IMMO-OH
ActiveIMMO-OH has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €181k and a net result of €7k. Equity is growing by ~15.1% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability20▼-55
Solvency12▼-10
Growth85=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity short (current ratio 0.26 against 0.41 in 2024), and 82.3% 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+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
17.7%
Return on assets
0.7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 · 10 filingsDeviation from the deadline
2025
20 d late
2024
58 d late
2023
30 d late
2022
28 d late
2021
22 d late
2020
30 d late
2019
105 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€59k▼ 1.7%
2021 · €60k
2018: €6k
2019: €53k
2020: €60k
2021: €60k
2018 → 2022
EBIT margin
53.5%▼ 7.9pp
2021 · 61.4%
2018: -1828.3%
2019: 57.9%
2020: 61.5%
2021: 61.4%
2018 → 2022
Net result
€7k▼ 72.3%
2024 · €26k
2018: €-114k
2019: €12k
2020: €19k
2021: €20k
2022: €6k
2023: €28k
2024: €26k
2018 → 2025
Working capital
€-163k▼ 15.2%
2024 · €-142k
2018: €10k
2019: €-910
2020: €-7k
2021: €-21k
2022: €-48k
2023: €-2k
2024: €-142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€60k-€59k▼ 1.7%
Equity€114k-€120k▲ 5.5%€148k▲ 23.2%€174k▲ 17.7%€181k▲ 4.2%
Operating result€37k-€32k▼ 14.3%€54k▲ 71.7%€46k▼ 14.7%€33k▼ 28.9%
Net result€20k-€6k▼ 68.2%€28k▲ 342%€26k▼ 6.1%€7k▼ 72.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€967k▲ 49.2%
Current assets
€58k▼ 41.3%
Equity and liabilities €1.03M
Equity
€181k▲ 4.2%
Debt
€844k▲ 47.1%
The debt ratio rises from 76.7% to 82.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€59k▼
2024 · €61k
Cash flow
€33k▼
2024 · €41k
Solvency
17.7%▼
2024 · 23.3%
Current ratio
0.26▼
2024 · 0.41
Quick ratio
0.26▼
2024 · 0.41
Debt / equity
4.66▲
2024 · 3.30
ROE
4.0%▼
2024 · 15.0%
ROA
0.7%▼
2024 · 3.5%
Interest coverage
2.66▼
2024 · 3.41
Debt
€844k▲
2024 · €574k
Debt ≤ 1 year
€222k▼
2024 · €241k
Debt > 1 year
€623k▲
2024 · €333k
Income taxes
€4k▲
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€748k€1.03M▲
Fixed assets21/28€648k€967k▲
Tangible fixed assets22/27€645k€964k▲
Land and buildings22€503k€488k▼
Other tangible fixed assets26€143k€476k▲
Financial fixed assets28€3k€3k▼
Current assets29/58€100k€58k▼
Amounts receivable after more than one year29€51k€51k=
Other amounts receivable291€51k€51k=
Amounts receivable within one year40/41€1k€3k▲
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€46k€3k▼
Deferred charges and accrued income490/1€923€1k▲
Equity and liabilities
Total equity and liabilities10/49€748k€1.03M▲
Equity10/15€174k€181k▲
Contributions10/11€150k€150k=
Reserves13€2k€9k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133-€7k
Profit (loss) carried forward14€22k€22k▲
Amounts payable17/49€574k€844k▲
Amounts payable after more than one year17€333k€623k▲
Financial debts170/4€333k€623k▲
Amounts payable within one year42/48€241k€222k▼
Current portion of amounts payable after more than one year42€40k€52k▲
Trade debts44€43k€9k▼
Suppliers440/4€43k€9k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€156k€158k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€26k▲
Other operating charges640/8€2k€548▼
Gross operating margin9900€63k€59k▼
Operating profit (loss)9901€46k€33k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€18k€22k▲
Recurring financial charges65€18k€22k▲
Profit (loss) for the period before taxes9903€28k€11k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€26k€7k▼
Profit (loss) for the period to be appropriated9905€26k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€29k▲
Profit (loss) brought forward from the previous period14P€-4k€22k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (11 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Equity above €150kEq €174k ▲17.7%
6 profitable years in a row build equity to €174k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €28k ▲342%
Operating result €54k, net result €28k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Equity above €100kEq €114k ▲21.1%
3 profitable years in a row build equity to €114k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
04-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 96 days late
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 143 days late
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Waterloo · 1 establishment unit since 2009
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.
Chaussée de Bruxelles 5061410 WaterlooGround area
1,455 m²
Building footprint
254 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Clos des Genêts 3, 1410 Waterloo
since 20092.183.163.558
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0134/00_000 | Wallonia | 749 m² | 1 · 179 m² | - |
| 25110A0566/00A000 | Wallonia | 706 m² | 1 · 76 m² | - |
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 formPrivate limited company
Founded20-11-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0471/734683