Equity
€163,563 ▲ 28.6%
IMMO PHIELS has made a profit without a break since 2020.
IMMO PHIELS
Lifetime
7 annual accounts with figures on one time axispeak €90,459 (2025)
€90,459▲ 5.0%
lowest -€58,739 (2019)
€36,424▲ 9.7%
peak €163,563 (2025)
€163,563▲ 28.6%
€529,279▼ 7.8%
Board1 name since 2019
1 directorXira
Owners
100%Xira
Documentsfilings and deeds
12-12-202550 days before the deadline
2025abbreviated format
Equity from €127,139 to €163,563
Key points
from the 2025 annual accountsDebts
€529,279 76% of the balance sheet
Financial debts 89%Suppliers 2%Taxes and wages 0%Other 9%
€515,232 of the debts are secured on the company's own assets. In 2022 that was €662,284.
Filings
7 annual accounts since 2019
The last five annual accounts were filed 40 to 56 days before the end of the period.
Checked score
96
Excellent
Financially stronger than 67% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% 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).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%highest value
01-2025: 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026lowest value
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Equity €163,563 (23.6% of total assets)
lowers risk
Size: total assets €692,841
Sector: Real estate activities (NACE 68)
Figures for financial year 2025 (filed on 12-12-2025)
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 43% of them on solvency, 75% on liquidity, 70% on profitability and 80% on growth.
The bankruptcy probability was computed on 06-11-2026 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 30-06-2025.
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, 2,684 companies had the same profile as IMMO PHIELS has now. Each dot stands for 7 companies, two years later.
97.3%
were still trading
1.2%
stopped another way
1.3%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of IMMO PHIELS itself is lower: 0.1% within 12 months. It rests on far more data about IMMO PHIELS than the profile alone.
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 2,684 companies, not a prediction for IMMO PHIELS. 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 €15,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.32 (1.1 in 2024), below the usual 1.5. Short-term debt is 9.2% and cash 10.4% of total assets. 76.4% 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 riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 12-12-2025, 50 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
50 days early
2024
56 days early
2023
40 days early
2022
40 days early
2021
46 days early
2020
41 days early
2019
4 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 40 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 16 December (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0685904024
Incorporation
published on 15-12-2017 · Gazette deed
First establishment
Vliegveld 39, Wevelgem
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IMMO PHIELS Wevelgem | €692,841 | €90,459 | 23.6% | - |
| LETI Ostend | €675,441 | €86,806 | 24.6% | - |
| JEMA FINANCE Kortrijk | €677,621 | €75,525 | 48.1% | - |
| OMNI ESTATE Torhout | €683,580 | €74,768 | 21.8% | - |
| Huca Invest Hoogstraten | €749,285 | €86,664 | 10.5% | - |
| LICLAAN Woluwe-Saint-Pierre | €617,989 | €104,646 | 87.5% | - |
| FVDM Invest Charleroi | €772,128 | €78,793 | 59.3% | - |
These companies have the same main activity as IMMO PHIELS: renting and operating of own or leased non-residential real estate, excluding land (NACE 68203). They are comparable in size and age: total assets between €618,000 and €772,000, founded between 2017 and 2019.
Official details
Source: KBO- Status
- Active since 13-12-2017Normal situation
- Activity
- Renting and operating of own or leased non-residential real estate, excluding landNACE 68203and 1 other
- Establishment unit
- 2.272.453.6428560 Wevelgem, since 13-12-2017
- Financial year end
- 30 June
- Peppol
- Reachable since 21-10-2026
Annual accounts to 30-06-2025
- ≈ €120,000estimated
- €692,841▼ 1.2%
- Filing
- Filed on 12-12-2025, 50 days before the end of the filing period
Insights on IMMO PHIELS
IMMO PHIELS files the abbreviated format. That format states no turnover. The gross margin rose from €38,140 in 2019 to €90,459 in 2025.
Xira holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about IMMO PHIELS
- What is the company number of IMMO PHIELS?
- The company number of IMMO PHIELS is 0685.904.024. The VAT number is the same number with BE in front: BE 0685.904.024.
- Where is IMMO PHIELS based?
- The registered office is at Vliegveld 39, 8560 Wevelgem.Company details
- What does IMMO PHIELS do?
- According to the KBO register, the main activity is renting and operating of own or leased non-residential real estate, excluding land (NACE 68203).
- What is the legal form of IMMO PHIELS?
- IMMO PHIELS is a private limited company (BV).
- When was IMMO PHIELS founded?
- IMMO PHIELS was founded on 13-12-2017.
- Is IMMO PHIELS still active?
- Yes, IMMO PHIELS is an active enterprise in the KBO register.
- What is the turnover of IMMO PHIELS?
- The turnover in financial year 2025 is ≈ €120,000. This figure is estimated from the gross margin of €90,459 and 45 comparable companies (NACE 682). It probably lies between €100,000 and €150,000.Financials
- Is IMMO PHIELS profitable?
- In financial year 2025, IMMO PHIELS made a profit of €36,424.
- Where can I find the annual accounts of IMMO PHIELS?
- IMMO PHIELS filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of IMMO PHIELS due?
- IMMO PHIELS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.