IMMO HAVEN
Open bankruptcyA bankruptcy procedure is open for IMMO HAVEN according to publications in the Belgian State Gazette; curator: ELISABETH VANBERGEN.
Summary
The 2022 annual accounts show equity of €413,416 and a net result of -€302,850.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Antwerp, Hasselt division
- Declared bankrupt
- 9 January 2025
- Supervising judge
- Guy Vloeberghs
- Official Gazette
- 20-01-2025 (pdf) ↗search the document for 2025/101942
Deadlines
- Provisional date payments stopped
- 9 January 2025A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 4 February 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 8 February 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 20 February 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 9 January 2026Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Elisabeth VanbergenRomboutstraat 8C, 3740 Bilzen- . Co-Curator: Hilde Couturier, Eksterstraat 6, 2260 Westerloinfo@advocaatvanbergen.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2022 was due by 31-07-2023 and was filed on 29-09-2023, 60 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
not confirmed
2024
not filed
2023
not filed
2022
60 d late
2021
33 d early
2020
26 d late
2019
63 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 29 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Real estate agency activities sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2022, abbreviated schema
Equity
€413,416▼ 43.5%
2021 · €731,704
Total assets
€1.2m▼ 21.7%
2021 · €1.6m
Net result
-€302,850
2021 · €155,997
Working capital
€244,482▼ 60.8%
2021 · €624,110
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20182019202020212022
Operating result€185,008-€294,747▲ 59.3%€134,034▼ 54.5%€240,648▲ 79.5%-€289,404
Net result€140,791-€192,820▲ 37.0%€96,514within the sector's middle half▼ 49.9%€155,997above the sector's middle half▲ 61.6%-€302,850below the sector's middle half
Equity€307,848-€499,668▲ 62.3%€596,182within the sector's middle half▲ 19.3%€731,704within the sector's middle half▲ 22.7%€413,416within the sector's middle half▼ 43.5%
Total assets€1.4m-€1.4m▲ 4.7%€1.5mwithin the sector's middle half▲ 3.4%€1.6mwithin the sector's middle half▲ 7.4%€1.2mwithin the sector's middle half▼ 21.7%
Debt€1.1m-€929,202▼ 12.1%€881,948▼ 5.1%€855,753▼ 3.0%€829,744▼ 3.0%
Working capital€394,426-€422,969▲ 7.2%€479,252within the sector's middle half▲ 13.3%€624,110above the sector's middle half▲ 30.2%€244,482within the sector's middle half▼ 60.8%
Solvency22.6%-35.0%▲ 12.4pp40.3%within the sector's middle half▲ 5.4pp46.1%within the sector's middle half▲ 5.8pp33.3%within the sector's middle half▼ 12.8pp
Current ratio1.95-1.95=2.09within the sector's middle half▲ 0.142.45within the sector's middle half▲ 0.361.49within the sector's middle half▼ 0.96
Return on assets (ROA)10.3%-13.5%▲ 3.2pp6.5%above the sector's middle half▼ 7.0pp9.8%above the sector's middle half▲ 3.3pp-24.4%below the sector's middle half▼ 34.2pp
Staff (FTE)7-8.1▲ 15.7%10.6above the sector's middle half▲ 30.9%11.6above the sector's middle half▲ 9.4%9.9above the sector's middle half▼ 14.7%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2022: a loss of €289,404 after €240,648 in 2021, the lowest result in the available series.
Balance-sheet composition
2022 in colour, 2021 as the grey bar beneath
Assets €1.2m
Fixed assets
€496,542 ▼ 6.7%
Current assets
€746,618 ▼ 29.3%
Equity and liabilities €1.2m
Equity
€413,416 ▼ 43.5%
Debt
€829,744 ▼ 3.0%
Debt's share of the balance-sheet total rises from 53.9% to 66.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€250,477▼
2021 · €277,649
Cash flow
-€263,923▼
2021 · €192,999
Debt to equity
2.01▲
2021 · 1.17
ROE
-73.3%▼
2021 · 21.3%
Interest coverage
-12.44▼
2021 · 14.69
Debt ≤ 1 year
€502,136▲
2021 · €431,376
Debt > 1 year
€324,004▼
2021 · €342,867
Income taxes
€1,073▼
2021 · €83,663
Staff costs
€434,713▼
2021 · €539,609
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €25,351 | €3,306 | ▼ 87.0% |
| Remuneration, social security and pensions62 | - | - | - | €539,609 | €434,713 | ▼ 19.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31,000 | €32,036 | €33,655 | €37,001 | €38,927 | ▲ 5.2% |
| Other operating charges640/8 | - | - | - | €20,626 | €8,536 | ▼ 58.6% |
| Non-recurring operating charges66A | - | - | - | - | €2,053 | - |
| Gross operating margin9900 | €520,812 | €747,773 | €597,153 | €837,884 | €194,824 | ▼ 76.7% |
| Operating profit (loss)9901 | €185,008 | €294,747 | €134,034 | €240,648 | -€289,404 | ▼ 220% |
| Financial income75/76B | - | - | - | €17,915 | €7,758 | ▼ 56.7% |
| Recurring financial income75 | €20,603 | €23,611 | €32,202 | €17,915 | €7,758 | ▼ 56.7% |
| Financial charges65/66B | - | - | - | €18,903 | €20,131 | ▲ 6.5% |
| Recurring financial charges65 | €14,723 | €14,797 | €19,357 | €18,903 | €20,131 | ▲ 6.5% |
| Profit (loss) for the period before taxes9903 | €190,887 | €303,561 | €146,879 | €239,661 | -€301,777 | ▼ 226% |
| Income taxes67/77 | €50,096 | €110,741 | €50,365 | €83,663 | €1,073 | ▼ 98.7% |
| Profit (loss) for the period9904 | €140,791 | €192,820 | €96,514 | €155,997 | -€302,850 | ▼ 294% |
| Profit (loss) for the period to be appropriated9905 | €140,791 | €192,820 | €96,514 | €155,997 | -€302,850 | ▼ 294% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.4m | €1.5m | €1.6m | €1.2m | ▼ 21.7% |
| Fixed assets21/28 | €555,384 | €561,747 | €558,166 | €531,972 | €496,542 | ▼ 6.7% |
| Tangible fixed assets22/27 | €555,134 | €550,797 | €534,716 | €508,522 | €484,092 | ▼ 4.8% |
| Land and buildings22 | - | - | - | €465,990 | €444,366 | ▼ 4.6% |
| Plant, machinery and equipment23 | - | - | - | €5,520 | €3,287 | ▼ 40.4% |
| Furniture and vehicles24 | - | - | - | €17,622 | €19,818 | ▲ 12.5% |
| Other tangible fixed assets26 | - | - | - | €19,390 | €16,620 | ▼ 14.3% |
| Financial fixed assets28 | €250 | €10,950 | €23,450 | €23,450 | €12,450 | ▼ 46.9% |
| Current assets29/58 | €809,354 | €867,122 | €919,964 | €1.1m | €746,618 | ▼ 29.3% |
| Amounts receivable within one year40/41 | €385,089 | €294,296 | €495,243 | €651,939 | €439,850 | ▼ 32.5% |
| Trade receivables40 | - | - | - | €211,714 | €87,145 | ▼ 58.8% |
| Other amounts receivable41 | - | - | - | €440,225 | €352,705 | ▼ 19.9% |
| Cash at bank and in hand54/58 | €405,662 | €564,433 | €417,707 | €385,979 | €294,094 | ▼ 23.8% |
| Deferred charges and accrued income490/1 | - | - | - | €17,568 | €12,674 | ▼ 27.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.4m | €1.5m | €1.6m | €1.2m | ▼ 21.7% |
| Equity10/15 | €307,848 | €499,668 | €596,182 | €731,704 | €413,416 | ▼ 43.5% |
| Contributions10/11 | €12,403 | €12,403 | - | €12,403 | €12,403 | = |
| Reserves13 | €274,347 | €466,167 | €562,682 | €698,203 | €682,766 | ▼ 2.2% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | €696,344 | €680,906 | ▼ 2.2% |
| Profit (loss) carried forward14 | €21,098 | €21,098 | €21,098 | €21,098 | -€281,752 | ▼ 1,435% |
| Amounts payable17/49 | €1.1m | €929,202 | €881,948 | €855,753 | €829,744 | ▼ 3.0% |
| Amounts payable after more than one year17 | €396,516 | €379,125 | €361,237 | €342,867 | €324,004 | ▼ 5.5% |
| Financial debts170/4 | - | - | - | €342,867 | €324,004 | ▼ 5.5% |
| Amounts payable within one year42/48 | €414,928 | €444,154 | €440,712 | €431,376 | €502,136 | ▲ 16.4% |
| Current portion of amounts payable after more than one year42 | - | - | - | €18,369 | €18,863 | ▲ 2.7% |
| Financial debts43 | - | - | - | €16,717 | €66,722 | ▲ 299% |
| Credit institutions430/8 | - | - | - | €16,717 | €66,722 | ▲ 299% |
| Trade debts44 | €12,134 | €17,465 | €67,801 | €106,137 | €237,349 | ▲ 124% |
| Suppliers440/4 | - | - | - | €106,137 | €237,349 | ▲ 124% |
| Advances received on contracts in progress46 | - | - | - | €118,148 | €103,101 | ▼ 12.7% |
| Taxes, remuneration and social security45 | - | - | - | €172,005 | €76,100 | ▼ 55.8% |
| Taxes450/3 | - | - | - | €113,039 | €70,942 | ▼ 37.2% |
| Remuneration and social security454/9 | - | - | - | €58,966 | €5,158 | ▼ 91.3% |
| Accrued charges and deferred income492/3 | - | - | - | €81,510 | €3,604 | ▼ 95.6% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €140,791 | €192,820 | €96,514 | €155,997 | -€302,850 | ▼ 294% |
| + Depreciation and write-downs630 | €31,000 | €32,036 | €33,655 | €37,001 | €38,927 | ▲ 5.2% |
| Operating cash flow (approximation) | €171,791 | €224,856 | €130,169 | €192,999 | -€263,923 | ▼ 237% |
| Investment in fixed assets (approximation) | - | -€38,400 | -€30,074 | -€10,807 | -€3,497 | ▲ 67.6% |
| Change in cash | - | €158,772 | -€146,727 | -€31,727 | -€91,886 | ▼ 190% |
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
2025
20-01
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Hasselt · event 09-01-2025
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 60 days late
2022
31-12
Financial
Weakest financial yearnet -€302,850
Net result drops to -€302,850, the lowest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Equity above €500,000Eq €596,182 ▲19.3%
3 profitable years in a row build equity to €596,182.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 63 days late
2019
31-12
Financial
Highest result since 2018net €192,820 ▲37%
Operating result €294,747, net result €192,820, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 20 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2015
30-09
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 61 days late
2014
07-10
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema · 68 days late
SignalFinancial 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, Sint-Truiden · 1 establishment unit since 1999
Ground area
293 m²
Building footprint
259 m²
Volume, LiDAR
3,069 m³
Parcel 71053H1164/00G000, Flanders · tallest building 16.2 m, ±4 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
IMMO HAVEN BVBA
since 19992.091.464.609
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H1164/00G000 | Flanders | 293 m² | 1 · 259 m² | 16.2 m · 4 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ELISABETH VANBERGEN ROMBOUTSTRAAT 8C,
3740 BILZEN- .
Co-Curator: HILDE COUTURIER, EKSTERSTRAAT 6,
2260 WESTERLO- hilde.couturier@metropolitan.be |
09-01-2025 → present |
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 4,419 EUR awarded · 4,419 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,800 EUR | 1,800 EUR |
| 2022 | 1 | 2,619 EUR | 2,619 EUR |
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 4,750 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.