Subsidiaries and holdings
- Imoca100%
- LEOPOLD STAY100%
- MONSOTEL100%
- NAVONA 300100%
- Place d'Armes100%
- HOTEL BONCELLES99.99%
- HOTEL RAEREN99.99%
- IMMO - IBIS - SUD99.99%
Immo - Sambre
ActiveThe file of Immo - Sambre contains 6 judicial reorganisation notices, as published in the Belgian Official Gazette.
Summary
The annual accounts of Immo - Sambre for financial 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. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 15% of 5,796 sector peers (NACE 68, financial year 2025).
Overview
Official details
Source: KBO- Status
- Active since 03-05-1989 Normal situation
- Registered office
- 10 active companies are registered at this address Source: KBO register, as of 2 November 2026.
- Activity
- Real estate agency activities NACE 68310and 2 others
- Establishment unit
- 2.269.256.602 6280 Gerpinnes, since 30-10-2017
- Financial year end
- 31 December
- Peppol
- Reachable since 05-01-2026
Board and ownership
Board
- Bernard CAYMANManaging director
- CAYMAN ManagementDirector · since 01-07-2022 · permanent representative François CAYMAN
- GESCOPARDirector · since 01-07-2022 · permanent representative Olivier CAYMAN
- Auditor
- SINIO SRL
Shareholders
- Bernard CAYMAN0.89%annual accounts 2025
- François CAYMAN0.05%annual accounts 2025
- Julien CAYMAN0.05%annual accounts 2025
- Holdings
- Shares in 23 companies including C2D INVEST and HOTEL MIDI STATION
Financial position
- Bankruptcy probabilitywithin 12 months
- 1.7%
Annual accounts 2025
- Turnover
- €1.4m
- ▼ 19.6%
- Loss
- €2.7m
- Equity
- €1.5m
- ▼ 64.3%
- Total assets
- €105.4m
- ▲ 1.7%
- 2025 accounts filed 20 days after the deadline
Standalone figures, without subsidiaries
Group, consolidated 2024: turnover €34.7m, result €2.1m
Score breakdownraises riskLiquidity: current ratio 0.50, cash €40,576, halvedJudicial reorganisation on record (6 publications, latest 30-12-2022)Last filed accounts filed 20 days late; 1 of the last 3 accounts latelowers riskSize: 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 stronger than 24% of large companies in real estate (NACE 68)
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 within 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).
Last 24 months
12-2024: 10.0%highest 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
11-2026: 1.7%● unchanged vs 10-2026
Credit of up to €75,000 on 30-day terms, only on tighter conditions: judicial reorganisation (WER Book XX) on file
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.5 (1.16 in 2024), below 1. Short-term debt is 28.7% and cash 0% of total assets. 98.6% of the assets are financed with debt and provisions.
Calculation
The band follows from the bankruptcy probability. 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). It does better than 11% of them on solvency, 23% on liquidity, 49% on profitability and 12% on growth.
The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 5796 sector peers (2025).
NBB · sector comparisonPosition among 5796 sector peers
Solvency
better than 15%
← weakest
strongest →
raises risk · 2025 accounts filed 20 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation 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
The company filed its last 6 accounts on average 40 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 accounts filed within 41 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
Key points
Recent changes
- · Gazette deed Demerger proposal: Immo - Sambre splits off to Belco Core
- · Gazette deed Permanent representative: Gilles Meyfroidt
- · Gazette deed Reappointment: F.C.G. REVISEURS D'ENTREPRISES (statutory auditor)Permanent representative: Steve LOTTIN
Companies linked to Immo - Sambre
Comparable companies
These companies have the same main activity as Immo - Sambre: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €41m and €135m, founded between 1985 and 1994.
| Company | Total assets | Turnover |
|---|---|---|
| Immo - Sambre Gerpinnes | €105.4m | €1.4m |
| Cennini Holding Roeselare | €72.8m | €1.5m |
| Bostoen Group Gent | €86.3m | €0.7m |
| MONDIAL IMMO Fleurus | €53.0m | €1.2m |
| SOBRADIS Gent | €54.7m | €1.6m |
| VALDEBRIMMO Zandhoven | €41.1m | €1.3m |
| IMMO EURO Roeselare | €134.6m | €5.5m |
Key facts about Immo - Sambre
- What is the company number of Immo - Sambre?
- The company number of Immo - Sambre is 0437.428.032. The VAT number is the same number with BE in front: BE 0437.428.032.
- Where is Immo - Sambre based?
- The registered office is at Allée des Erables(GER) 1, 6280 Gerpinnes.Company details
- What does Immo - Sambre do?
- According to the KBO register, the main activity is real estate agency activities (NACE 68310).
- What is the legal form of Immo - Sambre?
- The legal form of Immo - Sambre is Public limited company (NV).
- When was Immo - Sambre founded?
- Immo - Sambre was founded on 03-05-1989.
- Is Immo - Sambre still active?
- Yes, Immo - Sambre is an active enterprise in the KBO register.
- What is the turnover of Immo - Sambre?
- The turnover of Immo - Sambre was €1.4m in financial year 2025, according to the filed annual accounts.Financials
- Is Immo - Sambre profitable?
- In financial year 2025, Immo - Sambre made a loss of €2.7m.
- Where can I find the annual accounts of Immo - Sambre?
- Immo - Sambre filed 44 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Immo - Sambre due?
- Immo - Sambre must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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