IMMO J. ECKELMANS
ActiveIMMO J. ECKELMANS has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €894k and a net result of €82k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 45% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 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
Profitability72=
Solvency52▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 6.02 in 2024; short-term debt: 26.9% and cash: 52.9% of total assets), but 73.4% 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+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
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
26.6%
Return on assets
2.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
on the day
2022
2 d early
2021
1 d early
2020
1 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.32M
EBIT margin
24.6%
Net result
€82k▼ 0.4%
2024 · €82k
2018: €165k
2019: €211k
2020: €71k
2021: €76k
2022: €163k
2023: €-43k
2024: €82k
2018 → 2025
Working capital
€1.96M▼ 3.5%
2024 · €2.04M
2018: €2.10M
2019: €1.80M
2020: €1.74M
2021: €1.95M
2022: €1.75M
2023: €1.50M
2024: €2.04M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.19M-€1.35M▲ 13.7%€1.31M▼ 3.2%€1.20M▼ 7.7%€894k▼ 25.8%
Operating result€122k-€255k▲ 108%€-35k€118k€136k▲ 15.4%
Net result€76k-€163k▲ 114%€-43k€82k€82k▼ 0.4%
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 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.36M
Fixed assets
€490k▼ 17.1%
Current assets
€2.87M▲ 17.4%
Equity and liabilities €3.36M
Equity
€894k▼ 25.8%
Debt
€2.46M▲ 34.7%
The debt ratio rises from 60.3% to 73.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€316k▲
2024 · €295k
Cash flow
€262k▲
2024 · €260k
Solvency
26.6%▼
2024 · 39.7%
Current ratio
3.18▼
2024 · 6.02
Quick ratio
3.18▼
2024 · 6.02
Debt / equity
2.75▲
2024 · 1.52
ROE
9.1%▲
2024 · 6.8%
ROA
2.4%▼
2024 · 2.7%
Interest coverage
35.85▲
2024 · 33.36
Debt
€2.46M▲
2024 · €1.83M
Debt ≤ 1 year
€902k▲
2024 · €405k
Income taxes
€45k▲
2024 · €27k
Staff costs
€517k▼
2024 · €565k
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€3.03M€3.36M▲
Fixed assets21/28€591k€490k▼
Intangible fixed assets21€17k€13k▼
Tangible fixed assets22/27€574k€478k▼
Land and buildings22€5k€0▼
Plant, machinery and equipment23€103k€94k▼
Furniture and vehicles24€148k€82k▼
Leasing and similar rights25€318k€302k▼
Current assets29/58€2.44M€2.87M▲
Amounts receivable within one year40/41€737k€1.07M▲
Trade receivables40€716k€1.07M▲
Other amounts receivable41€21k€0▼
Cash at bank and in hand54/58€1.68M€1.77M▲
Deferred charges and accrued income490/1€22k€21k▼
Equity and liabilities
Total equity and liabilities10/49€3.03M€3.36M▲
Equity10/15€1.20M€894k▼
Contributions10/11€19k€19k=
Reserves13€1.19M€875k▼
Non-distributable reserves130/1€65k€0▼
Reserves not available under the articles1311€65k€0▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€1.12M€870k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.83M€2.46M▲
Amounts payable within one year42/48€405k€902k▲
Trade debts44€170k€401k▲
Suppliers440/4€170k€401k▲
Taxes, remuneration and social security45€140k€133k▼
Taxes450/3€25k€28k▲
Remuneration and social security454/9€115k€105k▼
Other amounts payable47/48€95k€367k▲
Accrued charges and deferred income492/3€1.42M€1.56M▲
Income statement
Code20242025
Remuneration, social security and pensions62€565k€517k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€178k€181k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€867k€840k▼
Operating profit (loss)9901€118k€136k▲
Financial income75/76B€132€204▲
Recurring financial income75€132€204▲
Financial charges65/66B€9k€9k▼
Recurring financial charges65€9k€9k▼
Profit (loss) for the period before taxes9903€109k€127k▲
Income taxes67/77€27k€45k▲
Profit (loss) for the period9904€82k€82k▼
Profit (loss) for the period to be appropriated9905€82k€82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€82k▲
Profit (loss) brought forward from the previous period14P€-43k€0▲
Transfer from equity791/2€183k€393k▲
Transfer to equity691/2€39k€82k▲
To other reserves6921€39k€82k▲
Profit to be distributed694/7€183k€393k▲
Return on contributions (dividend)694€183k€393k▲
Social balance
Average headcount (FTE)90878.48.7▲
The notes to these accounts (11 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-43k ▼126%
Net result drops to €-43k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Highest result since 2018net €211k ▲27.8%
Operating result €324k, net result €211k, both a record.
15-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-03
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, Leuven · 3 establishment units since 1999
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.
Parijsstraat 743000 LeuvenGround area
1.2 ha
Building footprint
2,823 m²
Volume, LiDAR
33,890 m³
3 parcels, Brussels, Flanders · tallest building 20.2 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Parijsstraat 74, 3000 Leuven
since 19992.090.648.522
Elsense Steenweg 151-153, 1050 Elsene
since 20212.315.362.977
Lennikse Baan 804, 1070 Anderlecht
since 20212.315.363.175
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A1025/00E000 ProtectedMonument · Site or landscapeGemeentehuis en zijn tuin - voormalig verblijf van Charles de Beriot en la MalibranSource ↗ |
Brussels | 6,989 m² | 1 · 864 m² | 20.2 m · 5 fl. |
| 21307E0036/00F003 | Brussels | 3,970 m² | 1 · 1,421 m² | 13.6 m · 4 fl. |
| 24504D0704/00D000 | Flanders | 957 m² | 1 · 538 m² | 15.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 213 EUR awarded · 213 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 213 EUR | 213 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 3,886 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-1999
Fiscal year end30-09
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.