IMMO-CHECK
ActiveIMMO-CHECK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €173k and a net result of €5k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-74
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 8.3 against 8.66 in 2024), and 17.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
82.2%
Return on assets
2.5%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
31 d late
2022
31 d late
2021
22 d late
2020
26 d late
2019
52 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€173k▲ 3.1%
2024 · €168k
2018: €59k
2019: €60k
2020: €67k
2021: €72k
2022: €111k
2023: €138k
2024: €168k
2018 → 2025
Total assets
€210k▼ 2.0%
2024 · €215k
2018: €67k
2019: €74k
2020: €80k
2021: €82k
2022: €138k
2023: €197k
2024: €215k
2018 → 2025
Net result
€5k▼ 82.4%
2024 · €30k
2018: €2k
2019: €982
2020: €7k
2021: €5k
2022: €54k
2023: €27k
2024: €30k
2018 → 2025
Working capital
€162k▲ 1.1%
2024 · €160k
2018: €46k
2019: €51k
2020: €64k
2021: €70k
2022: €110k
2023: €130k
2024: €160k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€111k▲ 54.2%€138k▲ 23.9%€168k▲ 21.7%€173k▲ 3.1%
Operating result€8k-€68k▲ 778%€42k▼ 37.8%€45k▲ 6.3%€6k▼ 86.9%
Net result€5k-€54k▲ 884%€27k▼ 50.8%€30k▲ 12.6%€5k▼ 82.4%
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 falls in 2025; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €210k
Fixed assets
€26k▼ 21.7%
Current assets
€184k▲ 1.7%
Equity and liabilities €210k
Equity
€173k▲ 3.1%
Debt
€38k▼ 20.2%
The debt ratio falls from 21.9% to 17.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€16k▼
2024 · €55k
Cash flow
€16k▼
2024 · €40k
Solvency
82.2%▲
2024 · 78.1%
Current ratio
8.30▼
2024 · 8.66
Quick ratio
8.30▼
2024 · 8.66
Debt / equity
0.22▼
2024 · 0.28
ROE
3.0%▼
2024 · 17.9%
ROA
2.5%▼
2024 · 13.9%
Interest coverage
8.01▼
2024 · 20.35
Debt
€38k▼
2024 · €47k
Debt ≤ 1 year
€22k▲
2024 · €21k
Debt > 1 year
€15k▼
2024 · €26k
Income taxes
€2k▼
2024 · €16k
Staff costs
€623▼
2024 · €744
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€215k€210k▼
Fixed assets21/28€34k€26k▼
Tangible fixed assets22/27€34k€26k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€34k€25k▼
Current assets29/58€181k€184k▲
Amounts receivable within one year40/41€27k€21k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€20k€18k▼
Current investments50/53€66k€0▼
Cash at bank and in hand54/58€88k€162k▲
Deferred charges and accrued income490/1€600€953▲
Equity and liabilities
Total equity and liabilities10/49€215k€210k▼
Equity10/15€168k€173k▲
Contributions10/11€25k€25k=
Reserves13€86k€86k=
Distributable reserves133€86k€86k=
Profit (loss) carried forward14€57k€62k▲
Amounts payable17/49€47k€38k▼
Amounts payable after more than one year17€26k€15k▼
Financial debts170/4€26k€15k▼
Amounts payable within one year42/48€21k€22k▲
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44€264€935▲
Suppliers440/4€264€935▲
Taxes, remuneration and social security45€10k€10k=
Taxes450/3€10k€10k=
Income statement
Code20242025
Remuneration, social security and pensions62€744€623▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€57k€18k▼
Operating profit (loss)9901€45k€6k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€46k€7k▼
Income taxes67/77€16k€2k▼
Profit (loss) for the period9904€30k€5k▼
Profit (loss) for the period to be appropriated9905€30k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€62k▼
Profit (loss) brought forward from the previous period14P€52k€57k▲
Transfer to equity691/2€25k€0▼
To other reserves6921€25k€0▼
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €150kEq €168k ▲21.7%
7 profitable years in a row build equity to €168k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €54k ▲884%
Operating result €68k, net result €54k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲54.2%
5 profitable years in a row build equity to €111k.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €982 ▼58.1%
Net result drops to €982, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
VANDERBORGHT Harry
CurrentDirector · since 18-12-2023
VANDERBORGHT Koen
CurrentDirector · since 18-12-2023
18-12-2023
VANDERBORGHT Harry: Appointed as Director
18-12-2023
VANDERBORGHT Koen: Appointed as Director
Location & real-estate footprint
Registered office, Opwijk · 1 establishment unit since 2010
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.
Klei 1201745 OpwijkGround area
1,238 m²
Building footprint
161 m²
Volume, LiDAR
1,080 m³
Parcel 23060D0104/02E000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Immo-check
since 20102.184.958.850
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23060D0104/02E000 | Flanders | 1,238 m² | 1 · 161 m² | 9.8 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.
Similar companies · same sector, comparable size
GRANA
BE 0431.047.412
Mons · Eq €173k
Vastgoedplus
BE 0848.703.379
Duffel · Eq €173k
IMMO 28
BE 0446.475.360
Braine-le-Comte · Eq €173k
IMMO LINK
BE 0458.086.359
Antwerpen · Eq €173k
EKKOFIN IMMO
BE 0734.579.812
Mons · Eq €173k
Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 5,200 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2010
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.