IMMO DESCOLY
ActiveIMMO DESCOLY has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.32M and a net result of €146k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 90% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▲+2
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 32.16 against 24.03 in 2024), and 11.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
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
88.4%
Return on assets
5.6%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €2.3M
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
2 d early
2023
19 d early
2022
on the day
2021
6 d early
2020
8 d early
2019
27 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, micro schema
Equity
€2.32M▲ 6.7%
2024 · €2.18M
2018: €1.63M
2019: €2.12M
2020: €2.39M
2021: €2.51M
2022: €2.11M
2023: €2.05M
2024: €2.18M
2018 → 2025
Total assets
€2.63M▲ 5.5%
2024 · €2.49M
2018: €1.95M
2019: €2.55M
2020: €2.86M
2021: €2.88M
2022: €2.96M
2023: €2.58M
2024: €2.49M
2018 → 2025
Net result
€146k▲ 10.9%
2024 · €132k
2018: €99k
2019: €491k
2020: €277k
2021: €118k
2022: €102k
2023: €132k
2024: €132k
2018 → 2025
Working capital
€827k▲ 37.7%
2024 · €600k
2018: €584k
2019: €144k
2020: €490k
2021: €710k
2022: €399k
2023: €412k
2024: €600k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.51M-€2.11M▼ 15.8%€2.05M▼ 3.2%€2.18M▲ 6.5%€2.32M▲ 6.7%
Operating result€174k-€161k▼ 7.4%€186k▲ 15.9%€196k▲ 4.9%€200k▲ 2.2%
Net result€118k-€102k▼ 13.0%€132k▲ 29.2%€132k=€146k▲ 10.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 2% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.63M
Fixed assets
€1.78M▼ 4.9%
Current assets
€853k▲ 36.2%
Equity and liabilities €2.63M
Equity
€2.32M▲ 6.7%
Provisions
€278k▼ 3.8%
Debt
€27k▲ 1.7%
The debt ratio stays at 1.0%.
Key figures and ratios
EBITDA
€291k▲
2024 · €287k
Cash flow
€237k▲
2024 · €223k
Solvency
88.4%▲
2024 · 87.4%
Current ratio
32.16▲
2024 · 24.03
Quick ratio
32.16▲
2024 · 24.03
Debt / equity
0.01▼
2024 · 0.01
ROE
6.3%▲
2024 · 6.1%
ROA
5.6%▲
2024 · 5.3%
Interest coverage
587.20▲
2024 · 358.20
Debt
€27k▲
2024 · €26k
Debt ≤ 1 year
€27k▲
2024 · €26k
Income taxes
€80k▲
2024 · €74k
Staff costs
€21k▲
2024 · €21k
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€2.49M€2.63M▲
Fixed assets21/28€1.87M€1.78M▼
Tangible fixed assets22/27€1.87M€1.78M▼
Land and buildings22€1.87M€1.78M▼
Current assets29/58€627k€853k▲
Amounts receivable within one year40/41€42k€22k▼
Other amounts receivable41€42k€22k▼
Current investments50/53€173k€233k▲
Cash at bank and in hand54/58€411k€598k▲
Equity and liabilities
Total equity and liabilities10/49€2.49M€2.63M▲
Equity10/15€2.18M€2.32M▲
Contributions10/11€583k€583k=
Capital10€583k€583k=
Issued capital100€583k€583k=
Reserves13€1.59M€1.74M▲
Non-distributable reserves130/1€60k€60k=
Legal reserve130€58k€58k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€604k€578k▼
Distributable reserves133€931k€1.10M▲
Profit (loss) carried forward14€0-
Provisions and deferred taxes16€289k€278k▼
Deferred taxes168€289k€278k▼
Amounts payable17/49€26k€27k▲
Amounts payable within one year42/48€26k€27k▲
Trade debts44€1k€31▼
Suppliers440/4€1k€31▼
Taxes, remuneration and social security45€17k€19k▲
Taxes450/3€16k€17k▲
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€8k€8k=
Income statement
Code20242025
Remuneration, social security and pensions62€21k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€91k€91k▼
Other operating charges640/8€43k€34k▼
Gross operating margin9900€350k€345k▼
Operating profit (loss)9901€196k€200k▲
Financial income75/76B€107€16k▲
Recurring financial income75€107€16k▲
Financial charges65/66B€800€495▼
Recurring financial charges65€800€495▼
Profit (loss) for the period before taxes9903€195k€216k▲
Transfer from deferred taxes780€11k€11k=
Income taxes67/77€74k€80k▲
Profit (loss) for the period9904€132k€146k▲
Transfer from tax-exempt reserves789€26k€26k=
Profit (loss) for the period to be appropriated9905€158k€173k▲
Appropriation of the result
Profit (loss) to be appropriated9906€158k€173k▲
Transfer from equity791/2€0-
Transfer to equity691/2€158k€173k▲
To other reserves6921€158k€173k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 9current ratio 24.03
Current ratio from 2.76 to 24.03; short-term debt falls from €233k to €26k.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 15.57
Current ratio from 4.76 to 15.57; short-term debt falls from €130k to €49k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Highest result since 2018net €491k ▲394%
Operating result €697k, net result €491k, both a record.
31-12
Financial
Equity above €2MEq €2.12M ▲30.2%
2 profitable years in a row build equity to €2.12M.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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 1988
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.
Deinsesteenweg(KRU) 299770 KruisemGround area
1.2 ha
Building footprint
2,586 m²
Volume, LiDAR
17,847 m³
Parcel 45017A1131/00T000, Flanders · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Deinsesteenweg(KRU) 29, 9770 Kruisem
since 19882.040.688.473
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017A1131/00T000 | Flanders | 1.2 ha | 1 · 2,585 m² | 10.1 m · 2 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 11,702 companies in sector 68310 we hold annual accounts for 6,876. 2,583 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-09-1988
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.