Checked.be
Active
BE 0444.725.796Public limited company
IMMO BIANCO
Prins Boudewijnlaan 12 ·1150 Sint-Pieters-Woluwe, Belgium· 35 yrs active
Conclusion
The computed 12-month bankruptcy probability of IMMO BIANCO is 0.9% (low). The 2024 annual accounts show equity of €2.96M and a net result of €45k. Equity is growing by ~55.7% per year across the filed fiscal years. The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Key figures
| Equity | €2.96M |
| Net result | €45k |
| Active | 35 yrs |
| Board | 3 |
Snowflake analysis
71
/ 100
Strong profile, led by solvency.
Health
94
Profitability
8
Solvency
100
Growth
52
Stability
100
Bankruptcy probability (12 mo)
0.9%
Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered
+Higher-failure-rate region
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1991, 35 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags
No administrative flags
Health barometer
94
/ 100
Excellent
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-09-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~55.7%/year over 7 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
€71k
+118.1%
18-24
€45k
+272.1%
18-24
€80k
+128.3%
18-24
€3.21M
-0.9%
18-24
€2.96M
+1.0%
18-24
€674k
-16.3%
18-24
€-6k
-
18-24
€100k
-
18-24
€81k
-42.0%
18-24
€70k
-37.7%
18-24
€12k
-59.0%
18-24
10.67
+30.1%
18-24
10.67
+30.1%
18-24
92.2%
+1.9%
18-24
0.03
-42.5%
18-24
1.5%
+268.4%
18-24
1.4%
+275.5%
18-24
23.77
+267.2%
18-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Revenue | - |
| EBITDA | €71k |
| Net profit | €45k |
| Cash flow | €80k |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €3.21M |
| Equity | €2.96M |
| Debt | €81k |
| of which ≤ 1y | €70k |
| of which > 1y | €12k |
| Working capital | €674k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 10.67 |
| Quick ratio | 10.67 |
| Working capital ratio | 21.0% |
| Solvency | 92.2% |
| Debt / equity | 0.03 |
| Long-term debt ratio | 0.00 |
| Interest coverage | 23.77 |
| Gross margin | - |
| Net margin | - |
| ROA | 1.4% |
| ROE | 1.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €3.21M |
| Fixed assets | 21/28 | €2.46M |
| Tangible fixed assets | 22/27 | €2.46M |
| Current assets | 29/58 | €744k |
| Amounts receivable within one year | 40/41 | €248k |
| Cash & bank | 54/58 | €141k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €3.21M |
| Equity | 10/15 | €2.96M |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €698k |
| Accumulated profits (losses) | 14 | €29k |
| Provisions & deferred taxes | 16 | €168k |
| Amounts payable | 17/49 | €81k |
| Amounts payable after one year | 17 | €12k |
| Amounts payable within one year | 42/48 | €70k |
| Trade debts payable within one year | 44 | €6k |
| Income statement | ||
| Gross operating margin | 9900 | €82k |
| Operating result | 9901 | €36k |
| Financial income | 75 | €12k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €45k |
| Net result for the period | 9904 | €45k |
| Result to be appropriated | 9905 | €45k |
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan.
See plans →
Ratios computed by Checked.
Directors & mandates
Directors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (25145569). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current27-10-2025 → present
-
Current27-10-2025 → present
-
Current21-09-2009 → present
5 events
- 17-11-2025 Mandate renewed· Director
- 05-11-2025 Mandate renewed· Director
- 05-02-2016 Appointed· Managing director
- 05-02-2016 Mandate renewed· Director
- 21-09-2009 Mandate renewed· Director
Former directors (1)
-
Former21-09-2009 → 07-07-2022
5 events
- 07-07-2022 Resigned· Director
- 05-02-2016 Resigned· Director
- 05-02-2016 Mandate renewed· Director
- 08-11-2011 Appointed· Managing director
- 21-09-2009 Mandate renewed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
| NACE primary | - |
| Legal form | Public limited company(014) |
| Incorporation | 05-07-1991 |
| Status | Active |
| Postal code | 1150 |
Establishment units
Prins Boudewijnlaan 12, 1150 Sint-Pieters-Woluwe
since 19932.060.965.433
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0180/00G009 | Brussels | 640 m² | 1 · 140 m² | 10.0 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
17-11-2025
State Gazette act
Director changes
05-11-2025
State Gazette act
Director changes
30-09-2025
NBB filing
Annual accounts filed
2024
20-12-2024
NBB filing
Annual accounts filed
2023
29-09-2023
NBB filing
Annual accounts filed
2022
23-12-2022
NBB filing
Annual accounts filed
2021
31-12-2021
NBB filing
Annual accounts filed
2020
09-11-2020
NBB filing
Annual accounts filed
2019
20-12-2019
NBB filing
Annual accounts filed
2018
20-12-2018
NBB filing
Annual accounts filed
2017
25-09-2017
NBB filing
Annual accounts filed
2016
30-09-2016
NBB filing
Annual accounts filed
25-02-2016
State Gazette act
Director changes
2013
24-01-2013
State Gazette act
Statutes amendment
2012
24-12-2012
State Gazette act
Statutes amendment
2009
21-09-2009
State Gazette act
Director changes
Belgisch Staatsblad, acts
All acts · 6
updated 8 months ago
2025
17-11-2025 2 directors appointed, 1 resigning, 1 reappointed
- Mattia FABBRO, Bestuurder
- Andrea FABBRO, Bestuurder
- Anna BIANCO, Bestuurder
- Nunzia CAPURSI, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Nunzia CAPURSI",
"address": null,
"birth_date": null
},
"evidence_quote": "Approbation du renouvellement de mandat au poste d\u0027administratrice et au poste d\u0027administratrice-d\u00E9l\u00E9gu\u00E9e pour une dur\u00E9e de 6 ans de Madame Nunzia Capursi en date du 5 f\u00E9vrier 2022."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Anna BIANCO",
"address": null,
"birth_date": null
},
"effective_date": "2022-07-07",
"evidence_quote": "Approbation de la d\u00E9mission de Madame Anna Bianco, domicili\u00E9e Petite Rue au beurre 12 \u00E0 1000 Bruxelles, au poste d\u0027administratrice \u00E0 partir du 7 juillet 2022"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Mattia FABBRO",
"address": null,
"birth_date": null
},
"effective_date": "2025-10-27",
"evidence_quote": "Approbation de la nomination de Monsieur Fabbro Mattia, domicili\u00E9 Avenue Prince Baudouin 12 \u00E0 1150 Bruxelles, au poste d\u0027administrateur \u00E0 partir du 27 octobre 2025 pour une dur\u00E9e de 6 ans."
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Andrea FABBRO",
"address": null,
"birth_date": null
},
"effective_date": "2025-10-27",
"evidence_quote": "Approbation de la nomination de Monsieur Fabbro Andrea, domicili\u00E9 Avenue Prince Baudouin 12 \u00E0 1150 Bruxelles, au poste d\u0027administrateur \u00E0 partir du 27 octobre 2025 pour une dur\u00E9e de 6 ans."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
}
}05-11-2025 2 directors appointed, 1 resigning, 1 reappointed
- Mattia FABBRO, Bestuurder
- Andrea FABBRO, Bestuurder
- Anna BIANCO, Bestuurder
- Nunzia CAPURSI, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Nunzia CAPURSI",
"address": null,
"birth_date": null
},
"evidence_quote": "Approbation du renouvellement de mandat au poste d\u0027administratrice et au poste d\u0027administratrice-d\u00E9l\u00E9gu\u00E9e pour une dur\u00E9e de 6 ans de Madame Nunzia Capursi en date du 5 f\u00E9vrier 2022."
},
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Anna BIANCO",
"address": null,
"birth_date": null
},
"effective_date": "2022-07-07",
"evidence_quote": "Approbation de la d\u00E9mission de Madame Anna. Bianco, domicili\u00E9e Petite Rue au beurre 12 \u00E0 1000 Bruxelles, au poste d\u0027administratrice \u00E0 partir du 7 juillet 2022"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Mattia FABBRO",
"address": null,
"birth_date": null
},
"effective_date": "2025-10-27",
"evidence_quote": "Approbation de la nomination de Monsieur Fabbro Mattia, domicili\u00E9 Avenue Prince Baudouin 12 \u00E0 1150 Bruxelles, au poste d\u0027administrateur \u00E0 partir du 27 octobre 2025 pour une dur\u00E9e de 6 ans."
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Andrea FABBRO",
"address": null,
"birth_date": null
},
"effective_date": "2025-10-27",
"evidence_quote": "Approbation de la nomination de Monsieur Fabbro Andrea, domicili\u00E9 Avenue Prince Baudouin 12 \u00E0 1150 Bruxelles, au poste d\u0027administrateur \u00E0 partir du 27 octobre 2025 pour une dur\u00E9e de 6 ans."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
}
}2016
25-02-2016 1 director appointed, 1 resigning, 2 reappointed
- Nunzia CAPURSI, Gedelegeerd bestuurder
- Anna BIANCO, Bestuurder
- Anna BIANCO, Bestuurder
- Nunzia CAPURSI, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_out",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Anna BIANCO",
"address": null,
"birth_date": null
},
"effective_date": "2016-02-05",
"evidence_quote": "Le Conseil d\u0027Administration, tenu le 5 f\u00E9vrier 2016, constate la d\u00E9mission de Madame Ar\u0131na BIANCO en qualit\u00E9 d\u0027administrateur-d\u00E9l\u00E9gu\u00E9, elle reste n\u00E9anmoins administrateur."
},
{
"kind": "director_in",
"role": "gedelegeerd_bestuurder",
"person": {
"rrn": null,
"name": "Nunzia CAPURSI",
"address": null,
"birth_date": null
},
"effective_date": "2016-02-05",
"evidence_quote": "Le Conseil d\u0027Administration d\u00E9cide de nommer Madame Nunzia CAPURSI en qualit\u00E9 d\u0027administrateur-d\u00E9l\u00E9gu\u00E9."
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Anna BIANCO",
"address": null,
"birth_date": null
},
"effective_date": "2016-02-05",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale, tenue le 5 f\u00E9vrier 2016, reconduit d\u00E8s \u00E0 pr\u00E9sent aux fonctions d\u0027administrateurs, pour une dur\u00E9e de six ans, \u00E0 compter de ce jour, Madame Anna BIANCO et Madame Nunzia CAPURSI."
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Nunzia CAPURSI",
"address": null,
"birth_date": null
},
"effective_date": "2016-02-05",
"evidence_quote": "L\u0027assembl\u00E9e g\u00E9n\u00E9rale, tenue le 5 f\u00E9vrier 2016, reconduit d\u00E8s \u00E0 pr\u00E9sent aux fonctions d\u0027administrateurs, pour une dur\u00E9e de six ans, \u00E0 compter de ce jour, Madame Anna BIANCO et Madame Nunzia CAPURSI."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
}
}2013
24-01-2013 Articles of association amended
Summary:
v3.2
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": false,
"object_change": false,
"effective_date": "2013-01-19",
"legal_form_change": false
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
},
"signature_regime": "joint_two",
"special_mandates": [],
"governance_change": {
"admin_delegated_added": []
}
}2012
24-12-2012 Articles of association amended
Summary:
v3.2
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": false,
"object_change": false,
"effective_date": "2011-11-08",
"legal_form_change": false
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
},
"signature_regime": null,
"special_mandates": [],
"governance_change": {
"admin_delegated_added": [
{
"name": "Anna BIANCO",
"quote": "Anna BIANCO\nAdm\u00EDnistrateur-d\u00E9l\u00E9gu\u00E9",
"excluded_powers": null
}
]
}
}2009
21-09-2009 2 reappointed
- Anna Bianco, Bestuurder
- Nunzia Capursi, Bestuurder
Summary:
v3.2
Technical details
{
"events": [
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Anna Bianco",
"address": null,
"birth_date": null
},
"evidence_quote": "Il r\u00E9sulte du proc\u00E8s- verbal de l\u0027assembl\u00E9e g\u00E9n\u00E9rale tenue le 12 juin 2009 que l\u0027assembl\u00E9e a accept\u00E9 de renommer en leur qualit\u00E9 d\u0027administrateur pour une p\u00E9riode de six ans jusqu\u0027\u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale de 2015: Madame Anna Bianco, demeurant \u00E0 1150 Woluw\u00E9-Saint-Pierre, Avenue Prince Baudouin 12"
},
{
"kind": "director_renew",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Nunzia Capursi",
"address": null,
"birth_date": null
},
"evidence_quote": "Il r\u00E9sulte du proc\u00E8s- verbal de l\u0027assembl\u00E9e g\u00E9n\u00E9rale tenue le 12 juin 2009 que l\u0027assembl\u00E9e a accept\u00E9 de renommer en leur qualit\u00E9 d\u0027administrateur pour une p\u00E9riode de six ans jusqu\u0027\u00E0 l\u0027assembl\u00E9e g\u00E9n\u00E9rale de 2015: Madame Nunzia Capursi, demeurant \u00E0 1150 Woluw\u00E9-Saint-Pierre, Avenue Prince Baudouin 12."
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0444.725.796",
"name_full": "IMMO BIANCO",
"legal_form": "SA"
}
}Credit advice
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Company registry (CBE)
Names & trade names
| Legal nameFR | IMMO BIANCO |
Registered office
Prins Boudewijnlaan 12
1150 Sint-Pieters-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.