Immo Fab
ActiveSummary
Immo Fab has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31,618 and a net result of -€2,335. Equity is growing by ~7.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability51▲+6
Solvency27=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.04 against 0.03 in 2024; short-term debt: 83.3% and cash: 2.6% of total assets), and 97.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
+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 2025Solvency, return and age of the figures
Solvency
2.2%
Return on assets
-0.2%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€2,335
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
10 d early
2024
12 d early
2023
7 d early
2022
11 d early
2021
21 d early
2020
19 d early
2019
49 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 18 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€31,618▼ 6.9%
2024 · €33,953
Total assets
€1.4m▼ 3.2%
2024 · €1.5m
Net result
-€2,335▲ 53.5%
2024 · -€5,026
Working capital
-€1.1m▲ 0.3%
2024 · -€1.1m
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€26,096▲ 31.2%€20,348▼ 22.0%€28,400▲ 39.6%€14,362▼ 49.4%€13,765▼ 4.2%
Net result€5,455▲ 549%€2,606▼ 52.2%€7,913▲ 204%-€5,026-€2,335▲ 53.5%
Equity€28,460▲ 23.7%€31,066▲ 9.2%€38,979▲ 25.5%€33,953▼ 12.9%€31,618▼ 6.9%
Total assets€1.7m▼ 2.1%€1.6m▼ 4.7%€1.6m▼ 1.0%€1.5m▼ 5.8%€1.4m▼ 3.2%
Debt€1.6m▼ 2.5%€1.5m▼ 4.9%€1.5m▼ 1.5%€1.4m▼ 5.6%€1.4m▼ 3.1%
Working capital-€806,659▲ 2.2%-€836,310▼ 3.7%-€811,511▲ 3.0%-€1.1m▼ 41.6%-€1.1m▲ 0.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 4% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.4m ▼ 3.4%
Current assets
€42,049 ▲ 3.7%
Equity and liabilities €1.4m
Equity
€31,618 ▼ 6.9%
Debt
€1.4m ▼ 3.1%
Debt's share of the balance-sheet total rises from 97.7% to 97.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€62,096▼
2024 · €62,694
Cash flow
€45,996▲
2024 · €43,306
Current ratio
0.04▲
2024 · 0.03
Debt to equity
44.14▲
2024 · 42.41
ROE
-7.4%▲
2024 · -14.8%
ROA
-0.2%▲
2024 · -0.3%
Interest coverage
3.86▲
2024 · 3.23
Debt ≤ 1 year
€1.2m▼
2024 · €1.2m
Debt > 1 year
€202,242▼
2024 · €244,118
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 912 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 95% are still going.
- Small
- 10 to 20 years old
- solvency under 10%
- a small loss
2.0%
went bankrupt
2.1%
stopped otherwise
95%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 912 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48,671 | €48,921 | €49,431 | €48,331 | €48,331 | = |
| Other operating charges640/8 | - | €6,301 | €6,427 | €7,091 | €7,322 | ▲ 3.3% |
| Gross operating margin9900 | €81,029 | €75,570 | €84,258 | €69,785 | €69,418 | ▼ 0.5% |
| Operating profit (loss)9901 | €26,096 | €20,348 | €28,400 | €14,362 | €13,765 | ▼ 4.2% |
| Financial charges65/66B | - | €16,337 | €16,527 | €19,388 | €16,100 | ▼ 17.0% |
| Recurring financial charges65 | €17,911 | €16,337 | €16,527 | €19,388 | €16,100 | ▼ 17.0% |
| Profit (loss) for the period before taxes9903 | €8,185 | €4,011 | €11,873 | -€5,026 | -€2,335 | ▲ 53.5% |
| Income taxes67/77 | €2,730 | €1,405 | €3,960 | - | - | - |
| Profit (loss) for the period9904 | €5,455 | €2,606 | €7,913 | -€5,026 | -€2,335 | ▲ 53.5% |
| Profit (loss) for the period to be appropriated9905 | €5,455 | €2,606 | €7,913 | -€5,026 | -€2,335 | ▲ 53.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.7m | €1.6m | €1.6m | €1.5m | €1.4m | ▼ 3.2% |
| Fixed assets21/28 | €1.6m | €1.5m | €1.5m | €1.4m | €1.4m | ▼ 3.4% |
| Tangible fixed assets22/27 | €1.6m | €1.5m | €1.5m | €1.4m | €1.4m | ▼ 3.4% |
| Land and buildings22 | - | €1.5m | €1.5m | €1.4m | €1.4m | ▼ 3.4% |
| Current assets29/58 | €81,050 | €49,674 | €83,100 | €40,530 | €42,049 | ▲ 3.7% |
| Amounts receivable within one year40/41 | - | - | - | €1,260 | - | - |
| Trade receivables40 | - | - | - | €1,260 | - | - |
| Cash at bank and in hand54/58 | €78,360 | €46,144 | €79,333 | €35,118 | €37,442 | ▲ 6.6% |
| Deferred charges and accrued income490/1 | - | €3,531 | €3,766 | €4,152 | €4,606 | ▲ 10.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.7m | €1.6m | €1.6m | €1.5m | €1.4m | ▼ 3.2% |
| Equity10/15 | €28,460 | €31,066 | €38,979 | €33,953 | €31,618 | ▼ 6.9% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €9,860 | €12,466 | €20,379 | €20,379 | €20,379 | = |
| Distributable reserves133 | - | €12,466 | €20,379 | €20,379 | €20,379 | = |
| Profit (loss) carried forward14 | - | - | - | -€5,026 | -€7,361 | ▼ 46.5% |
| Amounts payable17/49 | €1.6m | €1.5m | €1.5m | €1.4m | €1.4m | ▼ 3.1% |
| Amounts payable after more than one year17 | €737,545 | €656,765 | €625,624 | €244,118 | €202,242 | ▼ 17.2% |
| Financial debts170/4 | - | €656,765 | €625,624 | €244,118 | €202,242 | ▼ 17.2% |
| Amounts payable within one year42/48 | €887,709 | €885,984 | €894,611 | €1.2m | €1.2m | ▼ 0.1% |
| Current portion of amounts payable after more than one year42 | - | €30,780 | €31,141 | €31,506 | €31,876 | ▲ 1.2% |
| Trade debts44 | €621 | €379 | €716 | €785 | €808 | ▲ 3.0% |
| Suppliers440/4 | - | €379 | €716 | €785 | €808 | ▲ 3.0% |
| Advances received on contracts in progress46 | - | €1,975 | €1,419 | - | - | - |
| Taxes, remuneration and social security45 | - | €1,405 | €3,960 | - | - | - |
| Taxes450/3 | - | €1,405 | €3,960 | - | - | - |
| Other amounts payable47/48 | - | €851,445 | €857,375 | €1.2m | €1.2m | ▼ 0.2% |
| Accrued charges and deferred income492/3 | - | €7,124 | €5,719 | €5,954 | €4,709 | ▼ 20.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5,455 | €2,606 | €7,913 | -€5,026 | -€2,335 | ▲ 53.5% |
| + Depreciation and write-downs630 | €48,671 | €48,921 | €49,431 | €48,331 | €48,331 | = |
| Operating cash flow (approximation) | €54,126 | €51,527 | €57,344 | €43,306 | €45,996 | ▲ 6.2% |
| Investment in fixed assets (approximation) | - | -€3,058 | €0 | €0 | €0 | - |
| Change in cash | - | -€32,216 | €33,189 | -€44,216 | €2,325 | ▲ 105% |
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
Next filing, fiscal year 2026, expected by
2026
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet -€5,026
Net result drops to -€5,026, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €7,913 ▲204%
Operating result €28,400, net result €7,913, both a record.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Leuven · 1 establishment unit since 2016
Ground area
3,772 m²
Building footprint
3,176 m²
Volume, LiDAR
43,911 m³
Parcel 24062A0065/00W000, Flanders · tallest building 33.1 m, ±5 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Immo Fab
since 20162.252.164.410
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0065/00W000 | Flanders | 3,772 m² | 1 · 3,176 m² | 33.1 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Identification & contact
Identification
Legal formPrivate limited company
Founded07-04-2016
Fiscal year end30-06
E-invoicing
Reachable via Peppol
Peppol ID
0208:0651699151
Registered
24-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.