IMMO FACADE
ActiveIMMO FACADE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €236k and a net result of €41k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 7778 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+80
Solvency78=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 2.11 in 2024; short-term debt: 47.4% and cash: 20.2% of total assets), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
52.6%
Return on assets
9.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
134 d late
2023
42 d late
2022
64 d late
2021
32 d late
2020
59 d late
2019
96 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€41k
2024 · €-88k
2018: €63k
2019: €31k
2020: €-55k
2021: €-56k
2022: €64k
2023: €137k
2024: €-88k
2018 → 2025
Working capital
€209k▲ 21.1%
2024 · €173k
2018: €277k
2019: €302k
2020: €249k
2021: €192k
2022: €248k
2023: €238k
2024: €173k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€202k-€266k▲ 31.5%€282k▲ 6.2%€195k▼ 31.0%€236k▲ 21.1%
Operating result€-54k-€79k€196k▲ 149%€-131k€76k
Net result€-56k-€64k€137k▲ 114%€-88k€41k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €76k after a loss of €131k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €448k
Fixed assets
€27k▼ 28.6%
Current assets
€421k▲ 28.1%
Equity and liabilities €448k
Equity
€236k▲ 21.1%
Debt
€212k▲ 23.7%
The debt ratio rises from 46.8% to 47.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€89k▲
2024 · €-119k
Cash flow
€53k▲
2024 · €-76k
Solvency
52.6%▼
2024 · 53.2%
Current ratio
1.99▼
2024 · 2.11
Quick ratio
1.99▼
2024 · 2.11
Debt / equity
0.90▲
2024 · 0.88
ROE
17.4%▲
2024 · -45.0%
ROA
9.2%▲
2024 · -23.9%
Interest coverage
10.75▲
2024 · -37.71
Debt
€212k▲
2024 · €171k
Debt ≤ 1 year
€212k▲
2024 · €156k
Income taxes
€29k▲
2024 · €-46k
Staff costs
€254k▼
2024 · €268k
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€366k€448k▲
Fixed assets21/28€37k€27k▼
Tangible fixed assets22/27€31k€20k▼
Plant, machinery and equipment23€1k€738▼
Furniture and vehicles24€30k€20k▼
Financial fixed assets28€6k€6k=
Current assets29/58€329k€421k▲
Amounts receivable within one year40/41€207k€313k▲
Trade receivables40€161k€271k▲
Other amounts receivable41€45k€42k▼
Cash at bank and in hand54/58€105k€90k▼
Deferred charges and accrued income490/1€17k€17k▲
Equity and liabilities
Total equity and liabilities10/49€366k€448k▲
Equity10/15€195k€236k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€174k€215k▲
Amounts payable17/49€171k€212k▲
Amounts payable after more than one year17€15k-
Financial debts170/4€15k-
Amounts payable within one year42/48€156k€212k▲
Current portion of amounts payable after more than one year42€40k€15k▼
Trade debts44€88k€140k▲
Suppliers440/4€88k€140k▲
Taxes, remuneration and social security45€28k€57k▲
Taxes450/3€18k€48k▲
Remuneration and social security454/9€10k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€268k€254k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k-
Other operating charges640/8€174k€48k▼
Gross operating margin9900€332k€390k▲
Operating profit (loss)9901€-131k€76k▲
Financial income75/76B€669€1k▲
Recurring financial income75€669€1k▲
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€-133k€70k▲
Income taxes67/77€-46k€29k▲
Profit (loss) for the period9904€-88k€41k▲
Transfer from tax-exempt reserves789€28k-
Profit (loss) for the period to be appropriated9905€-60k€41k▲
Appropriation of the result
Profit (loss) to be appropriated9906€174k€215k▲
Profit (loss) brought forward from the previous period14P€234k€174k▼
Social balance
Average headcount (FTE)9087-6.7
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
31-12
Financial
Equity above €200kEq €236k ▲21.1%
Equity rises from €195k to €236k.
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 134 days late
24-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 42 days late
2024
31-12
Financial
Weakest financial yearnet €-88k ▼164%
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 42 days late
2023
31-12
Financial
Highest result since 2018net €137k ▲114%
Operating result €196k, net result €137k, both a record.
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 64 days late
2022
31-12
Financial
Back to profitnet €64k
Net result €64k after 2 loss-making years.
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 32 days late
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 59 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 1 establishment unit since 1989
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.
Dobbelenbergstraat 901130 BrusselGround area
1,987 m²
Building footprint
1,424 m²
Volume, LiDAR
6,003 m³
Parcel 21821A0215/00T000, Brussels · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IMMO FACADE - IMMO HOUSE
since 19892.044.628.455
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21821A0215/00T000 | Brussels | 1,987 m² | 1 · 1,424 m² | 6.8 m · 1 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
MESSACONCEPT
BE 0771.824.545
La Bruyère · Eq €236k
TOITURE ALDO
BE 0479.054.294
Fontaine-l'Evêque · Eq €236k
BELSABLAGE
BE 0445.628.787
Donceel · Eq €236k
DEMSS
BE 0508.840.719
Sint-Truiden · Eq €236k
FLORIN CONSTRUCT
BE 0661.864.157
Elsene · Eq €236k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,677 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-08-1989
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
45250
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.