IMMO-L
ActiveSummary
The computed 12-month bankruptcy probability of IMMO-L is 2.2% (moderate). The 2025 annual accounts show negative equity (-€185,200) and a net result of -€21,556. Equity is shrinking by ~37.1% per year across the filed fiscal years. The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability-
Solvency-
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€185,200
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
18 d late
2023
22 d late
2022
71 d late
2021
17 d late
2020
37 d late
2019
32 d early
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 23 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (2)
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. Usually files around 23 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
-€185,200▼ 13.2%
2024 · -€163,644
Total assets
€16,773=
2023 · €16,773
Net result
-€21,556▼ 234%
2024 · -€6,449
Working capital
-€163,579▼ 4.1%
2023 · -€157,195
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€26,688▼ 84.0%-€150,440▼ 464%-€2,591▲ 98.3%-€1,847▲ 28.7%-€17,998▼ 874%
Net result-€40,890▼ 77.3%-€170,922▼ 318%-€17,751▲ 89.6%-€6,449▲ 63.7%-€21,556▼ 234%
Equity€31,479▼ 56.5%-€139,444-€157,195▼ 12.7%-€163,644▼ 4.1%-€185,200▼ 13.2%
Total assets€347,747▼ 6.8%€383,843▲ 10.4%€16,773▼ 95.6%€16,773=
Debt€316,269▲ 5.2%€523,287▲ 65.5%€173,968▼ 66.8%€180,417▲ 3.7%€185,200▲ 2.7%
Working capital-€13,657-€136,796▼ 902%-€157,195▼ 14.9%-€163,579▼ 4.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17,998 in 2025 against €1,847 in 2024; the loss grows.
Key figures and ratios
Debt to equity
-1.00▲
2024 · -1.10
Debt ≤ 1 year
€184,735▲
2024 · €180,352
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18,033 | €18,033 | - | - | - | - |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €16,773 | - |
| Other operating charges640/8 | €522 | €133,495 | €637 | €516 | €465 | ▼ 9.9% |
| Gross operating margin9900 | -€8,133 | €1,088 | -€1,954 | -€1,331 | -€759 | ▲ 43.0% |
| Operating profit (loss)9901 | -€26,688 | -€150,440 | -€2,591 | -€1,847 | -€17,998 | ▼ 874% |
| Financial charges65/66B | €14,201 | €20,482 | €15,160 | €4,602 | €3,559 | ▼ 22.7% |
| Recurring financial charges65 | €14,201 | €20,482 | €15,160 | €4,602 | €3,559 | ▼ 22.7% |
| Profit (loss) for the period before taxes9903 | -€40,890 | -€170,922 | -€17,751 | -€6,449 | -€21,556 | ▼ 234% |
| Profit (loss) for the period9904 | -€40,890 | -€170,922 | -€17,751 | -€6,449 | -€21,556 | ▼ 234% |
| Profit (loss) for the period to be appropriated9905 | -€40,890 | -€170,922 | -€17,751 | -€6,449 | -€21,556 | ▼ 234% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €347,747 | €383,843 | €16,773 | €16,773 | - | - |
| Fixed assets21/28 | €301,739 | - | - | - | - | - |
| Tangible fixed assets22/27 | €298,824 | - | - | - | - | - |
| Land and buildings22 | €293,405 | - | - | - | - | - |
| Plant, machinery and equipment23 | €5,419 | - | - | - | - | - |
| Financial fixed assets28 | €2,916 | - | - | - | - | - |
| Current assets29/58 | €46,008 | €383,843 | €16,773 | €16,773 | - | - |
| Amounts receivable within one year40/41 | €46,008 | €383,843 | €16,773 | €16,773 | - | - |
| Trade receivables40 | - | €383,843 | - | - | - | - |
| Other amounts receivable41 | €46,008 | - | €16,773 | €16,773 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €347,747 | €383,843 | €16,773 | €16,773 | - | - |
| Equity10/15 | €31,479 | -€139,444 | -€157,195 | -€163,644 | -€185,200 | ▼ 13.2% |
| Contributions10/11 | €19,000 | €19,000 | €19,000 | €19,000 | €19,000 | = |
| Reserves13 | €101,900 | €101,900 | €101,900 | €101,900 | €101,900 | = |
| Non-distributable reserves130/1 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Reserves not available under the articles1311 | €1,900 | €1,900 | €1,900 | €1,900 | €1,900 | = |
| Distributable reserves133 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Profit (loss) carried forward14 | -€89,421 | -€260,344 | -€278,095 | -€284,544 | -€306,100 | ▼ 7.6% |
| Amounts payable17/49 | €316,269 | €523,287 | €173,968 | €180,417 | €185,200 | ▲ 2.7% |
| Amounts payable after more than one year17 | €256,603 | - | - | - | - | - |
| Financial debts170/4 | €256,603 | - | - | - | - | - |
| Amounts payable within one year42/48 | €59,665 | €520,639 | €173,968 | €180,352 | €184,735 | ▲ 2.4% |
| Current portion of amounts payable after more than one year42 | €19,616 | €256,603 | €64,423 | €58,561 | €52,427 | ▼ 10.5% |
| Financial debts43 | €10,131 | €47,539 | €908 | €1,610 | €720 | ▼ 55.3% |
| Credit institutions430/8 | €10,131 | €47,539 | €908 | €1,610 | €720 | ▼ 55.3% |
| Trade debts44 | €8,276 | €77,399 | €5,443 | €6,435 | €7,194 | ▲ 11.8% |
| Suppliers440/4 | €8,276 | €77,399 | €5,443 | €6,435 | €7,194 | ▲ 11.8% |
| Other amounts payable47/48 | €21,642 | €139,097 | €103,194 | €113,746 | €124,395 | ▲ 9.4% |
| Accrued charges and deferred income492/3 | - | €2,648 | - | €65 | €465 | ▲ 612% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€40,890 | -€170,922 | -€17,751 | -€6,449 | -€21,556 | ▼ 234% |
| + Depreciation and write-downs630 | €18,033 | €18,033 | - | - | - | - |
| Operating cash flow (approximation) | -€22,857 | -€152,889 | -€17,751 | -€6,449 | -€21,556 | ▼ 234% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
31-12
Financial
Weakest financial yearnet -€170,922
Net result drops to -€170,922, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
06-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 37 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-07
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.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
9 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, Namur · 1 establishment unit since 2000
Ground area
861 m²
Building footprint
228 m²
Volume, LiDAR
1,124 m³
2 parcels, Brussels, Wallonia · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
AUDIO LECLERCQ APPAREILS AUDITIFS SPRL
since 20002.093.541.793
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135C0488/00C000 | Wallonia | 738 m² | 1 · 129 m² | - |
| 21673D0140/00D007 | Brussels | 122 m² | 1 · 99 m² | 17.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded29-12-1999
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance
If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.