IMMO MZ

Active

Private limited companyfounded 20242 yrs activeAvenue Marie-Louise 5, 1410 Waterloo, BelgiumKBO/BCE: BE 1007.692.616

Summary

The computed 12-month bankruptcy probability of IMMO MZ is 6.7% (elevated). The 2025 annual accounts show negative equity (-€116,466) and a net result of €27,536. The company has been active since 2024 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 2 administrative register entries (see administrative flags).

Risk analysisWatch Report Compare

IMMO MZActiveChecked score 35/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€1.1mtotal assets 2025

Equity: -€116,466
Profit: €27,536

Turnover not published (abridged schema)

Financial health

35 Weak Checked score 2025

Bankruptcy chance 12 m: 6.7%

Structure

Accounts filed 61 d late0 of 2 deeds read

Why 35- Liquidity: current ratio 1.02, cash €615- 1 change of registered office in 24 months+ Size: total assets €1.1m+ No main activity registeredShow the evidence

Checked score

Score 2025

35 / 100

Weak

Probability in this band: 4.2% to 15.0%

Better than 40% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Weak

Solvency 14+2

equity -10.6% of total assets

Liquidity 50=

short-term debt 4.5% · cash 0.1%

Profitability 45+25

return on assets 2.5%

Bankruptcy probability, 12 months

6.7% Elevated

0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 14 months 09-2025: 3.3%lowest value 10-2025: 6.2%▲ +84.0% vs 09-2025 11-2025: 8.7%▲ +41.4% vs 10-2025 12-2025: 8.7%● 0.0% vs 11-2025 01-2026: 8.7%● 0.0% vs 12-2025 02-2026: 8.8%▲ +1.1% vs 01-2026 03-2026: 8.7%▼ -1.1% vs 02-2026 04-2026: 9.6%▲ +10.1% vs 03-2026 05-2026: 9.9%▲ +3.4% vs 04-2026 06-2026: 10.9%▲ +10.3% vs 05-2026 07-2026: 10.8%▼ -1.7% vs 06-2026 08-2026: 11.4%▲ +5.8% vs 07-2026 09-2026: 11.6%▲ +1.5% vs 08-2026highest value 10-2026: 6.7%▼ -41.8% vs 09-2026

Size: total assets €1.1m lowers the probability for this profile
Liquidity: current ratio 1.02, cash €615 raises the probability
1 change of registered office in 24 months raises the probability
No main activity registered lowers the probability

No credit on open account

Liquidity tight (current ratio 1.02 against 0.47 in 2024; short-term debt: 4.5% and cash: 0.1% of total assets), and equity is negative.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 12%, liquidity 39%, profitability 34%, growth against the median 76%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

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Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €1.1m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Liquidity: current ratio 1.02, cash €615

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

1 change of registered office in 24 months

In the bankruptcy model this factor raises the probability.

Belgian State Gazette

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

Young company

Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 2 filings

Deviation from the deadline

2025

61 d late

2024

84 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 2 accounts on average 73 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Administrative warnings in the KBO publications

2 publications by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or their withdrawal.

KBO publications

Publications

Address struckAddress strikeout annulled

Checked, nothing found (1)

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 months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline