k▼
2024 · €38k
Staff costs
€727k▲
2024 · €617k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.21M€2.55M▲
Fixed assets21/28€217k€175k▼
Intangible fixed assets21€9k€194▼
Tangible fixed assets22/27€208k€174k▼
Plant, machinery and equipment23€65k€57k▼
Furniture and vehicles24€143k€117k▼
Current assets29/58€1.99M€2.37M▲
Amounts receivable within one year40/41€1.40M€1.57M▲
Trade receivables40€143k€114k▼
Other amounts receivable41€1.26M€1.46M▲
Cash at bank and in hand54/58€565k€756k▲
Deferred charges and accrued income490/1€29k€46k▲
Equity and liabilities
Total equity and liabilities10/49€2.21M€2.55M▲
Equity10/15€1.28M€1.33M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€99k€99k=
Uncalled capital101€37k€37k=
Reserves13€1.22M€1.27M▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€1.21M€1.26M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€932k€1.21M▲
Amounts payable after more than one year17€51k€10k▼
Financial debts170/4€51k€10k▼
Amounts payable within one year42/48€873k€1.19M▲
Current portion of amounts payable after more than one year42€40k€41k▲
Trade debts44€235k€475k▲
Suppliers440/4€235k€475k▲
Advances received on contracts in progress46€41k€2k▼
Taxes, remuneration and social security45€173k€164k▼
Taxes450/3€78k€34k▼
Remuneration and social security454/9€95k€131k▲
Other amounts payable47/48€384k€507k▲
Accrued charges and deferred income492/3€8k€16k▲
Income statement
Code20242025
Non-recurring operating income76A€8k€7k▼
Remuneration, social security and pensions62€617k€727k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€91k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€7k€18k▲
Non-recurring operating charges66A-€21
Gross operating margin9900€1.08M€1.28M▲
Operating profit (loss)9901€360k€444k▲
Financial income75/76B€73€11▼
Recurring financial income75€73€11▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€356k€440k▲
Income taxes67/77€38k€36k▼
Profit (loss) for the period9904€318k€404k▲
Profit (loss) for the period to be appropriated9905€318k€404k▲
Appropriation of the result
Profit (loss) to be appropriated9906€318k€404k▲
Transfer to equity691/2€68k€54k▼
To other reserves6921€68k€54k▼
Profit to be distributed694/7€250k€350k▲
Directors or managers695€250k€350k▲
Social balance
Average headcount (FTE)90879.210.3▲
The notes to these accounts (16 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 2026, expected by
2026
28-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Permanent representative4 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Permanent representative4 facts ▸
- General meeting, 30/06/2026
- Director reappointment, Stedho-Invest BV (bestuurder)
- Permanent representative, Stefaan Dhondt
- Mandate compensation, Stedho-Invest BV
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Equity above €1MEq €1.02M ▲7.8%
4 profitable years in a row build equity to €1.02M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €638k ▲518%
Operating result €671k, net result €638k, both a record.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 40 days late
2019
31-12
Financial
Weakest financial yearnet €103k ▼74.7%
Net result drops to €103k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Stedho-Invest BV
CurrentDirector · since 01-07-2026 · Legal entity · perm. rep.: Stefaan Dhondt
01-07-2026
Mandate renewed as Director
Location & real-estate footprint
Registered office, Nieuwpoort · 1 establishment unit since 1979
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.
Albert I laan 2348620 NieuwpoortGround area
485 m²
Building footprint
556 m²
Volume, LiDAR
9,279 m³
Parcel 38402D0317/00B000, Flanders · tallest building 29.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Albert I laan 234, 8620 Nieuwpoort
since 19792.016.426.003
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38402D0317/00B000 | Flanders | 485 m² | 1 · 555 m² | 29.8 m · 6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 15,319 EUR awarded · 15,313 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,739 EUR | 3,782 EUR |
| 2024 | 1 | 6,177 EUR | 6,128 EUR |
| 2023 | 1 | 5,088 EUR | 5,088 EUR |
| 2022 | 1 | 315 EUR | 315 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 3,336 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-1979
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.