IMMO DECLERCK
ActiveIMMO DECLERCK has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €188k and a net result of €2k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +42 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▲+4
Solvency67=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.42 against 0.12 in 2024), and 28.5% 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○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 · 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
71.5%
Return on assets
0.6%
Age of the figures
8 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
3 d early
2023
15 d early
2022
18 d early
2021
2 d early
2020
12 d early
2019
40 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€188k▲ 0.8%
2024 · €186k
2018: €97k
2019: €59k
2020: €25k
2021: €300k
2022: €261k
2023: €227k
2024: €186k
2018 → 2025
Total assets
€263k▲ 4.1%
2024 · €252k
2018: €130k
2019: €101k
2020: €50k
2021: €342k
2022: €294k
2023: €276k
2024: €252k
2018 → 2025
Net result
€2k
2024 · €-41k
2018: €10k
2019: €-37k
2020: €-15k
2021: €-4k
2022: €-39k
2023: €-34k
2024: €-41k
2018 → 2025
Working capital
€-39k▲ 23.2%
2024 · €-50k
2018: €94k
2019: €58k
2020: €23k
2021: €31k
2022: €4k
2023: €-18k
2024: €-50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€300k-€261k▼ 12.9%€227k▼ 12.9%€186k▼ 18.0%€188k▲ 0.8%
Operating result€-3k-€-38k▼ 1,229%€-33k▲ 12.8%€-41k▼ 24.6%€1k
Net result€-4k-€-39k▼ 948%€-34k▲ 12.9%€-41k▼ 21.0%€2k
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 returns to profit in 2025: €1k after a loss of €41k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€234k▼ 4.4%
Current assets
€28k▲ 301%
Equity and liabilities €263k
Equity
€188k▲ 0.8%
Provisions
€8k▼ 7.5%
Debt
€67k▲ 16.6%
The debt ratio rises from 22.7% to 25.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€11k▲
2024 · €-30k
Cash flow
€11k▲
2024 · €-30k
Solvency
71.5%▼
2024 · 73.9%
Current ratio
0.42▲
2024 · 0.12
Quick ratio
0.42▲
2024 · 0.12
Debt / equity
0.36▲
2024 · 0.31
ROE
0.8%▲
2024 · -21.9%
ROA
0.6%▲
2024 · -16.2%
Interest coverage
123.06▲
2024 · -316.07
Debt
€67k▲
2024 · €57k
Debt ≤ 1 year
€67k▲
2024 · €57k
Income taxes
€185▼
2024 · €313
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€252k€263k▲
Fixed assets21/28€245k€234k▼
Tangible fixed assets22/27€245k€234k▼
Land and buildings22€244k€234k▼
Furniture and vehicles24€986€0▼
Current assets29/58€7k€28k▲
Amounts receivable within one year40/41€998€23k▲
Trade receivables40€998€23k▲
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€4k€590▼
Equity and liabilities
Total equity and liabilities10/49€252k€263k▲
Equity10/15€186k€188k▲
Contributions10/11€186k€186k=
Reserves13€105k€103k▼
Tax-exempt reserves132€34k€32k▼
Distributable reserves133€71k€71k=
Profit (loss) carried forward14€-105k€-101k▲
Provisions and deferred taxes16€9k€8k▼
Deferred taxes168€9k€8k▼
Amounts payable17/49€57k€67k▲
Amounts payable within one year42/48€57k€67k▲
Trade debts44€197€548▲
Suppliers440/4€197€548▲
Taxes, remuneration and social security45€2k€281▼
Taxes450/3€2k€281▼
Other amounts payable47/48€55k€66k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€-25k€14k▲
Operating profit (loss)9901€-41k€1k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€95€89▼
Recurring financial charges65€95€89▼
Profit (loss) for the period before taxes9903€-41k€1k▲
Transfer from deferred taxes780€681€640▼
Income taxes67/77€313€185▼
Profit (loss) for the period9904€-41k€2k▲
Transfer from tax-exempt reserves789€3k€3k▼
Profit (loss) for the period to be appropriated9905€-38k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-105k€-101k▲
Profit (loss) brought forward from the previous period14P€-67k€-105k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (8 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 6 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €300k ▲1083%
Equity rises from €25k to €300k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kruisem · 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.
Lozerstraat(HUS) 219770 KruisemGround area
3,745 m²
Building footprint
761 m²
Volume, LiDAR
7,335 m³
2 parcels, Flanders · tallest building 25.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Immo Declerck
since 20102.193.212.857
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45053C0469/00B000 | Flanders | 1,979 m² | 1 · 311 m² | 25.9 m · 6 fl. |
| 45017A1088/00E000 | Flanders | 1,766 m² | 1 · 450 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
L.V.B. - VANDENBULCKE
BE 0425.574.632
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PATRIMMONIA
BE 0876.453.792
Nazareth-De Pinte · Eq €188k
Maes-Van Betsbrugge
BE 0835.449.914
Menen · Eq €188k
VASTGOED SCHEPENS
BE 0478.359.458
Deinze · Eq €188k
S.A. IMMOMATH
BE 0448.502.462
Meix-devant-Virton · Eq €188k
Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 5,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2010
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
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 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.