IMMO DESIGN
ActiveIMMO DESIGN has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425k and a net result of €15k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-2
Solvency100=
Growth35▼-43
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 13.91 against 7.13 in 2024; short-term debt: 4.8% and cash: 7.1% of total assets), and 15.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
84.1%
Return on assets
2.9%
Age of the figures
9 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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
56 d late
2023
7 d early
2022
101 d late
2021
60 d late
2020
66 d late
2019
52 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€231k▼ 15.0%
2024 · €271k
2024: €271k
2024 → 2025
EBIT margin
9.4%▼ 3.1pp
2024 · 12.4%
2024: 12.4%
2024 → 2025
Net result
€15k▼ 37.4%
2024 · €23k
2018: €23k
2019: €11k
2020: €28k
2021: €80k
2022: €3k
2023: €4k
2024: €23k
2018 → 2025
Working capital
€311k▲ 5.8%
2024 · €294k
2018: €187k
2019: €208k
2020: €228k
2021: €285k
2022: €276k
2023: €270k
2024: €294k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€271k€231k▼ 15.0%
Equity€380k-€384k▲ 0.9%€387k▲ 1.0%€411k▲ 6.0%€425k▲ 3.6%
Operating result€113k-€8k▼ 93.2%€8k▲ 4.3%€34k▲ 317%€22k▼ 35.9%
Net result€80k-€3k▼ 95.7%€4k▲ 10.8%€23k▲ 520%€15k▼ 37.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €506k
Fixed assets
€170k▼ 5.1%
Current assets
€335k▼ 2.0%
Equity and liabilities €506k
Equity
€425k▲ 3.6%
Debt
€81k▼ 27.5%
The debt ratio falls from 21.3% to 15.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €55k
Cash flow
€38k▼
2024 · €44k
Solvency
84.1%▲
2024 · 78.7%
Current ratio
13.91▲
2024 · 7.13
Quick ratio
11.66▲
2024 · 5.34
Debt / equity
0.19▼
2024 · 0.27
ROE
3.4%▼
2024 · 5.7%
ROA
2.9%▼
2024 · 4.5%
Interest coverage
24.89▼
2024 · 25.32
Debt
€81k▼
2024 · €111k
Debt ≤ 1 year
€24k▼
2024 · €48k
Debt > 1 year
€56k▼
2024 · €63k
Income taxes
€6k▼
2024 · €9k
Staff costs
€17k▲
2024 · €16k
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€522k€506k▼
Fixed assets21/28€180k€170k▼
Tangible fixed assets22/27€146k€137k▼
Land and buildings22€124k€112k▼
Furniture and vehicles24€22k€22k▲
Assets under construction and advance payments27-€2k
Financial fixed assets28€34k€34k=
Current assets29/58€342k€335k▼
Amounts receivable after more than one year29-€6k
Other amounts receivable291-€6k
Stocks and contracts in progress3€86k€54k▼
Stocks30/36€86k€54k▼
Contracts in progress37€0-
Amounts receivable within one year40/41€202k€229k▲
Trade receivables40€22k€46k▲
Other amounts receivable41€180k€183k▲
Current investments50/53€78€78=
Cash at bank and in hand54/58€46k€36k▼
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€522k€506k▼
Equity10/15€411k€425k▲
Contributions10/11€68k€68k=
Reserves13€342k€357k▲
Tax-exempt reserves132€35k€35k=
Distributable reserves133€307k€322k▲
Profit (loss) carried forward14€446€557▲
Amounts payable17/49€111k€81k▼
Amounts payable after more than one year17€63k€56k▼
Financial debts170/4€63k€56k▼
Amounts payable within one year42/48€48k€24k▼
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€11k€1k▼
Suppliers440/4€11k€1k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€8k€15k▲
Taxes450/3€6k€12k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€22k€1k▼
Accrued charges and deferred income492/3€131€0▼
Income statement
Code20242025
Turnover70€271k€231k▼
Non-recurring operating income76A€14k-
Goods, raw materials, services and sundry goods60/61€192k€167k▼
Remuneration, social security and pensions62€16k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€5k-
Gross operating margin9900€79k€64k▼
Operating profit (loss)9901€34k€22k▼
Financial income75/76B€776€696▼
Recurring financial income75€776€696▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€32k€21k▼
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€23k€15k▼
Profit (loss) for the period to be appropriated9905€23k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€15k▼
Profit (loss) brought forward from the previous period14P€115€446▲
Transfer to equity691/2€23k€15k▼
To other reserves6921€23k€15k▼
The notes to these accounts (11 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.96
Current ratio from 3.44 to 6.96; short-term debt falls from €113k to €45k.
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
2022
31-12
Financial
Weakest financial yearnet €3k ▼95.7%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Highest result since 2018net €80k ▲182%
Operating result €113k, net result €80k, both a record.
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 66 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 52 days late
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 49 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
2017
28-07
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
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, Couvin · 1 establishment unit since 2001
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.
Route de Nismes, Fra. 205660 CouvinGround area
801 m²
Building footprint
116 m²
Parcel 93026E0374/00E002, Wallonia. Linked by address, not a title deed.
1 establishment unit
CLUB IMMOBILIER SUD-Stema
since 20012.131.706.048
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93026E0374/00E002 | Wallonia | 800 m² | 1 · 116 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
894500P04CIY29Z63285
Similar companies · same sector, comparable size
COSEGIMO
BE 0891.691.405
Colfontaine · Eq €425k
MISS MIYAGI
BE 0678.407.508
Leuven · Eq €425k
HaBo IMMO
BE 0643.529.276
Bree · Eq €425k
PORTUS CONSTRUCTION SERVICES
BE 0555.660.540
Diest · Eq €425k
ENDUVA
BE 0835.088.242
Brussel · Eq €425k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 4,879 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2001
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
41001General construction of residential buildings
45211
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.