IMMO DUBOIS
ActiveSummary
IMMO DUBOIS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.81M and a net result of €127k. Equity is growing by ~8.8% per year across the filed fiscal years. Its solvency ranks better than 82% of 4539 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
Profitability73=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 2.58 against 1.86 in 2024; short-term debt: 11.6% and cash: 9.7% of total assets), and 17.7% 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+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 · 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
82.3%
Return on assets
3.7%
Age of the figures
9 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
28 d late
2023
57 d late
2022
60 d late
2021
3 d late
2020
30 d late
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€127k▼ 2.7%
2024 · €130k
2018: €161k
2019: €110k
2020: €122k
2021: €168k
2022: €147k
2023: €404k
2024: €130k
2018 → 2025
Working capital
€626k▲ 44.0%
2024 · €435k
2018: €-398k
2019: €-493k
2020: €-337k
2021: €64k
2022: €-214k
2023: €398k
2024: €435k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.00M-€2.14M▲ 7.4%€2.55M▲ 18.9%€2.68M▲ 5.1%€2.81M▲ 4.7%
Operating result€259k-€242k▼ 6.9%€534k▲ 121%€224k▼ 58.0%€193k▼ 14.2%
Net result€168k-€147k▼ 12.6%€404k▲ 175%€130k▼ 67.8%€127k▼ 2.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.41M
Fixed assets
€2.39M ▼ 4.3%
Current assets
€1.02M ▲ 9.0%
Equity and liabilities €3.41M
Equity
€2.81M ▲ 4.7%
Provisions
€90k ▼ 3.8%
Debt
€515k ▼ 22.0%
Debt's share of the balance-sheet total falls from 19.2% to 15.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€311k▼
2024 · €339k
Cash flow
€246k▲
2024 · €245k
Current ratio
2.58▲
2024 · 1.86
Debt to equity
0.18▼
2024 · 0.25
ROE
4.5%▼
2024 · 4.9%
ROA
3.7%▼
2024 · 3.8%
Interest coverage
17.54▲
2024 · 12.69
Debt ≤ 1 year
€396k▼
2024 · €503k
Debt > 1 year
€104k▼
2024 · €139k
Income taxes
€69k▼
2024 · €71k
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 · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.43M€3.41M▼
Fixed assets21/28€2.50M€2.39M▼
Tangible fixed assets22/27€2.50M€2.39M▼
Land and buildings22€2.49M€2.38M▼
Other tangible fixed assets26€10k€10k=
Current assets29/58€937k€1.02M▲
Amounts receivable within one year40/41€708k€688k▼
Trade receivables40€150k€0▼
Other amounts receivable41€558k€688k▲
Cash at bank and in hand54/58€229k€331k▲
Deferred charges and accrued income490/1€342€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.43M€3.41M▼
Equity10/15€2.68M€2.81M▲
Contributions10/11€131k€131k=
Capital10€131k€131k=
Issued capital100€131k€131k=
Reserves13€300k€289k▼
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Tax-exempt reserves132€280k€269k▼
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€2.25M€2.39M▲
Provisions and deferred taxes16€93k€90k▼
Deferred taxes168€93k€90k▼
Amounts payable17/49€660k€515k▼
Amounts payable after more than one year17€139k€104k▼
Financial debts170/4€139k€104k▼
Amounts payable within one year42/48€503k€396k▼
Current portion of amounts payable after more than one year42€35k€35k▲
Trade debts44€9k€926▼
Suppliers440/4€9k€926▼
Taxes, remuneration and social security45€61k€86k▲
Taxes450/3€61k€86k▲
Other amounts payable47/48€398k€274k▼
Accrued charges and deferred income492/3€18k€14k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€115k€119k▲
Other operating charges640/8€28k€18k▼
Gross operating margin9900€367k€329k▼
Operating profit (loss)9901€224k€193k▼
Financial income75/76B€0€17k▲
Recurring financial income75€0€17k▲
Financial charges65/66B€27k€18k▼
Recurring financial charges65€27k€18k▼
Profit (loss) for the period before taxes9903€198k€192k▼
Transfer from deferred taxes780€4k€4k=
Transfer to deferred taxes680€0-
Income taxes67/77€71k€69k▼
Profit (loss) for the period9904€130k€127k▼
Transfer from tax-exempt reserves789€11k€11k=
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€141k€138k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.25M€2.39M▲
Profit (loss) brought forward from the previous period14P€2.11M€2.25M▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 27 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 57 days late
2023
31-12
Financial
Highest result since 2018net €404k ▲175%
Operating result €534k, net result €404k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.66
Current ratio from 0.80 to 1.66; short-term debt falls from €1.07M to €603k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
2022
31-12
Financial
Equity above €2MEq €2.14M ▲7.4%
5 profitable years in a row build equity to €2.14M.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 3 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.09
Current ratio from 0.50 to 1.09.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €110k ▼31.8%
Net result drops to €110k, the lowest in the series; recovery starts the following year.
Show earlier events
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
14-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 45 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Mouscron
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.
Koningin Astridlaan 207700 MouscronGround area
528 m²
Building footprint
121 m²
Volume, LiDAR
867 m³
Parcel 54436A0567/00B000, Wallonia · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54436A0567/00B000 | Wallonia | 528 m² | 1 · 121 m² | 9.5 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.
Similar companies · same sector, comparable size
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MABU
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Walinca
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Kuang Group
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 2,341 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-08-2005
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.