Immo Sterckx is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €194k and a net result of €33k. Equity is growing by ~40.9% per year across the filed fiscal years. Its solvency ranks better than 52% of 7980 sector peers (fiscal year 2025). The company has been active since 2015 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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
12 d late
2024
50 d early
2023
55 d early
2022
66 d early
2021
48 d early
2020
50 d early
2019
63 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€194k▲ 20.3%
2024 · €161k
2018: €44k
2019: €41k
2020: €14k
2021: €60k
2022: €95k
2023: €130k
2024: €161k
2018 → 2025
Net result
€33k▲ 4.0%
2024 · €31k
2018: €-2k
2019: €-3k
2020: €-26k
2021: €46k
2022: €35k
2023: €35k
2024: €31k
2018 → 2025
Total assets
€361k▼ 11.3%
2024 · €407k
2018: €45k
2019: €41k
2020: €237k
2021: €257k
2022: €259k
2023: €375k
2024: €407k
2018 → 2025
Solvency
53.6%▲ 14.1pp
2024 · 39.6%
2018: 98.5%
2019: 99.0%
2020: 6.1%
2021: 23.4%
2022: 36.6%
2023: 34.5%
2024: 39.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€95k▲ 57.4%€130k▲ 36.6%€161k▲ 24.2%€194k▲ 20.3%
Operating result€55k-€56k▲ 1.8%€54k▼ 2.3%€54k▼ 1.0%€54k▲ 0.5%
Net result€46k-€35k▼ 24.4%€35k▲ 0.4%€31k▼ 9.6%€33k▲ 4.0%
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 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€288k▼ 7.7%
Current assets
€73k▼ 23.0%
Equity and liabilities €361k
Equity
€194k▲ 20.3%
Debt
€167k▼ 31.9%
The debt ratio falls from 60.4% to 46.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
53.6%▲
2024 · 39.6%
ROE
16.9%▼
2024 · 19.5%
ROA
9.1%▲
2024 · 7.7%
Debt
€167k▼
2024 · €246k
Debt ≤ 1 year
€161k▲
2024 · €158k
Debt > 1 year
€0▼
2024 · €80k
Income taxes
€15k▲
2024 · €15k
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€407k€361k▼
Fixed assets21/28€312k€288k▼
Tangible fixed assets22/27€312k€288k▼
Land and buildings22€312k€288k▼
Current assets29/58€95k€73k▼
Amounts receivable within one year40/41€354€0▼
Other amounts receivable41€354€0▼
Cash at bank and in hand54/58€94k€73k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€407k€361k▼
Equity10/15€161k€194k▲
Contributions10/11€50k€50k=
Reserves13€111k€144k▲
Distributable reserves133€111k€144k▲
Amounts payable17/49€246k€167k▼
Amounts payable after more than one year17€80k€0▼
Financial debts170/4€80k€0▼
Amounts payable within one year42/48€158k€161k▲
Current portion of amounts payable after more than one year42€40k€40k=
Trade debts44€98€862▲
Suppliers440/4€98€862▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€115k€117k▲
Accrued charges and deferred income492/3€8k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k=
Other operating charges640/8€569€598▲
Gross operating margin9900€78k€79k▲
Operating profit (loss)9901€54k€54k▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€46k€48k▲
Income taxes67/77€15k€15k▲
Profit (loss) for the period9904€31k€33k▲
Profit (loss) for the period to be appropriated9905€31k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€33k▲
Transfer to equity691/2€31k€33k▲
To other reserves6921€31k€33k▲
The notes to these accounts (6 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €161k ▲24.2%
4 profitable years in a row build equity to €161k.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €130k ▲36.6%
3 profitable years in a row build equity to €130k.
26-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €46k
Net result €46k after 3 loss-making years.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-07
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
2 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, Herselt · 1 establishment unit since 2015
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.
Westerlosesteenweg 1952230 HerseltGround area
4,106 m²
Building footprint
304 m²
Volume, LiDAR
1,911 m³
Parcel 13013A0401/00C002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Immo Sterckx
since 20152.240.205.201
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13013A0401/00C002 | Flanders | 4,106 m² | 1 · 304 m² | 8.3 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,496 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.