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IMMO A.G.Y.

Active
Public limited companyfounded 1991active for 34 yearsMechelsesteenweg 7, 2640 Mortsel, BelgiumKBO/BCE: BE 0445.525.948
Summary

IMMO A.G.Y. has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €170,580 and a net result of -€27,924. Equity is shrinking by about 18% per year across the filed financial years. Its solvency ranks better than 64% of 10,986 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
1 site
Size
€350,087total assets 2025
Equity
€170,580
Loss
-€27,924
Turnover not published (abbreviated or micro format)Net result +90%: other schema
Financial health
67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.8%
Structure
Accounts 1 day early0 of 10 deeds read
Why 67raises risk2 of the last 3 lateLiquidity: current ratio 2.37, cash €46, halvedLoss of €27,924, the second in a row (financial year 2025)lowers riskFounded in 1991Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially better than 32% of its sector peers (NACE 68, micro)
Financial strength · tick = 2024
Weak
Solvency 74+7
equity 48.7% of total assets
Liquidity 30-44
short-term debt 42.1% · cash 0.0%
Profitability 18+18
return on assets -8.0%
Bankruptcy probability, 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,560 companies, NACE 68, micro)
Last 24 months 11-2024: 7.0%highest value 12-2024: 4.6%▼ -2.4 percentage points vs 11-2024 01-2025: 4.6%● unchanged vs 12-2024 02-2025: 2.0%▼ -2.6 percentage points vs 01-2025 03-2025: 2.0%● unchanged vs 02-2025 04-2025: 1.9%▼ -0.1 percentage points vs 03-2025 05-2025: 1.8%▼ -0.1 percentage points vs 04-2025 06-2025: 1.7%▼ -0.1 percentage points vs 05-2025 07-2025: 1.7%● unchanged vs 06-2025 08-2025: 2.1%▲ +0.4 percentage points vs 07-2025 09-2025: 2.6%▲ +0.5 percentage points vs 08-2025 10-2025: 0.6%▼ -2.0 percentage points vs 09-2025 11-2025: 0.6%● unchanged vs 10-2025 12-2025: 0.5%▼ -0.1 percentage points vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.5%● unchanged vs 01-2026 03-2026: 0.5%● unchanged vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.4%▼ -0.1 percentage points vs 04-2026lowest value 06-2026: 0.5%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.8%▲ +0.3 percentage points vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026
Credit of up to €11,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.37, compared with 1.96 in 2024; short-term debt: 42.1% and cash: 0% of total assets), but 51.3% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 63% on solvency, 23% on liquidity, 19% on profitability and 25% on growth.

The bankruptcy probability was computed on 10-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · 2 of the last 3 late
NBB · filings
raises risk · Liquidity: current ratio 2.37, cash €46, halved
NBB · annual accounts
lowers risk · Founded in 1991
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Loss of €27,924, the second in a row (financial year 2025)
NBB · annual accounts
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 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€27,924
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 day early
2024
61 days late
2023
121 days late
2022
28 days early
2021
47 days late
2020
27 days late
2019
6 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 33 days after the deadline; the sector median (NACE 68) for financial year 2024 is 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 16 September (5 of the last 5 filed years within 75 days of that day).
Companies Code · seven months
Where today falls in the filing period
11-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Weakest financial yearnet -€293,357

Key points

  • Positive: Result rose in 2025different schema filed ▲ 90.5% View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€27,924 View
  • Active since 1991founded 21-10-1991 34 years View

By topic

Financials

Financial year
2025
Total assets
€350,087
Loss
-€27,924
Solvency
48.7%
Total assets▼ 25.4%
Net result
20182025
Go to Financials

Timeline

Events
40
Since
1992
Next accounts
by 31-07-2027
  1. 29-11-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 31-12-2023Liquidity more than 5 times
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
21-10-1991
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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