Summary
IMMO B&B is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €158,651 and a net result of €24,480. Equity is growing by ~24.6% per year across the filed fiscal years. Its solvency ranks better than 16% of 6167 sector peers (fiscal year 2024). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 6167 sector peers (2024).
NBB · sector comparisonPosition among 6167 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-07-2025, 4 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
4 d early
2023
7 d early
2022
12 d early
2021
2 d early
2020
17 d early
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 7 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What changed in the latest annual accounts?What changed What held for this company on a given day: board, seat, name?Company as of a date
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, abbreviated schema
Equity
€158,651▲ 18.2%
2023 · €134,171
Net result
€24,480▼ 1.9%
2023 · €24,965
Total assets
€1.1m▼ 1.5%
2023 · €1.1m
Solvency
14.7%▲ 2.5pp
2023 · 12.3%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20202021202220232024
Operating result-€6,615€39,791€47,289▲ 18.8%€58,267▲ 23.2%€59,317▲ 1.8%
Net result-€19,369below the sector's middle half€15,675within the sector's middle half€27,695within the sector's middle half▲ 76.7%€24,965within the sector's middle half▼ 9.9%€24,480within the sector's middle half▼ 1.9%
Equity€65,836below the sector's middle half▼ 22.7%€81,511below the sector's middle half▲ 23.8%€109,206below the sector's middle half▲ 34.0%€134,171below the sector's middle half▲ 22.9%€158,651below the sector's middle half▲ 18.2%
Total assets€1.1mwithin the sector's middle half▲ 20.8%€1.0mwithin the sector's middle half▼ 3.2%€1.1mwithin the sector's middle half▲ 7.9%€1.1mwithin the sector's middle half▼ 2.3%€1.1mwithin the sector's middle half▼ 1.5%
Debt€1.0m▲ 26.3%€955,650▼ 4.9%€1.0m▲ 5.7%€959,249▼ 5.0%€918,842▼ 4.2%
Working capital-€97,441within the sector's middle half▼ 197%-€84,109within the sector's middle half▲ 13.7%-€111,326within the sector's middle half▼ 32.4%-€88,453within the sector's middle half▲ 20.5%-€81,408within the sector's middle half▲ 8.0%
Solvency6.1%below the sector's middle half▼ 3.5pp7.9%below the sector's middle half▲ 1.7pp9.8%below the sector's middle half▲ 1.9pp12.3%below the sector's middle half▲ 2.5pp14.7%below the sector's middle half▲ 2.5pp
Current ratio0.19below the sector's middle half▼ 0.460.22below the sector's middle half▲ 0.030.25below the sector's middle half▲ 0.030.36within the sector's middle half▲ 0.110.47within the sector's middle half▲ 0.11
Return on assets (ROA)-1.8%below the sector's middle half▼ 7.7pp1.5%within the sector's middle half▲ 3.3pp2.5%within the sector's middle half▲ 1.0pp2.3%within the sector's middle half▼ 0.2pp2.3%within the sector's middle half=
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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 has risen four years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets
€1.0m ▼ 3.7%
Current assets
€73,118 ▲ 46.0%
Equity and liabilities €1.1m
Equity
€158,651 ▲ 18.2%
Provisions
€531 ▼ 3.3%
Debt
€918,842 ▼ 4.2%
Debt's share of the balance-sheet total falls from 87.7% to 85.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
15.4%▼
2023 · 18.6%
Debt ≤ 1 year
€154,526▲
2023 · €138,538
Debt > 1 year
€744,326▼
2023 · €803,432
Income taxes
€8,178▼
2023 · €8,340
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €88,710 | €35,206 | €36,619 | €38,978 | €38,978 | = |
| Other operating charges640/8 | - | €8,400 | €8,469 | €9,568 | €9,762 | ▲ 2.0% |
| Gross operating margin9900 | €89,453 | €83,396 | €92,377 | €106,813 | €108,056 | ▲ 1.2% |
| Operating profit (loss)9901 | -€6,615 | €39,791 | €47,289 | €58,267 | €59,317 | ▲ 1.8% |
| Financial income75/76B | - | - | €1,516 | - | - | - |
| Recurring financial income75 | - | - | €1,516 | - | - | - |
| Financial charges65/66B | - | €21,786 | €20,623 | €24,981 | €26,676 | ▲ 6.8% |
| Recurring financial charges65 | €18,064 | €21,786 | €20,623 | €24,981 | €26,676 | ▲ 6.8% |
| Profit (loss) for the period before taxes9903 | -€24,679 | €18,004 | €28,182 | €33,287 | €32,640 | ▼ 1.9% |
| Transfer from deferred taxes780 | - | €18 | €18 | €18 | €18 | = |
| Income taxes67/77 | - | €2,347 | €505 | €8,340 | €8,178 | ▼ 1.9% |
| Profit (loss) for the period9904 | -€19,369 | €15,675 | €27,695 | €24,965 | €24,480 | ▼ 1.9% |
| Transfer from tax-exempt reserves789 | - | €55 | €55 | €55 | €55 | = |
| Profit (loss) for the period to be appropriated9905 | -€7,102 | €15,730 | €27,750 | €25,020 | €24,535 | ▼ 1.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.0m | €1.1m | €1.1m | €1.1m | ▼ 1.5% |
| Fixed assets21/28 | €1.0m | €1.0m | €1.1m | €1.0m | €1.0m | ▼ 3.7% |
| Tangible fixed assets22/27 | €1.0m | €1.0m | €1.1m | €1.0m | €1.0m | ▼ 3.7% |
| Land and buildings22 | - | €979,081 | €1.0m | €1.0m | €972,458 | ▼ 2.8% |
| Plant, machinery and equipment23 | - | €34,954 | €55,062 | €43,755 | €32,448 | ▼ 25.8% |
| Current assets29/58 | €22,287 | €23,712 | €36,693 | €50,086 | €73,118 | ▲ 46.0% |
| Amounts receivable within one year40/41 | €7,624 | €10,500 | €10,500 | €16,024 | €8,637 | ▼ 46.1% |
| Trade receivables40 | - | - | - | €2,197 | €1,000 | ▼ 54.5% |
| Other amounts receivable41 | - | €10,500 | €10,500 | €13,827 | €7,637 | ▼ 44.8% |
| Cash at bank and in hand54/58 | €14,330 | €12,881 | €25,562 | €33,344 | €64,117 | ▲ 92.3% |
| Deferred charges and accrued income490/1 | - | €331 | €632 | €718 | €365 | ▼ 49.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.0m | €1.1m | €1.1m | €1.1m | ▼ 1.5% |
| Equity10/15 | €65,836 | €81,511 | €109,206 | €134,171 | €158,651 | ▲ 18.2% |
| Contributions10/11 | - | €63,000 | €63,000 | €63,000 | €63,000 | = |
| Reserves13 | €2,836 | €18,511 | €46,206 | €71,171 | €95,651 | ▲ 34.4% |
| Tax-exempt reserves132 | - | €1,758 | €1,703 | €1,648 | €1,594 | ▼ 3.3% |
| Distributable reserves133 | - | €16,753 | €44,503 | €69,523 | €94,058 | ▲ 35.3% |
| Profit (loss) carried forward14 | -€30,178 | - | - | - | - | - |
| Provisions and deferred taxes16 | €604 | €586 | €568 | €550 | €531 | ▼ 3.3% |
| Deferred taxes168 | - | €586 | €568 | €550 | €531 | ▼ 3.3% |
| Amounts payable17/49 | €1.0m | €955,650 | €1.0m | €959,249 | €918,842 | ▼ 4.2% |
| Amounts payable after more than one year17 | €885,360 | €835,097 | €849,454 | €803,432 | €744,326 | ▼ 7.4% |
| Financial debts170/4 | - | €835,097 | €849,454 | €803,432 | €744,326 | ▼ 7.4% |
| Amounts payable within one year42/48 | €119,728 | €107,821 | €148,019 | €138,538 | €154,526 | ▲ 11.5% |
| Current portion of amounts payable after more than one year42 | - | €50,263 | €57,280 | €58,186 | €59,106 | ▲ 1.6% |
| Trade debts44 | €2,799 | €111 | €25,055 | €2,361 | €489 | ▼ 79.3% |
| Suppliers440/4 | - | €111 | €25,055 | €2,361 | €489 | ▼ 79.3% |
| Taxes, remuneration and social security45 | - | - | €505 | €505 | €1,178 | ▲ 133% |
| Taxes450/3 | - | - | €505 | €505 | €1,178 | ▲ 133% |
| Other amounts payable47/48 | - | €57,447 | €65,179 | €77,487 | €93,753 | ▲ 21.0% |
| Accrued charges and deferred income492/3 | - | €12,732 | €12,308 | €17,279 | €19,990 | ▲ 15.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€19,369 | €15,675 | €27,695 | €24,965 | €24,480 | ▼ 1.9% |
| + Depreciation and write-downs630 | €88,710 | €35,206 | €36,619 | €38,978 | €38,978 | = |
| Operating cash flow (approximation) | €69,341 | €50,881 | €64,314 | €63,943 | €63,458 | ▼ 0.8% |
| Investment in fixed assets (approximation) | - | €0 | -€105,445 | €0 | €0 | - |
| Change in cash | - | -€1,449 | €12,681 | €7,782 | €30,772 | ▲ 295% |
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
2025
27-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €150,000Eq €158,651 ▲18.2%
4 profitable years in a row build equity to €158,651.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100,000Eq €109,206 ▲34%
2 profitable years in a row build equity to €109,206.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €15,675
Net result €15,675 after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€19,369
Net result drops to -€19,369, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €52,382 ▲18,150%
Operating result €78,027, net result €52,382, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Staden · 1 establishment unit since 2015
Ground area
1,686 m²
Building footprint
266 m²
Volume, LiDAR
1,053 m³
Parcel 36019E0246/00H000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IMMO B&B
since 20152.239.729.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36019E0246/00H000 | Flanders | 1,686 m² | 1 · 266 m² | 7.4 m · 1 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.
Similar companies · same sector, comparable size
EA
BE 0764.330.504
Kapellen · Eq €158,718
Ainnovate
BE 0797.265.962
Bornem · Eq €158,757
XL-PRODUCTIONS
BE 0637.971.077
Hasselt · Eq €158,536
Ambiance belge
BE 0439.747.817
Brugge · Eq €158,533
LATNET
BE 0787.651.381
Halle · Eq €158,490
Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 13,318 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
Founded06-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0597770121
Also
9925:BE0597770121
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.