IMMO LECLERCQ
ActiveIMMO LECLERCQ has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €374k and a net result of €250k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency64▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.53 in 2024; short-term debt: 61% and cash: 84.5% of total assets), but 61% 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
39%
Return on assets
26%
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 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
32 d late
2023
26 d late
2022
30 d late
2021
3 d late
2020
11 d late
2019
31 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€374k▲ 36.2%
2024 · €275k
2018: €207k
2019: €94k
2020: €124k
2021: €165k
2022: €311k
2023: €227k
2024: €275k
2018 → 2025
Total assets
€961k▲ 34.3%
2024 · €715k
2018: €379k
2019: €366k
2020: €262k
2021: €280k
2022: €436k
2023: €447k
2024: €715k
2018 → 2025
Net result
€250k▲ 26.3%
2024 · €198k
2018: €29k
2019: €89k
2020: €30k
2021: €42k
2022: €146k
2023: €110k
2024: €198k
2018 → 2025
Working capital
€306k▲ 30.7%
2024 · €234k
2018: €184k
2019: €22k
2020: €124k
2021: €139k
2022: €281k
2023: €189k
2024: €234k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€165k-€311k▲ 88.4%€227k▼ 26.9%€275k▲ 20.9%€374k▲ 36.2%
Operating result€61k-€199k▲ 226%€151k▼ 23.8%€267k▲ 76.6%€337k▲ 26.1%
Net result€42k-€146k▲ 251%€110k▼ 24.3%€198k▲ 78.8%€250k▲ 26.3%
Turnover and EBIT margin not published: the micro 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 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €961k
Fixed assets
€68k▲ 68.0%
Current assets
€893k▲ 32.3%
Equity and liabilities €961k
Equity
€374k▲ 36.2%
Debt
€587k▲ 33.2%
The debt ratio falls from 61.6% to 61.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€353k▲
2024 · €278k
Cash flow
€265k▲
2024 · €208k
Solvency
39.0%▲
2024 · 38.4%
Current ratio
1.52▼
2024 · 1.53
Quick ratio
1.52▼
2024 · 1.53
Debt / equity
1.57▼
2024 · 1.60
ROE
66.7%▼
2024 · 71.9%
ROA
26.0%▼
2024 · 27.6%
Interest coverage
628.14▲
2024 · 510.90
Debt
€587k▲
2024 · €441k
Debt ≤ 1 year
€587k▲
2024 · €441k
Income taxes
€88k▲
2024 · €69k
Staff costs
€118k▲
2024 · €99k
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€715k€961k▲
Fixed assets21/28€41k€68k▲
Tangible fixed assets22/27€41k€68k▲
Plant, machinery and equipment23€10k€20k▲
Furniture and vehicles24€15k€35k▲
Other tangible fixed assets26€16k€14k▼
Current assets29/58€675k€893k▲
Amounts receivable within one year40/41€99k€75k▼
Trade receivables40€78k€39k▼
Other amounts receivable41€21k€36k▲
Current investments50/53-€4k
Cash at bank and in hand54/58€573k€812k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€715k€961k▲
Equity10/15€275k€374k▲
Contributions10/11€19k€19k=
Reserves13€61k€61k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€195k€294k▲
Amounts payable17/49€441k€587k▲
Amounts payable within one year42/48€441k€587k▲
Trade debts44€25k€26k▲
Suppliers440/4€25k€26k▲
Advances received on contracts in progress46€216k€202k▼
Taxes, remuneration and social security45€42k€52k▲
Taxes450/3€32k€30k▼
Remuneration and social security454/9€10k€22k▲
Other amounts payable47/48€157k€307k▲
Income statement
Code20242025
Remuneration, social security and pensions62€99k€118k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€16k▲
Other operating charges640/8€228€796▲
Gross operating margin9900€377k€471k▲
Operating profit (loss)9901€267k€337k▲
Financial income75/76B€68€1k▲
Recurring financial income75€68€1k▲
Financial charges65/66B€544€561▲
Recurring financial charges65€544€561▲
Profit (loss) for the period before taxes9903€267k€338k▲
Income taxes67/77€69k€88k▲
Profit (loss) for the period9904€198k€250k▲
Profit (loss) for the period to be appropriated9905€198k€250k▲
Appropriation of the result
Profit (loss) to be appropriated9906€345k€444k▲
Profit (loss) brought forward from the previous period14P€147k€195k▲
Profit to be distributed694/7€150k€150k=
Return on contributions (dividend)694€150k€150k=
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €250k ▲26.3%
Operating result €337k, net result €250k, both a record.
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 32 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €311k ▲88.4%
5 profitable years in a row build equity to €311k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Equity above €150kEq €165k ▲33.7%
4 profitable years in a row build equity to €165k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 11 days late
2020
31-12
Financial
Equity above €100kEq €124k ▲31.9%
3 profitable years in a row build equity to €124k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tournai · 1 establishment unit since 2006
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.
Boulevard des Déportés(TOU) 567500 TournaiGround area
757 m²
Building footprint
275 m²
Volume, LiDAR
1,657 m³
2 parcels, Wallonia · tallest building 13.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO LECLERCQ
since 20062.152.597.571
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462A0154/00X002 | Wallonia | 490 m² | 1 · 176 m² | 13.8 m · 2 fl. |
| 57462A0281/00A028 | Wallonia | 268 m² | 1 · 99 m² | 11.6 m · 1 fl. |
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.
Similar companies · same sector, comparable size
DENVEST
BE 0631.785.447
Nieuwpoort · Eq €374k
MORTIER CONSULT
BE 0811.145.078
Kortrijk · Eq €375k
ACCENT OFFICES
BE 0806.179.371
Roeselare · Eq €375k
MANON
BE 0460.497.107
Zulte · Eq €375k
AL 33
BE 0639.915.730
Antwerpen · Eq €373k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2006
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68310Real estate agency activities
68311Real estate activities
70120
70311
70322
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.