IMMO DE FERM
ActiveIMMO DE FERM has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €108k. Equity is growing by ~45.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency11=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.62 in 2024), and 87.6% 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
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 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
12.4%
Return on assets
12.3%
Age of the figures
8 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
30 d early
2023
20 d early
2022
6 d early
2021
11 d late
2020
30 d early
2019
55 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€109k▲ 7.3%
2024 · €102k
2019: €-72k
2020: €-26k
2021: €13k
2022: €69k
2023: €102k
2024: €102k
2019 → 2025
Total assets
€882k▲ 2.6%
2024 · €859k
2019: €962k
2020: €850k
2021: €843k
2022: €859k
2023: €899k
2024: €859k
2019 → 2025
Net result
€108k▲ 7.4%
2024 · €101k
2019: €-73k
2020: €46k
2021: €38k
2022: €56k
2023: €101k
2024: €101k
2019 → 2025
Working capital
€-70k▼ 64.8%
2024 · €-42k
2019: €-58k
2020: €-18k
2021: €-13k
2022: €5k
2023: €-9k
2024: €-42k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€69k▲ 450%€102k▲ 47.6%€102k▲ 0.3%€109k▲ 7.3%
Operating result€55k-€85k▲ 55.8%€142k▲ 66.6%€144k▲ 1.0%€157k▲ 9.0%
Net result€38k-€56k▲ 48.0%€101k▲ 78.6%€101k▲ 0.3%€108k▲ 7.4%
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 has risen four years in a row; 2025 is 9% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €882k
Fixed assets
€769k▼ 2.5%
Current assets
€113k▲ 60.8%
Equity and liabilities €882k
Equity
€109k▲ 7.3%
Debt
€772k▲ 2.0%
The debt ratio falls from 88.1% to 87.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€177k▲
2024 · €164k
Cash flow
€128k▲
2024 · €121k
Solvency
12.4%▲
2024 · 11.9%
Current ratio
0.62▼
2024 · 0.62
Quick ratio
0.62▼
2024 · 0.62
Debt / equity
7.06▼
2024 · 7.43
ROE
99.1%▲
2024 · 99.0%
ROA
12.3%▲
2024 · 11.7%
Interest coverage
9.03▼
2024 · 10.13
Debt
€772k▲
2024 · €757k
Debt ≤ 1 year
€182k▲
2024 · €112k
Debt > 1 year
€590k▼
2024 · €645k
Income taxes
€31k▲
2024 · €27k
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€859k€882k▲
Fixed assets21/28€789k€769k▼
Tangible fixed assets22/27€789k€769k▼
Land and buildings22€786k€766k▼
Furniture and vehicles24€1k€705▼
Other tangible fixed assets26€3k€3k=
Current assets29/58€70k€113k▲
Amounts receivable within one year40/41€44k€108k▲
Trade receivables40€23k€20k▼
Other amounts receivable41€21k€88k▲
Cash at bank and in hand54/58€26k€5k▼
Equity and liabilities
Total equity and liabilities10/49€859k€882k▲
Equity10/15€102k€109k▲
Contributions10/11€1k€1k=
Reserves13€101k€108k▲
Distributable reserves133€101k€108k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€757k€772k▲
Amounts payable after more than one year17€645k€590k▼
Financial debts170/4€645k€590k▼
Amounts payable within one year42/48€112k€182k▲
Current portion of amounts payable after more than one year42€54k€58k▲
Financial debts43€8k€0▼
Credit institutions430/8€8k€0▼
Trade debts44€0€3k▲
Suppliers440/4€0€3k▲
Taxes, remuneration and social security45€7k€23k▲
Taxes450/3€7k€23k▲
Other amounts payable47/48€44k€98k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€20k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€170k€184k▲
Operating profit (loss)9901€144k€157k▲
Financial income75/76B€946€2k▲
Recurring financial income75€946€2k▲
Financial charges65/66B€16k€20k▲
Recurring financial charges65€16k€20k▲
Profit (loss) for the period before taxes9903€128k€139k▲
Income taxes67/77€27k€31k▲
Profit (loss) for the period9904€101k€108k▲
Profit (loss) for the period to be appropriated9905€101k€108k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€108k▲
Transfer from equity791/2€101k€101k▲
Transfer to equity691/2€101k€108k▲
To other reserves6921€101k€108k▲
Profit to be distributed694/7€101k€101k▲
Return on contributions (dividend)694€101k€101k▲
The notes to these accounts (16 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2019net €108k ▲7.4%
Operating result €157k, net result €108k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €100kEq €102k ▲47.6%
4 profitable years in a row build equity to €102k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 11 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 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, Antwerpen · 1 establishment unit since 2019
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.
Oude Bosuilbaan 272100 AntwerpenGround area
548 m²
Building footprint
221 m²
Volume, LiDAR
1,708 m³
Parcel 11012A0158/00E003, Flanders · tallest building 12.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IMMO DE FERM
since 20192.294.169.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11012A0158/00E003 | Flanders | 548 m² | 1 · 221 m² | 12.1 m · 4 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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IMMO-MOT
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IMMOBILIERE OUTRE COUR
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Of 9,093 companies in sector 68201 we hold annual accounts for 6,724. 4,249 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2019
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.