IMMO FAMILY
ActiveIMMO FAMILY has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 94% of 820 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▲+7
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 37.95 against 38.31 in 2024; short-term debt: 2.6% and cash: 42.5% of total assets), and 11.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 41
Relative position
BE, all sectors
reference
Sector 41
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
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
88.9%
Return on assets
-12.1%
Age of the figures
12 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
1819202122232425
2018 to 2025 · latest year €-5k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
34 d early
2023
43 d early
2022
61 d early
2021
2 d early
2020
1 d early
2019
4 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-5k▲ 39.3%
2024 · €-9k
2018: €-3k
2019: €4k
2020: €-5k
2021: €-5k
2022: €53k
2023: €707
2024: €-9k
2018 → 2025
Working capital
€43k▼ 11.0%
2024 · €48k
2018: €6k
2019: €10k
2020: €5k
2021: €-807
2022: €57k
2023: €57k
2024: €48k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-813-€53k€53k▲ 1.3%€45k▼ 16.5%€39k▼ 12.0%
Operating result€-5k-€65k€2k▼ 96.3%€-7k€-3k▲ 56.2%
Net result€-5k-€53k€707▼ 98.7%€-9k€-5k▲ 39.3%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €44k
Equity
€39k▼ 12.0%
Provisions
€4k=
Debt
€1k▼ 10.0%
The debt ratio stays at 2.6%.
Key figures and ratios
Solvency
88.9%▼
2024 · 89.8%
Current ratio
37.95▼
2024 · 38.31
Quick ratio
37.95▼
2024 · 38.31
Debt / equity
0.03▲
2024 · 0.03
ROE
-13.6%▲
2024 · -19.7%
ROA
-12.1%▲
2024 · -17.7%
Debt
€1k▼
2024 · €1k
Debt ≤ 1 year
€1k▼
2024 · €1k
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€50k€44k▼
Current assets29/58€50k€44k▼
Amounts receivable within one year40/41€27k€25k▼
Other amounts receivable41€27k€25k▼
Cash at bank and in hand54/58€23k€19k▼
Deferred charges and accrued income490/1€178€178=
Equity and liabilities
Total equity and liabilities10/49€50k€44k▼
Equity10/15€45k€39k▼
Contributions10/11€31k€31k=
Reserves13€18k€18k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€-5k€-10k▼
Provisions and deferred taxes16€4k€4k=
Provisions for liabilities and charges160/5€4k€4k=
Other liabilities and charges164/5€4k€4k=
Amounts payable17/49€1k€1k▼
Amounts payable within one year42/48€1k€1k▼
Financial debts43€136€95▼
Credit institutions430/8€136€95▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Accrued charges and deferred income492/3-€2
Income statement
Code20242025
Other operating charges640/8€1k€182▼
Gross operating margin9900€-6k€-3k▲
Operating profit (loss)9901€-7k€-3k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-9k€-5k▲
Income taxes67/77€4-
Profit (loss) for the period9904€-9k€-5k▲
Profit (loss) for the period to be appropriated9905€-9k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-10k▼
Profit (loss) brought forward from the previous period14P-€-5k
Transfer from equity791/2€4k-
The notes to these accounts (1 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-09
Financial
Weakest financial yearnet €-9k ▼1343%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
18-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Liquidity times 19current ratio 31.36
Current ratio from 1.67 to 31.36; short-term debt falls from €84k to €2k.
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
Financial
Back to profitnet €53k
Net result €53k after 2 loss-making years.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 4 days late
2019
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 1990
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.
Rue André-Delchef A4000 LiègeGround area
227 m²
Building footprint
108 m²
Volume, LiDAR
857 m³
Parcel 62815C0513/00M000, Wallonia · tallest building 8.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue André-Delchef 4A, 4000 Liège
since 19902.050.126.870
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62815C0513/00M000 | Wallonia | 227 m² | 1 · 108 m² | 8.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
SQUARE CONSTRUCT
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TOMTIC
BE 0763.933.792
Kraainem · Eq €39k
NEMES
BE 0757.694.021
Kraainem · Eq €39k
FbiConstruct
BE 0800.863.969
Ardooie · Eq €39k
BCS CONSULTING
BE 0805.486.515
Vorst · Eq €39k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-1989
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
45211
68121Development of residential building projects
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.