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IMMO BEMO

Active
Private limited companyfounded 200719 yrs activeKerkevennestraat 17, 3560 Lummen, BelgiumKBO/BCE: BE 0889.933.725
Summary

IMMO BEMO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €226,099 and a net result of -€1,702. Equity remains stable across the filed fiscal years (±0.7% per year). The computed 12-month bankruptcy probability is 1.2% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability68=
Solvency63▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14,000 at 30 days acceptable
Liquidity short (current ratio 0.15 against 0.24 in 2023; short-term debt: 2.5% and cash: 0.3% of total assets), and 62.4% of the assets are financed with debt.
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Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 19 years 0 20 y
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024
Solvency, return and age of the figures
Solvency
37.6%
Return on assets
-0.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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
not confirmed
2024
49 d late
2023
6 d early
2022
42 d early
2021
45 d late
2020
135 d late
2019
56 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 6 accounts on average 40 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 (1)
neutral · 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

History

On 8 June 2007, IMMO BEMO was incorporated.1 Total assets went from EUR 280,220 in 2018 to EUR 601,182 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€226,099▼ 0.7%
2023 · €227,801
Total assets
€601,182▼ 3.1%
2023 · €620,431
Net result
-€1,702▲ 33.8%
2023 · -€2,572
Working capital
-€12,805▲ 5.5%
2023 · -€13,544
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result-€18,910▼ 15.6%-€6,036▲ 68.1%-€2,206▲ 63.5%-€10,467▼ 375%-€5,434▲ 48.1%
Net result-€16,828▼ 16.7%-€3,190▲ 81.0%€1,210-€2,572-€1,702▲ 33.8%
Equity€232,353▲ 74.8%€229,163▼ 1.4%€230,372▲ 0.5%€227,801▼ 1.1%€226,099▼ 0.7%
Total assets€683,650▲ 115%€659,632▼ 3.5%€642,981▼ 2.5%€620,431▼ 3.5%€601,182▼ 3.1%
Debt€364,822▲ 357%€347,755▼ 4.7%€333,658▼ 4.1%€317,445▼ 4.9%€303,663▼ 4.3%
Working capital-€13,429▼ 586%-€15,644▼ 16.5%-€14,103▲ 9.9%-€13,544▲ 4.0%-€12,805▲ 5.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€20,000-€10,000€0Operating result 2020: -€18,910-€18,910Net result 2020: -€16,828-€16,828Operating result 2021: -€6,036-€6,036Net result 2021: -€3,190-€3,190Operating result 2022: -€2,206-€2,206Net result 2022: €1,210€1,210Operating result 2023: -€10,467-€10,467Net result 2023: -€2,572-€2,572Operating result 2024: -€5,434-€5,434Net result 2024: -€1,702-€1,70220202021202220232024-€15,000-€10,000-€5,000€0Operating result 2022: -€2,206-€2,210Net result 2022: €1,210€1,210Operating result 2023: -€10,467-€10,500Net result 2023: -€2,572-€2,570Operating result 2024: -€5,434-€5,430Net result 2024: -€1,702-€1,700202220232024
The operating result stays negative: a loss of €5,434 in 2024 against €10,467 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €601,182
Fixed assets €598,988 ▼ 2.8%
Current assets €2,195 ▼ 49.1%
Equity and liabilities €601,182
Equity €226,099 ▼ 0.7%
Provisions €71,420 ▼ 5.0%
Debt €303,663 ▼ 4.3%
Debt's share of the balance-sheet total falls from 51.2% to 50.5%. Equity and debt are lower.
Key figures and ratios
2024 value · change against 2023
EBITDA
€16,296▲
2023 · €11,146
Cash flow
€20,029▲
2023 · €19,041
Current ratio
0.15▼
2023 · 0.24
Debt to equity
1.34▼
2023 · 1.39
ROE
-0.8%▲
2023 · -1.1%
ROA
-0.3%▲
2023 · -0.4%
Interest coverage
374.63▲
2023 · 285.80
Debt ≤ 1 year
€15,000▼
2023 · €17,860
Debt > 1 year
€284,849▼
2023 · €297,849
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 2,688 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a small loss
0.5% went bankrupt
5.4% stopped otherwise
94% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.7%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 2,688 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet Code20232024
Assets
Total assets20/58€620,431€601,182▼
Fixed assets21/28€616,116€598,988▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€616,116€598,988▼
Land and buildings22€613,498€596,567▼
Plant, machinery and equipment23€637€1,024▲
Furniture and vehicles24€1,980€1,396▼
Current assets29/58€4,316€2,195▼
Amounts receivable within one year40/41-€287
Other amounts receivable41-€287
Cash at bank and in hand54/58€3,182€1,907▼
Deferred charges and accrued income490/1€1,134-
Equity and liabilities
Total equity and liabilities10/49€620,431€601,182▼
Equity10/15€227,801€226,099▼
Contributions10/11€118,550€118,550=
Reserves13€225,556€214,261▼
Tax-exempt reserves132€225,556€214,261▼
Profit (loss) carried forward14-€116,305-€106,712▲
Provisions and deferred taxes16€75,185€71,420▼
Deferred taxes168€75,185€71,420▼
Amounts payable17/49€317,445€303,663▼
Amounts payable after more than one year17€297,849€284,849▼
Financial debts170/4€297,500€284,500▼
Other amounts payable178/9€349€349=
Amounts payable within one year42/48€17,860€15,000▼
Current portion of amounts payable after more than one year42€15,000€15,000=
Trade debts44€2,860-
Suppliers440/4€2,860-
Accrued charges and deferred income492/3€1,736€3,813▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21,613€21,731▲
Other operating charges640/8€2,346€2,318▼
Gross operating margin9900€13,493€18,615▲
Operating profit (loss)9901-€10,467-€5,434▲
Financial income75/76B€4,492€11▼
Recurring financial income75€4,492€11▼
Financial charges65/66B€39€44▲
Recurring financial charges65€39€44▲
Profit (loss) for the period before taxes9903-€6,014-€5,467▲
Transfer from deferred taxes780€3,765€3,765=
Income taxes67/77€323-
Profit (loss) for the period9904-€2,572-€1,702▲
Transfer from tax-exempt reserves789€11,294€11,294=
Profit (loss) for the period to be appropriated9905€8,723€9,592▲
Appropriation of the result
Profit (loss) to be appropriated9906-€116,305-€106,712▲
Profit (loss) brought forward from the previous period14P-€125,027-€116,305▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14,356€22,593€21,400€21,613€21,731▲ 0.5%
Other operating charges640/8-€1,818€2,401€2,346€2,318▼ 1.2%
Gross operating margin9900-€2,933€18,375€21,595€13,493€18,615▲ 38.0%
Operating profit (loss)9901-€18,910-€6,036-€2,206-€10,467-€5,434▲ 48.1%
Financial income75/76B-€0€52€4,492€11▼ 99.8%
Recurring financial income75€32€0€52€4,492€11▼ 99.8%
Financial charges65/66B-€161€79€39€44▲ 11.5%
Recurring financial charges65€215€161€79€39€44▲ 11.5%
Profit (loss) for the period before taxes9903-€19,093-€6,197-€2,233-€6,014-€5,467▲ 9.1%
Transfer from deferred taxes780-€3,760€3,765€3,765€3,765=
Income taxes67/77-€754€323€323--
Profit (loss) for the period9904-€16,828-€3,190€1,210-€2,572-€1,702▲ 33.8%
Transfer from tax-exempt reserves789-€11,281€11,294€11,294€11,294=
Profit (loss) for the period to be appropriated9905-€10,034€8,092€12,504€8,723€9,592▲ 10.0%
Line20202021202220232024Change
Assets
Total assets20/58€683,650€659,632€642,981€620,431€601,182▼ 3.1%
Fixed assets21/28€677,242€656,444€636,970€616,116€598,988▼ 2.8%
Intangible fixed assets21€210€105€0-€0-
Tangible fixed assets22/27€677,032€656,339€636,970€616,116€598,988▼ 2.8%
Land and buildings22-€655,174€634,293€613,498€596,567▼ 2.8%
Plant, machinery and equipment23-€223€112€637€1,024▲ 60.8%
Furniture and vehicles24-€941€2,565€1,980€1,396▼ 29.5%
Current assets29/58€6,407€3,188€6,011€4,316€2,195▼ 49.1%
Amounts receivable within one year40/41-€112€120-€287-
Other amounts receivable41-€112€120-€287-
Cash at bank and in hand54/58€6,407€3,076€5,890€3,182€1,907▼ 40.0%
Deferred charges and accrued income490/1---€1,134--
Equity and liabilities
Total equity and liabilities10/49€683,650€659,632€642,981€620,431€601,182▼ 3.1%
Equity10/15€232,353€229,163€230,372€227,801€226,099▼ 0.7%
Contributions10/11-€118,550€118,550€118,550€118,550=
Reserves13€259,425€248,144€236,850€225,556€214,261▼ 5.0%
Tax-exempt reserves132-€248,144€236,850€225,556€214,261▼ 5.0%
Profit (loss) carried forward14-€145,622-€137,531-€125,027-€116,305-€106,712▲ 8.2%
Provisions and deferred taxes16€86,475€82,715€78,950€75,185€71,420▼ 5.0%
Deferred taxes168-€82,715€78,950€75,185€71,420▼ 5.0%
Amounts payable17/49€364,822€347,755€333,658€317,445€303,663▼ 4.3%
Amounts payable after more than one year17€343,491€327,500€312,700€297,849€284,849▼ 4.4%
Financial debts170/4-€327,500€312,500€297,500€284,500▼ 4.4%
Other amounts payable178/9--€200€349€349=
Amounts payable within one year42/48€19,836€18,833€20,113€17,860€15,000▼ 16.0%
Current portion of amounts payable after more than one year42-€15,000€15,000€15,000€15,000=
Trade debts44€4,836€3,833€5,113€2,860--
Suppliers440/4-€3,833€5,113€2,860--
Accrued charges and deferred income492/3-€1,422€845€1,736€3,813▲ 120%
Line20202021202220232024Change
Profit (loss) for the period9904-€16,828-€3,190€1,210-€2,572-€1,702▲ 33.8%
+ Depreciation and write-downs630€14,356€22,593€21,400€21,613€21,731▲ 0.5%
Operating cash flow (approximation)-€2,473€19,403€22,609€19,041€20,029▲ 5.2%
Investment in fixed assets (approximation)--€1,795-€1,926-€759-€4,602▼ 506%
Change in cash--€3,331€2,814-€2,709-€1,274▲ 53.0%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
18-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
25-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Back to profitnet €1,210
Net result €1,210 after 4 loss-making years.
14-09
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 45 days late
2021
13-12
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 135 days late
2020
31-12
Financial Equity above €200,000Eq €232,353 ▲74.8%
Equity rises from €132,924 to €232,353.
25-09
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
29-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
05-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
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, Lummen · 1 establishment unit since 2007
seat establishment The establishment unit on the map
Ground area
790 m²
Building footprint
126 m²
Parcel 71035A0544/00L000, Flanders. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
nvt
Kerkevennestraat 17, 3560 LummenNACE 7011101
since 20072.164.023.181
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71035A0544/00L000 Flanders 790 m² 1 · 126 m² -
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.

Identification & contact

Identification
Legal formPrivate limited company
Founded08-06-2007
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.