IMMO POZZOLO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €421k and a net result of €-15k. Equity is shrinking by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 8006 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 17-11-2025, 75 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
75 d early
2024
1 d early
2023
on the day
2022
71 d late
2021
28 d late
2020
26 d late
2019
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€421k▼ 9.9%
2024 · €468k
2020: €722k
2021: €720k
2022: €751k
2023: €726k
2024: €468k
2020 → 2025
Net result
€-15k
2024 · €2k
2020: €17k
2021: €-2k
2022: €32k
2023: €2k
2024: €2k
2020 → 2025
Total assets
€492k▼ 20.7%
2024 · €620k
2020: €809k
2021: €809k
2022: €975k
2023: €949k
2024: €620k
2020 → 2025
Solvency
85.6%▲ 10.2pp
2024 · 75.4%
2020: 89.3%
2021: 89.0%
2022: 77.1%
2023: 76.5%
2024: 75.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€720k-€751k▲ 4.4%€726k▼ 3.4%€468k▼ 35.6%€421k▼ 9.9%
Operating result€-5k-€47k€2k▼ 95.9%€6k▲ 232%€-739
Net result€-2k-€32k€2k▼ 94.0%€2k▲ 8.9%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €739 after €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€360k▼ 8.2%
Current assets
€132k▼ 42.2%
Equity and liabilities €492k
Equity
€421k▼ 9.9%
Debt
€71k▼ 53.6%
The debt ratio falls from 24.6% to 14.4%. Equity and debt are lower.
Key figures and ratios
Solvency
85.6%▲
2024 · 75.4%
ROE
-3.7%▼
2024 · 0.4%
ROA
-3.1%▼
2024 · 0.3%
Debt
€71k▼
2024 · €153k
Debt ≤ 1 year
€62k▼
2024 · €147k
Income taxes
€658▼
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€620k€492k▼
Fixed assets21/28€393k€360k▼
Tangible fixed assets22/27€393k€360k▼
Land and buildings22€390k€358k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€2k▼
Current assets29/58€228k€132k▼
Amounts receivable within one year40/41€26k€21k▼
Trade receivables40€22k€15k▼
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€190k€110k▼
Deferred charges and accrued income490/1€12k€526▼
Equity and liabilities
Total equity and liabilities10/49€620k€492k▼
Equity10/15€468k€421k▼
Contributions10/11€194k€194k=
Revaluation surpluses12€13k€13k=
Reserves13€260k€214k▼
Non-distributable reserves130/1€19k€19k=
Reserves not available under the articles1311€19k€19k=
Tax-exempt reserves132€19€19=
Distributable reserves133€241k€194k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€153k€71k▼
Amounts payable within one year42/48€147k€62k▼
Trade debts44€9k€17k▲
Suppliers440/4€9k€17k▲
Taxes, remuneration and social security45€20k€14k▼
Taxes450/3€10k€11k▲
Remuneration and social security454/9€11k€4k▼
Other amounts payable47/48€118k€31k▼
Accrued charges and deferred income492/3€6k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€34k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€50k€40k▼
Operating profit (loss)9901€6k€-739▼
Financial income75/76B€301€797▲
Recurring financial income75€301€797▲
Financial charges65/66B€3k€15k▲
Recurring financial charges65€3k€15k▲
Profit (loss) for the period before taxes9903€4k€-15k▼
Income taxes67/77€2k€658▼
Profit (loss) for the period9904€2k€-15k▼
Profit (loss) for the period to be appropriated9905€2k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-15k▼
Transfer from equity791/2€261k€46k▼
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Profit to be distributed694/7€261k€31k▼
Return on contributions (dividend)694€261k€31k▼
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
2025
17-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €-15k ▼853%
Net result drops to €-15k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 71 days late
2022
30-06
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
25-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Koekelare · 1 establishment unit since 2019
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.
Oostmeetstraat 2058680 KoekelareGround area
1,280 m²
Building footprint
198 m²
Volume, LiDAR
479 m³
Parcel 32010A1665/00A000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
IMMO POZZOLO
since 20192.291.545.024
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32010A1665/00A000 | Flanders | 1,280 m² | 1 · 197 m² | 8.7 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,759. 13,719 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.