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IMMO SCIFO

Active
Private limited companyfounded 200422 yrs activeAvenue T. Gonda(IVR) 2b, 4400 Flémalle, BelgiumKBO/BCE: BE 0865.285.233
Summary

IMMO SCIFO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42,144 and a net result of €18,807. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 15408 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Risk analysisWatch ReportCompare
IMMO SCIFOActiveChecked score 72/100
Risk analysis ReportCompare

Overview

Activity
Limited-service restaurants, excluding mobile food services
NACE 56112Full-service restaurants NACE 56101Limited-service restaurants NACE 56102
#4 oldest company in Flémalle, Accommodation and food service sector2 sites
Size
€58,621total assets 2025
Staff
4.2 FTE
Equity
€42,144
Profit
€18,807
Turnover not published (abridged schema)
Financial health
72 Healthy Checked score 2025
Bankruptcy chance 12 m
0.7%
Structure
Accounts filed 7 d late0 of 12 deeds read
Why 72- Sector Food and beverage service activities (NACE 56)- Size: total assets €58,621- Latest accounts 7 days late; 1 of the last 3 late+ Founded in 2004Show the evidence

Checked score

Score 2025
72 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 86% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 97+23
equity 71.9% of total assets
Liquidity 75+21
short-term debt 28.1% · cash 29.3%
Profitability 100+18
return on assets 32.1%
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.9% (23,482 companies)
Last 24 months 11-2024: 1.0% 12-2024: 1.0%● 0.0% vs 11-2024 01-2025: 1.0%▼ -1.7% vs 12-2024 02-2025: 1.0%● 0.0% vs 01-2025 03-2025: 1.0%▼ -0.6% vs 02-2025 04-2025: 1.0%▼ -0.5% vs 03-2025 05-2025: 1.0%▼ -3.5% vs 04-2025 06-2025: 0.9%▼ -3.5% vs 05-2025 07-2025: 1.1%▲ +16.6% vs 06-2025 08-2025: 1.5%▲ +37.8% vs 07-2025 09-2025: 1.7%▲ +14.6% vs 08-2025highest value 10-2025: 1.1%▼ -37.1% vs 09-2025 11-2025: 1.1%● 0.0% vs 10-2025 12-2025: 1.1%● 0.0% vs 11-2025 01-2026: 1.1%▼ -1.7% vs 12-2025 02-2026: 1.1%● 0.0% vs 01-2026 03-2026: 1.0%▼ -1.4% vs 02-2026 04-2026: 1.0%▼ -1.0% vs 03-2026 05-2026: 1.0%▼ -3.5% vs 04-2026 06-2026: 1.0%▼ -3.4% vs 05-2026 07-2026: 1.0%▲ +4.5% vs 06-2026 08-2026: 1.2%▲ +24.7% vs 07-2026 09-2026: 0.7%▼ -46.5% vs 08-2026lowest value 10-2026: 0.7%● 0.0% vs 09-2026lowest value
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Size: total assets €58,621 raises the probability for this profile
  • Latest accounts 7 days late; 1 of the last 3 late raises the probability
  • Founded in 2004 lowers the probability for this profile
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 2.5 against 1.14 in 2024; short-term debt: 28.1% and cash: 29.3% of total assets), and 28.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 85%, liquidity 79%, profitability 93%, growth against the median 87%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: total assets €58,621
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
raises risk · Latest accounts 7 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Founded in 2004
In the bankruptcy model this factor lowers the probability for this profile.
KBO
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 filings
Deviation from the deadline
2025
7 d late
2024
48 d late
2023
5 d late
2022
59 d late
2021
30 d late
2020
61 d late
2019
73 d late
← 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 40 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €18,807 ▲281%
  3. Liquidity doublescurrent ratio 2.50

Key points

  • Positive: Oldest company in Flémalle, Accommodation and food service…in the Checked rankings #4 View
  • Total assets 20256 fiscal years filed €58,621 View
  • Active since 2004founded 13-05-2004 22 years View

By topic

Financials

Fiscal year
2025
Total assets
€58,621
Profit
€18,807
Solvency
71.9%
Turnover
Net result
20182021
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 07-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Liquidity doubles
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Limited-service restaurants, excluding mobile food servicesNACE 56112
Founded
13-05-2004
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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