IMMO-GESTION
ActiveSummary
IMMO-GESTION has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €98k and a net result of €167k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 45% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-9
Solvency48▼-52
Growth47▲+21
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.97 in 2024; short-term debt: 40.3% and cash: 0.2% of total assets), and 76.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
23.2%
Return on assets
39.6%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-02-2026, 23 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 · 10 filingsDeviation from the deadline
2025
23 d late
2024
27 d late
2023
29 d late
2022
13 d late
2021
21 d late
2020
15 d late
2019
67 d early
← before the deadline
after the deadline →
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€151k▲ 23.9%
2024 · €122k
2019: €169khighest in 7 years
2020: €36k▼ -78.9% vs 2019
2021: €22k▼ -37.7% vs 2020lowest in 7 years
2022: €32k▲ +45.1% vs 2021
2023: €55k▲ +69.5% vs 2022
2024: €122k▲ +122% vs 2023
2025: €151k▲ +23.9% vs 2024
2019 → 2025
EBIT margin
-8.1%▲ 9.8pp
2024 · -17.8%
2019: 68.3%
2020: -130.7%▼ -291% vs 2019lowest in 7 years
2021: -46.2%▲ +64.7% vs 2020
2022: 189.7%▲ +511% vs 2021highest in 7 years
2023: -41.2%▼ -122% vs 2022
2024: -17.8%▲ +56.7% vs 2023
2025: -8.1%▲ +54.8% vs 2024
2019 → 2025
Net result
€167k
2024 · €-32k
2019: €101k
2020: €-62k▼ -161% vs 2019lowest in 7 years
2021: €-13k▲ +79.8% vs 2020
2022: €57k▲ +551% vs 2021
2023: €-32k▼ -156% vs 2022
2024: €-32k▼ -0.9% vs 2023
2025: €167k▲ +619% vs 2024highest in 7 years
2019 → 2025
Working capital
€-92k▼ 2,342%
2024 · €-4k
2019: €-49k
2020: €-119k▼ -140% vs 2019lowest in 7 years
2021: €49k▲ +141% vs 2020
2022: €113k▲ +130% vs 2021highest in 7 years
2023: €-24k▼ -122% vs 2022
2024: €-4k▲ +84.6% vs 2023
2025: €-92k▼ -2342% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€22k-€32k▲ 45.1%€55k▲ 69.5%€122k▲ 122%€151k▲ 23.9%
2021: €22klowest in 5 years
2022: €32k▲ +45.1% vs 2021
2023: €55k▲ +69.5% vs 2022
2024: €122k▲ +122% vs 2023
2025: €151k▲ +23.9% vs 2024highest in 5 years
Equity€995k-€1.05M▲ 5.7%€1.02M▼ 3.0%€988k▼ 3.2%€98k▼ 90.1%
2021: €995k
2022: €1.05M▲ +5.7% vs 2021highest in 5 years
2023: €1.02M▼ -3.0% vs 2022
2024: €988k▼ -3.2% vs 2023
2025: €98k▼ -90.1% vs 2024lowest in 5 years
Operating result€-10k-€61k€-23k€-22k▲ 3.7%€-12k▲ 44.0%
2021: €-10k
2022: €61k▲ +696% vs 2021highest in 5 years
2023: €-23k▼ -137% vs 2022lowest in 5 years
2024: €-22k▲ +3.7% vs 2023
2025: €-12k▲ +44.0% vs 2024
Net result€-13k-€57k€-32k€-32k▼ 0.9%€167k
2021: €-13k
2022: €57k▲ +551% vs 2021
2023: €-32k▼ -156% vs 2022
2024: €-32k▼ -0.9% vs 2023lowest in 5 years
2025: €167k▲ +619% vs 2024highest in 5 years
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €12k in 2025 against €22k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421k
Fixed assets
€344k ▼ 70.5%
Current assets
€78k ▼ 41.5%
Equity and liabilities €421k
Equity
€98k ▼ 90.1%
Debt
€324k ▲ 5.0%
Debt's share of the balance-sheet total rises from 23.8% to 76.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €40k
Cash flow
€185k▲
2024 · €30k
Current ratio
0.46▼
2024 · 0.97
Quick ratio
0.02▼
2024 · 0.02
Debt to equity
3.31▲
2024 · 0.31
ROE
170.8%▲
2024 · -3.3%
ROA
39.6%▲
2024 · -2.5%
Interest coverage
1.95▼
2024 · 3.84
Debt ≤ 1 year
€170k▲
2024 · €137k
Debt > 1 year
€154k▼
2024 · €171k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€421k▼
Fixed assets21/28€1.16M€344k▼
Tangible fixed assets22/27€1.16M€344k▼
Land and buildings22€1.16M€333k▼
Other tangible fixed assets26-€10k
Current assets29/58€133k€78k▼
Stocks and contracts in progress3€130k€75k▼
Stocks30/36€130k€75k▼
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€1k-
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€232€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.30M€421k▼
Equity10/15€988k€98k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€1.06M-
Reserves13€20k€20k=
Tax-exempt reserves132€20k€20k=
Profit (loss) carried forward14€-151k€16k▲
Amounts payable17/49€308k€324k▲
Amounts payable after more than one year17€171k€154k▼
Financial debts170/4€171k€154k▼
Amounts payable within one year42/48€137k€170k▲
Financial debts43€33k€16k▼
Credit institutions430/8€33k€16k▼
Trade debts44€2k€50k▲
Suppliers440/4€2k€50k▲
Other amounts payable47/48€101k€104k▲
Income statement
Code20242025
Turnover70€122k€151k▲
Goods, raw materials, services and sundry goods60/61€72k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€19k▼
Other operating charges640/8€10k€20k▲
Gross operating margin9900€50k€27k▼
Operating profit (loss)9901€-22k€-12k▲
Financial income75/76B-€182k
Recurring financial income75-€182k
Non-recurring financial income76B-€182k
Financial charges65/66B€10k€3k▼
Recurring financial charges65€10k€3k▼
Profit (loss) for the period before taxes9903€-32k€167k▲
Profit (loss) for the period9904€-32k€167k▲
Profit (loss) for the period to be appropriated9905€-32k€167k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-151k€16k▲
Profit (loss) brought forward from the previous period14P€-119k€-151k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €22k | €32k | €55k | €122k | €151k | ▲ 23.9% |
| Non-recurring operating income76A | - | €111k | - | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | €24k | €21k | €72k | €124k | ▲ 72.9% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €44k | €44k | €44k | €62k | €19k | ▼ 70.0% |
| Other operating charges640/8 | - | €15k | €13k | €10k | €20k | ▲ 102% |
| Gross operating margin9900 | €50k | €120k | €34k | €50k | €27k | ▼ 46.5% |
| Operating profit (loss)9901 | €-10k | €61k | €-23k | €-22k | €-12k | ▲ 44.0% |
| Financial income75/76B | - | - | - | - | €182k | - |
| Recurring financial income75 | - | - | - | - | €182k | - |
| Non-recurring financial income76B | - | - | - | - | €182k | - |
| Financial charges65/66B | - | €5k | €9k | €10k | €3k | ▼ 68.7% |
| Recurring financial charges65 | €2k | €4k | €9k | €10k | €3k | ▼ 68.7% |
| Non-recurring financial charges66B | - | €230 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €-13k | €57k | €-32k | €-32k | €167k | ▲ 619% |
| Profit (loss) for the period9904 | €-13k | €57k | €-32k | €-32k | €167k | ▲ 619% |
| Profit (loss) for the period to be appropriated9905 | €-13k | €57k | €-32k | €-32k | €167k | ▲ 619% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.68M | €1.68M | €1.42M | €1.30M | €421k | ▼ 67.5% |
| Fixed assets21/28 | €1.29M | €1.27M | €1.23M | €1.16M | €344k | ▼ 70.5% |
| Tangible fixed assets22/27 | €1.29M | €1.27M | €1.23M | €1.16M | €344k | ▼ 70.5% |
| Land and buildings22 | - | €1.25M | €1.21M | €1.16M | €333k | ▼ 71.4% |
| Plant, machinery and equipment23 | - | €0 | - | - | - | - |
| Furniture and vehicles24 | - | €18k | €18k | - | - | - |
| Other tangible fixed assets26 | - | - | - | - | €10k | - |
| Current assets29/58 | €383k | €406k | €191k | €133k | €78k | ▼ 41.5% |
| Stocks and contracts in progress3 | €368k | €253k | €181k | €130k | €75k | ▼ 42.5% |
| Stocks30/36 | - | €253k | €181k | €130k | €75k | ▼ 42.5% |
| Contracts in progress37 | - | €0 | - | - | - | - |
| Amounts receivable within one year40/41 | €2k | €8k | €8k | €3k | €2k | ▼ 29.4% |
| Trade receivables40 | - | €6k | €6k | €1k | - | - |
| Other amounts receivable41 | - | €2k | €2k | €2k | €2k | ▲ 3.4% |
| Cash at bank and in hand54/58 | €13k | €145k | €2k | €232 | €1k | ▲ 335% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.68M | €1.68M | €1.42M | €1.30M | €421k | ▼ 67.5% |
| Equity10/15 | €995k | €1.05M | €1.02M | €988k | €98k | ▼ 90.1% |
| Contributions10/11 | €62k | €62k | €62k | €62k | €62k | = |
| Capital10 | - | €62k | €62k | €62k | €62k | = |
| Issued capital100 | - | €62k | €62k | €62k | €62k | = |
| Revaluation surpluses12 | - | €1.06M | €1.06M | €1.06M | - | - |
| Reserves13 | €20k | €20k | €20k | €20k | €20k | = |
| Tax-exempt reserves132 | - | €20k | €20k | €20k | €20k | = |
| Profit (loss) carried forward14 | €-144k | €-87k | €-119k | €-151k | €16k | ▲ 110% |
| Amounts payable17/49 | €683k | €623k | €395k | €308k | €324k | ▲ 5.0% |
| Amounts payable after more than one year17 | €348k | €329k | €180k | €171k | €154k | ▼ 10.3% |
| Financial debts170/4 | - | €329k | €180k | €171k | €154k | ▼ 10.3% |
| Amounts payable within one year42/48 | €334k | €294k | €215k | €137k | €170k | ▲ 24.3% |
| Financial debts43 | - | €7k | €64k | €33k | €16k | ▼ 52.4% |
| Credit institutions430/8 | - | €7k | €64k | €33k | €16k | ▼ 52.4% |
| Trade debts44 | €110k | €71k | €1k | €2k | €50k | ▲ 2,226% |
| Suppliers440/4 | - | €71k | €1k | €2k | €50k | ▲ 2,226% |
| Other amounts payable47/48 | - | €215k | €150k | €101k | €104k | ▲ 2.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-13k | €57k | €-32k | €-32k | €167k | ▲ 619% |
| + Depreciation and write-downs630 | €44k | €44k | €44k | €62k | €19k | ▼ 70.0% |
| Operating cash flow (approximation) | €31k | €101k | €12k | €30k | €185k | ▲ 527% |
| Investment in fixed assets (approximation) | - | €-18k | €0 | €1 | €801k | ▲ 80,122,200% |
| Change in cash | - | €132k | €-143k | €-2k | €777 | ▲ 142% |
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
23-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
30-06
Financial
Back to profitnet €167k
Net result €167k after 2 loss-making years.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
13-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 13 days late
2022
30-06
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
30-06
Financial
Equity above €1MEq €1.05M ▲5.7%
Equity rises from €995k to €1.05M.
21-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
30-06
Financial
Weakest financial yearnet €-62k
Net result drops to €-62k, the lowest in the series; recovery starts the following year.
2019
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 113 days late
13-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 467 days late
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 325 days late
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, Bernissart · 1 establishment unit since 1992
Ground area
1,091 m²
Building footprint
247 m²
Volume, LiDAR
1,217 m³
Parcel 51472A0370/00X000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de l'Industrie(HAR) 69, 7321 Bernissart
since 19922.053.777.832
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51472A0370/00X000 | Wallonia | 1,091 m² | 1 · 247 m² | 7.8 m · 2 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.
Similar companies · same sector, comparable size
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IMMOCIL
BE 0558.852.632
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B.P.EVENTS
BE 0887.730.439
Wavre · Eq €97,819
EDEN ESTATE
BE 0882.012.090
Antwerpen · Eq €97,839
Momentum Vastgoed
BE 0754.898.936
Hasselt · Eq €97,872
Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 5,190 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded11-07-1991
Fiscal year end30-06
Activities, NACEBEL 2025
68310Real estate agency activities
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.