IMMO BIANCO
ActiveIMMO BIANCO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. 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 computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+2
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 10.67 against 8.2 in 2023; short-term debt: 2.2% and cash: 4.4% of total assets), and 7.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
92.2%
Return on assets
1.4%
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 30-09-2025, 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 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
142 d late
2022
60 d late
2021
145 d late
2020
153 d late
2019
101 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€2.96M▲ 1.0%
2023 · €2.93M
2018: €320k
2019: €346k
2020: €362k
2021: €882k
2022: €2.93M
2023: €2.93M
2018 → 2024
Total assets
€3.21M▼ 0.9%
2023 · €3.23M
2018: €397k
2019: €457k
2020: €473k
2021: €1.15M
2022: €3.28M
2023: €3.23M
2018 → 2024
Net result
€45k▲ 272%
2023 · €12k
2018: €38k
2019: €41k
2020: €32k
2021: €536k
2022: €-25k
2023: €12k
2018 → 2024
Working capital
€674k▼ 16.3%
2023 · €806k
2018: €-39k
2019: €49k
2020: €82k
2021: €945k
2022: €807k
2023: €806k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€362k-€882k▲ 144%€2.93M▲ 232%€2.93M▼ 0.1%€2.96M▲ 1.0%
Operating result€29k-€706k▲ 2,324%€-31k€9k€36k▲ 278%
Net result€32k-€536k▲ 1,563%€-25k€12k€45k▲ 272%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 278% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.21M
Fixed assets
€2.46M▲ 6.2%
Current assets
€744k▼ 18.9%
Equity and liabilities €3.21M
Equity
€2.96M▲ 1.0%
Provisions
€168k=
Debt
€81k▼ 42.0%
The debt ratio falls from 4.3% to 2.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€71k▲
2023 · €33k
Cash flow
€80k▲
2023 · €35k
Solvency
92.2%▲
2023 · 90.5%
Current ratio
10.67▲
2023 · 8.20
Quick ratio
10.67▲
2023 · 8.20
Debt / equity
0.03▼
2023 · 0.05
ROE
1.5%▲
2023 · 0.4%
ROA
1.4%▲
2023 · 0.4%
Interest coverage
23.77▲
2023 · 6.47
Debt
€81k▼
2023 · €140k
Debt ≤ 1 year
€70k▼
2023 · €112k
Debt > 1 year
€12k▼
2023 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.23M€3.21M▼
Fixed assets21/28€2.32M€2.46M▲
Tangible fixed assets22/27€2.32M€2.46M▲
Land and buildings22€2.31M€2.45M▲
Furniture and vehicles24€6k€7k▲
Current assets29/58€917k€744k▼
Amounts receivable after more than one year29€300k€352k▲
Other amounts receivable291€300k€352k▲
Amounts receivable within one year40/41€151k€248k▲
Trade receivables40€12k-
Other amounts receivable41€139k€248k▲
Cash at bank and in hand54/58€466k€141k▼
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€3.23M€3.21M▼
Equity10/15€2.93M€2.96M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€2.17M€2.17M=
Reserves13€698k€698k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€670k€670k=
Distributable reserves133€22k€22k=
Profit (loss) carried forward14€-331€29k▲
Provisions and deferred taxes16€168k€168k=
Deferred taxes168€168k€168k=
Amounts payable17/49€140k€81k▼
Amounts payable after more than one year17€28k€12k▼
Financial debts170/4€27k€10k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€112k€70k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Trade debts44€19k€6k▼
Suppliers440/4€19k€6k▼
Taxes, remuneration and social security45€30k€30k=
Taxes450/3€30k€30k=
Other amounts payable47/48€47k€17k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€35k▲
Other operating charges640/8€10k€11k▲
Gross operating margin9900€43k€82k▲
Operating profit (loss)9901€9k€36k▲
Financial income75/76B€8k€12k▲
Recurring financial income75€8k€12k▲
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€12k€45k▲
Profit (loss) for the period9904€12k€45k▲
Profit (loss) for the period to be appropriated9905€12k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€45k▲
Profit (loss) brought forward from the previous period14P€4k€-331▼
Profit to be distributed694/7€16k€16k=
Directors or managers695€16k€16k=
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 142 days late
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet €-25k ▼105%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €2.93M ▲232%
Equity rises from €882k to €2.93M.
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 145 days late
2021
31-12
Financial
Highest result since 2018net €536k ▲1563%
Operating result €706k, net result €536k, both a record.
31-12
Financial
Liquidity times 8current ratio 22.04
Current ratio from 2.71 to 22.04; short-term debt falls from €48k to €45k.
31-12
Financial
Equity above €500kEq €882k ▲144%
4 profitable years in a row build equity to €882k.
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 1.85
Current ratio from 0.49 to 1.85; short-term debt falls from €77k to €57k.
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 142 days late
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 142 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
07-07-2022
Resigned as Director
05-02-2016
Resigned as Director
Location & real-estate footprint
Registered office, Sint-Pieters-Woluwe · 1 establishment unit since 1993
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.
Prins Boudewijnlaan 121150 Sint-Pieters-WoluweGround area
640 m²
Building footprint
140 m²
Volume, LiDAR
933 m³
Parcel 21682C0180/00G009, Brussels · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Prins Boudewijnlaan 12, 1150 Sint-Pieters-Woluwe
since 19932.060.965.433
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21682C0180/00G009 | Brussels | 640 m² | 1 · 140 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-07-1991
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.