Active BE 0731.605.474Private limited company

FINANCE IMMO

Basilieklaan 393 ·1081 Koekelberg, Belgium· 7 yrs active

Sector: Financial service activities, except insurance and pension funding (64190)

Conclusion Checked

FINANCE IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €931k and a net result of €193k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 48% of 5394 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€931k
Net result	€193k
Staff (FTE)	4.3
Better than sector	48%

Financial profile 4 of 5 axes measured · computed by Checked

93 / 100

Strong profile, led by profitability.

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

Health -

Profitability 100

Solvency 95

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2019, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

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.

Checked score

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview6 NBB filings

Annual accounts filed on 31-08-2026 with the NBB · fiscal year 2025 · abbreviated schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~27%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	49.5%	51.9%	better than 48% of 5394 sector peers
Net result	€193k	€53k	better than 75% of 5395 sector peers
Equity	€931k	€623k	better than 60% of 5395 sector peers
Gross operating margin	€514k	€87k	better than 90% of 5391 sector peers
Staff costs	€136k	€74k	higher than 66% of 972 sector peers

Net profit

€193k

+0.7% 21-25

Total assets

€1.88M

-12.0% 21-25

Equity

€931k

-3.8% 21-25

Employees (FTE)

4

+4.9% 21-25

Staff costs

€136k

-13.0% 21-25

Income taxes

€67k

-45.7% 21-25

Dividends

€230k

- 21-25

Debt

€952k

-18.7% 21-25

Debt ≤ 1y

€195k

-29.3% 21-25

Debt > 1y

€750k

-15.3% 21-25

Solvency

49.5%

+9.3% 21-25

ROE

20.7%

+4.7% 21-25

ROA

10.2%

+14.4% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	abbreviated schema	full schema	full schema	micro schema	micro schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€193k	€192k	€279k	€228k	€163k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	€136k	€157k	€113k	€117k	€107k
Income taxes	€67k	€123k	€85k	€73k	€14k
Dividends	€230k	-	-	-	-
Total assets	€1.88M	€2.14M	€1.48M	€1.12M	€936k
Equity	€931k	€969k	€777k	€498k	€269k
Debt	€952k	€1.17M	€701k	€592k	€634k
of which ≤ 1y	€195k	€275k	€247k	€147k	€111k
of which > 1y	€750k	€886k	€450k	€443k	€520k
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	4.3	4.1	3.0	2.8	3.2

Note: these years are not on the same basis. The filed schemas differ (abbreviated schema, full schema, micro schema), so the columns are not directly comparable.

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	49.5%	45.3%	52.6%	44.3%	28.8%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	10.2%	9.0%	18.9%	20.3%	17.4%
ROE	20.7%	19.8%	35.9%	45.9%	60.6%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €1.32M · 70.1% Current assets €563k · 29.9%

Equity & liabilities

Equity €931k · 49.5% Debt €952k · 50.5%

Full annual accounts (25 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€1.88M	€2.14M	€1.48M	€1.12M	€936k
Fixed assets	21/28	€1.32M	€1.62M	€917k	€712k	€551k
Tangible fixed assets	22/27	€1.32M	€1.59M	€917k	€712k	€551k
Financial fixed assets	28	-	€30k	-	-	-
Current assets	29/58	€563k	€515k	€561k	€411k	€386k
Amounts receivable within one year	40/41	€441k	€396k	€492k	€368k	€107k
Cash & bank	54/58	€120k	€112k	€64k	€40k	€275k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€1.88M	€2.14M	€1.48M	€1.12M	€936k
Equity	10/15	€931k	€969k	€777k	€498k	€269k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Reserves	13	€117k	€117k	€117k	€248k	€250k
Accumulated profits (losses)	14	€796k	€833k	€641k	€231k	€574
Provisions & deferred taxes	16	-	-	-	€33k	€33k
Amounts payable	17/49	€952k	€1.17M	€701k	€592k	€634k
Amounts payable after one year	17	€750k	€886k	€450k	€443k	€520k
Amounts payable within one year	42/48	€195k	€275k	€247k	€147k	€111k
Trade debts payable within one year	44	€3k	€18k	€32k	€1k	€9k
Income statement
Gross operating margin	9900	€514k	€681k	€540k	€479k	€410k
Operating result	9901	€293k	€360k	€361k	€316k	€220k
Financial income	75	€267	€665	€142	-	-
Financial charges	65	€33k	€46k	€30k	€15k	€10k
Result before taxes	9903	€260k	€315k	€331k	€301k	€210k
Income taxes	67/77	€67k	€123k	€85k	€73k	€14k
Net result for the period	9904	€193k	€192k	€279k	€228k	€163k
Result to be appropriated	9905	€193k	€192k	€410k	€230k	€30k

Legal Structure

NACE primary	Financial service activities, except insurance and pension funding(64190)
Legal form	Private limited company(610)
Incorporation	26-07-2019
Status	Active
Postal code	1081

Establishment units 1 location

FINANCE IMMO

Basilieklaan 393, 1081 KoekelbergBuying and selling of own real estate

since 20192.294.622.496

Real-estate footprint Source: CBE × cadastre

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21011A0040/00F013	Brussels	985 m²	1 · 713 m²	28.2 m · 7 fl.

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.

Updates 6 events

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 31 days late

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 29 days late

2024

31-08

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 31 days late

2023

31-12

Financial Highest result since 2021net €279k ▲22.2%

Operating result €361k, net result €279k, both a record.

31-12

Financial Equity above €500kEq €777k ▲56.1%

3 profitable years in a row build equity to €777k.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

17-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 78 days late

2021

28-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 28 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 1 acts read

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Financial service activities, except insurance and pension funding64190Other activities auxiliary to financial services, excluding insurance and pension funding66199Other financial services64999Insurance, reinsurance and pension funding, except compulsory social security65122Business and other management consultancy70200Business consulting70220

Names & trade names

Legal nameFR

FINANCE IMMO

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