IMMO DIAL
ActiveSummary
The computed 12-month bankruptcy probability of IMMO DIAL is 2.1% (moderate). For IMMO DIAL, at least two filing cycles of the annual accounts are missing. The 2022 annual accounts show equity of €70k and a net result of €28k. Equity is growing by ~6.1% per year across the filed fiscal years. The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2022 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2022 · tick = 2021
Profitability90▲+54
Solvency66▲+21
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2022Solvency, return and age of the figures
Solvency
41.4%
Return on assets
16.9%
Age of the figures
54 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-03-2023, 3 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-03-2023 close31-10-2023 deadline25-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-03-2022 was due by 31-10-2022 and was filed on 09-11-2022, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
not filed
2022
9 d late
2021
24 d late
2020
199 d late
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2022, micro schema
Equity
€70k▲ 69.2%
2021 · €41k
2019: €46k
2020: €42k▼ -9.0% vs 2019
2021: €41k▼ -1.9% vs 2020lowest in 4 years
2022: €70k▲ +69.2% vs 2021highest in 4 years
2019 → 2022
Total assets
€168k▼ 18.0%
2021 · €205k
2019: €222khighest in 4 years
2020: €213k▼ -3.7% vs 2019
2021: €205k▼ -3.8% vs 2020
2022: €168k▼ -18.0% vs 2021lowest in 4 years
2019 → 2022
Net result
€28k
2021 · €-1k
2019: €-4k
2020: €-4k▼ -0.6% vs 2019lowest in 4 years
2021: €-1k▲ +64.9% vs 2020
2022: €28k▲ +2059% vs 2021highest in 4 years
2019 → 2022
Working capital
€-92k▲ 28.6%
2021 · €-128k
2019: €-140klowest in 4 years
2020: €-136k▲ +2.8% vs 2019
2021: €-128k▲ +5.4% vs 2020
2022: €-92k▲ +28.6% vs 2021highest in 4 years
2019 → 2022
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2019202020212022Trend
Equity€46k-€42k▼ 9.0%€41k▼ 1.9%€70k▲ 69.2%
2019: €46k
2020: €42k▼ -9.0% vs 2019
2021: €41k▼ -1.9% vs 2020lowest in 4 years
2022: €70k▲ +69.2% vs 2021highest in 4 years
Operating result€2k-€6k▲ 233%€3k▼ 52.3%€32k▲ 996%
2019: €2klowest in 4 years
2020: €6k▲ +233% vs 2019
2021: €3k▼ -52.3% vs 2020
2022: €32k▲ +996% vs 2021highest in 4 years
Net result€-4k-€-4k▼ 0.6%€-1k▲ 64.9%€28k
2019: €-4k
2020: €-4k▼ -0.6% vs 2019lowest in 4 years
2021: €-1k▲ +64.9% vs 2020
2022: €28k▲ +2059% vs 2021highest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2022; 2022 is 996% above 2021 and is the highest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €168k
Fixed assets
€161k ▼ 4.9%
Current assets
€7k ▼ 80.6%
Equity and liabilities €168k
Equity
€70k ▲ 69.2%
Debt
€99k ▼ 39.9%
Debt's share of the balance-sheet total falls from 79.9% to 58.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2021 · €11k
Cash flow
€37k▲
2021 · €7k
Current ratio
0.07▼
2021 · 0.22
Debt to equity
1.42
ROE
40.9%▲
2021 · -3.5%
ROA
16.9%▲
2021 · -0.7%
Interest coverage
13.41
Debt ≤ 1 year
€99k▼
2021 · €164k
Income taxes
€496▼
2021 · €743
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2022 against 2021 · 32 lines
Balance sheet
Code20212022
Assets
Total assets20/58€205k€168k▼
Fixed assets21/28€170k€161k▼
Tangible fixed assets22/27€164k€156k▼
Land and buildings22-€156k
Financial fixed assets28€5k€5k=
Current assets29/58€36k€7k▼
Stocks and contracts in progress3€35k-
Cash at bank and in hand54/58€152€7k▲
Equity and liabilities
Total equity and liabilities10/49€205k€168k▼
Equity10/15€41k€70k▲
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Profit (loss) carried forward14€23k€51k▲
Amounts payable17/49€164k€99k▼
Amounts payable within one year42/48€164k€99k▼
Trade debts44€35k€91k▲
Suppliers440/4-€91k
Other amounts payable47/48-€7k
Income statement
Code20212022
Goods, raw materials, services and sundry goods60/61-€94k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8-€4k
Gross operating margin9900€15k€44k▲
Operating profit (loss)9901€3k€32k▲
Financial charges65/66B-€3k
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€-711€29k▲
Income taxes67/77€743€496▼
Profit (loss) for the period9904€-1k€28k▲
Profit (loss) for the period to be appropriated9905€-1k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906-€51k
Profit (loss) brought forward from the previous period14P-€23k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €94k | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €8k | €8k | €8k | = |
| Other operating charges640/8 | - | - | - | €4k | - |
| Gross operating margin9900 | €13k | €18k | €15k | €44k | ▲ 184% |
| Operating profit (loss)9901 | €2k | €6k | €3k | €32k | ▲ 996% |
| Financial charges65/66B | - | - | - | €3k | - |
| Recurring financial charges65 | €3k | €5k | €4k | €3k | ▼ 17.2% |
| Profit (loss) for the period before taxes9903 | €-2k | €1k | €-711 | €29k | ▲ 4,177% |
| Income taxes67/77 | €3k | €5k | €743 | €496 | ▼ 33.2% |
| Profit (loss) for the period9904 | €-4k | €-4k | €-1k | €28k | ▲ 2,059% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-4k | €-1k | €28k | ▲ 2,059% |
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €222k | €213k | €205k | €168k | ▼ 18.0% |
| Fixed assets21/28 | €186k | €178k | €170k | €161k | ▼ 4.9% |
| Tangible fixed assets22/27 | €181k | €172k | €164k | €156k | ▼ 5.1% |
| Land and buildings22 | - | - | - | €156k | - |
| Financial fixed assets28 | €5k | €5k | €5k | €5k | = |
| Current assets29/58 | €35k | €35k | €36k | €7k | ▼ 80.6% |
| Stocks and contracts in progress3 | €35k | €35k | €35k | - | - |
| Cash at bank and in hand54/58 | - | €11 | €152 | €7k | ▲ 4,444% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €222k | €213k | €205k | €168k | ▼ 18.0% |
| Equity10/15 | €46k | €42k | €41k | €70k | ▲ 69.2% |
| Contributions10/11 | €19k | €19k | €19k | €19k | = |
| Capital10 | - | - | - | €19k | - |
| Issued capital100 | - | - | - | €19k | - |
| Profit (loss) carried forward14 | €28k | €23k | €23k | €51k | ▲ 126% |
| Amounts payable17/49 | €176k | €171k | €164k | €99k | ▼ 39.9% |
| Amounts payable within one year42/48 | €175k | €171k | €164k | €99k | ▼ 39.9% |
| Trade debts44 | €36k | €36k | €35k | €91k | ▲ 160% |
| Suppliers440/4 | - | - | - | €91k | - |
| Other amounts payable47/48 | - | - | - | €7k | - |
| Line | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-4k | €-1k | €28k | ▲ 2,059% |
| + Depreciation and write-downs630 | €8k | €8k | €8k | €8k | = |
| Operating cash flow (approximation) | €4k | €4k | €7k | €37k | ▲ 438% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | - | €141 | €7k | ▲ 4,691% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2022
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
31-03
Financial
Back to profitnet €28k
Net result €28k after 3 loss-making years.
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 199 days late
2020
31-03
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2017
09-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2016
03-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
22-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2014
27-11
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 27 days late
2013
06-11
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Charleroi · 1 establishment unit since 2007
Ground area
3,107 m²
Building footprint
1,033 m²
Volume, LiDAR
23,255 m³
2 parcels, Wallonia · tallest building 32.7 m, ±10 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
IMMO DIAL
since 20072.162.909.958
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52342A0989/00C057 | Wallonia | 1,677 m² | 1 · 286 m² | 6.3 m · 2 fl. |
| 52011C0195/00N000 | Wallonia | 1,430 m² | 1 · 748 m² | 32.6 m · 10 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-03-2007
Fiscal year end31-03
Scores and ratios are computed by Checked and are not a credit decision.