Equity
€38,664 from €116,350 in 2017
Equity fell by 67% in 8 years.
HELLO IMMO
Lifetime
17 annual accounts with figures on one time axis, 18 filings since 2008peak €153,452 (2012)
€41,742▲ €45,029
lowest -€52,896 (2020)
-€1,518▲ €11,043
peak €116,350 (2017)
€38,664▼ 3.8%
€72,215▼ 34.8%
peak 3.3 FTE (2012)
-not published
Board1 name since 2021
1 directorANCION Emmanuel
Documentsfilings and deeds
18-07-202613 days before the deadline
2025micro format
Gross margin from -€3,287 to €41,742Loss of €1,518Debts from €110,712 to €72,215Cash from €3,807 to €11,839
Key points
from the 2025 annual accountsChecked score
88
Excellent
Financially stronger than 39% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%highest value
01-2025: 0.3%▼ -0.4 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.4%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%● unchanged vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.2%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Loss of €1,518, the second in a row (financial year 2025)
lowers risk
Size: total assets €110,878
Sector: Real estate activities (NACE 68)
Founded in 2007
Calculation
The band follows from the bankruptcy probability. 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, micro). It does better than 53% of them on solvency, 45% on liquidity, 23% on profitability and 36% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as HELLO IMMO has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HELLO IMMO itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for HELLO IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €3,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.44 (4.71 in 2024), below the usual 1.5. Short-term debt is 34% and cash 10.7% of total assets. 65.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€1,518
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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 days early
2024
20 days early
2023
47 days early
2022
6 days early
2021
27 days early
2020
9 days early
2019
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 15 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 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 11 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0893683170
Company renamed from B.A.I. to HELLO IMMO
Registered office moved to Blegny · New registered office: rue Thier du Ry 33, 4671 Blegny · Reappointment: ANCION Emmanuel (director) · General meeting of 16-12-2022 · Gazette deed
Demerger: B.A.I. splits off to IMMOBILIERE DU RY
Capital increase of €13,053.88 · Emmanuel ANCION is a shareholder · General meeting of 27-12-2018 · Gazette deed
Demerger proposal: B.A.I. splits off to IMMOBILIERE DU RY
Capital increase of €13,282.56 · Net-asset statement: €81,657.14 · Emmanuel ANCION holds 200 shares (100%) · Board meeting of 12-11-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HELLO IMMO Blegny | €110,878 | €41,742 | 34.9% | - |
| agence IANNIELLO IMMO Mons | €119,236 | €41,807 | 57.8% | - |
| IMMO SCHROEVEN Bierbeek | €111,695 | €37,919 | 70.3% | - |
| IMMO 2A Etterbeek | €100,630 | €41,568 | 38.6% | - |
| ACTIVA Duffel | €102,287 | €46,019 | 78.1% | - |
| MODALYMMO Wavre | €96,385 | €40,473 | 59.2% | - |
| C.A.L. CONSULT Marche-en-Famenne | €108,188 | €45,457 | -53.1% | - |
These companies have the same main activity as HELLO IMMO: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €96,400 and €119,000, founded between 2005 and 2008.
Official details
Source: KBO- Status
- Active since 23-11-2007Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2025
- Establishment unit
- 2.204.408.7364621 Fléron, since 23-11-2007
- Financial year end
- 31 December
- Peppol
- Reachable since 08-12-2025
Annual accounts 2025
- ≈ €91,000estimated
- €110,878▼ 26.5%
- Filing
- Filed on 18-07-2026, 13 days before the end of the filing period
Insights on HELLO IMMO
HELLO IMMO files the micro format. That format states no turnover. The gross margin fell from €86,735 in 2008 to €41,742 in 2025.
The balance sheet grew most from 2009 to 2011 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HELLO IMMO
- What is the company number of HELLO IMMO?
- The company number of HELLO IMMO is 0893.683.170. The VAT number is the same number with BE in front: BE 0893.683.170.
- Where is HELLO IMMO based?
- The registered office is at Rue Thier du Ry 33, 4671 Blegny.Company details
- What does HELLO IMMO do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of HELLO IMMO?
- HELLO IMMO is a private limited company (BV).
- When was HELLO IMMO founded?
- HELLO IMMO was founded on 23-11-2007.
- Is HELLO IMMO still active?
- Yes, HELLO IMMO is an active enterprise in the KBO register.
- How many employees does HELLO IMMO have?
- HELLO IMMO had an average of 1.1 full-time equivalents in financial year 2022, according to the filed annual accounts.Financials
- Which joint committee does HELLO IMMO fall under?
- In its 2025 annual accounts, HELLO IMMO states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of HELLO IMMO?
- The turnover in financial year 2025 is ≈ €91,000. This figure is estimated from the gross margin of €41,742 and 32 comparable companies (NACE 683). It probably lies between €62,000 and €160,000.
- Is HELLO IMMO profitable?
- In financial year 2025, HELLO IMMO made a loss of €1,518.
- Where can I find the annual accounts of HELLO IMMO?
- HELLO IMMO filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HELLO IMMO due?
- HELLO IMMO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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