IMMO DECAIGNY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.66M and a net result of €1.46M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 5523 sector peers (fiscal year 2025). The company has been active since 2008 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021232425
2018 to 2025 · latest year €2.66M
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
11 d late
2023
on the day
2021
79 d early
2020
22 d early
2019
14 d early
2018
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.66M▲ 122%
2024 · €1.20M
2018: €33k
2019: €34k
2020: €33k
2021: €65k
2023: €1.19M
2024: €1.20M
2018 → 2025
Net result
€1.46M▲ 32,396%
2024 · €5k
2018: €1k
2019: €1k
2020: €-1k
2021: €32k
2023: €-123k
2024: €5k
2018 → 2025
Total assets
€5.01M▼ 34.5%
2024 · €7.65M
2018: €33k
2019: €34k
2020: €33k
2021: €75k
2023: €3.59M
2024: €7.65M
2018 → 2025
Solvency
53.1%▲ 37.5pp
2024 · 15.6%
2018: 99.6%
2019: 99.1%
2020: 100.0%
2021: 86.0%
2023: 33.2%
2024: 15.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Turnover€4k-€2k▼ 50.0%
Equity€33k-€65k▲ 98.5%€1.19M▲ 1,742%€1.20M▲ 0.4%€2.66M▲ 122%
Operating result€-1k-€-2k▼ 25.0%€-113k▼ 6,418%€46k€1.97M▲ 4,137%
Net result€-1k-€32k€-123k€5k€1.46M▲ 32,396%
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4,137% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.01M
Fixed assets
€2.77M▼ 19.8%
Current assets
€2.23M▼ 46.7%
Equity and liabilities €5.01M
Equity
€2.66M▲ 122%
Provisions
€472k
Debt
€1.88M▼ 70.9%
The debt ratio falls from 84.4% to 37.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
53.1%▲
2024 · 15.6%
ROE
55.0%▲
2024 · 0.4%
ROA
29.2%▲
2024 · 0.1%
Debt
€1.88M▼
2024 · €6.45M
Debt ≤ 1 year
€234k▼
2024 · €2.60M
Debt > 1 year
€1.64M▼
2024 · €3.84M
Income taxes
€7k
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€7.65M€5.01M▼
Fixed assets21/28€3.46M€2.77M▼
Tangible fixed assets22/27€1.62M€932k▼
Land and buildings22€1.62M€932k▼
Financial fixed assets28€1.84M€1.84M=
Current assets29/58€4.19M€2.23M▼
Amounts receivable after more than one year29€3.66M€1.40M▼
Other amounts receivable291€3.66M€1.40M▼
Amounts receivable within one year40/41€411k€794k▲
Trade receivables40€15-
Other amounts receivable41€411k€794k▲
Cash at bank and in hand54/58€114k€36k▼
Deferred charges and accrued income490/1€373€374▲
Equity and liabilities
Total equity and liabilities10/49€7.65M€5.01M▼
Equity10/15€1.20M€2.66M▲
Contributions10/11€82k€82k=
Capital10€82k€82k=
Issued capital100€82k€82k=
Reserves13€1.11M€2.58M▲
Non-distributable reserves130/1€26k€33k▲
Legal reserve130€920€8k▲
Reserves not available under the articles1311€25k€25k=
Tax-exempt reserves132€157k€1.42M▲
Distributable reserves133€930k€1.13M▲
Provisions and deferred taxes16-€472k
Deferred taxes168-€472k
Amounts payable17/49€6.45M€1.88M▼
Amounts payable after more than one year17€3.84M€1.64M▼
Financial debts170/4€3.84M€1.64M▼
Amounts payable within one year42/48€2.60M€234k▼
Current portion of amounts payable after more than one year42€437k€210k▼
Trade debts44€137-
Suppliers440/4€137-
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48€2.15M€17k▼
Accrued charges and deferred income492/3€20k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€1.89M
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€157k€27k▼
Other operating charges640/8€55k€64k▲
Gross operating margin9900€258k€2.06M▲
Operating profit (loss)9901€46k€1.97M▲
Financial income75/76B€128k€151k▲
Recurring financial income75€128k€151k▲
Financial charges65/66B€170k€177k▲
Recurring financial charges65€170k€177k▲
Profit (loss) for the period before taxes9903€5k€1.94M▲
Transfer to deferred taxes680-€472k
Income taxes67/77-€7k
Profit (loss) for the period9904€5k€1.46M▲
Transfer from tax-exempt reserves789€22k€157k▲
Transfer to tax-exempt reserves689-€1.42M
Profit (loss) for the period to be appropriated9905€27k€203k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€203k▲
Transfer to equity691/2€27k€203k▲
To the legal reserve6920-€7k
To other reserves6921€27k€195k▲
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2018net €1.46M ▲32396%
Operating result €1.97M, net result €1.46M, both a record.
30-06
Financial
Liquidity times 6current ratio 9.55
Current ratio from 1.61 to 9.55; short-term debt falls from €2.60M to €234k.
30-06
Financial
Equity above €2MEq €2.66M ▲122%
2 profitable years in a row build equity to €2.66M.
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
30-06
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-06
Financial
Liquidity times 1061current ratio 1.61
Current ratio from 0.00 to 1.61.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-123k ▼484%
Net result drops to €-123k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €1MEq €1.19M ▲1742%
Equity rises from €65k to €1.19M.
2022
10-02
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
08-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
12-02
NBB filing
Annual accounts filed
fiscal year 2015 · full 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, Izegem · 1 establishment unit since 2009
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.
Reperstraat 1578870 IzegemGround area
1.0 ha
Building footprint
3,604 m²
Volume, LiDAR
16,696 m³
Parcel 36492A1107/02M000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IMMO DECAIGNY
since 20092.175.487.492
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36492A1107/02M000 | Flanders | 1.0 ha | 1 · 3,604 m² | 7.9 m · 1 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 10,055 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-2008
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.