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IMMO SERVIDIO

Active
Private limited companyfounded 20242 yrs activeRue Arnold Lanciers(SA) 28, 6221 Fleurus, BelgiumKBO/BCE: BE 1012.032.573
Summary

The computed 12-month bankruptcy probability of IMMO SERVIDIO is 2.8% (moderate). The 2025 annual accounts show equity of €127,070 and a net result of €10,104. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability77▼-3
Solvency100▲+8
Growth52
Track record82
Bankruptcy probability, 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8,000 at 30 days only on tighter terms
Liquidity ample (current ratio 2.76 against 1.34 in 2024; short-term debt: 16.1% and cash: 3.5% of total assets), and 16.1% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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
83.9%
Return on assets
6.7%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 22-07-2026, 9 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
9 d early
2024
on the day
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 5 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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.
Companies Code · seven months
Position in the running window
27-09-2026 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 30 July 2024, IMMO SERVIDIO was incorporated as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

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

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Financials · fiscal year 2025, micro schema

Equity
€127,070▲ 8.6%
2024 · €116,966
Total assets
€151,426▼ 13.6%
2024 · €175,250
Net result
€10,104▼ 34.7%
2024 · €15,476
Working capital
€42,963▲ 147%
2024 · €17,388
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result€25,149-€18,803▼ 25.2%
Net result€15,476-€10,104▼ 34.7%
Equity€116,966-€127,070▲ 8.6%
Total assets€175,250-€151,426▼ 13.6%
Debt€58,284-€24,356▼ 58.2%
Working capital€17,388-€42,963▲ 147%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€10,000€20,000€30,000Operating result 2024: €25,149€25,149Net result 2024: €15,476€15,476Operating result 2025: €18,803€18,803Net result 2025: €10,104€10,10420242025€0€10,000€20,000€30,000Operating result 2024: €25,149€25,100Net result 2024: €15,476€15,500Operating result 2025: €18,803€18,800Net result 2025: €10,104€10,10020242025
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €151,426
Fixed assets €84,107 ▼ 21.4%
Current assets €67,319 ▼ 1.4%
Equity and liabilities €151,426
Equity €127,070 ▲ 8.6%
Debt €24,356 ▼ 58.2%
Debt's share of the balance-sheet total falls from 33.3% to 16.1%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€41,642▼
2024 · €57,122
Cash flow
€32,944▼
2024 · €47,449
Current ratio
2.76▲
2024 · 1.34
Debt to equity
0.19▼
2024 · 0.50
ROE
8.0%▼
2024 · 13.2%
ROA
6.7%▼
2024 · 8.8%
Interest coverage
63.10▲
2024 · 45.85
Debt ≤ 1 year
€24,356▼
2024 · €50,916
Income taxes
€8,413▼
2024 · €8,575
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,275 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.6% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

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 39,275 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 · 40 lines
Balance sheet Code20242025
Assets
Total assets20/58€175,250€151,426▼
Fixed assets21/28€106,946€84,107▼
Tangible fixed assets22/27€106,946€84,107▼
Land and buildings22€70,925€67,149▼
Plant, machinery and equipment23€54-
Furniture and vehicles24€35,968€16,958▼
Current assets29/58€68,304€67,319▼
Amounts receivable within one year40/41€65,926€59,334▼
Trade receivables40€1,045-
Other amounts receivable41€64,881€59,334▼
Cash at bank and in hand54/58€2,377€5,291▲
Deferred charges and accrued income490/1-€2,693
Equity and liabilities
Total equity and liabilities10/49€175,250€151,426▼
Equity10/15€116,966€127,070▲
Contributions10/11€16,751€16,751=
Reserves13€100,215€110,319▲
Distributable reserves133€100,215€110,319▲
Amounts payable17/49€58,284€24,356▼
Amounts payable after more than one year17€7,368-
Financial debts170/4€7,368-
Amounts payable within one year42/48€50,916€24,356▼
Current portion of amounts payable after more than one year42€10,531€7,368▼
Taxes, remuneration and social security45€8,575€16,988▲
Taxes450/3€8,575€16,988▲
Other amounts payable47/48€31,809-
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31,973€22,840▼
Other operating charges640/8-€5,227
Gross operating margin9900€57,122€46,869▼
Operating profit (loss)9901€25,149€18,803▼
Financial income75/76B€148€374▲
Recurring financial income75€148€374▲
Financial charges65/66B€1,246€660▼
Recurring financial charges65€1,246€660▼
Profit (loss) for the period before taxes9903€24,051€18,517▼
Income taxes67/77€8,575€8,413▼
Profit (loss) for the period9904€15,476€10,104▼
Profit (loss) for the period to be appropriated9905€15,476€10,104▼
Appropriation of the result
Profit (loss) to be appropriated9906€15,476€10,104▼
Transfer to equity691/2€15,476€10,104▼
To other reserves6921€15,476€10,104▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31,973€22,840▼ 28.6%
Other operating charges640/8-€5,227-
Gross operating margin9900€57,122€46,869▼ 17.9%
Operating profit (loss)9901€25,149€18,803▼ 25.2%
Financial income75/76B€148€374▲ 153%
Recurring financial income75€148€374▲ 153%
Financial charges65/66B€1,246€660▼ 47.0%
Recurring financial charges65€1,246€660▼ 47.0%
Profit (loss) for the period before taxes9903€24,051€18,517▼ 23.0%
Income taxes67/77€8,575€8,413▼ 1.9%
Profit (loss) for the period9904€15,476€10,104▼ 34.7%
Profit (loss) for the period to be appropriated9905€15,476€10,104▼ 34.7%
Line20242025Change
Assets
Total assets20/58€175,250€151,426▼ 13.6%
Fixed assets21/28€106,946€84,107▼ 21.4%
Tangible fixed assets22/27€106,946€84,107▼ 21.4%
Land and buildings22€70,925€67,149▼ 5.3%
Plant, machinery and equipment23€54--
Furniture and vehicles24€35,968€16,958▼ 52.9%
Current assets29/58€68,304€67,319▼ 1.4%
Amounts receivable within one year40/41€65,926€59,334▼ 10.0%
Trade receivables40€1,045--
Other amounts receivable41€64,881€59,334▼ 8.5%
Cash at bank and in hand54/58€2,377€5,291▲ 123%
Deferred charges and accrued income490/1-€2,693-
Equity and liabilities
Total equity and liabilities10/49€175,250€151,426▼ 13.6%
Equity10/15€116,966€127,070▲ 8.6%
Contributions10/11€16,751€16,751=
Reserves13€100,215€110,319▲ 10.1%
Distributable reserves133€100,215€110,319▲ 10.1%
Amounts payable17/49€58,284€24,356▼ 58.2%
Amounts payable after more than one year17€7,368--
Financial debts170/4€7,368--
Amounts payable within one year42/48€50,916€24,356▼ 52.2%
Current portion of amounts payable after more than one year42€10,531€7,368▼ 30.0%
Taxes, remuneration and social security45€8,575€16,988▲ 98.1%
Taxes450/3€8,575€16,988▲ 98.1%
Other amounts payable47/48€31,809--
Line20242025Change
Profit (loss) for the period9904€15,476€10,104▼ 34.7%
+ Depreciation and write-downs630€31,973€22,840▼ 28.6%
Operating cash flow (approximation)€47,449€32,944▼ 30.6%
Investment in fixed assets (approximation)-€0-
Change in cash-€2,914-

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
22-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Liquidity doublescurrent ratio 2.76
Current ratio from 1.34 to 2.76; short-term debt falls from €50,916 to €24,356.
31-07
NBB filing Annual accounts filed
fiscal year 2024 · micro 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, Fleurus · 1 establishment unit since 2024
seat establishment The establishment unit on the map
Ground area
1,461 m²
Building footprint
217 m²
Volume, LiDAR
1,524 m³
Parcel 52062C0046/00C000, Wallonia · tallest building 10.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO SERVIDIO
Rue Arnold Lanciers(SA) 28, 6221 FleurusReal estate activities
since 20242.363.992.542
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
52062C0046/00C000 Wallonia 1,461 m² 1 · 217 m² 10.1 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded30-07-2024
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

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