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Immo De Specht

Active
Private limited companyfounded 2020active for 6 yearsSteenstraat 58, 1750 Lennik, BelgiumKBO/BCE: BE 0744.497.467
Summary

Immo De Specht has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114,179 and a net result of €26,484. Equity has been growing by about 45% per year since 2020. Its solvency ranks better than 50% of 17,145 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 26-02-2020 Normal situation
Activity
Buying and selling of own real estate NACE 68110and 1 other
Establishment unit
2.299.953.637 1750 Lennik, since 26-02-2020
Financial year end
31 December
Peppol
Not found in the Peppol Directory

Board and ownership

Board
  • Verspecht DirkDirector

Financial position

90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€59,353
▲ 5.0%
Turnover
≈ €150,000
estimated
Profit
€26,484
▲ 8.2%
Equity
€114,179
▲ 30.2%
Total assets
€400,742
▼ 1.4%
Score breakdownraises riskLiquidity: current ratio 0.86, cash €14,606Founded in 2020lowers riskSector: Real estate activities (NACE 68)Size: total assets €400,742Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 66% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Strong
Solvency 53+6
equity 28.5% of total assets
Liquidity 55=
short-term debt 9.0% · cash 3.6%
Profitability 77+1
return on assets 6.6%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,630 companies, NACE 68, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.3%▲ +0.1 percentage points vs 03-2025 05-2025: 0.3%● unchanged vs 04-2025 06-2025: 0.3%● unchanged vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025highest value 08-2025: 0.2%▼ -0.1 percentage points vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.3%▲ +0.1 percentage points vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.2%▼ -0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.86 (0.8 in 2024), below 1. Short-term debt is 9% and cash 3.6% of total assets. 71.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 48% of them on solvency, 65% on liquidity, 73% on profitability and 80% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Size: total assets €400,742
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.86, cash €14,606
NBB · annual accounts
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
2 days early
2024
on the day
2023
6 days early
2022
on the day
2021
on the day
2020
27 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 3 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View
  • Positive: 5 profitable years in a rowprofit 2025: €26,484 5 years View

Recent changes

  1. · Gazette deed Incorporation
All 11 events

Comparable companies

These companies have the same main activity as Immo De Specht: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €359,000 and €470,000, founded between 2019 and 2020.

CompanyTotal assetsGross margin
Immo De Specht Lennik€400,742€59,353
MI Immo Vilvoorde€470,351€53,905
CARVIN INVEST Brussel€409,800€52,374
Terra-Invest Fernelmont€410,772€47,380
RD Property Namur€359,483€50,526
PEZEWEVER Lokeren€365,727€54,121
EMAJA Thuin€430,426€45,909
Full comparison

Key facts about Immo De Specht

What is the company number of Immo De Specht?
The company number of Immo De Specht is 0744.497.467. The VAT number is the same number with BE in front: BE 0744.497.467.
Where is Immo De Specht based?
The registered office is at Steenstraat 58, 1750 Lennik.Company details
What does Immo De Specht do?
According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
What is the legal form of Immo De Specht?
The legal form of Immo De Specht is Private limited company (BV).
When was Immo De Specht founded?
Immo De Specht was founded on 26-02-2020.
Is Immo De Specht still active?
Yes, Immo De Specht is an active enterprise in the KBO register.
What is the turnover of Immo De Specht?
The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €59,353 and 47 comparable companies (NACE 681). It probably lies between €79,000 and €320,000.Financials
Is Immo De Specht profitable?
In financial year 2025, Immo De Specht made a profit of €26,484.
Where can I find the annual accounts of Immo De Specht?
Immo De Specht filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Immo De Specht due?
Immo De Specht must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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