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GRB IMMO

Active
Private limited companyfounded 20233 yrs activeRue Croix Michel 18, 4052 Chaudfontaine, BelgiumKBO/BCE: BE 0803.427.937
Summary

The computed 12-month bankruptcy probability of GRB IMMO is 3.1% (moderate). The 2025 annual accounts show equity of €30,039 and a net result of €7,684. Equity is growing by ~54% per year across the filed fiscal years. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability54▲+4
Solvency37▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.25 against 0.18 in 2024; short-term debt: 26.9% and cash: 5% of total assets), and 87.6% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 3 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
12.4%
Return on assets
3.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filings
Deviation from the deadline
2025
11 d late
2024
12 d late
2023
28 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 3 accounts on average 17 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)
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 months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 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

History

GRB IMMO was incorporated on 30 June 2023 as a Private limited company.1 Total assets went from EUR 255,518 in 2023 to EUR 241,705 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€30,039▲ 34.4%
2024 · €22,355
Total assets
€241,705▼ 2.9%
2024 · €248,970
Net result
€7,684▲ 19.2%
2024 · €6,444
Working capital
-€48,933▲ 15.6%
2024 · -€58,011
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€1,911-€14,449€17,135▲ 18.6%
Net result-€4,089-€6,444€7,684▲ 19.2%
Equity€5,911-€22,355▲ 278%€30,039▲ 34.4%
Total assets€255,518-€248,970▼ 2.6%€241,705▼ 2.9%
Debt€249,607-€226,615▼ 9.2%€211,666▼ 6.6%
Working capital-€75,628--€58,011▲ 23.3%-€48,933▲ 15.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€10,000€0€10,000€20,000Operating result 2023: -€1,911-€1,911Net result 2023: -€4,089-€4,089Operating result 2024: €14,449€14,449Net result 2024: €6,444€6,444Operating result 2025: €17,135€17,135Net result 2025: €7,684€7,684202320242025-€10,000€0€10,000€20,000Operating result 2023: -€1,911-€1,910Net result 2023: -€4,089-€4,090Operating result 2024: €14,449€14,400Net result 2024: €6,444€6,440Operating result 2025: €17,135€17,100Net result 2025: €7,684€7,680202320242025
The operating result has risen two years in a row; 2025 is 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,705
Fixed assets €225,602 ▼ 4.6%
Current assets €16,103 ▲ 28.7%
Equity and liabilities €241,705
Equity €30,039 ▲ 34.4%
Debt €211,666 ▼ 6.6%
Debt's share of the balance-sheet total falls from 91.0% to 87.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€27,995▲
2024 · €25,308
Cash flow
€18,544▲
2024 · €17,304
Current ratio
0.25▲
2024 · 0.18
Debt to equity
7.05▼
2024 · 10.14
ROE
25.6%▼
2024 · 28.8%
ROA
3.2%▲
2024 · 2.6%
Interest coverage
3.72▲
2024 · 3.41
Debt ≤ 1 year
€65,035▼
2024 · €70,520
Debt > 1 year
€146,631▼
2024 · €156,096
Income taxes
€1,921▲
2024 · €589
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,541 companies that looked in July 2024 the way this one looks now, 3.3% went bankrupt within 24 months and 95% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit under 5% of the balance sheet
3.3% went bankrupt
1.1% stopped otherwise
95% still going

A further 0.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.1% 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%.

The companies in ten equal groups, from lowest to highest expected share.
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 2,541 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet Code20242025
Assets
Total assets20/58€248,970€241,705▼
Fixed assets21/28€236,462€225,602▼
Tangible fixed assets22/27€236,462€225,602▼
Land and buildings22€236,462€225,602▼
Current assets29/58€12,508€16,103▲
Amounts receivable within one year40/41€3,819€3,938▲
Trade receivables40€3,819€3,938▲
Cash at bank and in hand54/58€8,690€12,165▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€248,970€241,705▼
Equity10/15€22,355€30,039▲
Contributions10/11€20,000€20,000=
Profit (loss) carried forward14€2,355€10,039▲
Amounts payable17/49€226,615€211,666▼
Amounts payable after more than one year17€156,096€146,631▼
Financial debts170/4€156,096€146,631▼
Amounts payable within one year42/48€70,520€65,035▼
Current portion of amounts payable after more than one year42€9,078€9,465▲
Trade debts44€224€231▲
Suppliers440/4€224€231▲
Taxes, remuneration and social security45€589€2,510▲
Taxes450/3€589€2,510▲
Other amounts payable47/48€60,629€52,829▼
Accrued charges and deferred income492/3€0-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10,860€10,860=
Other operating charges640/8€4,206€4,338▲
Gross operating margin9900€29,514€32,332▲
Operating profit (loss)9901€14,449€17,135▲
Financial charges65/66B€7,416€7,530▲
Recurring financial charges65€7,416€7,530▲
Profit (loss) for the period before taxes9903€7,033€9,605▲
Income taxes67/77€589€1,921▲
Profit (loss) for the period9904€6,444€7,684▲
Profit (loss) for the period to be appropriated9905€6,444€7,684▲
Appropriation of the result
Profit (loss) to be appropriated9906€2,355€10,039▲
Profit (loss) brought forward from the previous period14P-€4,089€2,355▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,200€10,860€10,860=
Other operating charges640/8€384€4,206€4,338▲ 3.1%
Gross operating margin9900€6,673€29,514€32,332▲ 9.5%
Operating profit (loss)9901-€1,911€14,449€17,135▲ 18.6%
Financial charges65/66B€2,178€7,416€7,530▲ 1.5%
Recurring financial charges65€2,178€7,416€7,530▲ 1.5%
Profit (loss) for the period before taxes9903-€4,089€7,033€9,605▲ 36.6%
Income taxes67/77-€589€1,921▲ 226%
Profit (loss) for the period9904-€4,089€6,444€7,684▲ 19.2%
Profit (loss) for the period to be appropriated9905-€4,089€6,444€7,684▲ 19.2%
Line202320242025Change
Assets
Total assets20/58€255,518€248,970€241,705▼ 2.9%
Fixed assets21/28€247,322€236,462€225,602▼ 4.6%
Tangible fixed assets22/27€247,322€236,462€225,602▼ 4.6%
Land and buildings22€247,322€236,462€225,602▼ 4.6%
Current assets29/58€8,196€12,508€16,103▲ 28.7%
Amounts receivable within one year40/41-€3,819€3,938▲ 3.1%
Trade receivables40-€3,819€3,938▲ 3.1%
Cash at bank and in hand54/58€696€8,690€12,165▲ 40.0%
Deferred charges and accrued income490/1€7,500€0--
Equity and liabilities
Total equity and liabilities10/49€255,518€248,970€241,705▼ 2.9%
Equity10/15€5,911€22,355€30,039▲ 34.4%
Contributions10/11€10,000€20,000€20,000=
Profit (loss) carried forward14-€4,089€2,355€10,039▲ 326%
Amounts payable17/49€249,607€226,615€211,666▼ 6.6%
Amounts payable after more than one year17€165,174€156,096€146,631▼ 6.1%
Financial debts170/4€165,174€156,096€146,631▼ 6.1%
Amounts payable within one year42/48€83,824€70,520€65,035▼ 7.8%
Current portion of amounts payable after more than one year42€9,415€9,078€9,465▲ 4.3%
Trade debts44€909€224€231▲ 3.2%
Suppliers440/4€909€224€231▲ 3.2%
Taxes, remuneration and social security45-€589€2,510▲ 326%
Taxes450/3-€589€2,510▲ 326%
Other amounts payable47/48€73,500€60,629€52,829▼ 12.9%
Accrued charges and deferred income492/3€609€0--
Line202320242025Change
Profit (loss) for the period9904-€4,089€6,444€7,684▲ 19.2%
+ Depreciation and write-downs630€8,200€10,860€10,860=
Operating cash flow (approximation)€4,110€17,304€18,544▲ 7.2%
Investment in fixed assets (approximation)-€0€0-
Change in cash-€7,993€3,475▼ 56.5%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
07-09
State Gazette act Capital & shares · Restructuring
Appointment: 3R, Leboutte & Co (statutory auditor) · Merger · Declaration29 facts ▸
  • General meeting, assemblée générale extraordinaire, unanimité
  • Merger, scission partielle, article 12:8, 1° du CSA
  • Declaration, dispense de lecture du projet de scission partielle
  • Declaration, mise à disposition des documents visés à l'article 12:64 §1 et 2 du CSA, un mois au moins avant la tenue de la présente assemblée
  • Declaration, adoption de la première résolution à l'unanimité
  • Declaration, renonciation au rapport écrit à établir par un expert-comptable certifié sur le projet de scission, article 12:62 §1, dernier alinéa du CSA
  • Declaration, renonciation à l'application des articles 12:61 et 12:64 du CSA, vote exprès à l'assemblée générale appelée à se prononcer sur la participation à la scission
  • Other statement, rapport spécial de l'organe d'administration, apport en nature avec émission d'actions nouvelles
  • Auditor report, 29-07-2026
  • Declaration, renvoi express aux rapports de l'organe d'administration et du réviseur d'entreprises
  • Declaration, dispense de lecture des rapports, unanimité
  • Auditor report, examiner les aspects décrits dans le projet de rapport spécial de l'organe d'administration, aucune constatation significative
  • +17 further facts in this act
11-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
24-06
State Gazette act Restructuring
Demerger · Accounting effect · Real estate8 facts ▸
  • Board meeting, 06-06-2026
  • Demerger, scission partielle par absorption, 01-01-2026
  • Accounting effect, 01-01-2026
  • Real estate, Immeuble (maison) sis Rue Bonne-Nouvelle 80, cadastré LIEGE - 10ème DIVISION - section B 0307FP0000 superficie de 135 ca, RC 917; Immeuble (parkin) sis Rue Bonn…
  • Share issue, 3240, contrepartie de la scission partielle
  • Liability transfer, 476,40 EUR, 58.597,01 EUR
  • Exchange ratio, 30,04 EUR, 30.039,05 EUR / 1.000 actions
  • Accounting conversion, Apport disponible hors capital, Réserves disponibles
2025
31-12
Financial Highest result since 2023net €7,684 ▲19.2%
Operating result €17,135, net result €7,684, both a record.
12-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial Back to profitnet €6,444
Net result €6,444 after one loss-making year.
28-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 2 have been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors

Statutory auditor 1

3R, LEBOUTTE & Co
Auditor · since 07-09-2026
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Chaudfontaine · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
2,769 m²
Building footprint
104 m²
Volume, LiDAR
662 m³
Parcel 62012F0121/00L009, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
GRB IMMO
Rue Croix Michel 18, 4052 ChaudfontaineRenting and operating of own or leased residential real estate, excluding social housing
since 20232.347.754.148
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
62012F0121/00L009 Wallonia 2,769 m² 1 · 104 m² 7.2 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

1 person since 2026, 1 in office
Show
  • Statutory auditor
Mandates per person, with start and end dates
Name Functions and periods
3R, LEBOUTTE & Co
  • Auditor, from 07-09-2026 to date
See the board, name and seat on a given date →

Articles of association

Other statement
Responsabilité de l'organe d'administration relative à l'émission d'actions
1 more provision on this in the deed
Auditor report
One provision in the deed

Structure & network

Connections & network

No current directors or connected companies found in the register.

Acquisitions and mergers

1 transaction
BE 0412.586.926partial demerger · proposal · State Gazette act of 07-09-2026 (4 acts) · effective 01-01-2026

Capital and shareholders

Shareholders according to the acts

The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.

Capital over the years
  1. 07-09-2026 Capital stated in the act · 127,377.34 EUR · 3,240 shares

Identification & contact

Identification
Legal formPrivate limited company
Founded30-06-2023
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.