Equity
IMMO LECOMTE has made a profit without a break since 2020.
IMMO LECOMTE has made a profit without a break since 2020.
The accounts state no turnover.
€1.5m of the debts are secured on the company's own assets. In 2022 that was €1.4m.
Green is investment, beige is depreciation.
The 2020 accounts came latest: 28 days after the end of the period.
Merger with Victor Company. Merger on 31-01-2025.
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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, micro). It does better than 42% of them on solvency, 26% on liquidity, 45% on profitability and 47% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 28-02-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 3,274 companies had the same profile as IMMO LECOMTE has now. Each dot stands for 9 companies, two years later.
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of IMMO LECOMTE itself is lower: 0.1% within 12 months. It rests on far more data about IMMO LECOMTE than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,274 companies, not a prediction for IMMO LECOMTE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is insufficient, with a current ratio of 0.82 (0.84 in 2025), below 1. Short-term debt is 42.3% and cash 2.8% of total assets. 78% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 3 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| IMMO LECOMTE Ostend | €3.7m | €186,659 | 22.0% | 0.6 |
| GEDAN INVEST Oudenburg | €3.2m | €191,658 | 84.4% | 1 |
| NINA BRUNO VASTGOED Genk | €2.7m | €217,009 | -6.8% | 1 |
| BE TYCOON REAL ESTATE & FINANCE Brussels | €2.7m | €290,870 | 4.3% | 0.5 |
| COMINN Aalst | €2.5m | €234,682 | 5.3% | 1 |
| WIM DESTRYKER PROJECTONTWIKKELING EN CONSULTING Halle | €2.8m | €183,333 | 67.8% | 0.5 |
| NESTIN Ixelles | €3.5m | €148,834 | 40.2% | 0 |
These companies have the same main activity as IMMO LECOMTE: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €2.5m and €3.5m, founded between 2010 and 2018.
The gross margin has fallen every year since 2021.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
The turnover shown is an estimate from the gross margin.
Turnover ≈ €330,000. Estimated: probably between €260,000 and €500,000.
Higher than 34% of 5,810 companies in 2025.
Higher than 36% of 5,561 companies in 2025.
Higher than 40% of 5,784 companies in 2025.
Staff costs divided by the average number of full-time equivalents.
In 2026, 1 person joined and 1 left.
| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||
20/58 |
3.7m | 3.8m | 2.2m | 2.3m | 2.1m | 2.3m | 464,790 | 1,567 | 1,395 | |
21/28 |
2.4m | 2.5m | 2.1m | 2.0m | 1.9m | 1.9m | 34,000 | - | - | |
21 |
17,119 | 22,661 | 5,576 | 14,116 | 19,567 | 27,082 | 34,000 | - | - | |
22/27 |
2.4m | 2.5m | 2.0m | 2.0m | 1.9m | 1.8m | - | - | - | |
22 |
2.2m | 2.2m | 1.8m | 1.8m | 1.8m | 1.8m | - | - | - | |
23 |
154,592 | 184,148 | 130,900 | 105,749 | 58,921 | 37,012 | - | - | - | |
24 |
52,107 | 92,266 | 124,276 | 135,844 | 21,807 | 26,032 | - | - | - | |
28 |
- | - | 40,000 | - | - | - | - | - | - | |
29/58 |
1.3m | 1.3m | 186,614 | 282,760 | 231,699 | 414,349 | 430,790 | 1,567 | 1,395 | |
3 |
20,307 | 20,307 | - | - | - | - | - | - | - | |
30/36 |
20,307 | 20,307 | - | - | - | - | - | - | - | |
40/41 |
1.1m | 1.1m | 120,372 | 181,823 | 164,916 | 382,681 | 338,671 | 1,564 | 1,184 | |
40 |
55,371 | 88,310 | 10,919 | 149,044 | 84,789 | 251,544 | 64,578 | - | - | |
41 |
1.1m | 1.1m | 109,453 | 32,779 | 80,127 | 131,137 | 274,093 | 1,564 | 1,184 | |
54/58 |
101,389 | 68,316 | 62,508 | 99,793 | 64,943 | 30,033 | 92,120 | 3 | 3 | |
490/1 |
10,051 | 36,691 | 3,733 | 1,144 | 1,840 | 1,635 | - | - | 208 | |
| Balance sheet: equity and liabilities | ||||||||||
10/49 |
3.7m | 3.8m | 2.2m | 2.3m | 2.1m | 2.3m | 464,790 | 1,567 | 1,395 | |
10/15 |
804,345 | 801,343 | 800,568 | 763,434 | 633,109 | 457,065 | 287,884 | -17,370 | -14,786 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
10 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | - | - | - | - | |
100 |
18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
798,145 | 795,143 | 794,368 | 757,234 | 626,909 | 450,865 | 281,684 | - | - | |
130/1 |
- | - | - | 1,860 | 1,860 | 1,860 | - | - | - | |
130 |
- | - | - | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
133 |
798,145 | 795,143 | 794,368 | 755,374 | 625,049 | 449,005 | 279,824 | - | - | |
14 |
- | - | - | - | - | - | - | -23,570 | -20,986 | |
17/49 |
2.9m | 3.0m | 1.4m | 1.6m | 1.5m | 1.8m | 176,906 | 18,937 | 16,181 | |
17 |
1.3m | 1.5m | 1.1m | 1.2m | 1.3m | 1.4m | - | - | - | |
170/4 |
1.3m | 1.5m | 1.1m | 1.2m | 1.3m | 1.4m | - | - | - | |
42/48 |
1.5m | 1.5m | 313,344 | 351,077 | 172,057 | 426,811 | 176,906 | 2,903 | 16,181 | |
42 |
170,164 | 174,916 | 93,525 | 157,179 | 91,046 | 89,809 | - | - | - | |
43 |
- | - | 17,130 | - | - | - | - | - | - | |
430/8 |
- | - | 17,130 | - | - | - | - | - | - | |
44 |
22,413 | 37,212 | 25,943 | 57,449 | 15,522 | 41,325 | 11,636 | 2,756 | - | |
440/4 |
22,413 | 37,212 | 25,943 | 57,449 | 15,522 | 41,325 | 11,636 | 2,756 | - | |
45 |
14,951 | 26,912 | 41,959 | 52,436 | 41,712 | 91,131 | 165,270 | 147 | 147 | |
450/3 |
13,504 | 23,024 | 28,815 | 49,136 | 33,270 | 87,321 | 163,754 | 147 | 147 | |
454/9 |
1,446 | 3,888 | 13,144 | 3,300 | 8,443 | 3,810 | 1,516 | - | - | |
47/48 |
1.3m | 1.3m | 134,786 | 84,013 | 23,777 | 204,545 | - | - | 16,034 | |
492/3 |
7,901 | 7,901 | 7,901 | 2,156 | - | - | - | 16,034 | - | |
| Income statement | ||||||||||
76A |
2,401 | - | - | - | - | - | - | - | 117 | |
9900 |
186,659 | 233,667 | 269,567 | 367,134 | 411,335 | 477,101 | 303,230 | -2,584 | -15,133 | |
62 |
25,678 | 77,907 | 76,528 | 57,467 | 66,741 | 37,321 | 6,654 | - | 5,853 | |
630 |
153,551 | 141,931 | 111,541 | 71,274 | 62,513 | 203,155 | 8,500 | - | - | |
640/8 |
18,656 | 19,770 | 17,923 | 14,768 | 3,652 | 10,035 | - | - | - | |
9901 |
-11,226 | -5,941 | 63,577 | 223,625 | 278,430 | 226,589 | 288,076 | -2,584 | -20,986 | |
75/76B |
47,450 | 39,807 | 28,501 | 9,215 | 14,869 | 14,831 | - | - | - | |
75 |
47,450 | 39,807 | 28,501 | 9,215 | 14,869 | 14,831 | - | - | - | |
65/66B |
32,670 | 30,522 | 45,217 | 41,144 | 19,876 | 894 | 40 | - | 0 | |
65 |
32,670 | 30,522 | 45,217 | 41,144 | 19,876 | 894 | 40 | - | 0 | |
9903 |
3,554 | 3,344 | 46,861 | 191,695 | 273,423 | 240,526 | 288,036 | -2,584 | -20,986 | |
67/77 |
553 | 2,569 | 9,726 | 61,370 | 97,380 | 71,345 | 95,865 | - | - | |
9904 |
3,002 | 775 | 37,135 | 130,325 | 176,043 | 169,181 | 192,171 | -2,584 | -20,986 | |
9905 |
3,002 | 775 | 37,135 | 130,325 | 176,043 | 169,181 | 192,171 | -2,584 | -20,986 | |
| Appropriation of the result | ||||||||||
9906 |
3,002 | 775 | 37,135 | 130,325 | 176,043 | 169,181 | 192,171 | -23,570 | -20,986 | |
691/2 |
3,002 | 775 | 37,135 | 130,325 | 176,043 | 169,181 | 192,171 | - | - | |
6921 |
3,002 | 775 | 37,135 | 130,325 | 176,043 | 169,181 | 192,171 | - | - | |
| Social balance sheet | ||||||||||
9087 |
0.6 | 1.8 | 1.8 | 1.8 | 1.8 | 1.2 | - | - | 0.3 | |
Hours worked1013 |
974 | 27,855 | 3,207 | 2,096 | 3,056 | 1,643 | - | - | 228 | |
| Document | ||||||||||
The notes to these accounts have 17 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2026 at the NBB, filed on 16-09-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 28-02-2026 | full format | 16-09-2026 | 2026-00514268 | |
| 28-02-2025 | abbreviated format | 24-09-2025 | 2025-00501487 | |
| 28-02-2024 | abbreviated format | 18-09-2024 | 2024-00464837 | |
| 28-02-2023 | abbreviated format | 19-09-2023 | 2023-00448578 | |
| 28-02-2022 | abbreviated format | 28-09-2022 | 2022-20438337 | |
| 28-02-2021 | abbreviated format | 24-09-2021 | 2021-68300012 | |
| 28-02-2020 | micro format | 26-10-2020 | 2020-63100109 | |
| 28-02-2019 | abbreviated format | 09-10-2019 | 2019-69300415 | |
| 28-02-2018 | full format | 27-09-2018 | 2018-65900463 |
| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €509 | €509 |
| 2022 | 1 | €47 | €47 |
| Line | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| 142,326 | 135,990 | 175,117 | 294,899 | 340,942 | 429,744 | 296,576 | - | - | ||
| 156,553 | 142,706 | 148,675 | 201,599 | 238,556 | 372,336 | 200,671 | - | - | ||
| 26,690 | 651,559 | 119,308 | 259,743 | 75,406 | 2.0m | 42,500 | - | - | ||
| 33,073 | 5,807 | -37,285 | 34,851 | 34,910 | -62,087 | 92,116 | 0 | - | ||
| -284,866 | -244,614 | -126,730 | -68,317 | 59,642 | -12,462 | 253,884 | -1,336 | -14,786 | ||
| 22.0% | 21.1% | 35.7% | 32.8% | 30.0% | 20.1% | 61.9% | - | - | ||
| 0.82 | 0.84 | 0.60 | 0.81 | 1.35 | 0.97 | 2.44 | - | - | ||
| 0.80 | 0.83 | 0.60 | 0.81 | 1.35 | 0.97 | 2.44 | - | - | ||
| 3.55 | 3.73 | 1.80 | 2.05 | 2.33 | 3.99 | 0.61 | - | - | ||
| 0.4% | 0.1% | 4.6% | 17.1% | 27.8% | 37.0% | 66.8% | - | - | ||
| 0.1% | 0.0% | 1.7% | 5.6% | 8.3% | 7.4% | 41.3% | - | - | ||
| 4.36 | 4.46 | 3.87 | 7.17 | 17.15 | - | - | - | - |
EBIT margin: not included in this filing.
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 28-02-2026 | 28-02-2025 | 28-02-2024 | 28-02-2023 | 28-02-2022 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | - | - | 2 | 1 | 1 |
| full-time | - | - | 2 | 1 | 1 |
| in full-time equivalents | - | - | 2 | 1 | 1 |
| 0.6 | 1.8 | 1.8 | 1.4 | 1.8 | |
| On a permanent contract | - | - | 2 | 1 | 1 |
| Joined | 1 | 1 | 1 | 2 | 1 |
| Left | 1 | 3 | 0 | 2 | 1 |
| Training hours | - | 635 | 47 | - | - |
Source: social balance sheet in the 2022 to 2026 annual accounts
| Item | 28-02-2026 | 28-02-2025 | 28-02-2024 | 28-02-2023 | 28-02-2022 |
|---|---|---|---|---|---|
| Debts secured on the company's own assets | €1.5m | €1.6m | €1.2m | €1.3m | €1.4m |
| Mortgages, amount registered | €170,500 | €170,500 | €170,500 | €170,500 | €170,500 |
| €1.5m | €1.5m | €1.5m | €1.5m | €1.5m | |
| Carrying value of the mortgaged assets | €2.2m | €2.5m | €1.7m | €1.7m | €1.8m |
Source: notes to the 2022 to 2026 annual accounts (statement of debts and off-balance-sheet rights and commitments)
| Item | 28-02-2026 | 28-02-2025 | 28-02-2024 | 28-02-2023 | 28-02-2022 |
|---|---|---|---|---|---|
| Tangible fixed assets | €26,690 | €631,098 | €77,868 | €255,863 | €73,790 |
| Intangible fixed assets | - | €20,461 | €1,440 | €3,880 | €1,616 |
| Financial fixed assets | - | - | €40,000 | - | - |
| €153,551 | €141,931 | €111,541 | €71,274 | €62,513 |
Source: notes to the 2022 to 2026 annual accounts (statement of fixed assets)
The operating result for 2026 is a loss of €11,226, larger than the loss of €5,941 in 2025. It is the lowest result since 2018.
Debt's share of the balance-sheet total falls from 78.9% to 78.0%. Equity is higher and debt is lower.
| OUD-ARENBERG
registered office since 06-04-2001 · founded in 2001 |
0.9 FTE (2025) 0473.781.751 |
| DEBO INVEST
establishment since 10-08-2004 · founded in 2004 |
total assets €1.6m (2025) 0866.718.358 |
| FRAVOL
registered office since 30-12-2010 · founded in 2010 |
total assets €912,178 (2026) 0832.423.118 |
| ROFRAMA
registered office since 23-10-1998 · founded in 1998 |
total assets €715,205 (2025) 0464.448.074 |
| Misseghers, Veronique (sole trader)
establishment since 30-10-1995 |
founded in 1995 0781.157.232 |
| PAUL BOONEFAES en Co
registered office since 01-09-1995 |
founded in 1995 0455.949.191 |
| Vereniging van Mede-eigenaars Residentie Lecomte & Ter Duinen te Oostende, Albert I-Promenade 79
registered office since 01-08-1995 |
founded in 1995 0835.277.094 |
| Albert I Promenade
registered office since 11-05-1989 |
founded in 1989 0439.832.543 |
| V.M.E. ALBERT 1 WANDELING 79
registered office since 01-09-1985 |
founded in 1985 0851.220.827 |
| Middenstand, Dienstbetoon aan Kleine en Middelgrote Ondernemingen
registered office since 30-01-1948 |
founded in 1948 0407.139.682 |
| BASKET CLUB OOSTENDE via Volckaert Francis, no longer at BASKET CLUB OOSTENDE · Director · deed of 03-02-2020 founded in 1970 · accounts filed late |
total assets €55,778 (2022) |
| ATTENTIA via Volckaert Francis, no longer at ATTENTIA · Director · deed of 18-05-2011 founded in 1998 |
180 FTE (2025) |
| DÔME@SEA via Volckaert Francis, no longer at DÔME@SEA · Director founded in 2005 |
total assets €973,294 (2025) |
See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.
This company merged into IMMO LECOMTE on 31-01-2025.
Deadline for the 2027 accounts: 30-09-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Albert I-Promenade 79 registered office 8400 Ostend | 13-01-2017 | 2.260.930.735 |
| 28-04-2023 | Granted | Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 14-02-2023 · project 2023019323 | Oostende |
| 02-02-2023 | Discontinued | Functiewijziging submitted 19-12-2022 · project 2022164072 | Oostende |
Source: Omgevingsloket Vlaanderen.
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 35386D0176/00K006 | 272 m² | 1 · 260 m² | 28.8 m · 8 |
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