Equity
€242,367 ▲ 12.3%
IMMO LOCK has made a profit without a break since 2015.
IMMO LOCK
Lifetime
20 annual accounts with figures on one time axis, 34 filings since 1992peak €52,717 (2010)
€41,558▲ 121%
lowest -€16,268 (2008)
€26,563▲ 114%
peak €242,367 (2025)
€242,367▲ 12.3%
€130,464▲ 16.5%
Board1 name since 2024
1 directorSeurlynck Katrien
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Gross margin from €18,787 to €41,558Result from €12,384 to €26,563Equity from €215,804 to €242,367Debts from €112,028 to €130,464
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 76% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
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: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025highest value
09-2025: < 0.1%▼ -0.2 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026lowest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 of the last 3 accounts late
lowers risk
Liquidity: current ratio 2.86, cash €284,006
Equity €242,367 (65.0% of total assets)
Founded in 1991
Calculation
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 74% of them on solvency, 88% on liquidity, 74% on profitability and 69% 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 31-12-2025.
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).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as IMMO LOCK has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of IMMO LOCK itself: < 0.1% within 12 months.
Test of the method
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 31,368 companies, not a prediction for IMMO LOCK. 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.
Credit verdict
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.86 (2.91 in 2024), above the usual 1.5. Short-term debt is 34.6% and cash 76.2% of total assets. 35% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 days early
2024
7 days late
2023
96 days late
2022
30 days late
2021
31 days late
2020
108 days late
2019
105 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 54 days after 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.
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 30 August (4 of the last 5 accounts filed within 32 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0444998980
Purpose change · Amendment of the articles · Legal-form change
“Energiedeskundige,asbestdeskundige,schattingen; Verkoop van tweedehands kledij,juwelen of…” (deed in Dutch) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 15-11-2023 · Gazette deed
First establishment
IMMO LOCK EBVBA, Kustlaan 28, Knokke-Heist
Incorporation
published on 24-09-1991 · Gazette deed
Comparable companies
same main activity, similar in size and ageThese companies have the same main activity as IMMO LOCK: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €343,000 and €443,000, founded between 1988 and 1991.
Official details
Source: KBO- Status
- Active since 28-08-1991Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.054.418.6268300 Knokke-Heist, since 03-10-1991
- Financial year end
- 31 December
- Peppol
- Reachable since 16-02-2026
Annual accounts 2025
- €372,830▲ 13.7%
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on IMMO LOCK
IMMO LOCK files the micro format. That format states no turnover. The gross margin rose from €5,954 in 2006 to €41,558 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about IMMO LOCK
- What is the company number of IMMO LOCK?
- The company number of IMMO LOCK is 0444.998.980. The VAT number is the same number with BE in front: BE 0444.998.980.
- Where is IMMO LOCK based?
- The registered office is at Kustlaan 28, 8300 Knokke-Heist.Company details
- What does IMMO LOCK do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of IMMO LOCK?
- IMMO LOCK is a private limited company (BV).
- When was IMMO LOCK founded?
- IMMO LOCK was founded on 28-08-1991.
- Is IMMO LOCK still active?
- Yes, IMMO LOCK is an active enterprise in the KBO register.
- What is the turnover of IMMO LOCK?
- The turnover in financial year 2025 is ≈ €91,000. This figure is estimated from the gross margin of €41,558 and 32 comparable companies (NACE 683). It probably lies between €62,000 and €160,000.Financials
- Is IMMO LOCK profitable?
- In financial year 2025, IMMO LOCK made a profit of €26,563.
- Where can I find the annual accounts of IMMO LOCK?
- IMMO LOCK filed 34 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of IMMO LOCK due?
- IMMO LOCK must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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