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IMMO K-Z

Active
Private limited companyfounded 1990active for 36 yearsDe Judestraat 57-59, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0440.023.771
Summary

IMMO K-Z has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €839,512 and a net result of -€78,705. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 11,089 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Real estate agency activities
NACE 68310
2 sites
Size
€3.9mtotal assets 2025
Equity
€839,512
Loss
-€78,705
Turnover not published (abbreviated format)
Financial health
91 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Holdings
1
Accounts filed 28 days late0 of 1 deed read
Why 91raises riskLiquidity: current ratio 1.54, cash €8,856, halvedlowers riskSize: total assets €3.9mFounded in 1990Figures for financial year 2025 (filed 28-08-2026)Show the evidence

Checked score

Score 2025
91 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 51% of its sector peers (NACE 68, small)
Financial strength · tick = 2024
Weak
Solvency 47+22
equity 21.6% of total assets
Liquidity 48-4
short-term debt 13.6% · cash 0.2%
Profitability 23+2
return on assets -2.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,971 companies, NACE 68, small)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.3%▲ +0.1 percentage points vs 05-2025 07-2025: 0.5%▲ +0.2 percentage points vs 06-2025 08-2025: 0.8%▲ +0.3 percentage points vs 07-2025highest value 09-2025: 0.2%▼ -0.6 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.3%▲ +0.1 percentage points vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.3 percentage points vs 07-2026 09-2026: 0.1%▼ -0.5 percentage points vs 08-2026lowest value 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.54, compared with 2.06 in 2024; short-term debt: 13.6% and cash: 0.2% of total assets), but 78.4% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small): better than 41% on solvency, 48% on liquidity, 15% on profitability and 99% on growth.

The bankruptcy probability was computed on 09-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.54, cash €8,856, halved
NBB · annual accounts
lowers risk · Size: total assets €3.9m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 1990
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 28-08-2026)
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 10 filings
Deviation from the deadline
2025
28 days late
2024
21 days late
2023
30 days late
2022
28 days late
2021
23 days late
2020
25 days early
2019
32 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Equity above €500,000equity €839,512
  3. Annual accounts filedfinancial year 2024 · abbreviated…

Key points

  • Risk: 3 loss-making years in a rowloss financial year 2025 -€78,705 View
  • Caution: Among the weakest 13% on net resultsector median €10,133 · 11,078 companies -€78,705 View
  • Active since 1990founded 06-03-1990 36 years View

By topic

Financials

Financial year
2025
Total assets
€3.9m
Loss
-€78,705
Solvency
21.6%
Total assets▲ 27.9%
Net result
20182025
Go to Financials

Timeline

Events
41
Since
1991
Next accounts
by 31-07-2027
  1. 31-12-2024Liquidity more than triples
  2. 30-08-2024Annual accounts filed
  3. 28-08-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Real estate agency activitiesNACE 68310
Founded
06-03-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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