Immo Jaspar
ActiveSummary
Immo Jaspar has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €183k and a net result of €3k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 51% of 19357 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▲+2
Solvency57▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 4.45 in 2023; short-term debt: 22.8% and cash: 1.4% of total assets), but 68.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
34 d early
2023
37 d early
2022
39 d early
2021
33 d early
2020
31 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€183k▲ 1.7%
2023 · €180k
2018: €45k
2019: €122k
2020: €168k
2021: €191k
2022: €181k
2023: €180k
2018 → 2024
Total assets
€572k▼ 2.1%
2023 · €584k
2018: €275k
2019: €382k
2020: €500k
2021: €496k
2022: €609k
2023: €584k
2018 → 2024
Net result
€3k
2023 · €-2k
2018: €25k
2019: €78k
2020: €46k
2021: €23k
2022: €-10k
2023: €-2k
2018 → 2024
Working capital
€441k▼ 2.6%
2023 · €453k
2018: €260k
2019: €346k
2020: €332k
2021: €355k
2022: €469k
2023: €453k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€168k-€191k▲ 13.7%€181k▼ 5.2%€180k▼ 1.0%€183k▲ 1.7%
Operating result€63k-€32k▼ 49.3%€-7k€959€6k▲ 495%
Net result€46k-€23k▼ 49.9%€-10k€-2k▲ 81.1%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 495% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €572k
Equity
€183k ▲ 1.7%
Debt
€389k ▼ 3.8%
Debt's share of the balance-sheet total falls from 69.3% to 68.1%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
4.38▼
2023 · 4.45
Quick ratio
0.20▼
2023 · 0.25
Debt to equity
2.13▼
2023 · 2.25
ROE
1.7%▲
2023 · -1.0%
ROA
0.5%▲
2023 · -0.3%
Debt ≤ 1 year
€130k▼
2023 · €131k
Debt > 1 year
€259k▼
2023 · €273k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€584k€572k▼
Current assets29/58€584k€572k▼
Stocks and contracts in progress3€551k€546k▼
Stocks30/36€551k€546k▼
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€5k€3k▼
Cash at bank and in hand54/58€20k€8k▼
Equity and liabilities
Total equity and liabilities10/49€584k€572k▼
Equity10/15€180k€183k▲
Contributions10/11€19k€19k=
Reserves13€17k€17k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€144k€147k▲
Amounts payable17/49€405k€389k▼
Amounts payable after more than one year17€273k€259k▼
Financial debts170/4€109k€95k▼
Other amounts payable178/9€164k€164k=
Amounts payable within one year42/48€131k€130k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€567€260▼
Suppliers440/4€567€260▼
Taxes, remuneration and social security45€1k€703▼
Taxes450/3€1k€703▼
Other amounts payable47/48€115k€115k▼
Income statement
Code20232024
Other operating charges640/8€35€936▲
Gross operating margin9900€994€7k▲
Operating profit (loss)9901€959€6k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-2k€3k▲
Profit (loss) for the period9904€-2k€3k▲
Profit (loss) for the period to be appropriated9905€-2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€147k▲
Profit (loss) brought forward from the previous period14P€146k€144k▼
The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-10k ▼143%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €168k ▲37.5%
3 profitable years in a row build equity to €168k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Highest result since 2018net €78k ▲204%
Operating result €114k, net result €78k, both a record.
31-12
Financial
Equity above €100kEq €122k ▲173%
2 profitable years in a row build equity to €122k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Malmedy · 1 establishment unit since 2015
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.
Rue des Cardamines 14960 MalmedyGround area
1,553 m²
Building footprint
276 m²
Volume, LiDAR
966 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Val du Fièrain 36, 4860 Pepinster
since 20152.247.140.897
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63083A0320/00L005 | Wallonia | 1,023 m² | 1 · 174 m² | 7.3 m · 2 fl. |
| 63049F0236/00N008 | Wallonia | 530 m² | 1 · 102 m² | - |
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.
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,862 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-08-2015
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
41001General construction of residential buildings
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.