Immo Spintay

Active

Private limited companyfounded 20242 yrs activeRue Branche Planchard 88, 4430 Ans, BelgiumKBO/BCE: BE 1012.461.551

Summary

The computed 12-month bankruptcy probability of Immo Spintay is 3.2% (moderate). The 2025 annual accounts show equity of €2,530 and a net result of €30. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch Report Compare

Immo SpintayActiveChecked score 49/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€12,694total assets 2025

Equity: €2,530
Profit: €30

Turnover not published (abridged schema)

Financial health

49 Fair Checked score 2025

Bankruptcy chance 12 m: 3.2%

Structure

Accounts filed 17 d late0 of 1 deed read

Why 49- Founded in 2024- No main activity registered+ Size: total assets €12,694+ Figures for FY 2025 (filed 17-08-2026)Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 23% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Weak

Solvency 45

equity 19.9% of total assets

Liquidity 14

short-term debt 80.1% · cash 6.0%

Profitability 38

return on assets 0.2%

Bankruptcy probability, 12 months

3.2% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 18 months 09-2025: 2.4%lowest value 10-2025: 2.4%▲ +2.6% vs 09-2025 11-2025: 2.5%▲ +2.0% vs 10-2025 12-2025: 3.0%▲ +21.6% vs 11-2025 01-2026: 3.1%▲ +0.7% vs 12-2025 02-2026: 3.3%▲ +9.5% vs 01-2026 03-2026: 3.6%▲ +6.2% vs 02-2026 04-2026: 3.6%● 0.0% vs 03-2026 05-2026: 3.5%▼ -2.6% vs 04-2026 06-2026: 3.4%▼ -1.1% vs 05-2026 07-2026: 3.8%▲ +12.2% vs 06-2026highest value 08-2026: 3.8%▼ -0.4% vs 07-2026 09-2026: 3.2%▼ -17.1% vs 08-2026 10-2026: 3.2%● 0.0% vs 09-2026

Founded in 2024 raises the probability for this profile
No main activity registered raises the probability
Size: total assets €12,694 lowers the probability for this profile
Figures for FY 2025 (filed 17-08-2026) lowers the probability

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 (no NACE code, micro). Better than this share of them on solvency 28%, liquidity 10%, profitability 30%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2024

In the bankruptcy model this factor raises the probability for this profile.

KBO

No main activity registered

In the bankruptcy model this factor raises the probability.

KBO

Size: total assets €12,694

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Figures for FY 2025 (filed 17-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 1 filing

Deviation from the deadline

2025

17 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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