IMMO BPC
ActiveSummary
IMMO BPC has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29,259 and a net result of €10,831. Equity is shrinking by ~50.2% per year across the filed fiscal years. Its solvency ranks better than 15% of 1056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability63▲+3
Solvency31▼-1
Growth58▲+26
Track record94
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.94 against 0.75 in 2024; short-term debt: 30.2% and cash: 12.2% of total assets), and 93.8% 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 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% 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
6.2%
Return on assets
2.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1056 sector peers (2025).
NBB · sector comparisonPosition among 1056 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
23 d early
2024
73 d early
2023
28 d early
2022
31 d late
2021
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 13 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 8 July (4 of the last 5 filed years within 50 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€29,259▲ 58.8%
2024 · €18,429
Total assets
€468,906▲ 68.3%
2024 · €278,658
Net result
€10,831
2024 · -€19,372
Working capital
-€8,452▲ 65.9%
2024 · -€24,774
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€4,137--€78,051-€31,188▲ 60.0%-€13,295▲ 57.4%€23,887
Net result€67within the sector's middle half--€88,348below the sector's middle half-€37,615below the sector's middle half▲ 57.4%-€19,372below the sector's middle half▲ 48.5%€10,831within the sector's middle half
Equity€163,764above the sector's middle half-€75,416within the sector's middle half▼ 53.9%€37,801within the sector's middle half▼ 49.9%€18,429within the sector's middle half▼ 51.2%€29,259below the sector's middle half▲ 58.8%
Total assets€388,187above the sector's middle half-€407,763above the sector's middle half▲ 5.0%€328,534above the sector's middle half▼ 19.4%€278,658within the sector's middle half▼ 15.2%€468,906within the sector's middle half▲ 68.3%
Debt€224,423-€332,347▲ 48.1%€290,734▼ 12.5%€260,229▼ 10.5%€439,646▲ 68.9%
Working capital-€73,934below the sector's middle half--€104,808below the sector's middle half▼ 41.8%-€70,100below the sector's middle half▲ 33.1%-€24,774below the sector's middle half▲ 64.7%-€8,452below the sector's middle half▲ 65.9%
Solvency42.2%within the sector's middle half-18.5%within the sector's middle half▼ 23.7pp11.5%within the sector's middle half▼ 7.0pp6.6%below the sector's middle half▼ 4.9pp6.2%below the sector's middle half▼ 0.4pp
Current ratio0.13below the sector's middle half-0.18below the sector's middle half▲ 0.050.35below the sector's middle half▲ 0.170.75below the sector's middle half▲ 0.400.94below the sector's middle half▲ 0.19
Return on assets (ROA)0.0%within the sector's middle half--21.7%below the sector's middle half▼ 21.7pp-11.4%below the sector's middle half▲ 10.2pp-7.0%below the sector's middle half▲ 4.5pp2.3%within the sector's middle half▲ 9.3pp
above
within
below
the middle half (P25 to P75) of NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23,887 after a loss of €13,295 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423,949
Fixed assets
€290,559 ▲ 84.8%
Current assets
€133,390 ▲ 81.1%
Equity and liabilities €468,906
Equity
€29,259 ▲ 58.8%
Debt
€439,646 ▲ 68.9%
Debt's share of the balance-sheet total rises from 93.4% to 93.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€65,565▼
2024 · €80,912
Cash flow
€52,508▼
2024 · €74,835
Debt to equity
15.03▲
2024 · 14.12
ROE
37.0%▲
2024 · -105.1%
Interest coverage
5.02▼
2024 · 13.31
Debt ≤ 1 year
€141,842▲
2024 · €98,428
Debt > 1 year
€297,805▲
2024 · €161,801
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,599 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
1.6%
went bankrupt
1.7%
stopped otherwise
96%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,599 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €6,913 | €34,201 | €5,899 | €6,087 | €13,705 | ▲ 125% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €69,768 | €93,469 | €94,207 | €41,678 | ▼ 55.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €13,050 | - | - | €27,416 | - |
| Other operating charges640/8 | - | €28,063 | €11,005 | €3,681 | €29,013 | ▲ 688% |
| Gross operating margin9900 | €4,137 | €32,829 | €73,286 | €84,594 | €121,994 | ▲ 44.2% |
| Operating profit (loss)9901 | €4,137 | -€78,051 | -€31,188 | -€13,295 | €23,887 | ▲ 280% |
| Financial income75/76B | - | €6 | - | - | - | - |
| Recurring financial income75 | - | €6 | - | - | - | - |
| Financial charges65/66B | €4,070 | €10,304 | €6,409 | €6,077 | €13,056 | ▲ 115% |
| Recurring financial charges65 | €4,070 | €10,304 | €6,409 | €6,077 | €13,056 | ▲ 115% |
| Profit (loss) for the period before taxes9903 | €67 | -€88,348 | -€37,597 | -€19,372 | €10,831 | ▲ 156% |
| Income taxes67/77 | - | - | €18 | - | - | - |
| Profit (loss) for the period9904 | €67 | -€88,348 | -€37,615 | -€19,372 | €10,831 | ▲ 156% |
| Transfer from tax-exempt reserves789 | - | €55,939 | - | - | - | - |
| Transfer to tax-exempt reserves689 | - | €55,939 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €67 | -€88,348 | -€37,615 | -€19,372 | €10,831 | ▲ 156% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €388,187 | €407,763 | €328,534 | €278,658 | €468,906 | ▲ 68.3% |
| Formation expenses20 | €56,196 | €53,386 | €50,577 | €47,767 | €44,957 | ▼ 5.9% |
| Fixed assets21/28 | €321,316 | €331,549 | €240,890 | €157,237 | €290,559 | ▲ 84.8% |
| Intangible fixed assets21 | €5,000 | €4,286 | €3,571 | €2,857 | €2,143 | ▼ 25.0% |
| Tangible fixed assets22/27 | €316,316 | €327,263 | €237,319 | €154,380 | €288,416 | ▲ 86.8% |
| Land and buildings22 | €292,490 | €307,953 | €223,981 | €147,015 | €286,976 | ▲ 95.2% |
| Plant, machinery and equipment23 | €23,633 | €19,165 | €13,257 | €7,349 | €1,441 | ▼ 80.4% |
| Furniture and vehicles24 | €194 | €145 | €80 | €16 | - | - |
| Current assets29/58 | €10,675 | €22,828 | €37,068 | €73,654 | €133,390 | ▲ 81.1% |
| Amounts receivable within one year40/41 | €9,314 | €14,930 | €31,547 | €52,053 | €75,986 | ▲ 46.0% |
| Trade receivables40 | €9,314 | €14,930 | €24,286 | €51,642 | €75,986 | ▲ 47.1% |
| Other amounts receivable41 | - | - | €7,261 | €412 | - | - |
| Cash at bank and in hand54/58 | €1,361 | €7,898 | €5,521 | €21,601 | €57,085 | ▲ 164% |
| Deferred charges and accrued income490/1 | - | - | - | - | €319 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €388,187 | €407,763 | €328,534 | €278,658 | €468,906 | ▲ 68.3% |
| Equity10/15 | €163,764 | €75,416 | €37,801 | €18,429 | €29,259 | ▲ 58.8% |
| Contributions10/11 | €108,938 | €108,938 | €108,938 | €108,938 | €108,938 | = |
| Capital10 | €108,938 | €108,938 | €108,938 | €108,938 | €108,938 | = |
| Issued capital100 | €108,938 | €108,938 | €108,938 | €108,938 | €108,938 | = |
| Reserves13 | €54,826 | €54,826 | €54,826 | €54,826 | €54,826 | = |
| Tax-exempt reserves132 | €54,759 | €54,759 | €54,759 | €54,759 | €54,759 | = |
| Distributable reserves133 | €67 | €67 | €67 | €67 | €67 | = |
| Profit (loss) carried forward14 | - | -€88,348 | -€125,963 | -€145,335 | -€134,505 | ▲ 7.5% |
| Amounts payable17/49 | €224,423 | €332,347 | €290,734 | €260,229 | €439,646 | ▲ 68.9% |
| Amounts payable after more than one year17 | €139,815 | €204,712 | €183,566 | €161,801 | €297,805 | ▲ 84.1% |
| Financial debts170/4 | €139,815 | €204,712 | €183,566 | €161,801 | €297,805 | ▲ 84.1% |
| Amounts payable within one year42/48 | €84,608 | €127,636 | €107,168 | €98,428 | €141,842 | ▲ 44.1% |
| Current portion of amounts payable after more than one year42 | €14,931 | €28,537 | €21,146 | €21,765 | €31,231 | ▲ 43.5% |
| Trade debts44 | €59,106 | €20,539 | €6,218 | €3,557 | €17,444 | ▲ 390% |
| Suppliers440/4 | €59,106 | €20,539 | €6,218 | €3,557 | €17,444 | ▲ 390% |
| Taxes, remuneration and social security45 | €1,952 | €567 | - | - | €315 | - |
| Taxes450/3 | €1,952 | €567 | - | - | €315 | - |
| Other amounts payable47/48 | €8,620 | €77,992 | €79,804 | €73,106 | €92,852 | ▲ 27.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €67 | -€88,348 | -€37,615 | -€19,372 | €10,831 | ▲ 156% |
| + Depreciation and write-downs630 | - | €69,768 | €93,469 | €94,207 | €41,678 | ▼ 55.8% |
| Operating cash flow (approximation) | €67 | -€18,581 | €55,854 | €74,835 | €52,508 | ▼ 29.8% |
| Investment in fixed assets (approximation) | - | -€80,000 | -€2,810 | -€10,553 | -€175,000 | ▼ 1,558% |
| Change in cash | - | €6,537 | -€2,378 | €16,080 | €35,484 | ▲ 121% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €10,831
Net result €10,831 after 3 loss-making years.
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet -€88,348
Net result drops to -€88,348, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Herstal · 1 establishment unit since 2021
Ground area
111 m²
Building footprint
66 m²
Parcel 62051D1422/00Y000, Wallonia. Linked by address, not a title deed.
1 establishment unit
IMMO BPC
since 20212.322.738.343
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051D1422/00Y000indicative | Wallonia | 111 m² | 1 · 66 m² | - |
Linked by address, not proof of ownership
Good to know
0 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 1,876 companies in sector 95314 we hold annual accounts for 847. 534 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
Founded29-03-2021
Fiscal year end31-12
Activities, NACEBEL 2025
95314Bodywork repair (including spraying and painting)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
68110Buying and selling of own real estate
E-invoicing
Reachable via Peppol
Peppol ID
0208:0765756996
Also
9925:BE0765756996
Registered
20-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.