IMMO J. EN J. ESTATE
ActiveIMMO J. EN J. ESTATE has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €-15k. Equity is growing by ~36.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-57
Solvency45▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.32 against 0.31 in 2024; short-term debt: 79.9% and cash: 1.7% of total assets), and 79.9% 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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.1%
Return on assets
-3.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 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
40 d late
2024
36 d late
2023
30 d late
2022
17 d late
2021
3 d early
2020
3 d late
2019
19 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€85k▼ 15.0%
2024 · €100k
2018: €-23k
2019: €-39k
2020: €34k
2021: €44k
2022: €58k
2023: €80k
2024: €100k
2018 → 2025
Total assets
€421k▼ 1.3%
2024 · €427k
2018: €557k
2019: €533k
2020: €432k
2021: €438k
2022: €441k
2023: €442k
2024: €427k
2018 → 2025
Net result
€-15k
2024 · €19k
2018: €-15k
2019: €-16k
2020: €72k
2021: €11k
2022: €14k
2023: €23k
2024: €19k
2018 → 2025
Working capital
€-230k▼ 2.5%
2024 · €-225k
2018: €-385k
2019: €-404k
2020: €-240k
2021: €-247k
2022: €-253k
2023: €-251k
2024: €-225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€58k▲ 30.7%€80k▲ 39.2%€100k▲ 23.7%€85k▼ 15.0%
Operating result€15k-€16k▲ 10.7%€34k▲ 106%€30k▼ 11.4%€-3k
Net result€11k-€14k▲ 26.9%€23k▲ 66.8%€19k▼ 15.9%€-15k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €30k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421k
Fixed assets
€315k▼ 2.9%
Current assets
€106k▲ 3.8%
Equity and liabilities €421k
Equity
€85k▼ 15.0%
Debt
€337k▲ 2.9%
The debt ratio rises from 76.7% to 79.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €39k
Cash flow
€-6k▼
2024 · €28k
Solvency
20.1%▼
2024 · 23.3%
Current ratio
0.32▲
2024 · 0.31
Quick ratio
0.32▲
2024 · 0.31
Debt / equity
3.98▲
2024 · 3.29
ROE
-17.7%▼
2024 · 19.1%
ROA
-3.6%▼
2024 · 4.5%
Interest coverage
0.37▼
2024 · 41.21
Debt
€337k▲
2024 · €327k
Debt ≤ 1 year
€337k▲
2024 · €327k
Income taxes
€21▼
2024 · €10k
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€427k€421k▼
Fixed assets21/28€324k€315k▼
Tangible fixed assets22/27€324k€315k▼
Land and buildings22€324k€315k▼
Current assets29/58€102k€106k▲
Amounts receivable within one year40/41€98k€99k▲
Other amounts receivable41€98k€99k▲
Current investments50/53€0-
Cash at bank and in hand54/58€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€427k€421k▼
Equity10/15€100k€85k▼
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€37k€37k=
Non-distributable reserves130/1€1k€1k=
Legal reserve130€1k€1k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14-€-15k
Amounts payable17/49€327k€337k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€327k€337k▲
Current portion of amounts payable after more than one year42€5k€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€2k€150▼
Suppliers440/4€2k€150▼
Taxes, remuneration and social security45€19k€10k▼
Taxes450/3€19k€10k▼
Other amounts payable47/48€301k€327k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€6k€14k▲
Gross operating margin9900€46k€20k▼
Operating profit (loss)9901€30k€-3k▼
Financial income75/76B€0€5k▲
Recurring financial income75€0€5k▲
Financial charges65/66B€954€17k▲
Recurring financial charges65€954€17k▲
Profit (loss) for the period before taxes9903€29k€-15k▼
Income taxes67/77€10k€21▼
Profit (loss) for the period9904€19k€-15k▼
Profit (loss) for the period to be appropriated9905€19k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€-15k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€19k€0▼
To other reserves6921€19k€0▼
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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 40 days late
2025
05-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 36 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
31-12
Financial
Back to profitnet €72k
Net result €72k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Temse · 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.
Nieuwe Steenweg 639140 TemseGround area
2,263 m²
Building footprint
532 m²
Volume, LiDAR
2,836 m³
Parcel 46008A0352/00D000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nieuwe Steenweg 63, 9140 Temse
since 19892.044.109.110
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46008A0352/00D000 | Flanders | 2,263 m² | 1 · 532 m² | 9.3 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-06-1989
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.