IMMO AMEL
ActiveSummary
IMMO AMEL has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.3m and a net result of €104,623. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 9341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75=
Solvency87▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100,000 at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.06 in 2024; short-term debt: 32.5% and cash: 0.2% of total assets), and 38.2% of the assets are financed with debt.
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Signals
Four 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
61.8%
Return on assets
4.8%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
1 d early
2023
68 d late
2022
192 d late
2021
347 d late
2020
90 d late
2019
455 d 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 169 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 8 October (4 of the last 5 filed years within 123 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€1.3m▲ 8.5%
2024 · €1.2m
Total assets
€2.2m▼ 0.2%
2024 · €2.2m
Net result
€104,623▲ 3.0%
2024 · €101,535
Working capital
-€605,317▲ 3.0%
2024 · -€624,229
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€176,338▲ 0.6%€161,702▼ 8.3%€166,040▲ 2.7%€160,364▼ 3.4%€172,390▲ 7.5%
Net result€106,535within the sector's middle half▲ 2.5%€98,525within the sector's middle half▼ 7.5%€103,782above the sector's middle half▲ 5.3%€101,535above the sector's middle half▼ 2.2%€104,623above the sector's middle half▲ 3.0%
Equity€929,771within the sector's middle half▲ 12.9%€1.0mwithin the sector's middle half▲ 10.6%€1.1mwithin the sector's middle half▲ 10.1%€1.2mwithin the sector's middle half▲ 9.0%€1.3mabove the sector's middle half▲ 8.5%
Total assets€2.3mwithin the sector's middle half▼ 3.7%€2.3mwithin the sector's middle half▼ 0.4%€2.2mwithin the sector's middle half▼ 4.0%€2.2mwithin the sector's middle half▼ 2.9%€2.2mwithin the sector's middle half▼ 0.2%
Debt€1.4m▼ 12.2%€1.3m▼ 7.7%€1.1m▼ 15.1%€938,730▼ 15.1%€828,802▼ 11.7%
Working capital-€614,753below the sector's middle half▼ 1.2%-€622,746below the sector's middle half▼ 1.3%-€623,963below the sector's middle half▼ 0.2%-€624,229below the sector's middle half=-€605,317below the sector's middle half▲ 3.0%
Solvency39.7%within the sector's middle half▲ 5.9pp44.1%within the sector's middle half▲ 4.4pp50.6%within the sector's middle half▲ 6.5pp56.8%within the sector's middle half▲ 6.2pp61.8%within the sector's middle half▲ 5.0pp
Current ratio0.02below the sector's middle half▼ 0.040.10below the sector's middle half▲ 0.080.06below the sector's middle half▼ 0.040.06below the sector's middle half=0.14below the sector's middle half▲ 0.08
Return on assets (ROA)4.5%within the sector's middle half▲ 0.3pp4.2%within the sector's middle half▼ 0.3pp4.6%within the sector's middle half▲ 0.4pp4.7%within the sector's middle half=4.8%within the sector's middle half▲ 0.2pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.2m
Fixed assets
€2.1m ▼ 3.1%
Current assets
€99,662 ▲ 154%
Equity and liabilities €2.2m
Equity
€1.3m ▲ 8.5%
Debt
€828,802 ▼ 11.7%
Debt's share of the balance-sheet total falls from 43.2% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€238,086▲
2024 · €226,060
Cash flow
€170,319▲
2024 · €167,231
Debt to equity
0.62▼
2024 · 0.76
ROE
7.8%▼
2024 · 8.2%
Interest coverage
6.92▼
2024 · 9.47
Debt ≤ 1 year
€704,979▲
2024 · €663,499
Debt > 1 year
€120,333▼
2024 · €268,627
Income taxes
€33,433▼
2024 · €37,618
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,048 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 96% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.4%
went bankrupt
3.6%
stopped otherwise
96%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 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% | 1.9% |
| 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 6,048 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65,696 | €65,696 | €65,696 | €65,696 | €65,696 | = |
| Other operating charges640/8 | €8,298 | €8,397 | €10,763 | €10,483 | €9,515 | ▼ 9.2% |
| Gross operating margin9900 | €250,333 | €235,795 | €242,499 | €236,542 | €247,601 | ▲ 4.7% |
| Operating profit (loss)9901 | €176,338 | €161,702 | €166,040 | €160,364 | €172,390 | ▲ 7.5% |
| Financial income75/76B | - | - | - | €2,657 | €97 | ▼ 96.4% |
| Recurring financial income75 | - | - | - | €2,657 | €97 | ▼ 96.4% |
| Financial charges65/66B | €31,003 | €28,560 | €24,432 | €23,867 | €34,430 | ▲ 44.3% |
| Recurring financial charges65 | €31,003 | €28,560 | €24,432 | €23,867 | €34,430 | ▲ 44.3% |
| Profit (loss) for the period before taxes9903 | €145,335 | €133,142 | €141,608 | €139,154 | €138,056 | ▼ 0.8% |
| Income taxes67/77 | €38,800 | €34,617 | €37,826 | €37,618 | €33,433 | ▼ 11.1% |
| Profit (loss) for the period9904 | €106,535 | €98,525 | €103,782 | €101,535 | €104,623 | ▲ 3.0% |
| Profit (loss) for the period to be appropriated9905 | €106,535 | €98,525 | €103,782 | €101,535 | €104,623 | ▲ 3.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.3m | €2.3m | €2.2m | €2.2m | €2.2m | ▼ 0.2% |
| Fixed assets21/28 | €2.3m | €2.3m | €2.2m | €2.1m | €2.1m | ▼ 3.1% |
| Tangible fixed assets22/27 | €2.3m | €2.3m | €2.2m | €2.1m | €2.1m | ▼ 3.1% |
| Land and buildings22 | €2.3m | €2.3m | €2.2m | €2.1m | €2.1m | ▼ 3.1% |
| Current assets29/58 | €11,874 | €67,483 | €39,527 | €39,271 | €99,662 | ▲ 154% |
| Amounts receivable within one year40/41 | - | €59 | €30,240 | €35,624 | €95,486 | ▲ 168% |
| Trade receivables40 | - | - | - | €5,550 | - | - |
| Other amounts receivable41 | - | €59 | €30,240 | €30,073 | €95,486 | ▲ 218% |
| Cash at bank and in hand54/58 | €8,074 | €67,424 | €9,287 | €3,647 | €3,576 | ▼ 1.9% |
| Deferred charges and accrued income490/1 | €3,800 | - | - | - | €600 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.3m | €2.3m | €2.2m | €2.2m | €2.2m | ▼ 0.2% |
| Equity10/15 | €929,771 | €1.0m | €1.1m | €1.2m | €1.3m | ▲ 8.5% |
| Contributions10/11 | €250,000 | €250,000 | €250,000 | €250,000 | €250,000 | = |
| Reserves13 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Non-distributable reserves130/1 | €25,000 | €25,000 | - | - | - | - |
| Reserves not available under the articles1311 | €25,000 | €25,000 | - | - | - | - |
| Distributable reserves133 | - | - | €25,000 | €25,000 | €25,000 | = |
| Profit (loss) carried forward14 | €654,771 | €753,295 | €857,077 | €958,612 | €1.1m | ▲ 10.9% |
| Amounts payable17/49 | €1.4m | €1.3m | €1.1m | €938,730 | €828,802 | ▼ 11.7% |
| Amounts payable after more than one year17 | €785,267 | €613,053 | €440,840 | €268,627 | €120,333 | ▼ 55.2% |
| Financial debts170/4 | €785,267 | €613,053 | €440,840 | €268,627 | €120,333 | ▼ 55.2% |
| Amounts payable within one year42/48 | €626,627 | €690,229 | €663,489 | €663,499 | €704,979 | ▲ 6.3% |
| Current portion of amounts payable after more than one year42 | €172,213 | €172,213 | €172,213 | €172,213 | €148,293 | ▼ 13.9% |
| Financial debts43 | - | €25,000 | €25,000 | - | €33,407 | - |
| Credit institutions430/8 | - | €25,000 | €25,000 | - | €33,407 | - |
| Trade debts44 | €2,669 | €2,669 | €1,433 | €20,000 | €23,487 | ▲ 17.4% |
| Suppliers440/4 | €2,669 | €2,669 | €1,433 | €20,000 | €23,487 | ▲ 17.4% |
| Taxes, remuneration and social security45 | €40,889 | €75,506 | €47,443 | €24,411 | €11,419 | ▼ 53.2% |
| Taxes450/3 | €40,889 | €75,506 | €47,443 | €24,411 | €11,419 | ▼ 53.2% |
| Other amounts payable47/48 | €410,855 | €414,840 | €417,401 | €446,875 | €488,373 | ▲ 9.3% |
| Accrued charges and deferred income492/3 | €368 | €368 | €1,888 | €6,604 | €3,490 | ▼ 47.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €106,535 | €98,525 | €103,782 | €101,535 | €104,623 | ▲ 3.0% |
| + Depreciation and write-downs630 | €65,696 | €65,696 | €65,696 | €65,696 | €65,696 | = |
| Operating cash flow (approximation) | €172,231 | €164,221 | €169,478 | €167,231 | €170,319 | ▲ 1.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €59,350 | -€58,137 | -€5,640 | -€71 | ▲ 98.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 68 days late
08-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 192 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 347 days late
2022
31-12
Financial
Equity above €1mEq €1.0m ▲10.6%
5 profitable years in a row build equity to €1.0m.
2021
31-12
Financial
Highest result since 2018net €106,535 ▲2.5%
Net result €106,535, the highest in the series.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 455 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 112 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wevelgem · 1 establishment unit since 2011
Ground area
1,459 m²
Building footprint
177 m²
Volume, LiDAR
1,071 m³
Parcel 34012D0475/00K000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
IMMO AMEL
since 20112.203.091.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34012D0475/00K000 | Flanders | 1,459 m² | 1 · 177 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500EVBTQWP6CPGJ06
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Of 9,144 companies in sector 68201 we hold annual accounts for 6,775. 4,660 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded24-08-2011
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0839198072
Also
9925:BE0839198072
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.