Immo de Belmonte
ActiveImmo de Belmonte has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €433k and a net result of €-102k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▼-61
Solvency47=
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days only on tighter terms
Liquidity short (current ratio 0.07 against 0.23 in 2024; short-term debt: 78.1% and cash: 5.5% of total assets), and 78.1% 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+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
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
30 d late
2023
21 d late
2022
167 d early
2021
46 d early
2020
43 d early
2019
57 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
€433k▼ 19.0%
2024 · €534k
2018: €530k
2019: €578k
2020: €501k
2021: €472k
2022: €504k
2023: €458k
2024: €534k
2018 → 2025
Total assets
€1.97M▼ 17.3%
2024 · €2.39M
2018: €1.88M
2019: €1.83M
2020: €2.27M
2021: €2.19M
2022: €2.10M
2023: €2.30M
2024: €2.39M
2018 → 2025
Net result
€-102k
2024 · €76k
2018: €36k
2019: €48k
2020: €-77k
2021: €-29k
2022: €32k
2023: €-46k
2024: €76k
2018 → 2025
Working capital
€-1.43M▼ 0.6%
2024 · €-1.42M
2018: €-1.35M
2019: €-1.24M
2020: €-1.29M
2021: €-1.71M
2022: €-1.59M
2023: €-1.59M
2024: €-1.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€472k-€504k▲ 6.8%€458k▼ 9.2%€534k▲ 16.6%€433k▼ 19.0%
Operating result€-17k-€43k€-46k€76k€-101k
Net result€-29k-€32k€-46k€76k€-102k
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 €101k after €76k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.86M▼ 4.8%
Current assets
€110k▼ 74.5%
Equity and liabilities €1.97M
Equity
€433k▼ 19.0%
Debt
€1.54M▼ 16.8%
The debt ratio rises from 77.6% to 78.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-8k▼
2024 · €169k
Cash flow
€-9k▼
2024 · €169k
Solvency
21.9%▼
2024 · 22.4%
Current ratio
0.07▼
2024 · 0.23
Quick ratio
0.07▼
2024 · 0.23
Debt / equity
3.56▲
2024 · 3.47
ROE
-23.5%▼
2024 · 14.3%
ROA
-5.1%▼
2024 · 3.2%
Interest coverage
-84.79▼
2024 · 1109.18
Debt
€1.54M▼
2024 · €1.85M
Debt ≤ 1 year
€1.54M▼
2024 · €1.85M
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€2.39M€1.97M▼
Fixed assets21/28€1.96M€1.86M▼
Tangible fixed assets22/27€1.96M€1.86M▼
Land and buildings22€1.96M€1.86M▼
Current assets29/58€430k€110k▼
Amounts receivable within one year40/41€410k€4▼
Other amounts receivable41€410k€4▼
Cash at bank and in hand54/58€19k€109k▲
Deferred charges and accrued income490/1€1k€1k=
Equity and liabilities
Total equity and liabilities10/49€2.39M€1.97M▼
Equity10/15€534k€433k▼
Contributions10/11€500k€500k=
Profit (loss) carried forward14€34k€-67k▼
Amounts payable17/49€1.85M€1.54M▼
Amounts payable within one year42/48€1.85M€1.54M▼
Trade debts44€10k€22k▲
Suppliers440/4€10k€22k▲
Other amounts payable47/48€1.84M€1.52M▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€93k€93k=
Other operating charges640/8€23k€25k▲
Non-recurring operating charges66A-€180k
Gross operating margin9900€193k€197k▲
Operating profit (loss)9901€76k€-101k▼
Financial charges65/66B€153€100▼
Recurring financial charges65€153€100▼
Profit (loss) for the period before taxes9903€76k€-102k▼
Profit (loss) for the period9904€76k€-102k▼
Profit (loss) for the period to be appropriated9905€76k€-102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€-67k▼
Profit (loss) brought forward from the previous period14P€-42k€34k▲
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
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-102k ▼233%
Net result drops to €-102k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €76k
Net result €76k after one loss-making year.
31-12
Financial
Equity above €500kEq €534k ▲16.6%
Equity rises from €458k to €534k.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
14-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €32k
Net result €32k after 2 loss-making years.
31-12
Financial
Equity above €500kEq €504k ▲6.8%
Equity rises from €472k to €504k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-06
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
9 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, Brussel · 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.
Sint-Goriksplein 29/321000 BrusselGround area
228 m²
Building footprint
202 m²
Volume, LiDAR
3,544 m³
Parcel 21811M0921/00C000, Brussels · tallest building 22.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Sint-Goriksplein 29-32, 1000 Brussel
since 20102.192.664.511
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M0921/00C000 | Brussels | 228 m² | 1 · 202 m² | 22.3 m · 6 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
5493003XBX71YL54YW69
Similar companies · same sector, comparable size
IMMAL
BE 0428.784.738
Sint-Lambrechts-Woluwe · Eq €432k
Vertom OG Exploitatie
BE 0772.676.165
Antwerpen · Eq €432k
GUIVAN
BE 0475.227.249
Diepenbeek · Eq €433k
DAT-ESTATE
BE 0475.104.317
Ieper · Eq €432k
EXKI
BE 0446.765.271
Hasselt · Eq €434k
Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,428 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-2010
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 · 15 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.