IMMEC
ActiveIMMEC has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €470k and a net result of €6k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency74▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.63 in 2024; short-term debt: 50.6% and cash: 1.4% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 68
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.4%
Return on assets
0.6%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
8 d early
2023
7 d early
2022
4 d early
2021
3 d early
2020
5 d early
2019
2 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€470k▲ 1.3%
2024 · €464k
2018: €394k
2019: €377k
2020: €379k
2021: €406k
2022: €443k
2023: €464k
2024: €464k
2018 → 2025
Total assets
€952k▼ 1.2%
2024 · €964k
2018: €1.03M
2019: €982k
2020: €979k
2021: €975k
2022: €988k
2023: €993k
2024: €964k
2018 → 2025
Net result
€6k
2024 · €-256
2018: €-26k
2019: €-18k
2020: €-20k
2021: €-18k
2022: €37k
2023: €21k
2024: €-256
2018 → 2025
Working capital
€272k▼ 12.4%
2024 · €311k
2018: €265k
2019: €251k
2020: €277k
2021: €328k
2022: €344k
2023: €333k
2024: €311k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€406k-€443k▲ 9.1%€464k▲ 4.7%€464k▼ 0.1%€470k▲ 1.3%
Operating result€-16k-€38k€22k▼ 44.0%€-579€8k
Net result€-18k-€37k€21k▼ 43.2%€-256€6k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €579 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €952k
Fixed assets
€198k▲ 23.9%
Current assets
€754k▼ 6.2%
Equity and liabilities €952k
Equity
€470k▲ 1.3%
Debt
€482k▼ 3.5%
The debt ratio falls from 51.8% to 50.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€29k▼
2024 · €31k
Cash flow
€28k▼
2024 · €31k
Solvency
49.4%▲
2024 · 48.2%
Current ratio
1.57▼
2024 · 1.63
Quick ratio
1.57▼
2024 · 1.63
Debt / equity
1.03▼
2024 · 1.08
ROE
1.2%▲
2024 · -0.1%
ROA
0.6%▲
2024 · 0.0%
Interest coverage
17.54▲
2024 · 7.59
Debt
€482k▼
2024 · €500k
Debt ≤ 1 year
€482k▼
2024 · €493k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€964k€952k▼
Fixed assets21/28€159k€198k▲
Tangible fixed assets22/27€159k€198k▲
Land and buildings22€104k€148k▲
Plant, machinery and equipment23€56k€50k▼
Current assets29/58€804k€754k▼
Amounts receivable within one year40/41€742k€742k=
Other amounts receivable41€742k€742k=
Cash at bank and in hand54/58€63k€13k▼
Equity and liabilities
Total equity and liabilities10/49€964k€952k▼
Equity10/15€464k€470k▲
Contributions10/11€488k€488k=
Capital10€488k€488k=
Issued capital100€488k€488k=
Reserves13€38k€38k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€-62k€-56k▲
Amounts payable17/49€500k€482k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€493k€482k▼
Current portion of amounts payable after more than one year42€23k€6k▼
Trade debts44€36€94▲
Suppliers440/4€36€94▲
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€9k▲
Other amounts payable47/48€467k€467k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€22k▼
Other operating charges640/8€4k€11k▲
Gross operating margin9900€35k€41k▲
Operating profit (loss)9901€-579€8k▲
Financial income75/76B€4k-
Recurring financial income75€4k-
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-256€6k▲
Profit (loss) for the period9904€-256€6k▲
Profit (loss) for the period to be appropriated9905€-256€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-56k▲
Profit (loss) brought forward from the previous period14P€-62k€-62k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €37k
Net result €37k after 4 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Lubbeek · 1 establishment unit since 1996
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.
Kortrijkstraat(LIN) 1523210 LubbeekGround area
4,021 m²
Building footprint
197 m²
Volume, LiDAR
967 m³
Parcel 24063A0058/00K000, Flanders · tallest building 14.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kortrijkstraat(LIN) 152, 3210 Lubbeek
since 19962.059.702.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063A0058/00K000 | Flanders | 4,021 m² | 1 · 197 m² | 14.3 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
ATLANTIC REAL ESTATE
BE 0435.481.597
Mechelen · Eq €470k
SRI
BE 0465.657.408
Beersel · Eq €469k
MEUREZ CO
BE 0816.647.156
Kluisbergen · Eq €471k
Immo Medic Merchtem
BE 0767.853.780
Merchtem · Eq €469k
DE MELLAERDE
BE 0451.211.534
Alken · Eq €471k
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 5,039 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-11-1992
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.