IMMO HET ZOUTE
ActiveIMMO HET ZOUTE has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.70M and a net result of €12k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 90% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.1 in 2024; short-term debt: 4.2% and cash: 2.7% of total assets), and 5.5% 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
94.5%
Return on assets
0.4%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
50 d early
2023
64 d early
2022
28 d early
2021
107 d early
2020
138 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
17-09-2026 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
€12k▼ 40.4%
2024 · €21k
2018: €-122k
2019: €-79k
2020: €78k
2022: €53k
2023: €77k
2024: €21k
2018 → 2025
Working capital
€177k▲ 8.0%
2024 · €164k
2018: €347k
2019: €275k
2020: €564k
2022: €217k
2023: €291k
2024: €164k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€753k-€992k▲ 31.7%€1.07M▲ 7.7%€2.71M▲ 154%€2.70M▼ 0.2%
Operating result€93k-€77k▼ 18.1%€113k▲ 47.8%€41k▼ 63.6%€27k▼ 34.2%
Net result€78k-€53k▼ 32.3%€77k▲ 44.8%€21k▼ 72.8%€12k▼ 40.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 34% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.86M
Fixed assets
€2.57M▼ 1.3%
Current assets
€297k▼ 5.2%
Equity and liabilities €2.86M
Equity
€2.70M▼ 0.2%
Debt
€159k▼ 22.3%
The debt ratio falls from 7.0% to 5.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€58k▼
2024 · €72k
Cash flow
€43k▼
2024 · €52k
Solvency
94.5%▲
2024 · 93.0%
Current ratio
2.48▲
2024 · 2.10
Quick ratio
2.48▲
2024 · 2.10
Debt / equity
0.06▼
2024 · 0.08
ROE
0.5%▼
2024 · 0.8%
ROA
0.4%▼
2024 · 0.7%
Interest coverage
6.07▼
2024 · 6.40
Debt
€159k▼
2024 · €204k
Debt ≤ 1 year
€120k▼
2024 · €149k
Debt > 1 year
€24k▼
2024 · €43k
Income taxes
€7k▼
2024 · €9k
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€2.91M€2.86M▼
Fixed assets21/28€2.60M€2.57M▼
Tangible fixed assets22/27€2.60M€2.57M▼
Land and buildings22€814k€797k▼
Plant, machinery and equipment23€18k€18k▼
Furniture and vehicles24€33k€19k▼
Other tangible fixed assets26€1.73M€1.73M=
Financial fixed assets28€4k€74▼
Current assets29/58€313k€297k▼
Amounts receivable after more than one year29€212k€200k▼
Other amounts receivable291€212k€200k▼
Amounts receivable within one year40/41€25k€12k▼
Trade receivables40€11k€0▼
Other amounts receivable41€15k€12k▼
Cash at bank and in hand54/58€73k€78k▲
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€2.91M€2.86M▼
Equity10/15€2.71M€2.70M▼
Contributions10/11€1.82M€1.82M=
Capital10€1.82M€1.82M=
Issued capital100€1.82M€1.82M=
Reserves13€890k€885k▼
Non-distributable reserves130/1€10k€10k=
Legal reserve130€9k€9k=
Reserves not available under the articles1311€796€796=
Distributable reserves133€880k€875k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€204k€159k▼
Amounts payable after more than one year17€43k€24k▼
Financial debts170/4€43k€24k▼
Amounts payable within one year42/48€149k€120k▼
Current portion of amounts payable after more than one year42€19k€19k=
Trade debts44€9k€2▼
Suppliers440/4€9k€2▼
Taxes, remuneration and social security45€8k€6k▼
Taxes450/3€7k€6k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€113k€95k▼
Accrued charges and deferred income492/3€12k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€31k▲
Other operating charges640/8€16k€16k▲
Gross operating margin9900€88k€74k▼
Operating profit (loss)9901€41k€27k▼
Financial income75/76B€121€2k▲
Recurring financial income75€121€2k▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€30k€20k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€21k€12k▼
Profit (loss) for the period to be appropriated9905€21k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€12k▼
Transfer from equity791/2€111k€18k▼
Transfer to equity691/2€21k€12k▼
To the legal reserve6920€0-
To other reserves6921€21k€12k▼
Profit to be distributed694/7€111k€18k▼
Return on contributions (dividend)694€111k€18k▼
The notes to these accounts (16 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.71M ▲154%
4 profitable years in a row build equity to €2.71M.
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €1MEq €1.07M ▲7.7%
3 profitable years in a row build equity to €1.07M.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
15-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €78k
Net result €78k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 13.66
Current ratio from 2.89 to 13.66; short-term debt falls from €146k to €45k.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Knokke-Heist · 1 establishment unit since 1977
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.
Kustlaan 1058300 Knokke-HeistGround area
532 m²
Building footprint
511 m²
Volume, LiDAR
6,992 m³
2 parcels, Flanders · tallest building 24.1 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
IMMO HET ZOUTE
since 19772.014.149.768
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0632/00A000 | Flanders | 331 m² | 1 · 342 m² | 24.1 m · 6 fl. |
| 31332E0015/00B000 | Flanders | 201 m² | 1 · 169 m² | 23.3 m · 7 fl. |
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
Legal Entity Identifier
8755002D89ZIDZAQQZ08
Similar companies · same sector, comparable size
VL - INVEST
BE 0453.931.393
Laakdal · Eq €2.70M
ELISA-PARK
BE 0661.942.846
Halle · Eq €2.70M
3M VASTGOED
BE 0635.952.784
Deinze · Eq €2.71M
PACHA
BE 0743.818.962
Anderlecht · Eq €2.70M
GEDAN INVEST
BE 0539.868.445
Oudenburg · Eq €2.70M
Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 2,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-10-1977
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.