IMELIA

Active

Private limited companyfounded 20206 yrs activeAvenue Florida 83, 1410 Waterloo, BelgiumKBO/BCE: BE 0745.506.663

IMELIA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €177k and a net result of €66k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 68% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2024

76 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability94▼-6

Solvency80▲+14

Growth78=

Track record100

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €13k at 30 days acceptable

Liquidity ample (current ratio 8.73 against 1.77 in 2023; short-term debt: 4.4% and cash: 2.3% of total assets), and 45.3% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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

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 →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 20-06-2025, 41 days ahead of the deadline.

NBB · 4 filings

Deviation from the deadline

2025

not confirmed

2024

41 d early

2023

30 d late

2022

34 d early

2021

29 d late

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€177k▼ 49.0%

2023 · €347k

2021: €594 2022: €-2k 2023: €347k

2021 → 2024

Total assets

€323k▼ 62.0%

2023 · €850k

2021: €613k 2022: €719k 2023: €850k

2021 → 2024

Net result

€66k▼ 81.1%

2023 · €349k

2021: €-19k 2022: €-2k 2023: €349k

2021 → 2024

Working capital

€110k▼ 59.9%

2023 · €275k

2021: €-24k 2022: €-80k 2023: €275k

2021 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2021202220232024Trend

Equity€594-€-2k€347k€177k▼ 49.0%

Operating result€-10k-€7k€455k▲ 6,207%€80k▼ 82.4%

Net result€-19k-€-2k▲ 88.2%€349k€66k▼ 81.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 82% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €323k

61.5%

38.5%

Fixed assets €199k▼ 8.3%

Current assets €124k▼ 80.3%

Equity and liabilities €323k

54.7%

45.3%

Equity €177k▼ 49.0%

Debt €146k▼ 70.9%

The debt ratio falls from 59.2% to 45.3%. Equity and debt are lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€98k▼

2023 · €474k

Cash flow

€84k▼

2023 · €368k

Solvency

54.7%▲

2023 · 40.8%

Current ratio

8.73▲

2023 · 1.77

Quick ratio

8.73▲

2023 · 1.77

Debt / equity

0.83▼

2023 · 1.45

ROE

37.3%▼

2023 · 100.5%

ROA

20.4%▼

2023 · 41.0%

Interest coverage

31.16▼

2023 · 139.88

Debt

€146k▼

2023 · €503k

Debt ≤ 1 year

€14k▼

2023 · €358k

Debt > 1 year

€131k▼

2023 · €144k

Income taxes

€17k▼

2023 · €103k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€850k€323k▼

Fixed assets21/28€217k€199k▼

Tangible fixed assets22/27€217k€199k▼

Land and buildings22€181k€175k▼

Furniture and vehicles24€35k€24k▼

Current assets29/58€633k€124k▼

Stocks and contracts in progress3€0-

Stocks30/36€0-

Amounts receivable within one year40/41€706€5k▲

Trade receivables40€706€0▼

Other amounts receivable41-€5k

Current investments50/53-€110k

Cash at bank and in hand54/58€631k€7k▼

Deferred charges and accrued income490/1€2k€2k▼

Equity and liabilities

Total equity and liabilities10/49€850k€323k▼

Equity10/15€347k€177k▼

Contributions10/11€20k€20k=

Profit (loss) carried forward14€327k€157k▼

Amounts payable17/49€503k€146k▼

Amounts payable after more than one year17€144k€131k▼

Financial debts170/4€144k€131k▼

Amounts payable within one year42/48€358k€14k▼

Current portion of amounts payable after more than one year42€13k€13k▲

Financial debts43€0-

Credit institutions430/8€0-

Trade debts44€0€80▲

Suppliers440/4€0€80▲

Taxes, remuneration and social security45€103k€1k▼

Taxes450/3€103k€1k▼

Other amounts payable47/48€243k€0▼

Accrued charges and deferred income492/3€1k€1k=

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼

Other operating charges640/8€7k€5k▼

Gross operating margin9900€481k€102k▼

Operating profit (loss)9901€455k€80k▼

Financial income75/76B-€6k

Recurring financial income75-€6k

Financial charges65/66B€3k€3k▼

Recurring financial charges65€3k€3k▼

Profit (loss) for the period before taxes9903€451k€83k▼

Income taxes67/77€103k€17k▼

Profit (loss) for the period9904€349k€66k▼

Profit (loss) for the period to be appropriated9905€349k€66k▼

Appropriation of the result

Profit (loss) to be appropriated9906€327k€393k▲

Profit (loss) brought forward from the previous period14P€-22k€327k▲

Profit to be distributed694/7-€236k

Return on contributions (dividend)694-€236k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 4Filings 4

2025

20-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Liquidity times 5current ratio 8.73

Current ratio from 1.77 to 8.73; short-term debt falls from €358k to €14k.

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

31-12

Financial Back to profitnet €349k

Net result €349k after 2 loss-making years.

31-12

Financial Liquidity doublescurrent ratio 1.77

Current ratio from 0.86 to 1.77; short-term debt falls from €563k to €358k.

31-12

Financial Equity above €200kEq €347k

Equity rises from €-2k to €347k.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

29-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 29 days late

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

Directors · office · real estate

Directors

1 act for this company is 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, Waterloo · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Avenue Florida 831410 Waterloo

Ground area

2,287 m²

Building footprint

199 m²

Volume, LiDAR

1,100 m³

Parcel 25762H0474/00A000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

IMELIA

Avenue Florida 83, 1410 WaterlooReal estate activities

since 20202.300.823.271

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25762H0474/00A000	Wallonia	2,287 m²	1 · 199 m²	8.3 m · 2 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.

Similar companies · same sector, comparable size

Bilzen-Hoeselt · Eq €177k

Wellens Construct

BE 0831.129.949

Keerbergen · Eq €177k

Of 7,321 companies in sector 68110 we hold annual accounts for 5,381. 3,867 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-03-2020

Fiscal year end31-12

Activities, NACEBEL

68110Buying and selling of own real estate

68310Real estate agency activities

68311Real estate activities

68312Real estate activities

68321Property management for co-owned buildings (syndics)

68322Real estate appraisal on a fee or contract basis

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.