Immo Bontet
ActiveImmo Bontet has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €5k. Equity is growing by ~46.3% per year across the filed fiscal years. Its solvency ranks better than 53% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-14
Solvency58▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.69 in 2024; short-term debt: 22.1% and cash: 10.4% of total assets), and 67% 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 · 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
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
33%
Return on assets
1.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
27 d late
2023
29 d late
2022
17 d early
2021
22 d late
2020
26 d late
2019
25 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 5.0%
2024 · €104k
2018: €10k
2019: €12k
2020: €15k
2021: €24k
2022: €33k
2023: €95k
2024: €104k
2018 → 2025
Total assets
€331k▼ 15.2%
2024 · €390k
2018: €503k
2019: €474k
2020: €438k
2021: €449k
2022: €455k
2023: €508k
2024: €390k
2018 → 2025
Net result
€5k▼ 43.9%
2024 · €9k
2018: €5k
2019: €2k
2020: €2k
2021: €10k
2022: €8k
2023: €6k
2024: €9k
2018 → 2025
Working capital
€-28k▲ 26.2%
2024 · €-38k
2018: €-449k
2019: €-374k
2020: €-295k
2021: €-271k
2022: €-247k
2023: €-227k
2024: €-38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€33k▲ 34.1%€95k▲ 189%€104k▲ 9.9%€109k▲ 5.0%
Operating result€12k-€11k▼ 5.1%€7k▼ 33.3%€15k▲ 105%€15k▲ 1.2%
Net result€10k-€8k▼ 14.8%€6k▼ 33.6%€9k▲ 69.5%€5k▼ 43.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €331k
Fixed assets
€286k▼ 6.5%
Current assets
€45k▼ 46.5%
Equity and liabilities €331k
Equity
€109k▲ 5.0%
Debt
€222k▼ 22.5%
The debt ratio falls from 73.3% to 67.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €35k
Cash flow
€25k▼
2024 · €29k
Solvency
33.0%▲
2024 · 26.7%
Current ratio
0.62▼
2024 · 0.69
Quick ratio
0.50▼
2024 · 0.62
Debt / equity
2.03▼
2024 · 2.75
ROE
4.8%▼
2024 · 9.0%
ROA
1.6%▼
2024 · 2.4%
Interest coverage
4.44▼
2024 · 18.19
Debt
€222k▼
2024 · €286k
Debt ≤ 1 year
€73k▼
2024 · €122k
Debt > 1 year
€148k▼
2024 · €163k
Income taxes
€2k▼
2024 · €4k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€390k€331k▼
Fixed assets21/28€306k€286k▼
Tangible fixed assets22/27€306k€286k▼
Land and buildings22€299k€281k▼
Plant, machinery and equipment23€6k€5k▼
Current assets29/58€84k€45k▼
Stocks and contracts in progress3€8k€8k▲
Stocks30/36€8k€8k▲
Amounts receivable within one year40/41€2k€620▼
Trade receivables40€1k€0▼
Other amounts receivable41€159€620▲
Cash at bank and in hand54/58€73k€35k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€390k€331k▼
Equity10/15€104k€109k▲
Contributions10/11€75k€75k=
Reserves13€9k€15k▲
Distributable reserves133€9k€15k▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€286k€222k▼
Amounts payable after more than one year17€163k€148k▼
Financial debts170/4€163k€148k▼
Amounts payable within one year42/48€122k€73k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€605€15▼
Suppliers440/4€605€15▼
Taxes, remuneration and social security45€1k€869▼
Taxes450/3€1k€869▼
Other amounts payable47/48€106k€57k▼
Accrued charges and deferred income492/3€762€774▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€20k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k€495▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€42k€41k▼
Operating profit (loss)9901€15k€15k▲
Financial income75/76B€371€238▼
Recurring financial income75€371€238▼
Financial charges65/66B€2k€8k▲
Recurring financial charges65€2k€8k▲
Profit (loss) for the period before taxes9903€14k€8k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€25k▼
Profit (loss) brought forward from the previous period14P€20k€20k=
Transfer to equity691/2€9k€5k▼
To other reserves6921€9k€5k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €100kEq €104k ▲9.9%
7 profitable years in a row build equity to €104k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Highest result since 2018net €10k ▲318%
Net result €10k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼58.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ecaussinnes · 1 establishment unit since 2004
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.
Rue Perlinghi 477190 EcaussinnesGround area
1,264 m²
Building footprint
270 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Immo Bontet
since 20042.139.509.402
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55008B0008/00D002 | Wallonia | 790 m² | 1 · 155 m² | - |
| 55008D0391/00S000 | Wallonia | 474 m² | 1 · 114 m² | - |
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
DAMIANI SOSTILIO IMMO
BE 0788.187.455
Chapelle-lez-Herlaimont · Eq €109k
BuildinGK
BE 0756.742.728
Maaseik · Eq €109k
JNS Invest
BE 0720.865.792
Bekkevoort · Eq €109k
IMMO LAGRY
BE 0784.343.582
Dentergem · Eq €110k
GROEP INDUSTRIMMO
BE 0458.369.243
Kortrijk · Eq €110k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,321 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2004
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70120
68122Development of non-residential building projects
45402
47632Retail sale of bicycles
47639Retail sale of other sporting goods
47640Retail trade
47785Retail trade
47830Retail sale of motorcycles and motorcycle parts and accessories
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68202Real estate activities
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.