IMMO - BO
ActiveIMMO - BO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €225k and a net result of €93k. Equity is growing by ~43.5% per year across the filed fiscal years. Its solvency ranks better than 57% of 19344 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
69
/ 100
Healthy▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency55▲+25
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.38 in 2023), and 60.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
33 d early
2022
31 d late
2021
31 d late
2020
31 d late
2019
90 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€225k▲ 71.0%
2023 · €132k
2018: €54k
2019: €65k
2020: €32k
2021: €59k
2022: €94k
2023: €132k
2018 → 2024
Total assets
€568k▲ 15.2%
2023 · €493k
2018: €621k
2019: €549k
2020: €483k
2021: €489k
2022: €485k
2023: €493k
2018 → 2024
Net result
€93k▲ 149%
2023 · €37k
2018: €377
2019: €11k
2020: €-34k
2021: €27k
2022: €35k
2023: €37k
2018 → 2024
Working capital
€-101k▲ 53.0%
2023 · €-214k
2021: €-277k
2022: €-246k
2023: €-214k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€59k▲ 85.8%€94k▲ 60.3%€132k▲ 39.8%€225k▲ 71.0%
Operating result€-25k-€37k€54k▲ 48.5%€55k▲ 1.4%€124k▲ 125%
Net result€-34k-€27k€35k▲ 30.5%€37k▲ 5.8%€93k▲ 149%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 125% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €568k
Fixed assets
€326k▼ 9.9%
Current assets
€242k▲ 84.6%
Equity and liabilities €568k
Equity
€225k▲ 71.0%
Provisions
€310▼ 86.6%
Debt
€342k▼ 4.6%
The debt ratio falls from 72.8% to 60.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€160k▲
2023 · €98k
Cash flow
€129k▲
2023 · €81k
Solvency
39.6%▲
2023 · 26.7%
Current ratio
0.71▲
2023 · 0.38
Quick ratio
0.71▲
2023 · 0.38
Debt / equity
1.52▼
2023 · 2.73
ROE
41.5%▲
2023 · 28.5%
ROA
16.5%▲
2023 · 7.6%
Interest coverage
49.01▲
2023 · 22.77
Debt
€342k▼
2023 · €359k
Debt ≤ 1 year
€342k▼
2023 · €345k
Income taxes
€29k▲
2023 · €15k
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€493k€568k▲
Fixed assets21/28€362k€326k▼
Tangible fixed assets22/27€362k€326k▼
Land and buildings22€341k€313k▼
Furniture and vehicles24€20k€13k▼
Current assets29/58€131k€242k▲
Amounts receivable within one year40/41-€2k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€131k€239k▲
Deferred charges and accrued income490/1€335€351▲
Equity and liabilities
Total equity and liabilities10/49€493k€568k▲
Equity10/15€132k€225k▲
Contributions10/11€37k€37k=
Reserves13€94k€188k▲
Tax-exempt reserves132€5k€724▼
Distributable reserves133€89k€187k▲
Provisions and deferred taxes16€2k€310▼
Deferred taxes168€2k€310▼
Amounts payable17/49€359k€342k▼
Amounts payable after more than one year17€14k-
Financial debts170/4€14k-
Amounts payable within one year42/48€345k€342k▼
Current portion of amounts payable after more than one year42€47k€741▼
Trade debts44€5k€0▼
Suppliers440/4€5k€0▼
Taxes, remuneration and social security45€109k€140k▲
Taxes450/3€30k€45k▲
Remuneration and social security454/9€79k€95k▲
Other amounts payable47/48€185k€202k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€36k▼
Other operating charges640/8€10k€11k▲
Gross operating margin9900€109k€171k▲
Operating profit (loss)9901€55k€124k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€51k€121k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€15k€29k▲
Profit (loss) for the period9904€37k€93k▲
Transfer from tax-exempt reserves789€5k€5k=
Profit (loss) for the period to be appropriated9905€42k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€98k▲
Transfer to equity691/2€42k€98k▲
To other reserves6921€42k€98k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Highest result since 2018net €93k ▲149%
Operating result €124k, net result €93k, both a record.
31-12
Financial
Equity above €200kEq €225k ▲71%
4 profitable years in a row build equity to €225k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €132k ▲39.8%
3 profitable years in a row build equity to €132k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-34k ▼407%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Retie · 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.
Burchtstraat 242470 RetieGround area
1,787 m²
Building footprint
330 m²
Volume, LiDAR
1,764 m³
2 parcels, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Spechtstraat 4, 2400 Mol
since 19932.061.823.387
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13435D0504/00E000 | Flanders | 1,034 m² | 1 · 191 m² | 7.5 m · 2 fl. |
| 13036B0206/00D000 | Flanders | 753 m² | 1 · 138 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
BUREAU IMMOBILIER LIBOY-LEJEUNE
BE 0425.668.662
Seraing · Eq €225k
GINGO-IMMO
BE 0431.362.364
Elsene · Eq €225k
ARCHYBALD
BE 0836.102.386
Zaventem · Eq €225k
VOTRE IMMO
BE 0892.915.979
Charleroi · Eq €225k
Immo D’Hondt
BE 0861.818.670
Oudenaarde · Eq €225k
Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,103 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-1993
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.