IMMO CHOM'S
ActiveIMMO CHOM'S has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €814k and a net result of €-228k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-53
Solvency100=
Growth35=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 48.25 against 14.35 in 2024; short-term debt: 1.9% and cash: 73.7% of total assets), and 2.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
97.6%
Return on assets
-27.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-228k
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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
42 d early
2023
36 d late
2022
1 d late
2021
20 d early
2020
2 d late
2019
41 d late
← 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
Turnover
€7k▼ 60.3%
2022 · €18k
2019: €49k
2021: €26k
2022: €18k
2019 → 2023
EBIT margin
3065.3%▲ 3591.1pp
2022 · -525.7%
2019: 428.9%
2021: 816.4%
2022: -525.7%
2019 → 2023
Net result
€-228k▼ 61.1%
2024 · €-141k
2018: €-75k
2019: €-64k
2020: €-54k
2021: €208k
2022: €-97k
2023: €-134k
2024: €-141k
2018 → 2025
Working capital
€750k▼ 25.2%
2024 · €1.00M
2018: €502k
2019: €729k
2020: €675k
2021: €894k
2022: €487k
2023: €1.05M
2024: €1.00M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€26k-€18k▼ 28.9%€7k▼ 60.3%
Equity€971k-€874k▼ 10.0%€1.10M▲ 25.3%€1.04M▼ 4.9%€814k▼ 21.9%
Operating result€209k-€-96k€222k€8k▼ 96.2%€-228k
Net result€208k-€-97k€-134k▼ 37.7%€-141k▼ 5.7%€-228k▼ 61.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €228k after €8k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €834k
Fixed assets
€68k▲ 58.7%
Current assets
€766k▼ 28.9%
Equity and liabilities €834k
Equity
€814k▼ 21.9%
Debt
€20k▼ 75.0%
The debt ratio falls from 7.1% to 2.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-216k▼
2024 · €18k
Cash flow
€-216k▼
2024 · €-132k
Solvency
97.6%▲
2024 · 92.9%
Current ratio
48.25▲
2024 · 14.35
Quick ratio
48.25▲
2024 · 14.35
Debt / equity
0.02▼
2024 · 0.08
ROE
-28.0%▼
2024 · -13.6%
ROA
-27.3%▼
2024 · -12.6%
Interest coverage
-5434.56▼
2024 · 395.71
Debt
€20k▼
2024 · €79k
Debt ≤ 1 year
€16k▼
2024 · €75k
Debt > 1 year
€4k=
2024 · €4k
Income taxes
€392▼
2024 · €62k
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€1.12M€834k▼
Fixed assets21/28€43k€68k▲
Tangible fixed assets22/27€33k€58k▲
Land and buildings22€3k€3k=
Plant, machinery and equipment23€0-
Furniture and vehicles24€30k€55k▲
Financial fixed assets28€10k€10k=
Current assets29/58€1.08M€766k▼
Amounts receivable within one year40/41€156k€151k▼
Trade receivables40€0-
Other amounts receivable41€156k€151k▼
Cash at bank and in hand54/58€923k€615k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.12M€834k▼
Equity10/15€1.04M€814k▼
Contributions10/11€500k€500k=
Capital10€500k€500k=
Issued capital100€500k€500k=
Reserves13€739k€452k▼
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Tax-exempt reserves132€729k€443k▼
Profit (loss) carried forward14€-197k€-138k▲
Amounts payable17/49€79k€20k▼
Amounts payable after more than one year17€4k€4k=
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€75k€16k▼
Trade debts44€14k€16k▲
Suppliers440/4€14k€16k▲
Taxes, remuneration and social security45€62k-
Taxes450/3€62k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€78k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€12k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€20k€-215k▼
Operating profit (loss)9901€8k€-228k▼
Financial income75/76B-€541
Recurring financial income75-€541
Financial charges65/66B€45€40▼
Recurring financial charges65€45€40▼
Profit (loss) for the period before taxes9903€8k€-227k▼
Transfer to deferred taxes680€88k-
Income taxes67/77€62k€392▼
Profit (loss) for the period9904€-141k€-228k▼
Transfer from tax-exempt reserves789-€286k
Profit (loss) for the period to be appropriated9905€-141k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-197k€-138k▲
Profit (loss) brought forward from the previous period14P€-55k€-197k▼
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-228k
Net result drops to €-228k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 48.25
Current ratio from 14.35 to 48.25; short-term debt falls from €75k to €16k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 36 days late
2023
31-12
Financial
Equity above €1MEq €1.10M ▲25.3%
Equity rises from €874k to €1.10M.
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €208k
Net result €208k after 3 loss-making years.
31-12
Financial
Liquidity times 11current ratio 826.82
Current ratio from 73.63 to 826.82; short-term debt falls from €9k to €1k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 183 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Esneux · 1 establishment unit since 1989
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 de la Douix 384130 EsneuxGround area
1,278 m²
Building footprint
149 m²
Volume, LiDAR
862 m³
Parcel 62032C0340/00C003, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Douix 38, 4130 Esneux
since 19892.045.057.532
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032C0340/00C003 | Wallonia | 1,278 m² | 1 · 149 m² | 8.4 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.
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-04-1989
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.