Immo B.M.

Active

Public limited companyfounded 198838 yrs activeHouwaartstraat(LIN) 112, 3210 Lubbeek, BelgiumKBO/BCE: BE 0434.625.425

Summary

Immo B.M. has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22,881 and a net result of -€7,624. Equity is shrinking by ~14.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch Report Compare

Immo B.M.ActiveChecked score 79/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€260,884total assets 2025

Equity: €22,881
Loss: -€7,624

Turnover not published (abridged schema)

Financial health

79 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.5%

Structure

Accounts filed 61 d late0 of 5 deeds read

Why 79- Latest accounts 61 days late; 2 of the last 3 late- Loss of €7,624 (FY 2025)+ Size: total assets €260,884+ Founded in 1988Show the evidence

Checked score

Score 2025

79 / 100

Excellent

Probability in this band: under 0.55%

Better than 34% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 34-3

equity 8.8% of total assets

Liquidity 92-3

short-term debt 2.6% · cash 33.8%

Profitability 22-14

return on assets -2.9%

Bankruptcy probability, 12 months

0.5% Low

0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -1.9% vs 12-2024 02-2025: 0.2%▲ +1.0% vs 01-2025 03-2025: 0.2%▼ -1.9% vs 02-2025 04-2025: 0.2%▲ +1.4% vs 03-2025 05-2025: 0.2%▼ -1.4% vs 04-2025 06-2025: 0.2%▲ +11.5% vs 05-2025 07-2025: 0.3%▲ +25.9% vs 06-2025 08-2025: 0.4%▲ +48.6% vs 07-2025 09-2025: 0.1%▼ -73.3% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.7% vs 12-2025lowest value 02-2026: 0.1%▲ +0.9% vs 01-2026 03-2026: 0.1%▼ -0.9% vs 02-2026lowest value 04-2026: 0.1%▲ +1.8% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +11.2% vs 05-2026 07-2026: 0.2%▲ +18.6% vs 06-2026 08-2026: 0.3%▲ +92.8% vs 07-2026 09-2026: 0.4%▲ +24.1% vs 08-2026 10-2026: 0.5%▲ +47.5% vs 09-2026highest value

Size: total assets €260,884 lowers the probability for this profile
Latest accounts 61 days late; 2 of the last 3 late raises the probability
Loss of €7,624 (FY 2025) raises the probability
Founded in 1988 lowers the probability for this profile

Credit up to €1,500 at 30 days acceptable

Liquidity ample (current ratio 28.5 against 28.98 in 2024; short-term debt: 2.6% and cash: 33.8% of total assets), but 91.2% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 22%, liquidity 83%, profitability 18%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €260,884

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts 61 days late; 2 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Loss of €7,624 (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 1988

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 filings

Deviation from the deadline

2025

61 d late

2024

on the day

2023

37 d late

2022

23 d late

2021

40 d late

2020

44 d late

2019

46 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 36 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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 7 September (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Position in the running window

03-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage