IMMO-SERVICE
ActiveSummary
IMMO-SERVICE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €67k. Equity is growing by ~28.2% per year across the filed fiscal years. Its solvency ranks better than 59% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▲+10
Solvency66▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.82 in 2024; short-term debt: 58.6% and cash: 90% of total assets), but 59.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.8%
Return on assets
13.2%
Age of the figures
12 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-05-2026, 30 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
35 d early
2022
45 d early
2021
43 d early
2020
39 d early
2019
42 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 47.7%
2024 · €141k
2018: €36k
2019: €48k▲ +33.2% vs 2018
2020: €34k▼ -29.1% vs 2019lowest in 8 years
2021: €75k▲ +121% vs 2020
2022: €99k▲ +31.3% vs 2021
2023: €125k▲ +26.4% vs 2022
2024: €141k▲ +12.8% vs 2023
2025: €208k▲ +47.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€511k▲ 64.8%
2024 · €310k
2018: €70k
2019: €112k▲ +60.6% vs 2018
2020: €45k▼ -59.9% vs 2019lowest in 8 years
2021: €200k▲ +346% vs 2020
2022: €225k▲ +12.4% vs 2021
2023: €271k▲ +20.3% vs 2022
2024: €310k▲ +14.6% vs 2023
2025: €511k▲ +64.8% vs 2024highest in 8 years
2018 → 2025
Net result
€67k▲ 320%
2024 · €16k
2018: €10k
2019: €12k▲ +18.4% vs 2018
2020: €-14k▼ -217% vs 2019lowest in 8 years
2021: €41k▲ +394% vs 2020
2022: €24k▼ -42.7% vs 2021
2023: €26k▲ +10.5% vs 2022
2024: €16k▼ -38.6% vs 2023
2025: €67k▲ +320% vs 2024highest in 8 years
2018 → 2025
Working capital
€208k▲ 51.0%
2024 · €138k
2018: €36k
2019: €46k▲ +28.5% vs 2018
2020: €34k▼ -27.4% vs 2019lowest in 8 years
2021: €75k▲ +123% vs 2020
2022: €99k▲ +31.8% vs 2021
2023: €123k▲ +23.4% vs 2022
2024: €138k▲ +12.5% vs 2023
2025: €208k▲ +51.0% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€99k▲ 31.3%€125k▲ 26.4%€141k▲ 12.8%€208k▲ 47.7%
2021: €75klowest in 5 years
2022: €99k▲ +31.3% vs 2021
2023: €125k▲ +26.4% vs 2022
2024: €141k▲ +12.8% vs 2023
2025: €208k▲ +47.7% vs 2024highest in 5 years
Operating result€52k-€37k▼ 28.4%€40k▲ 9.0%€23k▼ 43.1%€93k▲ 307%
2021: €52k
2022: €37k▼ -28.4% vs 2021
2023: €40k▲ +9.0% vs 2022
2024: €23k▼ -43.1% vs 2023lowest in 5 years
2025: €93k▲ +307% vs 2024highest in 5 years
Net result€41k-€24k▼ 42.7%€26k▲ 10.5%€16k▼ 38.6%€67k▲ 320%
2021: €41k
2022: €24k▼ -42.7% vs 2021
2023: €26k▲ +10.5% vs 2022
2024: €16k▼ -38.6% vs 2023lowest in 5 years
2025: €67k▲ +320% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 307% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €511k
Fixed assets
€3k ▼ 10.4%
Current assets
€508k ▲ 65.7%
Equity and liabilities €511k
Equity
€208k ▲ 47.7%
Debt
€303k ▲ 79.2%
Debt's share of the balance-sheet total rises from 54.5% to 59.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€95k▲
2024 · €24k
Cash flow
€69k▲
2024 · €17k
Current ratio
1.70▼
2024 · 1.82
Debt to equity
1.45▲
2024 · 1.20
ROE
32.3%▲
2024 · 11.4%
ROA
13.2%▲
2024 · 5.2%
Interest coverage
195.67▲
2024 · 40.68
Debt ≤ 1 year
€300k▲
2024 · €169k
Income taxes
€28k▲
2024 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€310k€511k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Plant, machinery and equipment23€4k-
Furniture and vehicles24-€645
Other tangible fixed assets26-€3k
Current assets29/58€306k€508k▲
Amounts receivable within one year40/41€48k€48k▼
Trade receivables40€8k€8k▼
Other amounts receivable41€40k€40k=
Cash at bank and in hand54/58€257k€460k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€310k€511k▲
Equity10/15€141k€208k▲
Contributions10/11€6k€6k=
Reserves13€135k€202k▲
Distributable reserves133€135k€202k▲
Amounts payable17/49€169k€303k▲
Amounts payable within one year42/48€169k€300k▲
Financial debts43-€7k
Credit institutions430/8-€7k
Trade debts44€10k€15k▲
Suppliers440/4€10k€15k▲
Advances received on contracts in progress46€147k€247k▲
Taxes, remuneration and social security45€12k€30k▲
Taxes450/3€9k€27k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48-€1k
Accrued charges and deferred income492/3€387€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€100
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€796€719▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€25k€96k▲
Operating profit (loss)9901€23k€93k▲
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€588€483▼
Recurring financial charges65€588€483▼
Profit (loss) for the period before taxes9903€24k€96k▲
Income taxes67/77€8k€28k▲
Profit (loss) for the period9904€16k€67k▲
Profit (loss) for the period to be appropriated9905€16k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€67k▲
Profit (loss) brought forward from the previous period14P€-1k-
Transfer to equity691/2€15k€67k▲
To other reserves6921€15k€67k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €100 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €368 | - | €461 | €1k | €1k | ▲ 25.4% |
| Other operating charges640/8 | - | €633 | €650 | €796 | €719 | ▼ 9.7% |
| Non-recurring operating charges66A | - | - | €1k | - | €1k | - |
| Gross operating margin9900 | €53k | €38k | €42k | €25k | €96k | ▲ 289% |
| Operating profit (loss)9901 | €52k | €37k | €40k | €23k | €93k | ▲ 307% |
| Financial income75/76B | - | - | €2 | €1k | €3k | ▲ 103% |
| Recurring financial income75 | €2 | - | €2 | €1k | €3k | ▲ 103% |
| Financial charges65/66B | - | €286 | €62 | €588 | €483 | ▼ 17.9% |
| Recurring financial charges65 | €243 | €286 | €62 | €588 | €483 | ▼ 17.9% |
| Profit (loss) for the period before taxes9903 | €51k | €37k | €40k | €24k | €96k | ▲ 303% |
| Income taxes67/77 | €10k | €13k | €14k | €8k | €28k | ▲ 269% |
| Profit (loss) for the period9904 | €41k | €24k | €26k | €16k | €67k | ▲ 320% |
| Profit (loss) for the period to be appropriated9905 | €41k | €24k | €26k | €16k | €67k | ▲ 320% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €200k | €225k | €271k | €310k | €511k | ▲ 64.8% |
| Fixed assets21/28 | - | - | €5k | €4k | €3k | ▼ 10.4% |
| Tangible fixed assets22/27 | - | - | €5k | €4k | €3k | ▼ 10.4% |
| Plant, machinery and equipment23 | - | - | €5k | €4k | - | - |
| Furniture and vehicles24 | - | - | - | - | €645 | - |
| Other tangible fixed assets26 | - | - | - | - | €3k | - |
| Current assets29/58 | €200k | €225k | €266k | €306k | €508k | ▲ 65.7% |
| Amounts receivable within one year40/41 | €2k | €14k | €62k | €48k | €48k | ▼ 1.1% |
| Trade receivables40 | - | €14k | €62k | €8k | €8k | ▼ 6.3% |
| Other amounts receivable41 | - | - | €390 | €40k | €40k | = |
| Cash at bank and in hand54/58 | €198k | €210k | €203k | €257k | €460k | ▲ 78.9% |
| Deferred charges and accrued income490/1 | - | - | - | €1k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €200k | €225k | €271k | €310k | €511k | ▲ 64.8% |
| Equity10/15 | €75k | €99k | €125k | €141k | €208k | ▲ 47.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €83k | €107k | €120k | €135k | €202k | ▲ 49.9% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €105k | €118k | €135k | €202k | ▲ 49.9% |
| Profit (loss) carried forward14 | €-14k | €-14k | €-1k | - | - | - |
| Amounts payable17/49 | €125k | €126k | €145k | €169k | €303k | ▲ 79.2% |
| Amounts payable within one year42/48 | €125k | €125k | €143k | €169k | €300k | ▲ 77.8% |
| Financial debts43 | - | - | - | - | €7k | - |
| Credit institutions430/8 | - | - | - | - | €7k | - |
| Trade debts44 | €2k | €6k | €3k | €10k | €15k | ▲ 57.2% |
| Suppliers440/4 | - | €6k | €3k | €10k | €15k | ▲ 57.2% |
| Advances received on contracts in progress46 | - | €106k | €123k | €147k | €247k | ▲ 68.4% |
| Taxes, remuneration and social security45 | - | €13k | €17k | €12k | €30k | ▲ 144% |
| Taxes450/3 | - | €9k | €12k | €9k | €27k | ▲ 189% |
| Remuneration and social security454/9 | - | €4k | €4k | €3k | €3k | ▲ 0.1% |
| Other amounts payable47/48 | - | - | - | - | €1k | - |
| Accrued charges and deferred income492/3 | - | €348 | €2k | €387 | €3k | ▲ 693% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €24k | €26k | €16k | €67k | ▲ 320% |
| + Depreciation and write-downs630 | €368 | - | €461 | €1k | €1k | ▲ 25.4% |
| Operating cash flow (approximation) | €42k | €24k | €27k | €17k | €69k | ▲ 302% |
| Investment in fixed assets (approximation) | - | - | - | €0 | €-903 | ▼ 1,290,100% |
| Change in cash | - | €13k | €-7k | €54k | €203k | ▲ 277% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-09
Financial
Highest result since 2018net €67k ▲320%
Operating result €93k, net result €67k, both a record.
30-09
Financial
Equity above €200kEq €208k ▲47.7%
5 profitable years in a row build equity to €208k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €125k ▲26.4%
3 profitable years in a row build equity to €125k.
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €41k
Net result €41k after one loss-making year.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 4.14
Current ratio from 1.73 to 4.14; short-term debt falls from €64k to €11k.
Show earlier events
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
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 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Sint-Niklaas · 1 establishment unit since 2008
Ground area
117 m²
Building footprint
117 m²
Volume, LiDAR
1,443 m³
Parcel 46447B0465/00F007, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IMMO-SERVICE
since 20082.173.845.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46447B0465/00F007 | Flanders | 117 m² | 1 · 117 m² | 14.8 m · 4 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.
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Of 11,756 companies in sector 68310 we hold annual accounts for 6,904. 5,159 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-2008
Fiscal year end30-09
Activities, NACEBEL 2025
68310Real estate agency activities
Scores and ratios are computed by Checked and are not a credit decision.