IMMO Sainte Rita
ActiveSummary
IMMO Sainte Rita has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-39k) and a net result of €-42k. Equity is shrinking by ~20% per year across the filed fiscal years. Its solvency ranks better than 20% of 3539 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability1▼-9
Solvency12▼-14
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.07 against 0.11 in 2024; short-term debt: 76.6% and cash: 0% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-13%
Return on assets
-13.8%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 3539 sector peers (2024).
NBB · sector comparisonPosition among 3539 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
49 d late
2024
400 d late
2023
765 d late
2022
322 d late
2021
200 d late
2020
184 d late
2019
194 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-39k
2024 · €3k
2018: €90k
2019: €95k
2020: €95k
2021: €69k
2022: €63k
2023: €85k
2024: €3k
2018 → 2025
Total assets
€304k▼ 4.7%
2024 · €319k
2018: €153k
2019: €167k
2020: €357k
2021: €362k
2022: €342k
2023: €333k
2024: €319k
2018 → 2025
Net result
€-42k▼ 83.5%
2024 · €-23k
2018: €37k
2019: €5k
2020: €128
2021: €-26k
2022: €-6k
2023: €22k
2024: €-23k
2018 → 2025
Working capital
€-217k▼ 24.9%
2024 · €-174k
2018: €-40k
2019: €-30k
2020: €-62k
2021: €-127k
2022: €-117k
2023: €-95k
2024: €-174k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€63k▼ 8.9%€85k▲ 34.5%€3k▼ 96.8%€-39k
Operating result€-18k-€-4k▲ 80.1%€26k€-18k€-18k▼ 1.3%
Net result€-26k-€-6k▲ 76.6%€22k€-23k€-42k▼ 83.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €18k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€288k ▼ 3.5%
Current assets
€16k ▼ 21.4%
Key figures and ratios
EBITDA
€-7k▼
2024 · €-7k
Cash flow
€-32k▼
2024 · €-12k
Solvency
-13.0%▼
2024 · 0.9%
Current ratio
0.07▼
2024 · 0.11
Debt to equity
-8.72
ROA
-13.8%▼
2024 · -7.2%
Interest coverage
-1.35▲
2024 · -2.49
Debt
€344k▲
2024 · €317k
Debt ≤ 1 year
€233k▲
2024 · €195k
Debt > 1 year
€111k▼
2024 · €122k
Income taxes
€17k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€319k€304k▼
Fixed assets21/28€299k€288k▼
Tangible fixed assets22/27€299k€288k▼
Land and buildings22€299k€288k▼
Current assets29/58€21k€16k▼
Amounts receivable within one year40/41€14k€10k▼
Other amounts receivable41€14k€10k▼
Cash at bank and in hand54/58€771€97▼
Deferred charges and accrued income490/1€6k€6k=
Equity and liabilities
Total equity and liabilities10/49€319k€304k▼
Equity10/15€3k€-39k▼
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-25k€-68k▼
Amounts payable17/49€317k€344k▲
Amounts payable after more than one year17€122k€111k▼
Financial debts170/4€122k€111k▼
Amounts payable within one year42/48€195k€233k▲
Current portion of amounts payable after more than one year42€11k€12k▲
Trade debts44€9k€8k▼
Suppliers440/4€9k€8k▼
Taxes, remuneration and social security45-€16k
Taxes450/3-€16k
Other amounts payable47/48€174k€197k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k=
Other operating charges640/8€6k€6k▼
Gross operating margin9900€-1k€-2k▼
Operating profit (loss)9901€-18k€-18k▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€3k€6k▲
Non-recurring financial charges66B€2k€1k▼
Profit (loss) for the period before taxes9903€-23k€-25k▼
Income taxes67/77-€17k
Profit (loss) for the period9904€-23k€-42k▼
Profit (loss) for the period to be appropriated9905€-23k€-42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-25k€-68k▼
Profit (loss) brought forward from the previous period14P€-2k€-25k▼
The notes to these accounts (5 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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
04-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 400 days late
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 765 days late
2025
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series.
2024
17-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 322 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 200 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 184 days late
2021
10-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 194 days late
2019
03-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 125 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
22-02
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 206 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aiseau-Presles · 1 establishment unit since 2001
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 de la Pairelle(PL) 346250 Aiseau-PreslesGround area
2,942 m²
Building footprint
324 m²
Volume, LiDAR
1,393 m³
2 parcels, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée Brunehault(LEV) 488, 7134 Binche
since 20012.024.502.836
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52060A0362/00A007 | Wallonia | 1,998 m² | 1 · 216 m² | 9.2 m · 2 fl. |
| 55032B0440/00M000 | Wallonia | 944 m² | 1 · 108 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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NAXCAR
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Of 7,375 companies in sector 95311 we hold annual accounts for 2,959. 577 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-1984
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47260Retail trade
47300Retail sale of automotive fuel
47540Retail sale of electrical household appliances
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.