IMMO 16 EXPERT
ActiveSummary
IMMO 16 EXPERT has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-10k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 36% of 11322 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-15
Solvency49▼-11
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.48 in 2024; short-term debt: 76% and cash: 20.5% of total assets), and 76% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
24%
Return on assets
-13.6%
Age of the figures
9 mo
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
1819202122232425
2018 to 2025 · latest year €-10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
28 d late
2023
22 d late
2022
77 d early
2021
73 d early
2020
50 d early
2019
58 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-10k▼ 1,044%
2024 · €-841
2018: €7k
2019: €-9k
2020: €-23k
2021: €13k
2022: €11k
2023: €241
2024: €-841
2018 → 2025
Working capital
€-31k▼ 18.2%
2024 · €-26k
2018: €3k
2019: €12k
2020: €-4k
2021: €14k
2022: €5k
2023: €8k
2024: €-26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€27k▲ 70.4%€27k▲ 0.9%€27k▼ 3.1%€17k▼ 36.2%
Operating result€14k-€13k▼ 1.4%€3k▼ 79.7%€765▼ 71.8%€-9k
Net result€13k-€11k▼ 16.5%€241▼ 97.9%€-841€-10k▼ 1,044%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €765 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€48k ▼ 9.1%
Current assets
€23k ▼ 4.9%
Equity and liabilities €71k
Equity
€17k ▼ 36.2%
Debt
€54k ▲ 7.2%
Debt's share of the balance-sheet total rises from 65.4% to 76.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €9k
Cash flow
€4k▼
2024 · €7k
Current ratio
0.42▼
2024 · 0.48
Debt to equity
3.18▲
2024 · 1.89
ROE
-56.8%▼
2024 · -3.2%
ROA
-13.6%▼
2024 · -1.1%
Interest coverage
51.44▼
2024 · 169.25
Debt ≤ 1 year
€54k▲
2024 · €50k
Income taxes
€664▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€71k▼
Fixed assets21/28€53k€48k▼
Tangible fixed assets22/27€53k€48k▼
Furniture and vehicles24€53k€48k▼
Current assets29/58€24k€23k▼
Amounts receivable within one year40/41€1k€7k▲
Trade receivables40€932€5k▲
Other amounts receivable41€267€2k▲
Cash at bank and in hand54/58€22k€15k▼
Deferred charges and accrued income490/1€1k€981▼
Equity and liabilities
Total equity and liabilities10/49€77k€71k▼
Equity10/15€27k€17k▼
Contributions10/11€10k€10k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€15k€5k▼
Amounts payable17/49€50k€54k▲
Amounts payable within one year42/48€50k€54k▲
Trade debts44€2k€18k▲
Suppliers440/4€2k€18k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Other amounts payable47/48€44k€34k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€14k▲
Other operating charges640/8€773€610▼
Gross operating margin9900€9k€6k▼
Operating profit (loss)9901€765€-9k▼
Financial income75/76B€8€0▼
Recurring financial income75€8€0▼
Financial charges65/66B€51€101▲
Recurring financial charges65€51€101▲
Profit (loss) for the period before taxes9903€721€-9k▼
Income taxes67/77€2k€664▼
Profit (loss) for the period9904€-841€-10k▼
Profit (loss) for the period to be appropriated9905€-841€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€5k▼
Profit (loss) brought forward from the previous period14P€16k€15k▼
The notes to these accounts (9 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.73 to 1.77.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Chaumont-Gistoux · 1 establishment unit since 2000
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.
Rue de Sart-Risbart, Longuev. 161325 Chaumont-GistouxGround area
2,418 m²
Building footprint
278 m²
Volume, LiDAR
1,958 m³
Parcel 25058C0374/00Y000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de Sart-Risbart, Longuev. 16, 1325 Chaumont-Gistoux
since 20002.116.477.048
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25058C0374/00Y000 | Wallonia | 2,418 m² | 1 · 278 m² | 9.4 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
Molse Streekbieren
BE 0765.255.962
Mol · Eq €16,982
Bier- en wijnhandel De Neys - Asselman
BE 0439.287.264
Liedekerke · Eq €17,060
SAILOR DRINKS
BE 0798.954.158
Gent · Eq €17,095
MILAMORES
BE 0754.725.623
Brasschaat · Eq €17,265
BEVIAMO
BE 0533.747.943
Brussel · Eq €17,278
Of 1,581 companies in sector 46349 we hold annual accounts for 987. 433 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2000
Fiscal year end31-12
Activities, NACEBEL 2025
46349Wholesale of beverages, general range
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
66210Risk and damage evaluation
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.