IMMO B.C.H.
ActiveIMMO B.C.H. has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €474k and a net result of €11k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 41% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability55▼-4
Solvency47▼-12
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.18 against 0.38 in 2022; short-term debt: 45.7% and cash: 0.7% of total assets), and 77.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
22.4%
Return on assets
0.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 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
39 d late
2022
49 d early
2020
46 d late
2019
143 d late
2018
114 d late
2017
115 d late
2016
119 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€11k▲ 48.6%
2022 · €7k
2018: €10k
2019: €13k
2020: €31k
2022: €7k
2018 → 2025
Working capital
€-794k▼ 251%
2022 · €-226k
2018: €-45k
2019: €-35k
2020: €-4k
2022: €-226k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182019202020222025Trend
Equity€409k-€423k▲ 3.2%€454k▲ 7.4%€469k▲ 3.3%€474k▲ 1.1%
Operating result€27k-€29k▲ 5.9%€55k▲ 91.1%€29k▼ 47.8%€42k▲ 45.6%
Net result€10k-€13k▲ 26.9%€31k▲ 136%€7k▼ 76.4%€11k▲ 48.6%
Result per fiscal year
Operating resultNet result
The operating result is €42k in 2025, compared with €29k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2022 as the grey bar beneath
Assets €2.11M
Fixed assets
€1.94M▲ 55.5%
Current assets
€171k▲ 20.6%
Equity and liabilities €2.11M
Equity
€474k▲ 1.1%
Debt
€1.64M▲ 77.9%
The debt ratio rises from 66.3% to 77.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€126k▲
2022 · €87k
Cash flow
€95k▲
2022 · €65k
Solvency
22.4%▼
2022 · 33.7%
Current ratio
0.18▼
2022 · 0.38
Quick ratio
0.18▼
2022 · 0.38
Debt / equity
3.46▲
2022 · 1.96
ROE
2.3%▲
2022 · 1.6%
ROA
0.5%▼
2022 · 0.5%
Interest coverage
4.21▼
2022 · 4.73
Debt
€1.64M▲
2022 · €920k
Debt ≤ 1 year
€965k▲
2022 · €368k
Debt > 1 year
€672k▲
2022 · €552k
Income taxes
€1k▼
2022 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2022
Balance sheet
Code20222025
Assets
Total assets20/58€1.39M€2.11M▲
Fixed assets21/28€1.25M€1.94M▲
Tangible fixed assets22/27€731k€1.42M▲
Land and buildings22€731k€1.41M▲
Other tangible fixed assets26-€14k
Financial fixed assets28€516k€516k=
Current assets29/58€141k€171k▲
Amounts receivable within one year40/41€128k€130k▲
Trade receivables40€4k€4k=
Other amounts receivable41€124k€126k▲
Current investments50/53€3k€25k▲
Cash at bank and in hand54/58€11k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.39M€2.11M▲
Equity10/15€469k€474k▲
Contributions10/11€194k€194k=
Reserves13€19k€53k▲
Non-distributable reserves130/1€19k€19k=
Reserves not available under the articles1311€19k€19k=
Distributable reserves133-€34k
Profit (loss) carried forward14€255k€227k▼
Amounts payable17/49€920k€1.64M▲
Amounts payable after more than one year17€552k€672k▲
Financial debts170/4€552k€672k▲
Amounts payable within one year42/48€368k€965k▲
Current portion of amounts payable after more than one year42€55k€104k▲
Trade debts44€2k€7k▲
Suppliers440/4€2k€7k▲
Taxes, remuneration and social security45€21k€12k▼
Taxes450/3€21k€12k▼
Other amounts payable47/48€290k€842k▲
Accrued charges and deferred income492/3€260-
Income statement
Code20222025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€84k▲
Other operating charges640/8€5k€14k▲
Non-recurring operating charges66A-€6
Gross operating margin9900€91k€140k▲
Operating profit (loss)9901€29k€42k▲
Financial charges65/66B€18k€30k▲
Recurring financial charges65€18k€30k▲
Profit (loss) for the period before taxes9903€10k€12k▲
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€7k€11k▲
Profit (loss) for the period to be appropriated9905€7k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€255k€237k▼
Profit (loss) brought forward from the previous period14P€248k€227k▼
Transfer to equity691/2-€11k
To other reserves6921-€11k
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
08-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 39 days late
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €7k ▼76.4%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
31-12
Financial
Highest result since 2018net €31k ▲136%
Operating result €55k, net result €31k, both a record.
21-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 143 days late
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 114 days late
2018
23-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 115 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 119 days late
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 66 days late
2015
29-09
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 60 days late
2014
22-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 53 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Profondeville · 1 establishment unit since 2003
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.
Sart à Soile(RV) 275170 ProfondevilleGround area
3,837 m²
Building footprint
569 m²
Volume, LiDAR
422 m³
2 parcels, Wallonia · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue des Tourterelles, Godinne 9, 5530 Yvoir
since 20032.131.773.453
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91113A0443/00N003 | Wallonia | 3,090 m² | 1 · 463 m² | - |
| 91056A0078/00W020 | Wallonia | 747 m² | 1 · 106 m² | 5.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
CASTAURI
BE 0772.565.408
Lievegem · Eq €474k
KLEIN KASTEEL
BE 0469.312.625
Dilbeek · Eq €474k
PROMENADE BUILDING
BE 0472.077.917
Bierbeek · Eq €474k
AXERIO
BE 1008.491.578
Zwevegem · Eq €473k
K.M.S.INVEST
BE 0551.980.973
Baarle-Hertog · Eq €473k
Of 9,134 companies in sector 68201 we hold annual accounts for 6,763. 5,028 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2003
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.