IMMO PIETTE
ActiveIMMO PIETTE has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €17k. Equity is shrinking by ~7.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
76
/ 100
Excellent▲ +20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+13
Solvency70▲+5
Growth58=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.38 in 2024), and 36.4% 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
63.6%
Return on assets
7.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €149k
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
6 d early
2023
9 d early
2022
24 d early
2021
31 d late
2020
23 d late
2019
49 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€149k▲ 13.0%
2024 · €132k
2018: €214k
2019: €223k
2020: €231k
2021: €96k
2022: €106k
2023: €120k
2024: €132k
2018 → 2025
Total assets
€235k▲ 5.2%
2024 · €223k
2018: €411k
2019: €402k
2020: €387k
2021: €229k
2022: €211k
2023: €206k
2024: €223k
2018 → 2025
Net result
€17k▲ 45.0%
2024 · €12k
2018: €2k
2019: €479
2020: €-37
2021: €1k
2022: €11k
2023: €14k
2024: €12k
2018 → 2025
Working capital
€-26k▲ 51.5%
2024 · €-54k
2018: €-39k
2019: €-37k
2020: €-34k
2021: €-35k
2022: €-18k
2023: €-64k
2024: €-54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€96k-€106k▲ 11.1%€120k▲ 13.1%€132k▲ 9.9%€149k▲ 13.0%
Operating result€5k-€19k▲ 265%€23k▲ 18.2%€16k▼ 28.5%€23k▲ 44.3%
Net result€1k-€11k▲ 695%€14k▲ 30.3%€12k▼ 14.4%€17k▲ 45.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€180k▼ 5.5%
Current assets
€55k▲ 66.5%
Equity and liabilities €235k
Equity
€149k▲ 13.0%
Debt
€86k▼ 6.0%
The debt ratio falls from 40.8% to 36.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€34k▲
2024 · €26k
Cash flow
€28k▲
2024 · €22k
Solvency
63.6%▲
2024 · 59.2%
Current ratio
0.68▲
2024 · 0.38
Quick ratio
0.68▲
2024 · 0.38
Debt / equity
0.57▼
2024 · 0.69
ROE
11.5%▲
2024 · 9.0%
ROA
7.3%▲
2024 · 5.3%
Interest coverage
750.44▲
2024 · 258.02
Debt
€86k▼
2024 · €91k
Debt ≤ 1 year
€81k▼
2024 · €87k
Income taxes
€6k▲
2024 · €4k
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€223k€235k▲
Fixed assets21/28€190k€180k▼
Tangible fixed assets22/27€190k€180k▼
Land and buildings22€182k€173k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€33k€55k▲
Amounts receivable within one year40/41€0€50k▲
Other amounts receivable41€0€50k▲
Cash at bank and in hand54/58€31k€4k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€223k€235k▲
Equity10/15€132k€149k▲
Contributions10/11€31k€31k=
Reserves13€77k€94k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€74k€91k▲
Profit (loss) carried forward14€25k€25k=
Amounts payable17/49€91k€86k▼
Amounts payable within one year42/48€87k€81k▼
Trade debts44€13k€10k▼
Suppliers440/4€13k€10k▼
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€68k€67k▼
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€30k€38k▲
Operating profit (loss)9901€16k€23k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€101€45▼
Recurring financial charges65€101€45▼
Profit (loss) for the period before taxes9903€16k€23k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€12k€17k▲
Profit (loss) for the period to be appropriated9905€12k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€42k▲
Profit (loss) brought forward from the previous period14P€25k€25k=
Transfer to equity691/2€12k€17k▲
To other reserves6921€12k€17k▲
The notes to these accounts (4 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €17k ▲45%
Operating result €23k, net result €17k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €106k ▲11.1%
2 profitable years in a row build equity to €106k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Weakest financial yearnet €-37 ▼108%
Net result drops to €-37, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Leuven
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.
Familie de Bayostraat 573000 LeuvenGround area
178 m²
Building footprint
65 m²
Volume, LiDAR
509 m³
Parcel 24502C0496/00D012, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24502C0496/00D012 | Flanders | 178 m² | 1 · 65 m² | 11.6 m · 3 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-1984
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.