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IMMO SCHOTS

Active
Public limited companyfounded 198739 yrs activeProvinciesteenweg 674, 2530 Boechout, BelgiumKBO/BCE: BE 0431.280.707
Summary

IMMO SCHOTS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €552,176 and a net result of €25,671. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 57% of 9341 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability71=
Solvency65▲+2
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.0 in 2024; short-term debt: 16.8% and cash: 1% of total assets), and 59.7% of the assets are financed with debt.
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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 39 years 0 40 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
40.3%
Return on assets
1.9%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €552,176
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
59 d early
2024
55 d early
2023
50 d early
2022
42 d early
2021
51 d early
2020
51 d early
2019
56 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 52 days before 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 10 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 25 May 1987, IMMO SCHOTS was incorporated.1 Total assets went from EUR 966,148 in 2018 to EUR 1.4 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

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Financials · fiscal year 2025, abbreviated schema

Equity
€552,176▲ 4.9%
2024 · €526,505
Total assets
€1.4m▼ 2.0%
2024 · €1.4m
Net result
€25,671▲ 2.1%
2024 · €25,155
Working capital
-€216,046▲ 14.1%
2024 · -€251,456
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€24,834▲ 20.7%-€10,427▲ 58.0%€28,984€27,482▼ 5.2%€28,180▲ 2.5%
Net result-€24,520below the sector's middle half▲ 9.4%-€15,161below the sector's middle half▲ 38.2%€25,976within the sector's middle half€25,155within the sector's middle half▼ 3.2%€25,671within the sector's middle half▲ 2.1%
Equity€490,535within the sector's middle half▲ 3.6%€475,374within the sector's middle half▼ 3.1%€501,350within the sector's middle half▲ 5.5%€526,505within the sector's middle half▲ 5.0%€552,176within the sector's middle half▲ 4.9%
Total assets€1.2mwithin the sector's middle half▲ 52.9%€1.5mwithin the sector's middle half▲ 24.0%€1.4mwithin the sector's middle half▼ 1.6%€1.4mwithin the sector's middle half▼ 3.0%€1.4mwithin the sector's middle half▼ 2.0%
Debt€511,900▲ 587%€815,251▲ 59.3%€772,258▼ 5.3%€709,433▼ 8.1%€661,848▼ 6.7%
Working capital-€192,496below the sector's middle half▼ 185%-€306,623below the sector's middle half▼ 59.3%-€286,974below the sector's middle half▲ 6.4%-€251,456below the sector's middle half▲ 12.4%-€216,046below the sector's middle half▲ 14.1%
Solvency41.5%within the sector's middle half▼ 19.8pp32.4%within the sector's middle half▼ 9.1pp34.8%within the sector's middle half▲ 2.3pp37.6%within the sector's middle half▲ 2.9pp40.3%within the sector's middle half▲ 2.6pp
Current ratio0.00below the sector's middle half▼ 0.090.01below the sector's middle half=0.01below the sector's middle half▲ 0.010.00below the sector's middle half▼ 0.010.06below the sector's middle half▲ 0.06
Return on assets (ROA)-2.1%below the sector's middle half▲ 1.4pp-1.0%below the sector's middle half▲ 1.0pp1.8%within the sector's middle half▲ 2.8pp1.8%within the sector's middle half=1.9%within the sector's middle half▲ 0.1pp
Staff (FTE)
above within below the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€40,000-€20,000€0€20,000Operating result 2021: -€24,834-€24,834Net result 2021: -€24,520-€24,520Operating result 2022: -€10,427-€10,427Net result 2022: -€15,161-€15,161Operating result 2023: €28,984€28,984Net result 2023: €25,976€25,976Operating result 2024: €27,482€27,482Net result 2024: €25,155€25,155Operating result 2025: €28,180€28,180Net result 2025: €25,671€25,67120212022202320242025€0€10,000€20,000€30,000Operating result 2023: €28,984€29,000Net result 2023: €25,976€26,000Operating result 2024: €27,482€27,500Net result 2024: €25,155€25,200Operating result 2025: €28,180€28,200Net result 2025: €25,671€25,700202320242025
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets €1.4m ▼ 3.0%
Current assets €14,736 ▲ 1,189%
Equity and liabilities €1.4m
Equity €552,176 ▲ 4.9%
Provisions €156,901 ▼ 3.6%
Debt €661,848 ▼ 6.7%
Debt's share of the balance-sheet total falls from 50.7% to 48.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€69,561▲
2024 · €68,864
Cash flow
€67,053▲
2024 · €66,536
Debt to equity
1.20▼
2024 · 1.35
ROE
4.6%▼
2024 · 4.8%
Interest coverage
8.30▼
2024 · 8.40
Debt ≤ 1 year
€230,781▼
2024 · €252,600
Debt > 1 year
€429,271▼
2024 · €454,844
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 14,732 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.

  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit under 5% of the balance sheet
0.2% went bankrupt
3.5% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 14,732 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.4m€1.4m▼
Fixed assets21/28€1.4m€1.4m▼
Tangible fixed assets22/27€1.4m€1.4m▼
Land and buildings22€1.4m€1.4m▼
Furniture and vehicles24€2,112€1,341▼
Current assets29/58€1,143€14,736▲
Cash at bank and in hand54/58-€13,542
Deferred charges and accrued income490/1€1,143€1,194▲
Equity and liabilities
Total equity and liabilities10/49€1.4m€1.4m▼
Equity10/15€526,505€552,176▲
Contributions10/11€98,255€98,255=
Capital10€98,255€98,255=
Issued capital100€98,255€98,255=
Reserves13€512,203€494,578▼
Non-distributable reserves130/1€23,845€23,845=
Legal reserve130€23,845€23,845=
Tax-exempt reserves132€488,329€470,704▼
Distributable reserves133€29€29=
Profit (loss) carried forward14-€83,952-€40,657▲
Provisions and deferred taxes16€162,776€156,901▼
Deferred taxes168€162,776€156,901▼
Amounts payable17/49€709,433€661,848▼
Amounts payable after more than one year17€454,844€429,271▼
Financial debts170/4€454,844€429,271▼
Amounts payable within one year42/48€252,600€230,781▼
Current portion of amounts payable after more than one year42€25,988€25,573▼
Trade debts44€24€456▲
Suppliers440/4€24€456▲
Other amounts payable47/48€226,588€204,752▼
Accrued charges and deferred income492/3€1,990€1,796▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41,381€41,381=
Other operating charges640/8€4,168€4,298▲
Gross operating margin9900€73,032€73,859▲
Operating profit (loss)9901€27,482€28,180▲
Financial charges65/66B€8,202€8,383▲
Recurring financial charges65€8,202€8,383▲
Profit (loss) for the period before taxes9903€19,280€19,797▲
Transfer from deferred taxes780€5,875€5,875=
Profit (loss) for the period9904€25,155€25,671▲
Transfer from tax-exempt reserves789€17,625€17,625=
Profit (loss) for the period to be appropriated9905€42,779€43,296▲
Appropriation of the result
Profit (loss) to be appropriated9906-€83,952-€40,657▲
Profit (loss) brought forward from the previous period14P-€126,732-€83,952▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20,195€35,429€40,403€41,381€41,381=
Other operating charges640/8€14,260€3,618€3,802€4,168€4,298▲ 3.1%
Gross operating margin9900€9,621€28,620€73,190€73,032€73,859▲ 1.1%
Operating profit (loss)9901-€24,834-€10,427€28,984€27,482€28,180▲ 2.5%
Financial income75/76B-€0----
Recurring financial income75-€0----
Financial charges65/66B€3,945€8,993€8,883€8,202€8,383▲ 2.2%
Recurring financial charges65€3,945€8,993€8,883€8,202€8,383▲ 2.2%
Profit (loss) for the period before taxes9903-€28,779-€19,420€20,101€19,280€19,797▲ 2.7%
Transfer from deferred taxes780€4,259€4,259€5,875€5,875€5,875=
Profit (loss) for the period9904-€24,520-€15,161€25,976€25,155€25,671▲ 2.1%
Transfer from tax-exempt reserves789€12,778€12,778€17,625€17,625€17,625=
Profit (loss) for the period to be appropriated9905-€11,742-€2,383€43,601€42,779€43,296▲ 1.2%
Line20212022202320242025Change
Assets
Total assets20/58€1.2m€1.5m€1.4m€1.4m€1.4m▼ 2.0%
Fixed assets21/28€1.2m€1.5m€1.4m€1.4m€1.4m▼ 3.0%
Tangible fixed assets22/27€1.2m€1.5m€1.4m€1.4m€1.4m▼ 3.0%
Land and buildings22€1.2m€1.5m€1.4m€1.4m€1.4m▼ 2.9%
Furniture and vehicles24-€3,653€2,883€2,112€1,341▼ 36.5%
Current assets29/58€745€1,951€3,306€1,143€14,736▲ 1,189%
Cash at bank and in hand54/58€144€1,099€2,180-€13,542-
Deferred charges and accrued income490/1€601€852€1,127€1,143€1,194▲ 4.4%
Equity and liabilities
Total equity and liabilities10/49€1.2m€1.5m€1.4m€1.4m€1.4m▼ 2.0%
Equity10/15€490,535€475,374€501,350€526,505€552,176▲ 4.9%
Contributions10/11€98,255€98,255€98,255€98,255€98,255=
Capital10€98,255€98,255€98,255€98,255€98,255=
Issued capital100€98,255€98,255€98,255€98,255€98,255=
Reserves13€560,230€547,452€529,827€512,203€494,578▼ 3.4%
Non-distributable reserves130/1€23,845€23,845€23,845€23,845€23,845=
Legal reserve130€23,845€23,845€23,845€23,845€23,845=
Tax-exempt reserves132€536,355€523,578€505,953€488,329€470,704▼ 3.6%
Distributable reserves133€29€29€29€29€29=
Profit (loss) carried forward14-€167,949-€170,332-€126,732-€83,952-€40,657▲ 51.6%
Provisions and deferred taxes16€178,785€174,526€168,651€162,776€156,901▼ 3.6%
Deferred taxes168€178,785€174,526€168,651€162,776€156,901▼ 3.6%
Amounts payable17/49€511,900€815,251€772,258€709,433€661,848▼ 6.7%
Amounts payable after more than one year17€318,660€504,686€479,988€454,844€429,271▼ 5.6%
Financial debts170/4€318,660€504,686€479,988€454,844€429,271▼ 5.6%
Amounts payable within one year42/48€193,241€308,575€290,280€252,600€230,781▼ 8.6%
Current portion of amounts payable after more than one year42-€20,314€24,699€25,988€25,573▼ 1.6%
Trade debts44-€1,270€1,849€24€456▲ 1,785%
Suppliers440/4-€1,270€1,849€24€456▲ 1,785%
Other amounts payable47/48€193,241€286,991€263,733€226,588€204,752▼ 9.6%
Accrued charges and deferred income492/3-€1,990€1,990€1,990€1,796▼ 9.8%
Line20212022202320242025Change
Profit (loss) for the period9904-€24,520-€15,161€25,976€25,155€25,671▲ 2.1%
+ Depreciation and write-downs630€20,195€35,429€40,403€41,381€41,381=
Operating cash flow (approximation)-€4,325€20,268€66,379€66,536€67,053▲ 0.8%
Investment in fixed assets (approximation)--€318,154-€16,156€0€0-
Change in cash-€955€1,081---

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
02-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-06
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-06
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Back to profitnet €25,976
Net result €25,976 after 5 loss-making years.
31-12
Financial Equity above €500,000Eq €501,350 ▲5.5%
Equity rises from €475,374 to €501,350.
19-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-06
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-06
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
05-06
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial Weakest financial yearnet -€37,307
Net result drops to -€37,307, the lowest in the series; recovery starts the following year.
27-09
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 58 days late
2018
26-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
6 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, Boechout · 1 establishment unit since 1987
seat establishment The establishment unit on the map
Ground area
1,297 m²
Building footprint
166 m²
Volume, LiDAR
1,137 m³
Parcel 11004C0381/00H000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
IMMO SCHOTS
Provinciesteenweg 674, 2530 BoechoutInsurance, reinsurance and pension funding, except compulsory social security
since 19872.029.366.890
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11004C0381/00H000 Flanders 1,297 m² 1 · 166 m² 8.4 m · 2 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 3,630 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded25-05-1987
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
56210Event catering
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0431280707
Also 9925:BE0431280707
Registered 20-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.