Turnover
≈ €180,000 estimated
The micro format states no turnover.
IMMO-ML
Overview
Lifetime
1 annual account with figurespeak €86,035 (2025)
€86,035
peak €78,812 (2025)
€78,812
peak €84,812 (2025)
€84,812
€136,868
Board1 name since 2025
1 directorMarie-Lynn VAN KERCKHOVEN
Documentsfilings and deeds
07-08-20267 days late
2025micro format
Incorporation 11-021 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsStarting capital
€6,000 60 shares
Position in the sector
€78,812
Higher net result than 88% of companies in real estate. Sector median €5,994 · 17,181 companies.
2025 accounts filed 7 days after the deadline
Checked score
88
Excellent
Financially stronger than 71% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 0.7%
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.8%▲ +0.1 percentage points vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 0.9%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.3%▼ -0.6 percentage points vs 08-2026lowest value
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.3%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Size: total assets €221,679
lowers risk
Sector: Real estate activities (NACE 68)
Liquidity: current ratio 0.84, cash €29,557
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 55% of them on solvency, 63% on liquidity and 95% on profitability.
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, 11,279 companies had the same profile as IMMO-ML has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of IMMO-ML itself: 0.3% 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 11,279 companies, not a prediction for IMMO-ML. 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 €7,000 on 30-day terms, only on tighter conditions: young company (under 3 years) without a track record
Liquidity is insufficient, with a current ratio of 0.84, below 1. Short-term debt is 30.4% and cash 13.3% of total assets. 61.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 7 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
7 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger 60 sharesdeed of 11-02-2025
Shares in 1 company, Decker & Deckers Immo
Board & ownershipRecent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019766146
Incorporation
Founding capital of €6,000, 60 shares · Founder: VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger · Appointment: Marie-Lynn VAN KERCKHOVEN (director) · published on 11-02-2025 · Gazette deed
First establishment
Wolfgang d'Urselstraat 40, Bornem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IMMO-ML Bornem | €221,679 | €86,035 | 38.3% | - |
| LLB CONSULT Watermael-Boitsfort | €227,372 | €83,730 | 5.7% | - |
| KUPA IMMO Lievegem | €239,759 | €81,929 | 74.8% | - |
| Habitat Haute Senne La Louvière | €216,455 | €77,986 | 28.0% | - |
| Locus Invest Antwerp | €273,419 | €74,912 | 27.4% | - |
| YMI Puurs-Sint-Amands | €156,558 | €118,769 | 56.8% | - |
| Reyniers vastgoed BV Londerzeel | €175,579 | €101,910 | 46.4% | - |
These companies have the same main activity as IMMO-ML: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €157,000 and €273,000, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 07-02-2025Normal situation
- Activity
- Real estate agency activitiesNACE 68310
- Establishment unit
- 2.374.693.1272880 Bornem, since 07-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 28-03-2025
Insights on IMMO-ML
IMMO-ML has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,812 and a net result of €78,812.
Its solvency ranks better than 57% of 17,190 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 07-08-2026, 7 days late€86,035
€80,794
€78,812
-€11,100
38.3%
0.84
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €120,000 and €250,000.
Balance sheet
balance sheet total €221,679 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
38.3%
Higher than 57% of 17,190 companies in 2025.
0.84
Higher than 39% of 16,487 companies in 2025.
35.6%
Higher than 92% of 16,866 companies in 2025.
IMMO-ML
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
221,679 | |
21/28 |
165,280 | |
21 |
22,845 | |
22/27 |
142,435 | |
22 |
140,494 | |
23 |
397 | |
24 |
1,544 | |
29/58 |
56,399 | |
40/41 |
21,364 | |
40 |
6,365 | |
41 |
15,000 | |
54/58 |
29,557 | |
490/1 |
5,478 | |
| Balance sheet: equity and liabilities | ||
10/49 |
221,679 | |
10/15 |
84,812 | |
10/11 |
6,000 | |
13 |
78,812 | |
133 |
78,812 | |
17/49 |
136,868 | |
17 |
68,228 | |
170/4 |
68,228 | |
42/48 |
67,499 | |
42 |
6,772 | |
44 |
12 | |
440/4 |
12 | |
47/48 |
60,716 | |
492/3 |
1,140 | |
| Income statement | ||
9900 |
86,035 | |
630 |
4,840 | |
640/8 |
401 | |
9901 |
80,794 | |
65/66B |
1,982 | |
65 |
1,982 | |
9903 |
78,812 | |
9904 |
78,812 | |
9905 |
78,812 | |
| Appropriation of the result | ||
9906 |
78,812 | |
691/2 |
78,812 | |
6921 |
78,812 | |
| Document | ||
The notes to these accounts have 10 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 2025 at the NBB, filed on 07-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 7 days after the deadline. Filed on 7 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00395491.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 07-08-2026 | 2026-00395491 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 85,634 | ||
| 83,652 | ||
| 170,120 | ||
| -11,100 | ||
| 38.3% | ||
| 0.84 | ||
| 1.61 | ||
| 92.9% | ||
| 35.6% | ||
| 43.20 |
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.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €145,120 |
| Intangible fixed assets | €25,000 |
| €4,840 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on IMMO-ML
Debt's share of the balance-sheet total is 61.7%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 07-02-2025
term without a fixed end
listed in the 2025 annual accounts, filed on 07-08-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 11-02-2025
Mandates through the years
1 name, the dashed line is todayMarie-Lynn VAN KERCKHOVEN
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Marie-Lynn VAN KERCKHOVEN
- Director (not named in the articles), from 07-02-2025 to date
Control
Founder
VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger
This company
IMMO-ML
Equity €84,812
Profit €78,812 in 2025
Capital
- Contribution
- €6,000
- Shares
- 60
- Contribution per share
- €100
- Equity per share
- €1,414 in 2025
- Source
- deed of 11-02-2025
Articles of association
deed of 11-02-2025 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering die bestuurder(s)benoemt, onbepaalde duur bij gebrek aan bepaling van duurtijd”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00
Shareholders
At incorporation
deed of 11-02-2025 ↗
- VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger 60 shares (100%) · €6,000 in cash
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- Equity €54,165 Profit of €94,165 in 2025 Checked score 9650%
Connections & network
1 current directorThe network starts from the directors of IMMO-ML. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Timeline
4 events since 2025Filings
Establishments
20252026
2026
Annual accounts 2025 filed NBBmicro format · 7 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1019766146
IncorporationFounding capital of €6,000, 60 shares · Founder: VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger · Appointment: Marie-Lynn VAN KERCKHOVEN (director) · published on 11-02-20255 points ▸
- Founder, VAN KERCKHOVEN Marie-Lynn Francine Dirk Antoinette Roger
- Founding capital, €6,000, 60 shares
- Registered office clause, Wolfgang d’Urselstraat 40 B002, 2880 Bornem
- Board rule, 1
- Director appointment, Marie-Lynn VAN KERCKHOVEN (director (not named in the articles))
- The deed holds 1 more point.
First establishment Wolfgang d'Urselstraat 40, Bornem
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1019.766.146
- VAT number
- BE 1019.766.146
- Peppol ID
- 0208:1019766146
- Other Peppol ID
- 9925:BE1019766146
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 07-02-2025
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Last Friday of June at 20:00deed of 11-02-2025 (in Dutch)
- Peppol
- Reachable since 28-03-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- IMMO-ML in Dutch
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 11-02-2025 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 11-02-2025 (in Dutch)
Activities
NACEBEL 202568310
Real estate agency activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Het verlenen van bijstand,advies en leiding aan bedrijven,privé-personen en instellingen,voornamelijk doch niet uitsluitend op het vlak van…”deed of 11-02-2025 (in Dutch)
2 activities
- Het verlenen van bijstand,advies en leiding aan bedrijven,privé-personen en instellingen,voornamelijk doch niet uitsluitend op het vlak van vastgoedtransacties,management,marketing,productie en ontwikkeling,processing en het besturen van vennootschappen,dit alles in de meest ruime betekenis.De vennootschap kan zelf of als tussenpersoon alle hulpmiddelen verschaffen,bestuurdersfuncties waarnemen of laten waarnemen en diensten verlenen die direct of indirect verband houden met de voorgaande.Deze diensten kunnen worden geleverd krachtens een contractuele of statutaire benoeming en in de hoedanigheid van externe raadgever of orgaan van de cliënt.
- Het optreden als vastgoedmakelaar;
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Wolfgang d'Urselstraat 40 registered office 2880 Bornem | 07-02-2025 | 2.374.693.127 |
Buildings and parcels at the address
- Ground area
- 2,440 m²
- Buildings
- 153 m²
- Volume, LiDAR
- 1,281 m³
- Tallest building
- 10.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 12015A0575/00R000 | 2,440 m² | 1 · 153 m² | 10.6 m · 3 |