Immo FINITION
ActiveImmo FINITION has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €83k and a net result of €11k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 90% of 9980 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +6 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability68▲+40
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.06 against 2.68 in 2023), and 17.7% of the assets are financed with debt.
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 · 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
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €83k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
33 d early
2022
26 d early
2021
31 d early
2020
30 d early
2019
28 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€83k▲ 15.8%
2023 · €72k
2018: €62k
2019: €79k
2020: €75k
2021: €92k
2022: €68k
2023: €72k
2018 → 2024
Total assets
€101k▼ 1.2%
2023 · €102k
2018: €122k
2019: €107k
2020: €94k
2021: €105k
2022: €100k
2023: €102k
2018 → 2024
Net result
€11k▲ 183%
2023 · €4k
2018: €3k
2019: €17k
2020: €-3k
2021: €16k
2022: €-24k
2023: €4k
2018 → 2024
Working capital
€54k▲ 12.4%
2023 · €48k
2018: €26k
2019: €34k
2020: €38k
2021: €49k
2022: €38k
2023: €48k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€75k-€92k▲ 21.5%€68k▼ 26.4%€72k▲ 5.9%€83k▲ 15.8%
Operating result€-2k-€18k€-22k€6k€13k▲ 125%
Net result€-3k-€16k€-24k€4k€11k▲ 183%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 125% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €101k
Fixed assets
€28k▲ 15.2%
Current assets
€72k▼ 6.5%
Equity and liabilities €101k
Equity
€83k▲ 15.8%
Debt
€18k▼ 41.4%
The debt ratio falls from 29.8% to 17.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2023 · €22k
Cash flow
€22k▲
2023 · €20k
Solvency
82.3%▲
2023 · 70.2%
Current ratio
4.06▲
2023 · 2.68
Quick ratio
3.86▲
2023 · 2.52
Debt / equity
0.21▼
2023 · 0.42
ROE
13.7%▲
2023 · 5.6%
ROA
11.3%▲
2023 · 3.9%
Interest coverage
12.14▲
2023 · 11.33
Debt
€18k▼
2023 · €30k
Debt ≤ 1 year
€18k▼
2023 · €29k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€102k€101k▼
Fixed assets21/28€25k€28k▲
Tangible fixed assets22/27€25k€28k▲
Furniture and vehicles24€8k€15k▲
Other tangible fixed assets26€16k€13k▼
Current assets29/58€77k€72k▼
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€22k€36k▲
Trade receivables40-€3k
Other amounts receivable41€22k€33k▲
Cash at bank and in hand54/58€50k€33k▼
Deferred charges and accrued income490/1€682€24▼
Equity and liabilities
Total equity and liabilities10/49€102k€101k▼
Equity10/15€72k€83k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€51k€62k▲
Amounts payable17/49€30k€18k▼
Amounts payable within one year42/48€29k€18k▼
Trade debts44€10k€3k▼
Suppliers440/4€10k€3k▼
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€6k€8k▲
Remuneration and social security454/9€6k-
Other amounts payable47/48€6k€7k▲
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€11k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€23k€26k▲
Operating profit (loss)9901€6k€13k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€4k€11k▲
Profit (loss) for the period9904€4k€11k▲
Profit (loss) for the period to be appropriated9905€4k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€62k▲
Profit (loss) brought forward from the previous period14P€47k€51k▲
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
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-24k ▼249%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €17k ▲444%
Operating result €24k, net result €17k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
14 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, Tubize · 1 establishment unit since 2009
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.
Route Provinciale 601480 TubizeGround area
1,210 m²
Building footprint
157 m²
Volume, LiDAR
345 m³
2 parcels, Wallonia · tallest building 5.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Immo FINITION
since 20092.236.668.659
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019B0104/00G005 | Wallonia | 760 m² | 1 · 67 m² | 5.2 m · 1 fl. |
| 25019B0104/00K005 | Wallonia | 450 m² | 1 · 91 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTubize2.236.668.659
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,041 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.