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Immo - Sambre

Active
Public limited companyfounded 198937 years activeAllée des Erables(GER) 1, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0437.428.032

The file of Immo - Sambre contains 6 judicial reorganisation notices, as published in the Belgian State Gazette.

Summary

The annual accounts of Immo - Sambre for fiscal year 2025 show a net loss of 64% of the equity at the start of that year. The computed 12-month bankruptcy probability is 1.7% (moderate). The 2025 annual accounts show equity of €1.5m and a net result of -€2.7m. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 5,669 sector peers (NACE 68, fiscal year 2025).

Overview

Activity
Real estate agency activities
NACE 68310
#1 company by total assets in Gerpinnes, Real estate sector1 site
Size
€1.4mturnover 2025
Equity
€1.5m
Loss
-€2.7m
Standalone figures, without subsidiaries
Financial health
53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.7%
Structure
Holdings
23
Auditor: F.C.G. REVISEURS D'ENTREPRISESAccounts filed 20 days late2 of 10 deeds read
Why 53- Liquidity: current ratio 0.50, cash €40,576, halved- Judicial reorganisation on record (6 publications, latest 30-12-2022)- Latest accounts 20 days late; 1 of the last 3 late+ Size: turnover €1.4m, total assets €105.4m, files consolidated accountsShow the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 24% of its sector peers (NACE 68, large)
Financial strength · tick = 2024
Weak
Solvency 26-3
equity 1.4% of total assets
Liquidity 38-12
short-term debt 28.7% · cash 0.0%
Profitability 44-25
return on assets -2.6%
Bankruptcy probability, 12 months
1.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (313 companies)
Last 24 months 11-2024: 10.0%highest value 12-2024: 10.0%● unchanged vs 11-2024highest value 01-2025: 10.0%● unchanged vs 12-2024highest value 02-2025: 10.0%● unchanged vs 01-2025highest value 03-2025: 10.0%● unchanged vs 02-2025highest value 04-2025: 10.0%● unchanged vs 03-2025highest value 05-2025: 10.0%● unchanged vs 04-2025highest value 06-2025: 10.0%● unchanged vs 05-2025highest value 07-2025: 10.0%● unchanged vs 06-2025highest value 08-2025: 10.0%● unchanged vs 07-2025highest value 09-2025: 10.0%● unchanged vs 08-2025highest value 10-2025: 10.0%● unchanged vs 09-2025highest value 11-2025: 10.0%● unchanged vs 10-2025highest value 12-2025: 10.0%● unchanged vs 11-2025highest value 01-2026: 0.7%▼ -9.3 percentage points vs 12-2025 02-2026: 0.7%● unchanged vs 01-2026lowest value 03-2026: 0.7%● unchanged vs 02-2026 04-2026: 0.7%● unchanged vs 03-2026 05-2026: 0.8%▲ +0.1 percentage points vs 04-2026 06-2026: 0.8%● unchanged vs 05-2026 07-2026: 0.9%▲ +0.1 percentage points vs 06-2026 08-2026: 1.6%▲ +0.7 percentage points vs 07-2026 09-2026: 1.7%▲ +0.1 percentage points vs 08-2026 10-2026: 1.7%● unchanged vs 09-2026
Credit up to €75,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.5 against 1.16 in 2024; short-term debt: 28.7% and cash: 0% of total assets), and 98.6% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, large): better than 11% on solvency, 23% on liquidity, 49% on profitability and 12% on growth.

The bankruptcy probability was computed on 07-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.50, cash €40,576, halved
NBB · annual accounts
raises risk · Judicial reorganisation on record (6 publications, latest 30-12-2022)
Belgian State Gazette
lowers risk · Size: turnover €1.4m, total assets €105.4m, files consolidated accounts
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Latest accounts 20 days late; 1 of the last 3 late
NBB · filings
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 5669 sector peers (2025).
NBB · sector comparison
Position among 5669 sector peers
Solvency
better than 15%
← 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 20-08-2026, 20 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 · 6 filings
Deviation from the deadline
2025
20 days late
2024
61 days late
2023
42 days early
2022
23 days late
2021
4 days early
2020
184 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 40 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 20 August (4 of the last 5 filed years within 41 days of that day).
Companies Code · seven months
Position in the running window
08-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Permanent representative: Gilles MeyfroidtState Gazette act
  3. Reappointment: F.C.G. REVISEURS D'ENTREPRISES (statutory auditor)Permanent representative: Steve LOTTIN

Key points

  • Caution: From profit to loss in 2025after €6.0m in 2024 -€2.7m View
  • Caution: Among the weakest 5% on net resultsector median €21,361 · 5,675 companies -€2.7m View
  • Heads a groupcompanies controlled · known shareholders 1% 27 View

By topic

Financials

Fiscal year
2025
Turnover
€1.4m
Loss
-€2.7m
Solvency
1.4%
Turnover▼ 19.6%
Net result
20192025
Go to Financials

Timeline

Events
26
Since
2019
Next accounts
by 31-07-2027
  1. 31-10-2025Annual accounts filed
  2. 30-09-2025Annual accounts filed
  3. 31-12-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
03-05-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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