IMMO - MIMAD
ActiveIMMO - MIMAD has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €9k. Equity remains stable across the filed fiscal years (±1.6% per year). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+10
Solvency90▼-6
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.84 in 2024; short-term debt: 34.4% and cash: 52.1% of total assets), and 34.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
65.1%
Return on assets
5.6%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
20 d late
2023
on the day
2022
on the day
2021
30 d late
2020
26 d late
2019
3 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€103k▼ 7.8%
2024 · €112k
2018: €103k
2019: €106k
2020: €109k
2021: €112k
2022: €116k
2023: €116k
2024: €112k
2018 → 2025
Total assets
€158k▲ 1.1%
2024 · €157k
2018: €163k
2019: €140k
2020: €147k
2021: €152k
2022: €154k
2023: €157k
2024: €157k
2018 → 2025
Net result
€9k▲ 477%
2024 · €2k
2018: €6k
2019: €5k
2020: €6k
2021: €5k
2022: €7k
2023: €2k
2024: €2k
2018 → 2025
Working capital
€32k▼ 6.2%
2024 · €34k
2018: €-24k
2019: €-17k
2020: €-4k
2021: €6k
2022: €19k
2023: €28k
2024: €34k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€116k▲ 4.2%€116k▼ 0.1%€112k▼ 3.7%€103k▼ 7.8%
Operating result€10k-€13k▲ 31.3%€7k▼ 48.5%€7k▲ 0.6%€14k▲ 107%
Net result€5k-€7k▲ 41.0%€2k▼ 67.1%€2k▼ 33.3%€9k▲ 477%
Turnover and EBIT margin not published: the abbreviated or 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 107% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€72k▼ 11.7%
Current assets
€87k▲ 14.8%
Equity and liabilities €158k
Equity
€103k▼ 7.8%
Debt
€55k▲ 23.3%
The debt ratio rises from 28.6% to 34.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24k▲
2024 · €18k
Cash flow
€18k▲
2024 · €13k
Solvency
65.1%▼
2024 · 71.4%
Current ratio
1.59▼
2024 · 1.84
Quick ratio
1.59▼
2024 · 1.84
Debt / equity
0.54▲
2024 · 0.40
ROE
8.7%▲
2024 · 1.4%
ROA
5.6%▲
2024 · 1.0%
Interest coverage
158.08▲
2024 · 5.48
Debt
€55k▲
2024 · €45k
Debt ≤ 1 year
€54k▲
2024 · €41k
Income taxes
€6k▲
2024 · €2k
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€157k€158k▲
Fixed assets21/28€81k€72k▼
Tangible fixed assets22/27€81k€72k▼
Land and buildings22€79k€71k▼
Furniture and vehicles24€2k€411▼
Current assets29/58€75k€87k▲
Amounts receivable within one year40/41€4k€4k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€71k€83k▲
Equity and liabilities
Total equity and liabilities10/49€157k€158k▲
Equity10/15€112k€103k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€15k€12k▼
Reserves13€34k€28k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€28k€22k▼
Profit (loss) carried forward14€164€164▲
Amounts payable17/49€45k€55k▲
Amounts payable within one year42/48€41k€54k▲
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€41k€52k▲
Accrued charges and deferred income492/3€4k€900▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€9k▼
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€23k€29k▲
Operating profit (loss)9901€7k€14k▲
Financial income75/76B€35€289▲
Recurring financial income75€35€289▲
Financial charges65/66B€3k€150▼
Recurring financial charges65€3k€150▼
Profit (loss) for the period before taxes9903€4k€14k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€2k€9k▲
Profit (loss) for the period to be appropriated9905€2k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€9k▲
Profit (loss) brought forward from the previous period14P€163€164▲
Transfer from equity791/2€6k€18k▲
Transfer to equity691/2€2k€9k▲
To other reserves6921€2k€9k▲
Profit to be distributed694/7€6k€18k▲
Return on contributions (dividend)694€6k€18k▲
The notes to these accounts (14 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
14-08
State Gazette act
Registered office · Resignations & appointmentsGeneral meeting · Director resignation · Director discharge12 facts ▸
State Gazette act
Registered office · Resignations & appointments
General meeting · Director resignation · Director discharge12 facts ▸
- General meeting, 29/06/2026
- Director resignation, Pol-Emile JACQUES (administrateur et administrateur délégué)
- Director resignation, Pierre-Emmanuel JACQUES (administrateur et administrateur délégué)
- Director resignation, Jean-Christophe JACQUES (administrateur et administrateur délégué)
- Director resignation, Marie Madeleine CAMBIER (administrateur)
- Director discharge, Pol-Emile JACQUES
- Director discharge, Pierre-Emmanuel JACQUES
- Director discharge, Jean-Christophe JACQUES
- Director discharge, Marie Madeleine CAMBIER
- Director appointment, LABO CONTACT SRL (administrateur unique)
- Permanent representative, DE BOSCH KEMPER Julien
- Registered-office move, 5000 Namur, rue Godefroid, 1B
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €9k ▲477%
Operating result €14k, net result €9k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼33.3%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 directors, no change since 2026
Labo Contact
CurrentAdministrateur unique · since 14-08-2026 · Private limited company · perm. rep.: DE BOSCH KEMPER Julien
14-08-2026
Labo Contact: Appointed as Administrateur unique
14-08-2026
Jean-Christophe JACQUES: Resigned as Administrateur et administrateur délégué
14-08-2026
Marie Madeleine CAMBIER: Resigned as Director
14-08-2026
Pierre-Emmanuel JACQUES: Resigned as Administrateur et administrateur délégué
14-08-2026
Pol-Emile JACQUES: Resigned as Administrateur et administrateur délégué
Location & real-estate footprint
Registered office, Namur · 1 establishment unit since 1990
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.
Rue Godefroid 15000 NamurGround area
3,502 m²
Building footprint
1,175 m²
Volume, LiDAR
36,318 m³
2 parcels, Wallonia · tallest building 40.6 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
Rue Mazy(JB) 125, 5100 Namur
since 19902.047.895.474
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92067B0505/00_000 | Wallonia | 2,656 m² | 1 · 826 m² | 40.6 m · 12 fl. |
| 92094C1282/00X000 | Wallonia | 846 m² | 1 · 350 m² | 19.3 m · 6 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.
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-03-1990
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.