Debts
€613,884 88% of the balance sheet
Financial debts 84%Suppliers 0%Taxes and wages 1%Other 15%
Of this, €100,116 falls due within a year.
IMMO-BATY
Lifetime
10 annual accounts with figures on one time axispeak €76,349 (2024)
€64,584▼ 15.4%
lowest -€5,198 (2017)
€6,005▼ 77.3%
peak €82,427 (2025)
€82,427▲ 7.9%
€613,884▲ 8.7%
Board2 names since 2015
2 directorsCUROTTO Pierrot and 1 other
Documentsfilings and deeds
26-10-20255 days before the deadline
2025micro format
Gross margin from €76,349 to €64,584Result from €26,473 to €6,005Investments €91,521
Key points
from the 2025 annual accountsInvestments
€91,521 3.3 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 11.8% higher than in 2024.
Filings
10 annual accounts 11 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Checked score
84
Excellent
Financially stronger than 49% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%highest value
01-2025: 0.1%▼ -0.5 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.2%▲ +0.1 percentage points vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.1%▼ -0.1 percentage points vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025lowest value
01-2026: 0.1%● unchanged vs 12-2025lowest value
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.3%▲ +0.2 percentage points vs 09-2026
11-2026: 0.4%▲ +0.1 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Figures for financial year 2025 (filed on 29-10-2025)
Equity €82,427 (11.8% of total assets)
lowers risk
Size: total assets €696,311
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 33% of them on solvency, 61% on liquidity, 41% on profitability and 63% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 4,107 companies had the same profile as IMMO-BATY has now. Each dot stands for 11 companies, two years later.
97.9%
were still trading
0.9%
stopped another way
1.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of IMMO-BATY itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 4,107 companies, not a prediction for IMMO-BATY. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.32 (0.48 in 2024), below 1. Short-term debt is 14.4% and cash 4.2% of total assets. 88.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-10-2025, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
5 days early
2024
29 days late
2023
1 day early
2022
4 days early
2021
12 days early
2020
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 1 day after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (1)
Board and ownership
CP
CUROTTO Pierrot
Director, since 19-05-2015
LG
LENGELE Graziella
Director, since 19-05-2015
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0630697364
Incorporation
published on 21-05-2015 · Gazette deed
First establishment
Rue du Baty-Driane 532, Andenne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IMMO-BATY Andenne | €696,311 | €64,584 | 11.8% | - |
| FLORIMONT Gembloux | €715,614 | €68,007 | 35.4% | - |
| WIDIMAC Florennes | €725,361 | €74,391 | 31.9% | - |
| HALL.IMMO.LOCATION Assesse | €658,660 | €75,972 | 39.6% | - |
| MAJOO Lasne | €678,647 | €64,342 | -4.6% | - |
| ZOLEMA Dilsen-Stokkem | €653,975 | €57,681 | 5.2% | - |
| M GROUP INVEST Waterloo | €637,768 | €70,146 | 8.3% | 1 |
These companies have the same main activity as IMMO-BATY: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €638,000 and €725,000, founded between 2014 and 2015.
Official details
Source: KBO- Status
- Active since 19-05-2015Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.242.634.0605300 Andenne, since 19-05-2015
- Financial year end
- 31 March
- Peppol
- Reachable since 19-08-2025
Insights on IMMO-BATY
IMMO-BATY files the micro format. That format states no turnover. The gross margin rose from -€143 in 2016 to €64,584 in 2025.
The balance sheet grew most from 2018 to 2020 through fixed assets, financed with long-term debt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about IMMO-BATY
- What is the company number of IMMO-BATY?
- The company number of IMMO-BATY is 0630.697.364. The VAT number is the same number with BE in front: BE 0630.697.364.
- Where is IMMO-BATY based?
- The registered office is at Rue du Baty-Driane 532, 5300 Andenne.Company details
- What does IMMO-BATY do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of IMMO-BATY?
- IMMO-BATY is a private limited company (pre-2019) (BVBA).
- When was IMMO-BATY founded?
- IMMO-BATY was founded on 19-05-2015.
- Is IMMO-BATY still active?
- Yes, IMMO-BATY is an active enterprise in the KBO register.
- What is the turnover of IMMO-BATY?
- The turnover in financial year 2025 is ≈ €83,000. This figure is estimated from the gross margin of €64,584 and 45 comparable companies (NACE 682). It probably lies between €72,000 and €110,000.Financials
- Is IMMO-BATY profitable?
- In financial year 2025, IMMO-BATY made a profit of €6,005.
- Where can I find the annual accounts of IMMO-BATY?
- IMMO-BATY filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.