Summary
IMMO MOERMAN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €383,901 and a net result of -€2,750. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 66% of 8091 sector peers (fiscal year 2025). The company has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
8 d early
2022
31 d early
2021
30 d early
2020
33 d early
2019
14 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed 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 1 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€383,901▼ 0.7%
2024 · €386,650
Net result
-€2,750
2024 · €7,719
Total assets
€554,095▲ 22.3%
2024 · €452,941
Solvency
69.3%▼ 16.1pp
2024 · 85.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€7,719€18,160▲ 135%€22,068▲ 21.5%€13,747▼ 37.7%-€1,427
Net result€8,004within the sector's middle half▼ 68.5%€16,834within the sector's middle half▲ 110%€17,032within the sector's middle half▲ 1.2%€7,719within the sector's middle half▼ 54.7%-€2,750below the sector's middle half
Equity€345,065within the sector's middle half▲ 2.4%€361,899within the sector's middle half▲ 4.9%€378,931within the sector's middle half▲ 4.7%€386,650within the sector's middle half▲ 2.0%€383,901within the sector's middle half▼ 0.7%
Total assets€434,365within the sector's middle half▲ 1.3%€466,930within the sector's middle half▲ 7.5%€480,371within the sector's middle half▲ 2.9%€452,941within the sector's middle half▼ 5.7%€554,095within the sector's middle half▲ 22.3%
Debt€34,488▲ 1.1%€53,019▲ 53.7%€52,229▼ 1.5%€19,881▼ 61.9%€126,587▲ 537%
Working capital-€11,699within the sector's middle half€12,547within the sector's middle half€2,802within the sector's middle half▼ 77.7%€22,837within the sector's middle half▲ 715%€9,285within the sector's middle half▼ 59.3%
Solvency79.4%above the sector's middle half▲ 0.8pp77.5%above the sector's middle half▼ 1.9pp78.9%above the sector's middle half▲ 1.4pp85.4%above the sector's middle half▲ 6.5pp69.3%within the sector's middle half▼ 16.1pp
Current ratio0.65below the sector's middle half▼ 2.201.28within the sector's middle half▲ 0.641.06within the sector's middle half▼ 0.232.16within the sector's middle half▲ 1.101.27within the sector's middle half▼ 0.89
Return on assets (ROA)1.8%within the sector's middle half▼ 4.1pp3.6%within the sector's middle half▲ 1.8pp3.5%within the sector's middle half▼ 0.1pp1.7%within the sector's middle half▼ 1.8pp-0.5%below the sector's middle half▼ 2.2pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1,427 after €13,747 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €554,095
Fixed assets
€510,451 ▲ 24.4%
Current assets
€43,645 ▲ 2.4%
Equity and liabilities €554,095
Equity
€383,901 ▼ 0.7%
Provisions
€43,608 ▼ 6.0%
Debt
€126,587 ▲ 537%
Debt's share of the balance-sheet total rises from 4.4% to 22.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.7%▼
2024 · 2.0%
Debt ≤ 1 year
€34,360▲
2024 · €19,764
Debt > 1 year
€88,182
Income taxes
€3,945▼
2024 · €8,708
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,886 | €27,659 | €28,875 | €31,920 | €34,563 | ▲ 8.3% |
| Other operating charges640/8 | €5,630 | €8,674 | €10,806 | €11,290 | €11,556 | ▲ 2.4% |
| Gross operating margin9900 | €39,236 | €54,493 | €61,749 | €56,957 | €44,692 | ▼ 21.5% |
| Operating profit (loss)9901 | €7,719 | €18,160 | €22,068 | €13,747 | -€1,427 | ▼ 110% |
| Financial income75/76B | €11 | €2 | €6 | €9 | - | - |
| Recurring financial income75 | €11 | €2 | €6 | €9 | - | - |
| Financial charges65/66B | €570 | €1,325 | €1,781 | €130 | €178 | ▲ 37.0% |
| Recurring financial charges65 | €570 | €1,325 | €1,781 | €130 | €178 | ▲ 37.0% |
| Profit (loss) for the period before taxes9903 | €7,160 | €16,837 | €20,293 | €13,626 | -€1,606 | ▼ 112% |
| Transfer from deferred taxes780 | €2,739 | €2,801 | €2,801 | €2,801 | €2,801 | = |
| Income taxes67/77 | €1,896 | €2,804 | €6,062 | €8,708 | €3,945 | ▼ 54.7% |
| Profit (loss) for the period9904 | €8,004 | €16,834 | €17,032 | €7,719 | -€2,750 | ▼ 136% |
| Transfer from tax-exempt reserves789 | €10,957 | €11,206 | €11,206 | €11,206 | €11,206 | = |
| Profit (loss) for the period to be appropriated9905 | €18,961 | €28,040 | €28,238 | €18,925 | €8,456 | ▼ 55.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €434,365 | €466,930 | €480,371 | €452,941 | €554,095 | ▲ 22.3% |
| Fixed assets21/28 | €412,834 | €410,301 | €427,139 | €410,339 | €510,451 | ▲ 24.4% |
| Tangible fixed assets22/27 | €412,834 | €410,301 | €427,139 | €410,339 | €510,451 | ▲ 24.4% |
| Land and buildings22 | €412,834 | €389,132 | €411,175 | €399,580 | €504,732 | ▲ 26.3% |
| Furniture and vehicles24 | - | €21,169 | €15,964 | €10,759 | €5,718 | ▼ 46.9% |
| Current assets29/58 | €21,531 | €56,629 | €53,231 | €42,602 | €43,645 | ▲ 2.4% |
| Amounts receivable within one year40/41 | €522 | €3,354 | €6,590 | €2,388 | €6,270 | ▲ 163% |
| Trade receivables40 | - | €1,389 | €6,030 | €1,450 | €2,948 | ▲ 103% |
| Other amounts receivable41 | €522 | €1,964 | €560 | €938 | €3,321 | ▲ 254% |
| Cash at bank and in hand54/58 | €19,219 | €51,553 | €44,582 | €39,573 | €35,622 | ▼ 10.0% |
| Deferred charges and accrued income490/1 | €1,790 | €1,722 | €2,059 | €640 | €1,753 | ▲ 174% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €434,365 | €466,930 | €480,371 | €452,941 | €554,095 | ▲ 22.3% |
| Equity10/15 | €345,065 | €361,899 | €378,931 | €386,650 | €383,901 | ▼ 0.7% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €243,078 | €259,912 | €276,944 | €283,738 | €280,983 | ▼ 1.0% |
| Tax-exempt reserves132 | €219,253 | €208,047 | €196,841 | €185,636 | €174,430 | ▼ 6.0% |
| Distributable reserves133 | €23,825 | €51,865 | €80,103 | €98,103 | €106,553 | ▲ 8.6% |
| Profit (loss) carried forward14 | €1,987 | €1,987 | €1,987 | €2,912 | €2,918 | ▲ 0.2% |
| Provisions and deferred taxes16 | €54,813 | €52,012 | €49,210 | €46,409 | €43,608 | ▼ 6.0% |
| Deferred taxes168 | €54,813 | €52,012 | €49,210 | €46,409 | €43,608 | ▼ 6.0% |
| Amounts payable17/49 | €34,488 | €53,019 | €52,229 | €19,881 | €126,587 | ▲ 537% |
| Amounts payable after more than one year17 | - | €8,938 | €1,800 | - | €88,182 | - |
| Financial debts170/4 | - | €8,938 | €1,800 | - | €88,182 | - |
| Amounts payable within one year42/48 | €33,231 | €44,081 | €50,430 | €19,764 | €34,360 | ▲ 73.8% |
| Current portion of amounts payable after more than one year42 | - | €7,042 | €7,138 | €1,800 | €21,818 | ▲ 1,112% |
| Trade debts44 | €1,426 | €1,942 | €9,215 | €1,309 | €4,196 | ▲ 220% |
| Suppliers440/4 | €1,426 | €1,942 | €9,215 | €1,309 | €4,196 | ▲ 220% |
| Taxes, remuneration and social security45 | €3,070 | €5,581 | €2,961 | €1,770 | €3,033 | ▲ 71.3% |
| Taxes450/3 | €3,070 | €5,581 | €2,961 | €1,770 | €3,033 | ▲ 71.3% |
| Other amounts payable47/48 | €28,735 | €29,517 | €31,115 | €14,885 | €5,314 | ▼ 64.3% |
| Accrued charges and deferred income492/3 | €1,257 | €0 | - | €117 | €4,045 | ▲ 3,352% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,004 | €16,834 | €17,032 | €7,719 | -€2,750 | ▼ 136% |
| + Depreciation and write-downs630 | €25,886 | €27,659 | €28,875 | €31,920 | €34,563 | ▲ 8.3% |
| Operating cash flow (approximation) | €33,890 | €44,494 | €45,907 | €39,639 | €31,813 | ▼ 19.7% |
| Investment in fixed assets (approximation) | - | -€25,126 | -€45,713 | -€15,120 | -€134,674 | ▼ 791% |
| Change in cash | - | €32,334 | -€6,971 | -€5,009 | -€3,951 | ▲ 21.1% |
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.16
Current ratio from 1.06 to 2.16; short-term debt falls from €50,430 to €19,764.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €25,383
Net result €25,383 after 2 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1986
Ground area
630 m²
Building footprint
368 m²
Volume, LiDAR
1,398 m³
Parcel 44038A0006/00S000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IMMO MOERMAN
since 19862.036.910.324
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0006/00S000 | Flanders | 630 m² | 1 · 367 m² | 7.7 m · 1 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,777 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-05-1986
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
E-invoicing
Reachable via Peppol
Peppol ID
0208:0428945480
Also
9925:BE0428945480
Registered
07-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.