IMMO-SER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €381k and a net result of €22k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 54% of 6156 sector peers (fiscal year 2024). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-08-2025, 11 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
not confirmed
2024
11 d late
2023
15 d early
2022
29 d late
2021
29 d late
2020
30 d late
2019
53 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€381k▲ 6.0%
2023 · €360k
2018: €194k
2019: €257k
2020: €269k
2021: €322k
2022: €340k
2023: €360k
2018 → 2024
Net result
€22k▲ 10.8%
2023 · €20k
2018: €41k
2019: €63k
2020: €11k
2021: €54k
2022: €18k
2023: €20k
2018 → 2024
Total assets
€682k▼ 4.1%
2023 · €711k
2018: €1.08M
2019: €965k
2020: €897k
2021: €821k
2022: €741k
2023: €711k
2018 → 2024
Solvency
55.9%▲ 5.3pp
2023 · 50.6%
2018: 18.1%
2019: 26.7%
2020: 30.0%
2021: 39.3%
2022: 45.9%
2023: 50.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€269k-€322k▲ 19.9%€340k▲ 5.5%€360k▲ 5.7%€381k▲ 6.0%
Operating result€42k-€95k▲ 128%€43k▼ 54.5%€42k▼ 3.2%€43k▲ 1.6%
Net result€11k-€54k▲ 375%€18k▼ 66.7%€20k▲ 9.7%€22k▲ 10.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 2% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €682k
Fixed assets
€603k▼ 9.3%
Current assets
€80k▲ 70.8%
Equity and liabilities €682k
Equity
€381k▲ 6.0%
Debt
€301k▼ 14.4%
The debt ratio falls from 49.4% to 44.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
55.9%▲
2023 · 50.6%
ROE
5.7%▲
2023 · 5.4%
ROA
3.2%▲
2023 · 2.7%
Debt
€301k▼
2023 · €352k
Debt ≤ 1 year
€138k▲
2023 · €134k
Debt > 1 year
€163k▼
2023 · €217k
Income taxes
€7k▲
2023 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€711k€682k▼
Fixed assets21/28€665k€603k▼
Tangible fixed assets22/27€665k€603k▼
Land and buildings22€665k€603k▼
Current assets29/58€47k€80k▲
Amounts receivable within one year40/41€46k€79k▲
Other amounts receivable41€46k€79k▲
Cash at bank and in hand54/58€431€198▼
Equity and liabilities
Total equity and liabilities10/49€711k€682k▼
Equity10/15€360k€381k▲
Contributions10/11€20k€20k=
Reserves13€335k€355k▲
Distributable reserves133€335k€355k▲
Profit (loss) carried forward14€5k€6k▲
Amounts payable17/49€352k€301k▼
Amounts payable after more than one year17€217k€163k▼
Financial debts170/4€217k€163k▼
Amounts payable within one year42/48€134k€138k▲
Current portion of amounts payable after more than one year42€51k€54k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45€7k€1k▼
Taxes450/3€7k€1k▼
Other amounts payable47/48€69k€75k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€62k€62k=
Other operating charges640/8€15k€15k▲
Gross operating margin9900€118k€119k▲
Operating profit (loss)9901€42k€43k▲
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€26k€29k▲
Income taxes67/77€6k€7k▲
Profit (loss) for the period9904€20k€22k▲
Profit (loss) for the period to be appropriated9905€20k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€335k€26k▼
Profit (loss) brought forward from the previous period14P€315k€5k▼
Transfer to equity691/2€330k€20k▼
To other reserves6921€330k€20k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €11k ▼82.2%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 53 days late
2019
31-12
Financial
Highest result since 2018net €63k ▲55.8%
Operating result €123k, net result €63k, both a record.
31-12
Financial
Equity above €200kEq €257k ▲32.6%
2 profitable years in a row build equity to €257k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 16 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, Vilvoorde · 1 establishment unit since 2007
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.
Aarschotsestraat 471800 VilvoordeGround area
5,293 m²
Building footprint
3,245 m²
Volume, LiDAR
29,186 m³
Parcel 23066A0015/00S002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IMMO-SER
since 20072.165.689.306
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23066A0015/00S002 | Flanders | 5,293 m² | 1 · 3,245 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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WILMA VL
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ARCUM LAW
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.