IMMO STELESO
ActiveIMMO STELESO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €704k and a net result of €59k. Equity is growing by ~14.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 9167 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-12
Solvency51▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.13 in 2024; short-term debt: 20.9% and cash: 0.6% of total assets), and 74.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 68
lower
← 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
25.7%
Return on assets
2.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
28 d late
2021
on the day
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€704k▲ 5.8%
2024 · €665k
2019: €334k
2020: €344k
2021: €366k
2022: €423k
2023: €484k
2024: €665k
2019 → 2025
Total assets
€2.74M▲ 0.7%
2024 · €2.72M
2019: €1.77M
2020: €1.69M
2021: €1.77M
2022: €2.18M
2023: €2.72M
2024: €2.72M
2019 → 2025
Net result
€59k▼ 67.6%
2024 · €181k
2019: €42k
2020: €30k
2021: €39k
2022: €82k
2023: €61k
2024: €181k
2019 → 2025
Working capital
€-521k▼ 15.6%
2024 · €-451k
2019: €-959k
2020: €-531k
2021: €-526k
2022: €-408k
2023: €-665k
2024: €-451k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€366k-€423k▲ 15.4%€484k▲ 14.4%€665k▲ 37.4%€704k▲ 5.8%
Operating result€62k-€127k▲ 103%€112k▼ 11.9%€292k▲ 161%€114k▼ 60.9%
Net result€39k-€82k▲ 112%€61k▼ 25.2%€181k▲ 197%€59k▼ 67.6%
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 falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.74M
Fixed assets
€2.69M▲ 1.3%
Current assets
€51k▼ 23.6%
Equity and liabilities €2.74M
Equity
€704k▲ 5.8%
Provisions
€85k▼ 4.5%
Debt
€1.95M▼ 0.9%
The debt ratio falls from 72.3% to 71.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€231k▼
2024 · €422k
Cash flow
€176k▼
2024 · €311k
Solvency
25.7%▲
2024 · 24.4%
Current ratio
0.09▼
2024 · 0.13
Quick ratio
0.09▼
2024 · 0.13
Debt / equity
2.78▼
2024 · 2.96
ROE
8.3%▼
2024 · 27.2%
ROA
2.1%▼
2024 · 6.7%
Interest coverage
5.19▼
2024 · 8.57
Debt
€1.95M▼
2024 · €1.97M
Debt ≤ 1 year
€572k▲
2024 · €518k
Debt > 1 year
€1.37M▼
2024 · €1.44M
Income taxes
€16k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€2.72M€2.74M▲
Fixed assets21/28€2.66M€2.69M▲
Tangible fixed assets22/27€2.66M€2.69M▲
Land and buildings22€2.51M€2.45M▼
Plant, machinery and equipment23€59k€46k▼
Furniture and vehicles24€36k€143k▲
Other tangible fixed assets26€55k€55k=
Current assets29/58€67k€51k▼
Amounts receivable within one year40/41€3k€26k▲
Trade receivables40-€10k
Other amounts receivable41€3k€16k▲
Cash at bank and in hand54/58€63k€17k▼
Deferred charges and accrued income490/1€800€8k▲
Equity and liabilities
Total equity and liabilities10/49€2.72M€2.74M▲
Equity10/15€665k€704k▲
Contributions10/11€209k€209k=
Capital10€209k€209k=
Issued capital100€209k€209k=
Reserves13€456k€495k▲
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€266k€254k▼
Distributable reserves133€170k€220k▲
Provisions and deferred taxes16€89k€85k▼
Deferred taxes168€89k€85k▼
Amounts payable17/49€1.97M€1.95M▼
Amounts payable after more than one year17€1.44M€1.37M▼
Financial debts170/4€1.03M€961k▼
Other amounts payable178/9€405k€405k=
Amounts payable within one year42/48€518k€572k▲
Current portion of amounts payable after more than one year42€92k€99k▲
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45-€350
Taxes450/3-€350
Other amounts payable47/48€422k€462k▲
Accrued charges and deferred income492/3€17k€15k▼
Income statement
Code20242025
Non-recurring operating income76A€266k€519▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€117k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€3k
Gross operating margin9900€424k€235k▼
Operating profit (loss)9901€292k€114k▼
Financial income75/76B€731€1k▲
Recurring financial income75€731€1k▲
Financial charges65/66B€49k€45k▼
Recurring financial charges65€49k€45k▼
Profit (loss) for the period before taxes9903€243k€71k▼
Transfer from deferred taxes780€4k€4k▼
Transfer to deferred taxes680€67k-
Income taxes67/77-€16k
Profit (loss) for the period9904€181k€59k▼
Transfer from tax-exempt reserves789€13k€12k▼
Transfer to tax-exempt reserves689€200k-
Profit (loss) for the period to be appropriated9905€-6k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€71k▲
Transfer from equity791/2€6k-
Transfer to equity691/2-€51k
To other reserves6921-€51k
Profit to be distributed694/7-€20k
Directors or managers695-€20k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €181k ▲197%
Operating result €292k, net result €181k, both a record.
30-06
Financial
Equity above €500kEq €665k ▲37.4%
6 profitable years in a row build equity to €665k.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €30k ▼28.4%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 1 day late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-12
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.
Directors · office · real estate
Directors
7 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, Lanaken · 1 establishment unit since 2012
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.
Gauwakkerstraat 213621 LanakenGround area
1,845 m²
Building footprint
224 m²
Volume, LiDAR
1,359 m³
Parcel 73064B0286/00G004, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO STELESO
since 20122.211.233.972
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73064B0286/00G004 | Flanders | 1,844 m² | 1 · 224 m² | 9.6 m · 2 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.
Similar companies · same sector, comparable size
H.S. IMMO
BE 0664.836.812
Herk-de-Stad · Eq €704k
WHIMM
BE 0898.957.297
Villers-le-Bouillet · Eq €704k
GARAGE FRANCE NORD
BE 0435.895.828
Gembloux · Eq €704k
DE WARANDE
BE 0438.238.278
Sint-Laureins · Eq €704k
VANHOVE INVEST
BE 0450.480.173
Diksmuide · Eq €703k
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,989 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded10-11-1999
Fiscal year end30-06
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
68110Buying and selling of own real estate
68121Development of residential building projects
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.