IMMO SAINT JOSSE
ActiveIMMO SAINT JOSSE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €511k and a net result of €51k. Equity remains stable across the filed fiscal years (±2.3% per year). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
79
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability50▲+45
Solvency81▲+8
Growth58=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 0.9 in 2023), and 31.6% 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 2024Solvency, return and age of the figures
Solvency
68.4%
Return on assets
6.8%
Age of the figures
20 mo
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €511k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-06-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d early
2023
35 d late
2022
17 d late
2021
1 d late
2020
57 d early
2019
67 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€511k▲ 11.0%
2023 · €461k
2018: €524k
2019: €515k
2020: €504k
2021: €475k
2022: €456k
2023: €461k
2018 → 2024
Total assets
€748k▼ 9.3%
2023 · €824k
2018: €907k
2019: €936k
2020: €920k
2021: €954k
2022: €1.11M
2023: €824k
2018 → 2024
Net result
€51k▲ 1,093%
2023 · €4k
2018: €-10k
2019: €-9k
2020: €-12k
2021: €-28k
2022: €-19k
2023: €4k
2018 → 2024
Working capital
€26k
2023 · €-29k
2018: €35k
2019: €11k
2020: €3k
2021: €61k
2022: €234k
2023: €-29k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€504k-€475k▼ 5.6%€456k▼ 4.0%€461k▲ 0.9%€511k▲ 11.0%
Operating result€-8k-€-26k▼ 208%€-12k▲ 52.1%€18k€56k▲ 219%
Net result€-12k-€-28k▼ 143%€-19k▲ 32.7%€4k€51k▲ 1,093%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 219% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €748k
Fixed assets
€563k▼ 1.9%
Current assets
€185k▼ 26.1%
Equity and liabilities €748k
Equity
€511k▲ 11.0%
Debt
€237k▼ 34.9%
The debt ratio falls from 44.1% to 31.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€76k▲
2023 · €36k
Cash flow
€70k▲
2023 · €23k
Solvency
68.4%▲
2023 · 55.9%
Current ratio
1.16▲
2023 · 0.90
Quick ratio
0.53▲
2023 · 0.35
Debt / equity
0.46▼
2023 · 0.79
ROE
9.9%▲
2023 · 0.9%
ROA
6.8%▲
2023 · 0.5%
Interest coverage
13.46▲
2023 · 2.69
Debt
€237k▼
2023 · €364k
Debt ≤ 1 year
€159k▼
2023 · €279k
Debt > 1 year
€76k▼
2023 · €85k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€824k€748k▼
Fixed assets21/28€574k€563k▼
Tangible fixed assets22/27€244k€233k▼
Land and buildings22€141k€135k▼
Furniture and vehicles24€6k€10k▲
Other tangible fixed assets26€97k€88k▼
Financial fixed assets28€329k€329k=
Current assets29/58€251k€185k▼
Stocks and contracts in progress3€152k€100k▼
Stocks30/36€152k€100k▼
Amounts receivable within one year40/41€6k€6k=
Other amounts receivable41€6k€6k=
Current investments50/53€2k€2k▲
Cash at bank and in hand54/58€90k€77k▼
Deferred charges and accrued income490/1€782€595▼
Equity and liabilities
Total equity and liabilities10/49€824k€748k▼
Equity10/15€461k€511k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€440k€491k▲
Amounts payable17/49€364k€237k▼
Amounts payable after more than one year17€85k€76k▼
Financial debts170/4€85k€76k▼
Amounts payable within one year42/48€279k€159k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Other amounts payable47/48€272k€151k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€19k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€39k€79k▲
Operating profit (loss)9901€18k€56k▲
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€13k€6k▼
Recurring financial charges65€13k€6k▼
Profit (loss) for the period before taxes9903€4k€51k▲
Profit (loss) for the period9904€4k€51k▲
Profit (loss) for the period to be appropriated9905€4k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€440k€491k▲
Profit (loss) brought forward from the previous period14P€436k€440k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €51k ▲1093%
Operating result €56k, net result €51k, both a record.
31-12
Financial
Equity above €500kEq €511k ▲11%
2 profitable years in a row build equity to €511k.
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after 5 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
07-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
SOTTIAUX Vincent
CurrentDirector · since 19-12-2023
19-12-2023
SOTTIAUX Vincent: Resigned as Manager
19-12-2023
SOTTIAUX Vincent: Appointed as Director
19-12-2023
BLUESHIELD MANAGEMENT SA: Resigned as Manager
Location & real-estate footprint
Registered office, Braine-le-Château
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.
Rue Idès Vanschepdael 781440 Braine-le-ChâteauGround area
1,373 m²
Building footprint
82 m²
Volume, LiDAR
382 m³
Parcel 25015D0151/00W000, Wallonia · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25015D0151/00W000 | Wallonia | 1,373 m² | 1 · 82 m² | 6.8 m · 2 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
Founded23-11-2009
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.