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IMMO ELZEN

Active
Public limited companyfounded 199233 years activeDe Rest 10, 2970 Schilde, BelgiumKBO/BCE: BE 0449.247.580
Summary

IMMO ELZEN has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of €3,869. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is < 0.1% (very low).

Overview

Activity
Activity not known1 site
Size
€1.5mtotal assets 2025
Equity
€1.4m
Profit
€3,869
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy probability, 12 months
< 0.1%
Structure
Accounts 81 days early0 of 7 deeds read
Why 94- Liquidity: current ratio 75.56, cash €31,041+ Size: total assets €1.5m+ Equity €1.4m (90.6% of total assets)+ Figures for FY 2025 (filed 11-05-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 48% of its sector peers (no NACE code, micro)
Financial strength · tick = 2024
Average
Solvency 100=
equity 90.6% of total assets
Liquidity 53+2
short-term debt 1.1% · cash 2.0%
Profitability 19-1
return on assets 0.3%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: 0.1%▲ +0.1 percentage points vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026highest value 06-2026: < 0.1%▼ -0.1 percentage points vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value
Credit up to €130,000 at 30 days acceptable
Liquidity ample (current ratio 75.56 against 12.2 in 2024; short-term debt: 1.1% and cash: 2% of total assets), and 9.4% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, micro): better than 81% on solvency, 46% on liquidity, 17% on profitability and 49% on growth.

The bankruptcy probability was computed on 06-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.5m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €1.4m (90.6% of total assets)
NBB · annual accounts
raises risk · Liquidity: current ratio 75.56, cash €31,041
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 11-05-2026)
NBB · annual accounts
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 11-05-2026, 81 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
81 days early
2024
73 days early
2023
84 days early
2022
82 days early
2021
26 days early
2020
86 days early
2019
81 days early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 73 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

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. Usually files around 11 May (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity times 6current ratio 75.56
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 6 profitable years in a rowprofit 2025: €3,869 6 years View
  • Active since 1992founded 22-12-1992 33 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.5m
Profit
€3,869
Solvency
90.6%
Total assets▼ 14.3%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2018
Next accounts
by 31-07-2027
  1. 07-08-2024Annual accounts filed
  2. 08-05-2024Annual accounts filed
  3. 31-12-2023Highest result since 2018
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Founded
22-12-1992
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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