IMMO DOUWES 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 €332k and a net result of €46k. Equity is growing by ~21.4% per year across the filed fiscal years. Its solvency ranks better than 82% of 1469 sector peers (fiscal year 2025). The company has been active since 1984 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
70 d late
2022
248 d late
2021
26 d late
2020
27 d late
2019
97 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€332k▲ 16.2%
2024 · €286k
2018: €90k
2019: €103k
2020: €116k
2021: €117k
2022: €336k
2023: €278k
2024: €286k
2018 → 2025
Net result
€46k▲ 24.7%
2024 · €37k
2018: €9k
2019: €13k
2020: €14k
2021: €11k
2022: €218k
2023: €-29k
2024: €37k
2018 → 2025
Total assets
€426k=
2024 · €426k
2018: €534k
2019: €541k
2020: €552k
2021: €552k
2022: €438k
2023: €407k
2024: €426k
2018 → 2025
Solvency
78.0%▲ 10.9pp
2024 · 67.1%
2018: 16.9%
2019: 19.0%
2020: 21.1%
2021: 21.3%
2022: 76.6%
2023: 68.3%
2024: 67.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€336k▲ 186%€278k▼ 17.2%€286k▲ 2.9%€332k▲ 16.2%
Operating result€3k-€213k▲ 8,322%€-30k€44k€64k▲ 44.2%
Net result€11k-€218k▲ 1,879%€-29k€37k€46k▲ 24.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €426k
Fixed assets
€367k=
Current assets
€59k▼ 0.3%
Equity and liabilities €426k
Equity
€332k▲ 16.2%
Debt
€94k▼ 33.1%
The debt ratio falls from 32.9% to 22.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
78.0%▲
2024 · 67.1%
ROE
13.9%▲
2024 · 12.9%
ROA
10.8%▲
2024 · 8.7%
Debt
€94k▼
2024 · €140k
Debt ≤ 1 year
€50k▼
2024 · €86k
Debt > 1 year
€43k▼
2024 · €54k
Income taxes
€17k▲
2024 · €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€426k€426k=
Fixed assets21/28€367k€367k=
Financial fixed assets28€367k€367k=
Current assets29/58€59k€59k▼
Amounts receivable within one year40/41€53k€39k▼
Trade receivables40€53k€26k▼
Other amounts receivable41€0€14k▲
Cash at bank and in hand54/58€6k€20k▲
Equity and liabilities
Total equity and liabilities10/49€426k€426k=
Equity10/15€286k€332k▲
Contributions10/11€9k€9k=
Reserves13€277k€323k▲
Distributable reserves133€277k€323k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€140k€94k▼
Amounts payable after more than one year17€54k€43k▼
Financial debts170/4€54k€43k▼
Amounts payable within one year42/48€86k€50k▼
Current portion of amounts payable after more than one year42€11k€11k=
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3€17k€12k▼
Other amounts payable47/48€51k€17k▼
Income statement
Code20242025
Other operating charges640/8€512€553▲
Non-recurring operating charges66A€0-
Gross operating margin9900€45k€64k▲
Operating profit (loss)9901€44k€64k▲
Financial income75/76B€0€245▲
Recurring financial income75€0€245▲
Financial charges65/66B€329€255▼
Recurring financial charges65€329€255▼
Profit (loss) for the period before taxes9903€44k€64k▲
Income taxes67/77€7k€17k▲
Profit (loss) for the period9904€37k€46k▲
Profit (loss) for the period to be appropriated9905€37k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€46k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€29k€0▼
Transfer to equity691/2€37k€46k▲
To other reserves6921€37k€46k▲
Profit to be distributed694/7€29k€0▼
Return on contributions (dividend)694€29k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (7 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Back to profitnet €37k
Net result €37k after one loss-making year.
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 70 days late
04-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 248 days late
2023
31-12
Financial
Weakest financial yearnet €-29k ▼113%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
2022
31-12
Financial
Highest result since 2018net €218k ▲1879%
Operating result €213k, net result €218k, both a record.
31-12
Financial
Equity above €200kEq €336k ▲186%
5 profitable years in a row build equity to €336k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
31-12
Financial
Equity above €100kEq €103k ▲14%
2 profitable years in a row build equity to €103k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-12
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 150 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bonheiden · 1 establishment unit since 1994
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.
Kerseleerveld 92820 BonheidenGround area
2,670 m²
Building footprint
423 m²
Volume, LiDAR
1,959 m³
2 parcels, Flanders · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO DOUWES
since 19942.026.031.971
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0129/00T002 | Flanders | 2,009 m² | 1 · 263 m² | 13.0 m · 1 fl. |
| 12005A0213/00L002 | Flanders | 661 m² | 1 · 160 m² | 8.9 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 165 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 165 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-11-1984
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70311
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 41 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.