IMMO BM
ActiveSummary
IMMO BM has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €549,590 and a net result of €540,992. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 77% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+63
Solvency92▲+67
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 3.06 against 1.0 in 2024; short-term debt: 32.7% and cash: 63.4% of total assets), and 33% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
67%
Return on assets
66%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €549,590
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 7 filingsDeviation from the deadline
2025
48 d late
2024
138 d late
2023
18 d late
2022
25 d late
2021
23 d late
2020
25 d late
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · 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.
Companies Code · seven monthsPosition in the running window
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€549,590▲ 6,292%
2024 · €8,598
Total assets
€820,115▼ 80.7%
2024 · €4.2m
Net result
€540,992
2024 · -€124
Working capital
€552,244▲ 6,323%
2024 · €8,598
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
Line20212022202320242025
Operating result-€716▼ 211%-€101▲ 86.0%€1,137-€124€806,805
Net result-€716▼ 211%-€149▲ 79.2%€1,137-€124€540,992
Equity€7,735▼ 8.5%€7,585▼ 1.9%€8,722▲ 15.0%€8,598▼ 1.4%€549,590▲ 6,292%
Total assets€3.2m▲ 128%€3.8m▲ 19.4%€4.3m▲ 12.3%€4.2m=€820,115▼ 80.7%
Debt€3.2m▲ 129%€3.8m▲ 19.4%€4.2m▲ 12.3%€4.2m=€267,871▼ 93.7%
Working capital€6,991▼ 9.3%€7,585▲ 8.5%€8,722▲ 15.0%€8,598▼ 1.4%€552,244▲ 6,323%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €806,805 after a loss of €124 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €820,115
Equity
€549,590 ▲ 6,292%
Provisions
€2,654
Debt
€267,871 ▼ 93.7%
Debt's share of the balance-sheet total falls from 99.8% to 32.7%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
3.06▲
2024 · 1.00
Debt to equity
0.49
ROE
98.4%▲
2024 · -1.4%
ROA
66.0%▲
2024 · 0.0%
Debt ≤ 1 year
€267,871▼
2024 · €4.2m
Income taxes
€265,813
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €949 | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | - | €2,654 | - |
| Other operating charges640/8 | - | - | - | - | €100 | - |
| Gross operating margin9900 | -€716 | -€101 | €1,137 | -€124 | €810,508 | ▲ 655,267% |
| Operating profit (loss)9901 | -€716 | -€101 | €1,137 | -€124 | €806,805 | ▲ 652,274% |
| Financial income75/76B | €0 | €0 | - | - | €0 | - |
| Recurring financial income75 | €0 | €0 | - | - | €0 | - |
| Financial charges65/66B | €0 | €49 | - | - | - | - |
| Recurring financial charges65 | €0 | €49 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€716 | -€149 | €1,137 | -€124 | €806,805 | ▲ 652,274% |
| Income taxes67/77 | - | - | - | - | €265,813 | - |
| Profit (loss) for the period9904 | -€716 | -€149 | €1,137 | -€124 | €540,992 | ▲ 437,406% |
| Profit (loss) for the period to be appropriated9905 | -€716 | -€149 | €1,137 | -€124 | €540,992 | ▲ 437,406% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.2m | €3.8m | €4.3m | €4.2m | €820,115 | ▼ 80.7% |
| Fixed assets21/28 | €744 | - | - | - | - | - |
| Financial fixed assets28 | €744 | - | - | - | - | - |
| Current assets29/58 | €3.2m | €3.8m | €4.3m | €4.2m | €820,115 | ▼ 80.7% |
| Stocks and contracts in progress3 | €2.9m | €3.7m | €3.7m | €3.7m | €0 | ▼ 100% |
| Stocks30/36 | €2.9m | €3.7m | €3.7m | €3.7m | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | - | €949 | €949 | €301,447 | €300,541 | ▼ 0.3% |
| Trade receivables40 | - | €949 | €949 | €949 | €0 | ▼ 100% |
| Other amounts receivable41 | - | - | - | €300,498 | €300,541 | = |
| Cash at bank and in hand54/58 | €289,620 | €129,076 | €565,711 | €238,089 | €519,574 | ▲ 118% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.2m | €3.8m | €4.3m | €4.2m | €820,115 | ▼ 80.7% |
| Equity10/15 | €7,735 | €7,585 | €8,722 | €8,598 | €549,590 | ▲ 6,292% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | - | - | - | - | €530,990 | - |
| Distributable reserves133 | - | - | - | - | €530,990 | - |
| Profit (loss) carried forward14 | -€10,866 | -€11,015 | -€9,878 | -€10,002 | €0 | ▲ 100% |
| Provisions and deferred taxes16 | - | - | - | - | €2,654 | - |
| Provisions for liabilities and charges160/5 | - | - | - | - | €2,654 | - |
| Other liabilities and charges164/5 | - | - | - | - | €2,654 | - |
| Amounts payable17/49 | €3.2m | €3.8m | €4.2m | €4.2m | €267,871 | ▼ 93.7% |
| Amounts payable within one year42/48 | €3.2m | €3.8m | €4.2m | €4.2m | €267,871 | ▼ 93.7% |
| Financial debts43 | €1.1m | - | - | - | - | - |
| Credit institutions430/8 | €1.1m | - | - | - | - | - |
| Trade debts44 | €2,609 | €5,946 | €3,894 | €4,092 | €1,951 | ▼ 52.3% |
| Suppliers440/4 | €2,609 | €5,946 | €3,894 | €4,092 | €1,951 | ▼ 52.3% |
| Advances received on contracts in progress46 | €1.2m | €3.3m | €4.2m | €4.2m | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | €208,085 | €37,379 | €430 | €0 | €265,813 | - |
| Taxes450/3 | €208,085 | €37,379 | €430 | €0 | €265,813 | - |
| Other amounts payable47/48 | €712,107 | €462,107 | €107 | €107 | €107 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€716 | -€149 | €1,137 | -€124 | €540,992 | ▲ 437,406% |
| Operating cash flow (approximation) | -€716 | -€149 | €1,137 | -€124 | €540,992 | ▲ 437,406% |
| Change in cash | - | -€160,544 | €436,635 | -€327,622 | €281,485 | ▲ 186% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 48 days late
2025
31-12
Financial
Back to profitnet €540,992
Net result €540,992 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.06
Current ratio from 1.00 to 3.06; short-term debt falls from €4.2m to €267,871.
31-12
Financial
Equity above €500,000Eq €549,590 ▲6,292%
Equity rises from €8,598 to €549,590.
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 138 days late
2024
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Back to profitnet €1,137
Net result €1,137 after 4 loss-making years.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Chaudfontaine · 1 establishment unit since 2018
Ground area
1,444 m²
Building footprint
269 m²
Volume, LiDAR
1,511 m³
Parcel 62104D0337/00W047, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IMMO BM
since 20182.280.209.088
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62104D0337/00W047 | Wallonia | 1,444 m² | 1 · 269 m² | 6.8 m · 2 fl. |
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.
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Of 9,698 companies in sector 68121 we hold annual accounts for 7,385. 4,611 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded03-10-2018
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.