IMMO NDJ
ActiveIMMO NDJ has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €9k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 58% of 4469 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
61
/ 100
Healthy▼ -30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-97
Solvency93▲+20
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 5.42 in 2024), but 51.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
48.2%
Return on assets
0.3%
Age of the figures
8 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
14 d early
2023
7 d early
2022
35 d early
2021
30 d early
2020
30 d early
2019
37 d early
← 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 99.3%
2024 · €1.15M
2018: €-144k
2019: €598k
2020: €891k
2021: €-284k
2022: €-237k
2023: €-225k
2024: €1.15M
2018 → 2025
Working capital
€1.68M▼ 40.6%
2024 · €2.82M
2018: €-21k
2019: €750k
2020: €1.82M
2021: €1.53M
2022: €1.35M
2023: €1.24M
2024: €2.82M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.67M-€1.43M▼ 14.2%€1.21M▼ 15.7%€1.22M▲ 1.3%€1.23M▲ 0.7%
Operating result€-258k-€-229k▲ 11.1%€-169k▲ 26.2%€1.42M€-171k
Net result€-284k-€-237k▲ 16.8%€-225k▲ 4.8%€1.15M€9k▼ 99.3%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €171k after €1.42M in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.55M
Fixed assets
€280k▼ 16.8%
Current assets
€2.27M▼ 34.3%
Equity and liabilities €2.55M
Equity
€1.23M▲ 0.7%
Debt
€1.32M▼ 48.6%
The debt ratio falls from 67.8% to 51.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€-114k▼
2024 · €1.50M
Cash flow
€65k▼
2024 · €1.23M
Solvency
48.2%▲
2024 · 32.2%
Current ratio
3.81▼
2024 · 5.42
Quick ratio
3.81▼
2024 · 5.42
Debt / equity
1.07▼
2024 · 2.10
ROE
0.7%▼
2024 · 94.2%
ROA
0.3%▼
2024 · 30.3%
Interest coverage
-150.06▼
2024 · 398.92
Debt
€1.32M▼
2024 · €2.57M
Debt ≤ 1 year
€597k▼
2024 · €638k
Debt > 1 year
€725k▼
2024 · €1.93M
Income taxes
€123▼
2024 · €308k
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€3.79M€2.55M▼
Fixed assets21/28€337k€280k▼
Tangible fixed assets22/27€337k€280k▼
Land and buildings22€262k€229k▼
Plant, machinery and equipment23€34k€26k▼
Furniture and vehicles24€41k€25k▼
Current assets29/58€3.46M€2.27M▼
Amounts receivable after more than one year29€519k€1.38M▲
Other amounts receivable291€519k€1.38M▲
Amounts receivable within one year40/41€4k€8k▲
Other amounts receivable41€4k€8k▲
Current investments50/53€2.84M€522k▼
Cash at bank and in hand54/58€84k€346k▲
Deferred charges and accrued income490/1€12k€18k▲
Equity and liabilities
Total equity and liabilities10/49€3.79M€2.55M▼
Equity10/15€1.22M€1.23M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.16M€1.17M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€1.15M€1.16M▲
Amounts payable17/49€2.57M€1.32M▼
Amounts payable after more than one year17€1.93M€725k▼
Financial debts170/4€1.93M€725k▼
Amounts payable within one year42/48€638k€597k▼
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€353k€314k▼
Taxes450/3€353k€309k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€273k€273k=
Income statement
Code20242025
Non-recurring operating income76A€1.65M-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€57k▼
Other operating charges640/8€33k€15k▼
Gross operating margin9900€1.53M€-99k▼
Operating profit (loss)9901€1.42M€-171k▼
Financial income75/76B€41k€180k▲
Recurring financial income75€14k€56k▲
Non-recurring financial income76B€27k€125k▲
Financial charges65/66B€4k€760▼
Recurring financial charges65€4k€760▼
Profit (loss) for the period before taxes9903€1.46M€9k▼
Income taxes67/77€308k€123▼
Profit (loss) for the period9904€1.15M€9k▼
Profit (loss) for the period to be appropriated9905€1.15M€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.15M€9k▼
Transfer from equity791/2€147k-
Transfer to equity691/2€1.15M€9k▼
To other reserves6921€1.15M€9k▼
Profit to be distributed694/7€147k-
Return on contributions (dividend)694€147k-
The notes to these accounts (6 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €1.15M
Net result €1.15M after 3 loss-making years.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-284k ▼132%
Net result drops to €-284k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €598k
Net result €598k after one loss-making year.
31-12
Financial
Liquidity times 1505current ratio 81.36
Current ratio from 0.05 to 81.36; short-term debt falls from €23k to €9k.
31-12
Financial
Equity above €1MEq €1.06M ▲129%
Equity rises from €464k to €1.06M.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-12-2024
DE JAEGERE Frederik: Resigned as Director
30-12-2024
DE JAEGERE Kurt: Resigned as Director
30-12-2024
HERMAN Isabel: Resigned as Director
Location & real-estate footprint
Registered office, Ingelmunster · 1 establishment unit since 1996
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.
Bruggestraat 2158770 IngelmunsterGround area
4,906 m²
Building footprint
3,188 m²
Volume, LiDAR
11,788 m³
Parcel 36007A0810/00R000, Flanders · tallest building 5.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IMMO NDJ
since 19962.076.238.379
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007A0810/00R000 | Flanders | 4,906 m² | 1 · 3,188 m² | 5.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
INDALU
BE 0415.956.289
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I.V.G.E.
BE 0442.242.497
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P'TIT PRINT
BE 0480.195.431
Charleroi · Eq €1.23M
TERLINDEN
BE 0455.986.904
Asse · Eq €1.23M
KEYSER CENTER
BE 0479.031.134
Elsene · Eq €1.23M
Of 11,965 companies in sector 68203 we hold annual accounts for 5,943. 3,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-04-1996
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.