Immo I&W
ActiveImmo I&W has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €226k and a net result of €44k. Equity is shrinking by ~6.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 9099 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+96
Solvency96▲+21
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 1.98 against 1.55 in 2024), and 46.7% 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○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
Sector 68
lower
← 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
53.3%
Return on assets
10.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
on the day
2023
1 d early
2022
53 d early
2021
73 d early
2020
13 d early
2019
3 d early
← before the deadline
after the deadline →
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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€226k▼ 3.1%
2024 · €233k
2019: €325k
2020: €379k
2021: €350k
2022: €377k
2023: €321k
2024: €233k
2019 → 2025
Total assets
€423k▼ 25.5%
2024 · €568k
2019: €945k
2020: €977k
2021: €1.00M
2022: €1.06M
2023: €590k
2024: €568k
2019 → 2025
Net result
€44k▲ 6,490%
2024 · €665
2019: €94k
2020: €54k
2021: €61k
2022: €56k
2023: €-24k
2024: €665
2019 → 2025
Working capital
€138k▼ 5.7%
2024 · €146k
2019: €367k
2020: €418k
2021: €401k
2022: €525k
2023: €222k
2024: €146k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€350k-€377k▲ 7.6%€321k▼ 14.8%€233k▼ 27.5%€226k▼ 3.1%
Operating result€100k-€105k▲ 4.6%€-11k€7k€67k▲ 822%
Net result€61k-€56k▼ 8.7%€-24k€665€44k▲ 6,490%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 822% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €423k
Fixed assets
€145k▼ 5.9%
Current assets
€278k▼ 32.8%
Equity and liabilities €423k
Equity
€226k▼ 3.1%
Debt
€197k▼ 41.1%
The debt ratio falls from 59.0% to 46.7%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€86k▲
2024 · €36k
Cash flow
€63k▲
2024 · €29k
Solvency
53.3%▲
2024 · 41.0%
Current ratio
1.98▲
2024 · 1.55
Quick ratio
1.98▲
2024 · 1.55
Debt / equity
0.88▼
2024 · 1.44
ROE
19.4%▲
2024 · 0.3%
ROA
10.4%▲
2024 · 0.1%
Interest coverage
8.17▲
2024 · 4.70
Debt
€197k▼
2024 · €335k
Debt ≤ 1 year
€140k▼
2024 · €268k
Debt > 1 year
€47k▼
2024 · €59k
Income taxes
€13k▲
2024 · €749
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€568k€423k▼
Fixed assets21/28€154k€145k▼
Tangible fixed assets22/27€154k€145k▼
Land and buildings22€141k€137k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€6k€2k▼
Current assets29/58€414k€278k▼
Amounts receivable within one year40/41€293k€37k▼
Trade receivables40€293k€37k▼
Current investments50/53€61k€61k▲
Cash at bank and in hand54/58€56k€175k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€568k€423k▼
Equity10/15€233k€226k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€9k€9k=
Reserves13€205k€198k▼
Tax-exempt reserves132€451€451=
Distributable reserves133€205k€197k▼
Amounts payable17/49€335k€197k▼
Amounts payable after more than one year17€59k€47k▼
Financial debts170/4€29k€17k▼
Other amounts payable178/9€30k€30k=
Amounts payable within one year42/48€268k€140k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€32k€19k▼
Taxes450/3€27k€19k▼
Remuneration and social security454/9€5k-
Other amounts payable47/48€220k€106k▼
Accrued charges and deferred income492/3€8k€11k▲
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€46-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€19k▼
Other operating charges640/8€9k€9k▼
Non-recurring operating charges66A€427-
Gross operating margin9900€46k€95k▲
Operating profit (loss)9901€7k€67k▲
Financial income75/76B€2k€272▼
Recurring financial income75€2k€272▼
Financial charges65/66B€8k€11k▲
Recurring financial charges65€8k€11k▲
Profit (loss) for the period before taxes9903€1k€56k▲
Income taxes67/77€749€13k▲
Profit (loss) for the period9904€665€44k▲
Profit (loss) for the period to be appropriated9905€665€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€562€44k▲
Profit (loss) brought forward from the previous period14P€-103-
Transfer from equity791/2€89k€51k▼
Transfer to equity691/2€562€44k▲
To other reserves6921€562€44k▲
Profit to be distributed694/7€89k€51k▼
Return on contributions (dividend)694€89k€51k▼
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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Back to profitnet €665
Net result €665 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-24k ▼143%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
2022
09-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
19-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-01
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
5 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, Tessenderlo-Ham · 1 establishment unit since 1989
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.
Weggevoerdenstraat 83980 Tessenderlo-HamGround area
594 m²
Building footprint
196 m²
Volume, LiDAR
1,165 m³
Parcel 71057A1290/00G007, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO I&W BV
since 19892.037.786.292
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71057A1290/00G007 | Flanders | 594 m² | 1 · 196 m² | 9.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 10,313 EUR awarded · 10,313 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 3,423 EUR | 3,423 EUR |
| 2022 | 1 | 6,890 EUR | 6,890 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Dual-learning approval
3 endedSimilar companies · same sector, comparable size
THIMATI
BE 0809.403.731
Oud-Turnhout · Eq €225k
Pharmacie Elisa Dumonceau
BE 0890.530.868
Herstal · Eq €225k
MSM BUSINESS CENTER
BE 1031.237.682
Charleroi · Eq €225k
BOUWMATERIALEN QUINTENS- van MEENEN
BE 0414.721.124
Knokke-Heist · Eq €225k
WI SERVICES
BE 1001.787.393
Brussel · Eq €225k
Of 11,979 companies in sector 68203 we hold annual accounts for 5,949. 4,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-1983
Fiscal year end30-06
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68110Buying and selling of own real estate
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.