IMMO E&J
ActiveIMMO E&J has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2k) and a net result of €85k. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+6
Solvency25▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.32 against 0.16 in 2024; short-term debt: 100.1% and cash: 15% of total assets), and equity is negative.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 9183 sector peers (2025).
NBB · sector comparisonPosition among 9183 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
119 d late
2022
140 d late
2021
25 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-2k▲ 97.6%
2024 · €-87k
2021: €-106k
2022: €265
2023: €-106k
2024: €-87k
2021 → 2025
Total assets
€1.45M▲ 6.9%
2024 · €1.36M
2021: €1.13M
2022: €1.15M
2023: €1.04M
2024: €1.36M
2021 → 2025
Net result
€85k▲ 360%
2024 · €19k
2021: €-126k
2022: €106k
2023: €-106k
2024: €19k
2021 → 2025
Working capital
€-985k▲ 19.0%
2024 · €-1.22M
2021: €-891k
2022: €-501k
2023: €-720k
2024: €-1.22M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-106k-€265€-106k€-87k▲ 17.5%€-2k▲ 97.6%
Operating result€-125k-€113k€-101k€26k€95k▲ 271%
Net result€-126k-€106k€-106k€19k€85k▲ 360%
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 271% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€983k▼ 12.9%
Current assets
€470k▲ 104%
Key figures and ratios
EBITDA
€957k▲
2024 · €386k
Cash flow
€948k▲
2024 · €379k
Solvency
-0.1%▲
2024 · -6.4%
Current ratio
0.32▲
2024 · 0.16
Quick ratio
0.32▲
2024 · 0.16
ROA
5.9%▲
2024 · 1.4%
Interest coverage
71.38▲
2024 · 33.97
Debt
€1.46M▲
2024 · €1.45M
Debt ≤ 1 year
€1.46M▲
2024 · €1.45M
A ratio outside any meaningful range has been withheld (balance sheet total €1.45M, equity €-2k).
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€1.36M€1.45M▲
Fixed assets21/28€1.13M€983k▼
Tangible fixed assets22/27€1.13M€982k▼
Land and buildings22€1.09M€967k▼
Plant, machinery and equipment23€6k€12k▲
Furniture and vehicles24€26k€3k▼
Financial fixed assets28€1k€1k=
Current assets29/58€230k€470k▲
Amounts receivable within one year40/41€161k€253k▲
Other amounts receivable41€161k€253k▲
Cash at bank and in hand54/58€70k€217k▲
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.45M▲
Equity10/15€-87k€-2k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Profit (loss) carried forward14€-107k€-22k▲
Amounts payable17/49€1.45M€1.46M▲
Amounts payable within one year42/48€1.45M€1.46M▲
Current portion of amounts payable after more than one year42€192k€200k▲
Trade debts44€31k€34k▲
Suppliers440/4€31k€34k▲
Taxes, remuneration and social security45€5k€386▼
Taxes450/3€5k€386▼
Other amounts payable47/48€1.22M€1.22M▲
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€360k€863k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€389k€960k▲
Operating profit (loss)9901€26k€95k▲
Financial income75/76B€4k€4k▼
Recurring financial income75€4k€4k▼
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€19k€85k▲
Profit (loss) for the period9904€19k€85k▲
Profit (loss) for the period to be appropriated9905€19k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-107k€-22k▲
Profit (loss) brought forward from the previous period14P€-126k€-107k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 119 days late
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 140 days late
2022
31-12
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
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, Sint-Truiden · 1 establishment unit since 2020
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.
Halmaal-Dorp 353800 Sint-TruidenGround area
1,336 m²
Building footprint
191 m²
Volume, LiDAR
10 m³
Parcel 71021A0217/00N000, Flanders · tallest building 5.6 m. Linked by address, not a title deed.
1 establishment unit
IMMO E&J
since 20202.302.511.665
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71021A0217/00N000 | Flanders | 1,336 m² | 1 · 191 m² | 5.6 m |
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
NIVEL
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IMMO LIMBURGIA
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EMCO
BE 0477.666.107
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OZDIL GROUP
BE 0752.532.334
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Emmy Helena
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Destelbergen · Eq €302
Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 186 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2020
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.