Immo De Bist is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €7k and a net result of €3k. Equity is growing by ~77.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 3325 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3325 sector peers (2024).
NBB · sector comparisonPosition among 3325 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
12 d early
2022
1 d late
2021
10 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€7k▲ 74.2%
2023 · €4k
2021: €-1k
2022: €3k
2023: €4k
2021 → 2024
Net result
€3k▲ 131%
2023 · €1k
2021: €-4k
2022: €4k
2023: €1k
2021 → 2024
Total assets
€222k▼ 0.1%
2023 · €222k
2021: €242k
2022: €232k
2023: €222k
2021 → 2024
Solvency
3.3%▲ 1.4pp
2023 · 1.9%
2021: -0.5%
2022: 1.2%
2023: 1.9%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-1k-€3k€4k▲ 47.3%€7k▲ 74.2%
Operating result€-2k-€6k€3k▼ 45.5%€5k▲ 72.4%
Net result€-4k-€4k€1k▼ 65.9%€3k▲ 131%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 72% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €222k
Fixed assets
€218k▼ 1.0%
Current assets
€4k▲ 110%
Equity and liabilities €222k
Equity
€7k▲ 74.2%
Debt
€215k▼ 1.5%
The debt ratio falls from 98.1% to 96.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
3.3%▲
2023 · 1.9%
ROE
42.6%▲
2023 · 32.1%
ROA
1.4%▲
2023 · 0.6%
Debt
€215k▼
2023 · €218k
Debt ≤ 1 year
€62k▲
2023 · €51k
Debt > 1 year
€153k▼
2023 · €167k
Income taxes
€696▲
2023 · €141
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€222k€222k▼
Fixed assets21/28€221k€218k▼
Tangible fixed assets22/27€221k€218k▼
Land and buildings22€220k€218k▼
Furniture and vehicles24€837€359▼
Current assets29/58€2k€4k▲
Amounts receivable within one year40/41€341-
Trade receivables40€341-
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€117-
Equity and liabilities
Total equity and liabilities10/49€222k€222k▼
Equity10/15€4k€7k▲
Contributions10/11€3k€3k=
Reserves13€1k€4k▲
Distributable reserves133€1k€4k▲
Amounts payable17/49€218k€215k▼
Amounts payable after more than one year17€167k€153k▼
Financial debts170/4€167k€153k▼
Amounts payable within one year42/48€51k€62k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Taxes, remuneration and social security45€141€696▲
Taxes450/3€141€696▲
Other amounts payable47/48€36k€47k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€15k€18k▲
Operating profit (loss)9901€3k€5k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€1k€4k▲
Income taxes67/77€141€696▲
Profit (loss) for the period9904€1k€3k▲
Profit (loss) for the period to be appropriated9905€1k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€3k▲
Profit (loss) brought forward from the previous period14P€-163-
Transfer to equity691/2€1k€3k▲
To other reserves6921€1k€3k▲
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
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Westerlo · 1 establishment unit since 2020
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.
de Merodedreef 1332260 WesterloGround area
1,809 m²
Building footprint
758 m²
Volume, LiDAR
6,698 m³
Parcel 13049B0327/00R000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Immo De Bist
since 20202.308.088.076
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13049B0327/00R000 | Flanders | 1,809 m² | 1 · 758 m² | 12.3 m · 3 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
De Huismannen
BE 0523.986.575
Kortenaken · Eq €8k
FAGNES DEVELOPPEMENT
BE 0771.679.639
Couvin · Eq €7k
WOUTER DENEWETH
BE 0722.802.626
Tielt · Eq €8k
4ED ADVICE
BE 0787.817.766
Rixensart · Eq €8k
WATTS.green Investments
BE 0783.409.315
Watermaal-Bosvoorde · Eq €8k
Of 591 companies in sector 66300 we hold annual accounts for 366. 92 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2020
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.