Financials
- Fiscal year
- 2025
- Total assets
- €1.6m
- Loss
- -€2,082
- Solvency
- 19.8%
Total assets▼ 5.6%
Net result
20182025
IMMO SA
ActiveSummary
IMMO SA has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €326,683 and a net result of -€2,082. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 30% of 11293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Overview
What they do
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811Cutting, shaping and finishing of stone NACE 23700Manufacture of computer, electronic and optical products NACE 26700
#4 oldest company in Balen, Wholesale and retail trade sector1 site
How big
€1.6mtotal assets 2025
- Staff
- 0.5 FTE
- Equity
- €326,683
- Loss
- -€2,082
Turnover not published (abridged schema)
Who decides
- Parent
- SAWB · 80%
Accounts 42 d early0 of 3 deeds read
Why 85- Sector Retail trade (NACE 47)- Liquidity: current ratio 1.11, cash €49,678+ Size: total assets €1.6m+ Figures for FY 2025 (filed 19-06-2026)Show the evidence
Checked score
Score 2025
85
/ 100
Excellent
Probability in this band: under 0.55%
Better than 33% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency
45+1
equity 19.8% of total assets
Liquidity
16+3
short-term debt 71.2% · cash 3.0%
Profitability
63-6
return on assets -0.1%
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: 0.2%highest value
09-2026: 0.2%● 0.0% vs 08-2026highest value
10-2026: 0.2%● 0.0% vs 09-2026highest value
- Size: total assets €1.6m lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Liquidity: current ratio 1.11, cash €49,678 raises the probability
- Figures for FY 2025 (filed 19-06-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity tight (current ratio 1.11 against 1.13 in 2024; short-term debt: 71.2% and cash: 3% of total assets), and 80.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 35%, liquidity 15%, profitability 44%, growth against the median 36%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 19-06-2026, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
83 d early
2023
62 d early
2022
25 d late
2021
24 d late
2020
52 d early
2019
57 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 35 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 19 June (4 of the last 5 filed years within 66 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet -€2,082
- Annual accounts filedfiscal year 2024 · abbreviated…
Key points
By topic
Board & ownership
- Parent
- SAWB · 80%
Timeline
- Events
- 12
- Since
- 2017
- Next accounts
- by 31-07-2027
- 19-06-2026Annual accounts filed
- 31-12-2025Weakest financial year
- 09-05-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 17-12-1973
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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