IMMO-3V
ActiveSummary
IMMO-3V has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,675 and a net result of -€9,266. Equity is shrinking by ~11.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.4% (very low).
Financials · fiscal year 2025, micro schema
2021 to 2025, 5 fiscal years 2019 to 2025, 7 fiscal years
The operating result returns to profit in 2025: €141 after a loss of €2,671 in 2024.
What the company sold each fiscal year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Point at or tap a year, or use the arrow keys on the chart, for the exact figures; the table below gives them all.
Peer companies
Historical observationOf the 3,441 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 90% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a small loss
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,471 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 3,441 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.
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €14,358 | €13,337 | €13,337 | €13,894 | €18,504 | €20,033 | €24,368 | ▲ 21.6% |
| Other operating charges640/8 | €3,777 | - | €3,948 | €4,044 | €4,431 | €4,612 | €4,650 | ▲ 0.8% |
| Gross operating margin9900 | €42,026 | €37,150 | €28,406 | €32,118 | €39,567 | €21,974 | €29,160 | ▲ 32.7% |
| Operating profit (loss)9901 | €23,891 | €19,895 | €11,121 | €14,180 | €16,631 | -€2,671 | €141 | ▲ 105% |
| Financial charges65/66B | €279 | - | €1,219 | €3,505 | €6,278 | €9,676 | €9,408 | ▼ 2.8% |
| Recurring financial charges65 | €279 | €403 | €1,219 | €3,505 | €6,278 | €9,676 | €9,408 | ▼ 2.8% |
| Profit (loss) for the period before taxes9903 | €23,612 | €19,491 | €9,902 | €10,675 | €10,354 | -€12,347 | -€9,266 | ▲ 24.9% |
| Income taxes67/77 | €3,045 | €2,623 | €2,754 | €900 | €2,485 | €0 | - | - |
| Profit (loss) for the period9904 | €20,567 | €16,868 | €7,148 | €9,775 | €7,869 | -€12,347 | -€9,266 | ▲ 24.9% |
| Profit (loss) for the period to be appropriated9905 | €20,567 | €16,868 | €7,148 | €9,775 | €7,869 | -€12,347 | -€9,266 | ▲ 24.9% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €250,479 | €266,523 | €267,671 | €359,478 | €334,602 | €255,853 | €256,575 | ▲ 0.3% |
| Fixed assets21/28 | €227,581 | €214,245 | €200,908 | €247,242 | €233,863 | €238,364 | €234,441 | ▼ 1.6% |
| Tangible fixed assets22/27 | €227,581 | €214,245 | €200,908 | €247,242 | €233,863 | €238,364 | €234,441 | ▼ 1.6% |
| Land and buildings22 | €227,581 | - | €200,908 | €247,242 | €233,863 | €238,364 | €227,823 | ▼ 4.4% |
| Plant, machinery and equipment23 | - | - | - | - | - | - | €6,619 | - |
| Current assets29/58 | €22,898 | €52,279 | €66,764 | €112,236 | €100,739 | €17,489 | €22,134 | ▲ 26.6% |
| Amounts receivable within one year40/41 | €5,310 | - | - | €2,000 | €1,100 | - | €1,668 | - |
| Trade receivables40 | - | - | - | - | - | - | €1,668 | - |
| Other amounts receivable41 | €5,310 | - | - | €2,000 | €1,100 | - | - | - |
| Cash at bank and in hand54/58 | €16,118 | €52,279 | €65,561 | €110,236 | €99,007 | €17,489 | €20,466 | ▲ 17.0% |
| Deferred charges and accrued income490/1 | €1,470 | - | €1,202 | - | €632 | - | - | - |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €250,479 | €266,523 | €267,671 | €359,478 | €334,602 | €255,853 | €256,575 | ▲ 0.3% |
| Equity10/15 | €228,628 | €235,496 | €221,643 | €198,419 | €176,288 | €103,941 | €94,675 | ▼ 8.9% |
| Contributions10/11 | - | - | €16,117 | €16,117 | €16,117 | €16,117 | €16,117 | = |
| Outside capital11 | €16,117 | - | - | - | - | - | - | - |
| Reserves13 | €198,674 | €205,474 | €191,474 | €167,474 | €145,174 | €85,174 | €85,174 | = |
| Reserves not available under the articles1311 | €152,000 | - | - | - | - | - | - | - |
| Distributable reserves133 | €46,674 | - | €191,474 | €167,474 | €145,174 | €85,174 | €85,174 | = |
| Profit (loss) carried forward14 | €13,837 | €13,905 | €14,052 | €14,828 | €14,997 | €2,650 | -€6,616 | ▼ 350% |
| Amounts payable17/49 | €21,851 | €31,028 | €46,028 | €161,060 | €158,314 | €151,911 | €161,900 | ▲ 6.6% |
| Amounts payable after more than one year17 | - | - | - | €38,802 | €28,983 | €18,952 | €8,706 | ▼ 54.1% |
| Financial debts170/4 | - | - | - | €38,802 | €28,983 | €18,952 | €8,706 | ▼ 54.1% |
| Amounts payable within one year42/48 | €21,851 | €30,639 | €45,003 | €119,727 | €124,311 | €124,346 | €143,290 | ▲ 15.2% |
| Current portion of amounts payable after more than one year42 | - | - | - | €9,616 | €9,819 | €10,031 | €10,246 | ▲ 2.1% |
| Trade debts44 | €907 | €930 | €953 | €32,676 | €9,291 | €3,181 | €2,539 | ▼ 20.2% |
| Suppliers440/4 | €907 | - | €953 | €32,676 | €9,291 | €3,181 | €2,539 | ▼ 20.2% |
| Taxes, remuneration and social security45 | €3,044 | - | €6,856 | €5,155 | €985 | - | - | - |
| Taxes450/3 | €3,044 | - | €6,856 | €5,155 | €985 | - | - | - |
| Other amounts payable47/48 | €17,900 | - | €37,195 | €72,281 | €104,216 | €111,133 | €130,505 | ▲ 17.4% |
| Accrued charges and deferred income492/3 | - | - | €1,025 | €2,530 | €5,020 | €8,614 | €9,904 | ▲ 15.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €20,567 | €16,868 | €7,148 | €9,775 | €7,869 | -€12,347 | -€9,266 | ▲ 24.9% |
| + Depreciation and write-downs630 | €14,358 | €13,337 | €13,337 | €13,894 | €18,504 | €20,033 | €24,368 | ▲ 21.6% |
| Operating cash flow (approximation) | €34,925 | €30,205 | €20,485 | €23,669 | €26,373 | €7,687 | €15,102 | ▲ 96.5% |
| Investment in fixed assets (approximation) | - | -€1 | €0 | -€60,228 | -€5,124 | -€24,535 | -€20,446 | ▲ 16.7% |
| Change in cash | - | €36,161 | €13,283 | €44,675 | -€11,229 | -€81,518 | €2,977 | ▲ 104% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.