Immo-Gybels
ActiveImmo-Gybels has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6.20M and a net result of €121k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 39% of 4512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▼-6
Solvency51▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €370k at 30 days acceptable
Liquidity short (current ratio 0.1 against 0.28 in 2024; short-term debt: 55.9% and cash: 3.8% of total assets), and 73.7% 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○neutral
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 · 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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
26.3%
Return on assets
0.5%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
15 d early
2023
2 d early
2022
18 d late
2021
30 d late
2020
30 d early
2019
18 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€121k▼ 46.4%
2024 · €225k
2018: €18k
2019: €-338k
2020: €26k
2021: €175k
2022: €121k
2023: €6k
2024: €225k
2018 → 2025
Working capital
€-11.87M▼ 37.1%
2024 · €-8.66M
2018: €-2.31M
2019: €-3.02M
2020: €-4.21M
2021: €-6.70M
2022: €-11.40M
2023: €-10.61M
2024: €-8.66M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.08M-€4.20M▲ 3.0%€5.85M▲ 39.3%€6.08M▲ 3.9%€6.20M▲ 2.0%
Operating result€361k-€400k▲ 10.7%€339k▼ 15.1%€787k▲ 132%€510k▼ 35.1%
Net result€175k-€121k▼ 31.0%€6k▼ 94.9%€225k▲ 3,551%€121k▼ 46.4%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23.52M
Fixed assets
€22.23M▲ 14.3%
Current assets
€1.29M▼ 61.6%
Equity and liabilities €23.52M
Equity
€6.20M▲ 2.0%
Provisions
€62k▼ 6.2%
Debt
€17.26M▲ 3.6%
The debt ratio rises from 73.1% to 73.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.07M▼
2024 · €1.28M
Cash flow
€685k▼
2024 · €719k
Solvency
26.3%▼
2024 · 26.7%
Current ratio
0.10▼
2024 · 0.28
Quick ratio
0.10▼
2024 · 0.28
Debt / equity
2.79▲
2024 · 2.74
ROE
1.9%▼
2024 · 3.7%
ROA
0.5%▼
2024 · 1.0%
Interest coverage
2.91▼
2024 · 3.62
Debt
€17.26M▲
2024 · €16.66M
Debt ≤ 1 year
€13.15M▲
2024 · €12.01M
Debt > 1 year
€4.02M▼
2024 · €4.47M
Income taxes
€26k▼
2024 · €85k
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€22.80M€23.52M▲
Fixed assets21/28€19.45M€22.23M▲
Tangible fixed assets22/27€19.45M€22.23M▲
Land and buildings22€19.29M€22.08M▲
Plant, machinery and equipment23€37k€35k▼
Furniture and vehicles24€109k€106k▼
Other tangible fixed assets26€16k€15k▼
Current assets29/58€3.35M€1.29M▼
Stocks and contracts in progress3-€15k
Stocks30/36-€15k
Amounts receivable within one year40/41€3.10M€354k▼
Trade receivables40€2.76M€121k▼
Other amounts receivable41€337k€233k▼
Cash at bank and in hand54/58€246k€905k▲
Deferred charges and accrued income490/1€9k€14k▲
Equity and liabilities
Total equity and liabilities10/49€22.80M€23.52M▲
Equity10/15€6.08M€6.20M▲
Contributions10/11€2.48M€2.48M=
Capital10€2.48M€2.48M=
Issued capital100€2.48M€2.48M=
Reserves13€3.59M€3.71M▲
Non-distributable reserves130/1€120k€127k▲
Legal reserve130€120k€127k▲
Reserves not available under the articles1311€25€25=
Tax-exempt reserves132€198k€186k▼
Distributable reserves133€3.28M€3.40M▲
Provisions and deferred taxes16€66k€62k▼
Deferred taxes168€66k€62k▼
Amounts payable17/49€16.66M€17.26M▲
Amounts payable after more than one year17€4.47M€4.02M▼
Financial debts170/4€4.47M€4.02M▼
Amounts payable within one year42/48€12.01M€13.15M▲
Current portion of amounts payable after more than one year42€471k€447k▼
Financial debts43€1.08M€367k▼
Credit institutions430/8€1.08M€367k▼
Trade debts44€95k€84k▼
Suppliers440/4€95k€84k▼
Taxes, remuneration and social security45€77k€72k▼
Taxes450/3€77k€72k▼
Other amounts payable47/48€10.28M€12.18M▲
Accrued charges and deferred income492/3€180k€85k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€493k€564k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€6k
Other operating charges640/8€112k€117k▲
Non-recurring operating charges66A-€38k
Gross operating margin9900€1.39M€1.24M▼
Operating profit (loss)9901€787k€510k▼
Financial income75/76B€9k€2k▼
Recurring financial income75€9k€2k▼
Financial charges65/66B€490k€369k▼
Recurring financial charges65€353k€369k▲
Non-recurring financial charges66B€137k-
Profit (loss) for the period before taxes9903€306k€143k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€85k€26k▼
Profit (loss) for the period9904€225k€121k▼
Transfer from tax-exempt reserves789€12k€12k=
Profit (loss) for the period to be appropriated9905€238k€133k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€133k▲
Profit (loss) brought forward from the previous period14P€-174k-
Transfer to equity691/2€64k€133k▲
To the legal reserve6920€3k€7k▲
To other reserves6921€61k€126k▲
The notes to these accounts (14 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €225k ▲3551%
Operating result €787k, net result €225k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €5MEq €5.85M ▲39.3%
4 profitable years in a row build equity to €5.85M.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €-338k ▼1945%
Net result drops to €-338k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 12 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Laakdal · 1 establishment unit since 1981
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.
Kerkhofweg 92430 LaakdalGround area
3,220 m²
Building footprint
189 m²
Volume, LiDAR
678 m³
Parcel 13007A0058/00M000, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Immo-Gybels
since 19812.019.199.015
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13007A0058/00M000 | Flanders | 3,220 m² | 1 · 189 m² | 5.7 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.
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,380. 1,586 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded31-07-1981
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.