FIELD
ActiveSummary
FIELD has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €690,891 and a net result of -€51,592. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 74% of 19375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability63▼-2
Solvency88▼-2
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 short (current ratio 0.23 against 0.63 in 2023; short-term debt: 30% and cash: 2.8% of total assets), and 36.7% of the assets are financed with debt.
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Signals
Six 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 dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
63.3%
Return on assets
-4.7%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€51,592
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
36 d early
2022
12 d early
2021
5 d late
2020
9 d early
2019
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 10 days before 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 (1)
History
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Financials · fiscal year 2024, micro schema
In the rankings
#9 oldest company in Mons, Real estate sector
Equity
€690,891▼ 6.9%
2023 · €742,482
Total assets
€1.1m▼ 4.5%
2023 · €1.1m
Net result
-€51,592▼ 32.9%
2023 · -€38,826
Working capital
-€251,758▼ 118%
2023 · -€115,601
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€12,775€175,445▲ 1,273%€142,981▼ 18.5%-€43,032-€59,255▼ 37.7%
Net result€12,839within the sector's middle half€130,165above the sector's middle half▲ 914%€103,119above the sector's middle half▼ 20.8%-€38,826below the sector's middle half-€51,592below the sector's middle half▼ 32.9%
Equity€548,024above the sector's middle half▲ 2.4%€678,189above the sector's middle half▲ 23.8%€781,308above the sector's middle half▲ 15.2%€742,482above the sector's middle half▼ 5.0%€690,891above the sector's middle half▼ 6.9%
Total assets€1.2mabove the sector's middle half▲ 1.6%€1.3mabove the sector's middle half▲ 15.2%€1.2mabove the sector's middle half▼ 12.5%€1.1mabove the sector's middle half▼ 2.9%€1.1mabove the sector's middle half▼ 4.5%
Debt€619,834▲ 1.0%€621,840▲ 0.3%€311,463▼ 49.9%€319,083▲ 2.4%€327,090▲ 2.5%
Working capital-€262,486below the sector's middle half▲ 19.1%-€8,706within the sector's middle half▲ 96.7%€132,729above the sector's middle half-€115,601below the sector's middle half-€251,758below the sector's middle half▼ 118%
Solvency46.9%within the sector's middle half▲ 0.4pp50.4%within the sector's middle half▲ 3.5pp66.4%above the sector's middle half▲ 15.9pp64.9%above the sector's middle half▼ 1.4pp63.3%within the sector's middle half▼ 1.7pp
Current ratio0.58within the sector's middle half▲ 0.110.99within the sector's middle half▲ 0.411.43within the sector's middle half▲ 0.440.63within the sector's middle half▼ 0.800.23below the sector's middle half▼ 0.40
Return on assets (ROA)1.1%within the sector's middle half▲ 5.4pp9.7%above the sector's middle half▲ 8.6pp8.8%above the sector's middle half▼ 0.9pp-3.4%below the sector's middle half▼ 12.2pp-4.7%below the sector's middle half▼ 1.3pp
Staff (FTE)0.7within the sector's middle half▲ 16.7%1▲ 42.9%1.1▲ 10.0%0.8▼ 27.3%1▲ 25.0%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €59,255 in 2024 against €43,032 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.0m ▲ 7.8%
Current assets
€75,331 ▼ 62.4%
Equity and liabilities €1.1m
Equity
€690,891 ▼ 6.9%
Provisions
€74,031 ▼ 9.4%
Debt
€327,090 ▲ 2.5%
Debt's share of the balance-sheet total rises from 27.9% to 30.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13,482▼
2023 · €13,888
Cash flow
€21,146▲
2023 · €18,095
Debt to equity
0.47▲
2023 · 0.43
ROE
-7.5%▼
2023 · -5.2%
Interest coverage
73.91▲
2023 · 53.56
Debt ≤ 1 year
€327,090▲
2023 · €316,142
Income taxes
€22▲
2023 · €12
Staff costs
€31,561▲
2023 · €29,620
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 12,321 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
0.6%
went bankrupt
8.5%
stopped otherwise
90%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 12,321 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €20,043 | €28,101 | €29,620 | €31,561 | ▲ 6.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €35,884 | €36,733 | €38,975 | €56,920 | €72,738 | ▲ 27.8% |
| Other operating charges640/8 | - | €13,584 | €14,466 | €14,769 | €16,504 | ▲ 11.7% |
| Gross operating margin9900 | €83,421 | €245,806 | €224,524 | €58,277 | €61,548 | ▲ 5.6% |
| Operating profit (loss)9901 | €12,775 | €175,445 | €142,981 | -€43,032 | -€59,255 | ▼ 37.7% |
| Financial income75/76B | - | - | €39 | €1,771 | €224 | ▼ 87.4% |
| Recurring financial income75 | €212 | - | €39 | €1,771 | €224 | ▼ 87.4% |
| Financial charges65/66B | - | €448 | €351 | €259 | €182 | ▼ 29.7% |
| Recurring financial charges65 | €153 | €448 | €351 | €259 | €182 | ▼ 29.7% |
| Profit (loss) for the period before taxes9903 | €12,834 | €174,997 | €142,669 | -€41,521 | -€59,214 | ▼ 42.6% |
| Transfer from deferred taxes780 | - | €209 | €573 | €2,707 | €7,645 | ▲ 182% |
| Transfer to deferred taxes680 | - | €45,041 | €40,123 | - | - | - |
| Income taxes67/77 | -€5 | - | - | €12 | €22 | ▲ 91.6% |
| Profit (loss) for the period9904 | €12,839 | €130,165 | €103,119 | -€38,826 | -€51,592 | ▼ 32.9% |
| Transfer from tax-exempt reserves789 | - | €626 | €1,719 | €8,120 | €22,934 | ▲ 182% |
| Transfer to tax-exempt reserves689 | - | €135,122 | €120,369 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €12,839 | -€4,332 | -€15,531 | -€30,706 | -€28,657 | ▲ 6.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.2m | €1.3m | €1.2m | €1.1m | €1.1m | ▼ 4.5% |
| Fixed assets21/28 | €810,510 | €738,908 | €735,772 | €942,700 | €1.0m | ▲ 7.8% |
| Tangible fixed assets22/27 | €810,280 | €738,677 | €735,542 | €942,469 | €1.0m | ▲ 7.8% |
| Land and buildings22 | - | €733,408 | €731,583 | €938,017 | €1.0m | ▲ 8.3% |
| Plant, machinery and equipment23 | - | €3,873 | €2,890 | €1,358 | €820 | ▼ 39.6% |
| Furniture and vehicles24 | - | €1,397 | €1,068 | €490 | €122 | ▼ 75.2% |
| Assets under construction and advance payments27 | - | - | - | €2,604 | - | - |
| Financial fixed assets28 | €230 | €230 | €230 | €230 | €230 | = |
| Current assets29/58 | €357,348 | €605,954 | €441,381 | €200,541 | €75,331 | ▼ 62.4% |
| Amounts receivable within one year40/41 | €64 | €605 | €2,212 | €2,725 | €2,057 | ▼ 24.5% |
| Trade receivables40 | - | €605 | €2,212 | €2,725 | €2,057 | ▼ 24.5% |
| Current investments50/53 | €164,180 | €164,180 | €64,174 | €64,198 | €34,382 | ▼ 46.4% |
| Cash at bank and in hand54/58 | €188,527 | €435,249 | €368,488 | €127,115 | €30,550 | ▼ 76.0% |
| Deferred charges and accrued income490/1 | - | €5,920 | €6,507 | €6,503 | €8,342 | ▲ 28.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.2m | €1.3m | €1.2m | €1.1m | €1.1m | ▼ 4.5% |
| Equity10/15 | €548,024 | €678,189 | €781,308 | €742,482 | €690,891 | ▼ 6.9% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Capital10 | - | €18,600 | - | - | - | - |
| Issued capital100 | - | €18,600 | - | - | - | - |
| Reserves13 | €435,982 | €570,479 | €689,129 | €681,009 | €658,075 | ▼ 3.4% |
| Non-distributable reserves130/1 | - | €151,832 | €151,832 | €151,832 | €151,832 | = |
| Legal reserve130 | - | €151,832 | - | - | - | - |
| Reserves not available under the articles1311 | - | - | €151,832 | €151,832 | €151,832 | = |
| Tax-exempt reserves132 | - | €134,496 | €253,146 | €245,027 | €222,093 | ▼ 9.4% |
| Distributable reserves133 | - | €284,150 | €284,150 | €284,150 | €284,150 | = |
| Profit (loss) carried forward14 | €93,442 | €89,110 | €73,579 | €42,873 | €14,216 | ▼ 66.8% |
| Provisions and deferred taxes16 | - | €44,832 | €84,382 | €81,676 | €74,031 | ▼ 9.4% |
| Deferred taxes168 | - | €44,832 | €84,382 | €81,676 | €74,031 | ▼ 9.4% |
| Amounts payable17/49 | €619,834 | €621,840 | €311,463 | €319,083 | €327,090 | ▲ 2.5% |
| Amounts payable within one year42/48 | €619,834 | €614,660 | €308,652 | €316,142 | €327,090 | ▲ 3.5% |
| Trade debts44 | €15,658 | €8,862 | €5,046 | €9,024 | €19,777 | ▲ 119% |
| Suppliers440/4 | - | €8,862 | €5,046 | €9,024 | €19,777 | ▲ 119% |
| Taxes, remuneration and social security45 | - | €2,461 | €3,483 | €3,704 | €2,638 | ▼ 28.8% |
| Remuneration and social security454/9 | - | €2,461 | €3,483 | €3,704 | €2,638 | ▼ 28.8% |
| Other amounts payable47/48 | - | €603,337 | €300,124 | €303,415 | €304,675 | ▲ 0.4% |
| Accrued charges and deferred income492/3 | - | €7,180 | €2,810 | €2,941 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €12,839 | €130,165 | €103,119 | -€38,826 | -€51,592 | ▼ 32.9% |
| + Depreciation and write-downs630 | €35,884 | €36,733 | €38,975 | €56,920 | €72,738 | ▲ 27.8% |
| Operating cash flow (approximation) | €48,723 | €166,898 | €142,094 | €18,095 | €21,146 | ▲ 16.9% |
| Investment in fixed assets (approximation) | - | €34,869 | -€35,840 | -€263,848 | -€146,718 | ▲ 44.4% |
| Change in cash | - | €246,722 | -€66,761 | -€241,374 | -€96,564 | ▲ 60.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€51,592
Net result drops to -€51,592, the lowest in the series.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
2021
31-12
Financial
Highest result since 2018net €130,165 ▲914%
Operating result €175,445, net result €130,165, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €12,839
Net result €12,839 after 2 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 12 acts read
About the unread acts
We know of 12 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
12 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, Mons · 1 establishment unit since 1983
Ground area
889 m²
Building footprint
636 m²
Volume, LiDAR
2,813 m³
2 parcels, Wallonia · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Beaumont 342, 7022 Mons
since 19832.022.436.043
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53034C0038/00K000 | Wallonia | 675 m² | 1 · 417 m² | 10.3 m · 2 fl. |
| 53034D0048/00C002 | Wallonia | 215 m² | 1 · 219 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,145 companies in sector 68201 we hold annual accounts for 6,776. 5,000 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded03-03-1983
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68204Real estate activities
74130Interior design
E-invoicing
Reachable via Peppol
Peppol ID
0208:0424109536
Registered
12-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.