IMMO LOVER
ActiveSummary
IMMO LOVER has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €560,872 and a net result of -€9,311. Equity remains stable across the filed fiscal years (±1.7% per year). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▼-2
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 35.48 against 6.99 in 2024; short-term debt: 1.3% and cash: 46.8% of total assets), and 1.3% of the assets are financed with debt.
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Signals
Five 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
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
98.7%
Return on assets
-1.6%
Age of the figures
9 mo
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
28 d early
2023
20 d early
2022
30 d late
2021
26 d late
2020
30 d late
2019
87 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 7 accounts on average 15 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 12 July (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€560,872▼ 1.6%
2024 · €570,182
Total assets
€568,400▼ 7.7%
2024 · €616,077
Net result
-€9,311
2024 · €1,655
Working capital
€259,598▼ 1.8%
2024 · €264,379
Trend over the years
In euros
In euros
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€30,904-€5,066-€1,313▲ 74.1%€218-€12,396
Net result-€2,364-€1,382▲ 41.5%€1,531€1,655▲ 8.1%-€9,311
Equity€685,970▼ 0.3%€670,988▼ 2.2%€672,519▲ 0.2%€570,182▼ 15.2%€560,872▼ 1.6%
Total assets€793,137▲ 3.4%€674,356▼ 15.0%€675,979▲ 0.2%€616,077▼ 8.9%€568,400▼ 7.7%
Debt€107,167▲ 36.3%€3,368▼ 96.9%€3,460▲ 2.7%€45,895▲ 1,226%€7,528▼ 83.6%
Working capital€254,439▲ 25.2%€260,194▲ 2.3%€277,913▲ 6.8%€264,379▼ 4.9%€259,598▼ 1.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12,396 after €218 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €568,400
Fixed assets
€301,273 ▼ 2.0%
Current assets
€267,126 ▼ 13.4%
Equity and liabilities €568,400
Equity
€560,872 ▼ 1.6%
Debt
€7,528 ▼ 83.6%
Debt's share of the balance-sheet total falls from 7.4% to 1.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7,261▼
2024 · €20,558
Cash flow
€10,346▼
2024 · €21,995
Current ratio
35.48▲
2024 · 6.99
Debt to equity
0.01▼
2024 · 0.08
ROE
-1.7%▼
2024 · 0.3%
ROA
-1.6%▼
2024 · 0.3%
Interest coverage
76.43▲
2024 · 9.66
Debt ≤ 1 year
€7,528▼
2024 · €44,145
Income taxes
€0▼
2024 · €767
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,612 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.1%
stopped otherwise
94%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 8,612 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €30,957 | €0 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,944 | €25,573 | €25,904 | €20,341 | €19,657 | ▼ 3.4% |
| Other operating charges640/8 | €10,113 | €10,154 | €9,925 | €6,692 | €6,583 | ▼ 1.6% |
| Gross operating margin9900 | €63,961 | €30,661 | €34,516 | €27,250 | €13,844 | ▼ 49.2% |
| Operating profit (loss)9901 | €30,904 | -€5,066 | -€1,313 | €218 | -€12,396 | ▼ 5,795% |
| Financial income75/76B | €5,825 | €3,750 | €4,470 | €4,331 | €3,180 | ▼ 26.6% |
| Recurring financial income75 | €5,825 | €3,750 | €4,470 | €4,331 | €3,180 | ▼ 26.6% |
| Financial charges65/66B | €21,025 | €66 | €77 | €2,127 | €95 | ▼ 95.5% |
| Recurring financial charges65 | €21,025 | €66 | €77 | €2,127 | €95 | ▼ 95.5% |
| Profit (loss) for the period before taxes9903 | €15,704 | -€1,382 | €3,081 | €2,421 | -€9,311 | ▼ 485% |
| Income taxes67/77 | €18,068 | €0 | €1,550 | €767 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€2,364 | -€1,382 | €1,531 | €1,655 | -€9,311 | ▼ 663% |
| Profit (loss) for the period to be appropriated9905 | -€2,364 | -€1,382 | €1,531 | €1,655 | -€9,311 | ▼ 663% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €793,137 | €674,356 | €675,979 | €616,077 | €568,400 | ▼ 7.7% |
| Fixed assets21/28 | €433,281 | €412,713 | €394,667 | €307,553 | €301,273 | ▼ 2.0% |
| Tangible fixed assets22/27 | €433,281 | €412,713 | €394,667 | €307,553 | €301,273 | ▼ 2.0% |
| Land and buildings22 | €433,281 | €412,713 | €394,667 | €307,553 | €298,836 | ▼ 2.8% |
| Furniture and vehicles24 | - | - | - | - | €2,437 | - |
| Current assets29/58 | €359,856 | €261,644 | €281,313 | €308,524 | €267,126 | ▼ 13.4% |
| Amounts receivable within one year40/41 | €3,784 | €3,814 | €2,381 | €916 | €1,047 | ▲ 14.2% |
| Trade receivables40 | - | €183 | €340 | €0 | - | - |
| Other amounts receivable41 | €3,784 | €3,632 | €2,041 | €916 | €1,047 | ▲ 14.2% |
| Current investments50/53 | €287,661 | €251,661 | €273,165 | €306,253 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €68,411 | €6,168 | €5,766 | €1,046 | €266,080 | ▲ 25,327% |
| Deferred charges and accrued income490/1 | - | - | - | €309 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €793,137 | €674,356 | €675,979 | €616,077 | €568,400 | ▼ 7.7% |
| Equity10/15 | €685,970 | €670,988 | €672,519 | €570,182 | €560,872 | ▼ 1.6% |
| Contributions10/11 | €413,982 | €413,982 | €413,982 | €350,188 | €350,188 | = |
| Capital10 | €413,982 | €413,982 | €413,982 | €350,188 | €350,188 | = |
| Issued capital100 | €413,982 | €413,982 | €413,982 | €350,188 | €350,188 | = |
| Reserves13 | €30,400 | €16,800 | €16,880 | €15,900 | €15,900 | = |
| Non-distributable reserves130/1 | €16,800 | €16,800 | €16,880 | €14,450 | €14,450 | = |
| Legal reserve130 | €16,800 | €16,800 | €16,880 | €14,450 | €14,450 | = |
| Distributable reserves133 | €13,600 | €0 | - | €1,450 | €1,450 | = |
| Profit (loss) carried forward14 | €241,588 | €240,206 | €241,657 | €204,094 | €194,783 | ▼ 4.6% |
| Amounts payable17/49 | €107,167 | €3,368 | €3,460 | €45,895 | €7,528 | ▼ 83.6% |
| Amounts payable within one year42/48 | €105,417 | €1,450 | €3,400 | €44,145 | €7,528 | ▼ 82.9% |
| Trade debts44 | - | - | - | €1,500 | €1,500 | = |
| Suppliers440/4 | - | - | - | €1,500 | €1,500 | = |
| Taxes, remuneration and social security45 | €88,567 | €0 | - | €343 | €0 | ▼ 100% |
| Taxes450/3 | €88,567 | €0 | - | €343 | €0 | ▼ 100% |
| Other amounts payable47/48 | €16,850 | €1,450 | €3,400 | €42,302 | €6,028 | ▼ 85.7% |
| Accrued charges and deferred income492/3 | €1,750 | €1,918 | €60 | €1,750 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,364 | -€1,382 | €1,531 | €1,655 | -€9,311 | ▼ 663% |
| + Depreciation and write-downs630 | €22,944 | €25,573 | €25,904 | €20,341 | €19,657 | ▼ 3.4% |
| Operating cash flow (approximation) | €20,580 | €24,191 | €27,435 | €21,995 | €10,346 | ▼ 53.0% |
| Investment in fixed assets (approximation) | - | -€5,005 | -€7,858 | €66,773 | -€13,377 | ▼ 120% |
| Change in cash | - | -€62,243 | -€402 | -€4,720 | €265,033 | ▲ 5,715% |
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 5current ratio 35.48
Current ratio from 6.99 to 35.48; short-term debt falls from €44,145 to €7,528.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €1,655 ▲8.1%
Net result €1,655, the highest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1,531
Net result €1,531 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity times 53current ratio 180.44
Current ratio from 3.41 to 180.44; short-term debt falls from €105,417 to €1,450.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Back to profitnet €474
Net result €474 after 2 loss-making years.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 8 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 1988
Ground area
196 m²
Building footprint
196 m²
Volume, LiDAR
2,405 m³
Parcel 34354C0013/00Z000, Flanders · tallest building 17.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Doorniksewijk(Kor) 25, 8500 Kortrijk
since 19882.039.241.391
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0013/00Z000 | Flanders | 196 m² | 1 · 196 m² | 17.4 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
8755004GWVOXCILHAI94
Company details
Identification
Legal formPublic limited company
Founded16-06-1986
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID
0208:0429206885
Also
9925:BE0429206885
Registered
26-05-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
General meetings
1 convocationGeneral meeting
Jaarverslag. Goedkeuring jaarrekening. Bestemming resultaat. Kwijting bestuurders. Divers. (AOPC-1-9-00516/14.05)
Scores and ratios are computed by Checked and are not a credit decision.