IMMO B & H
ActiveSummary
IMMO B & H has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €964k and a net result of €-10k. Equity is growing by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (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 = 2024
Profitability73▲+11
Solvency50▲+3
Growth35=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity short (current ratio 0.75 against 1.51 in 2024; short-term debt: 75.4% and cash: 5.8% of total assets), and 75.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six 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
24.6%
Return on assets
-0.2%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
59 d early
2023
30 d late
2022
1 d late
2021
82 d early
2020
30 d early
2019
34 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€104k▼ 2.3%
2024 · €106k
2018: €2.93M
2019: €5.34M
2021: €1.35M
2023: €1.77M
2024: €106k
2018 → 2025
EBIT margin
122.4%▼ 191.8pp
2024 · 314.3%
2018: 12.2%
2019: 8.2%
2021: 10.7%
2023: 1.5%
2024: 314.3%
2018 → 2025
Net result
€-10k
2024 · €26k
2018: €187k
2019: €98k
2020: €358k
2021: €582k
2022: €-105k
2023: €83k
2024: €26k
2018 → 2025
Working capital
€-745k
2024 · €682k
2018: €2.63M
2019: €-1.33M
2020: €-870k
2021: €-1.69M
2022: €-1.00M
2023: €213k
2024: €682k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.35M-€1.77M€106k▼ 94.0%€104k▼ 2.3%
Equity€970k-€865k▼ 10.8%€948k▲ 9.6%€974k▲ 2.8%€964k▼ 1.0%
Operating result€144k-€-85k€27k€334k▲ 1,134%€127k▼ 62.0%
Net result€582k-€-105k€83k€26k▼ 68.6%€-10k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.93M
Fixed assets
€1.71M ▼ 28.5%
Current assets
€2.22M ▲ 10.2%
Equity and liabilities €3.93M
Equity
€964k ▼ 1.0%
Debt
€2.96M ▼ 13.6%
Debt's share of the balance-sheet total falls from 77.9% to 75.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€673k▼
2024 · €897k
Cash flow
€536k▼
2024 · €589k
Current ratio
0.75▼
2024 · 1.51
Quick ratio
0.11▲
2024 · 0.08
Debt to equity
3.07▼
2024 · 3.52
ROE
-1.0%▼
2024 · 2.7%
ROA
-0.2%▼
2024 · 0.6%
Interest coverage
4.89▲
2024 · 2.85
Debt ≤ 1 year
€2.96M▲
2024 · €1.33M
Income taxes
€595▲
2024 · €87
Staff costs
€672▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.40M€3.93M▼
Fixed assets21/28€2.39M€1.71M▼
Intangible fixed assets21€2.16M€1.62M▼
Tangible fixed assets22/27€219k€76k▼
Land and buildings22€133k€75k▼
Plant, machinery and equipment23€1k€782▼
Furniture and vehicles24€85k€0▼
Financial fixed assets28€15k€15k=
Current assets29/58€2.01M€2.22M▲
Stocks and contracts in progress3€1.91M€1.88M▼
Stocks30/36€1.91M€1.88M▼
Amounts receivable within one year40/41€101k€108k▲
Trade receivables40€0-
Other amounts receivable41€101k€108k▲
Cash at bank and in hand54/58€967€227k▲
Deferred charges and accrued income490/1€0€339▲
Equity and liabilities
Total equity and liabilities10/49€4.40M€3.93M▼
Equity10/15€974k€964k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€738k€738k=
Non-distributable reserves130/1€6k€236k▲
Legal reserve130€6k€236k▲
Tax-exempt reserves132€502k€223k▼
Distributable reserves133€230k€279k▲
Profit (loss) carried forward14€174k€164k▼
Amounts payable17/49€3.43M€2.96M▼
Amounts payable after more than one year17€2.10M-
Financial debts170/4€2.10M-
Amounts payable within one year42/48€1.33M€2.96M▲
Financial debts43€1.27M-
Credit institutions430/8€1.25M-
Other loans439€25k-
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€52k€195▼
Taxes450/3€51k€195▼
Remuneration and social security454/9€1k-
Other amounts payable47/48-€2.96M
Income statement
Code20242025
Turnover70€106k€104k▼
Goods, raw materials, services and sundry goods60/61€273k€164k▼
Remuneration, social security and pensions62€1k€672▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€563k€546k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€50k
Other operating charges640/8€14k€6k▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€912k€739k▼
Operating profit (loss)9901€334k€127k▼
Financial income75/76B€7k€1k▼
Recurring financial income75€7k€1k▼
Financial charges65/66B€315k€138k▼
Recurring financial charges65€315k€138k▼
Profit (loss) for the period before taxes9903€26k€-9k▼
Income taxes67/77€87€595▲
Profit (loss) for the period9904€26k€-10k▼
Transfer from tax-exempt reserves789-€274k
Profit (loss) for the period to be appropriated9905€26k€264k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€438k▲
Profit (loss) brought forward from the previous period14P€148k€174k▲
Transfer to equity691/2-€274k
To other reserves6921-€274k
The notes to these accounts (12 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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €83k
Net result €83k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
31-12
Financial
Weakest financial yearnet €-105k ▼118%
Net result drops to €-105k, the lowest in the series; recovery starts the following year.
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €582k ▲62.5%
Net result €582k, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Elsene · 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.
de Stassartstraat 1311050 ElseneGround area
356 m²
Building footprint
353 m²
Volume, LiDAR
6,193 m³
2 parcels, Brussels · tallest building 21.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Ridderschapslaan 2, 1000 Brussel
since 20032.131.817.401
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0361/00S007 | Brussels | 291 m² | 1 · 294 m² | 21.1 m · 7 fl. |
| 21806F0334/00M003 | Brussels | 65 m² | 1 · 60 m² | 17.6 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450049B81CCADV4E09
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,265 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:immobh@skynet.be
Phone:02/733.01.16