IMMO T
ActiveIMMO T has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.91M and a net result of €448k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▼-1
Solvency90▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity ample (current ratio 6.32 against 6.92 in 2024; short-term debt: 9.9% and cash: 38% of total assets), and 34.6% 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+raises 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 · 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
65.4%
Return on assets
15.3%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
30 d late
2023
28 d late
2022
26 d early
2021
27 d early
2020
27 d late
2019
9 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.91M▲ 11.1%
2024 · €1.72M
2018: €234k
2019: €491k
2020: €705k
2021: €1.00M
2022: €1.22M
2023: €1.49M
2024: €1.72M
2018 → 2025
Total assets
€2.93M▲ 2.0%
2024 · €2.87M
2018: €759k
2019: €1.33M
2020: €1.58M
2021: €1.85M
2022: €2.49M
2023: €2.97M
2024: €2.87M
2018 → 2025
Net result
€448k▼ 3.6%
2024 · €465k
2018: €214k
2019: €257k
2020: €214k
2021: €299k
2022: €214k
2023: €274k
2024: €465k
2018 → 2025
Working capital
€1.54M▲ 18.3%
2024 · €1.30M
2018: €191k
2019: €412k
2020: €718k
2021: €680k
2022: €813k
2023: €1.35M
2024: €1.30M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.00M-€1.22M▲ 21.4%€1.49M▲ 22.5%€1.72M▲ 15.5%€1.91M▲ 11.1%
Operating result€449k-€333k▼ 25.7%€427k▲ 28.3%€703k▲ 64.4%€656k▼ 6.6%
Net result€299k-€214k▼ 28.3%€274k▲ 27.5%€465k▲ 69.9%€448k▼ 3.6%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.93M
Fixed assets
€1.10M▼ 18.6%
Current assets
€1.83M▲ 20.2%
Equity and liabilities €2.93M
Equity
€1.91M▲ 11.1%
Debt
€1.01M▼ 11.7%
The debt ratio falls from 39.9% to 34.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€738k▼
2024 · €806k
Cash flow
€530k▼
2024 · €568k
Solvency
65.4%▲
2024 · 60.1%
Current ratio
6.32▼
2024 · 6.92
Quick ratio
6.32▼
2024 · 6.92
Debt / equity
0.53▼
2024 · 0.66
ROE
23.4%▼
2024 · 27.0%
ROA
15.3%▼
2024 · 16.2%
Interest coverage
30.21▲
2024 · 20.21
Debt
€1.01M▼
2024 · €1.15M
Debt ≤ 1 year
€290k▲
2024 · €220k
Debt > 1 year
€714k▼
2024 · €915k
Income taxes
€213k▼
2024 · €223k
Staff costs
€167k▲
2024 · €163k
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€2.87M€2.93M▲
Fixed assets21/28€1.34M€1.10M▼
Tangible fixed assets22/27€1.34M€1.09M▼
Land and buildings22€1.27M€1.03M▼
Plant, machinery and equipment23€8k€17k▲
Furniture and vehicles24€43k€28k▼
Other tangible fixed assets26€18k€23k▲
Financial fixed assets28€1k€1k=
Current assets29/58€1.52M€1.83M▲
Amounts receivable within one year40/41€852k€704k▼
Trade receivables40€603k€97k▼
Other amounts receivable41€249k€608k▲
Current investments50/53€350k-
Cash at bank and in hand54/58€317k€1.11M▲
Deferred charges and accrued income490/1€4k€14k▲
Equity and liabilities
Total equity and liabilities10/49€2.87M€2.93M▲
Equity10/15€1.72M€1.91M▲
Reserves13€1.72M€1.91M▲
Distributable reserves133€1.72M€1.91M▲
Amounts payable17/49€1.15M€1.01M▼
Amounts payable after more than one year17€915k€714k▼
Financial debts170/4€915k€714k▼
Amounts payable within one year42/48€220k€290k▲
Current portion of amounts payable after more than one year42€78k€69k▼
Trade debts44€50k€117k▲
Suppliers440/4€50k€117k▲
Taxes, remuneration and social security45€67k€69k▲
Taxes450/3€49k€36k▼
Remuneration and social security454/9€17k€32k▲
Other amounts payable47/48€25k€34k▲
Accrued charges and deferred income492/3€10k€8k▼
Income statement
Code20242025
Non-recurring operating income76A-€72k
Remuneration, social security and pensions62€163k€167k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€82k▼
Other operating charges640/8€12k€11k▼
Gross operating margin9900€981k€916k▼
Operating profit (loss)9901€703k€656k▼
Financial income75/76B€24k€29k▲
Recurring financial income75€24k€29k▲
Financial charges65/66B€40k€24k▼
Recurring financial charges65€40k€24k▼
Profit (loss) for the period before taxes9903€687k€661k▼
Income taxes67/77€223k€213k▼
Profit (loss) for the period9904€465k€448k▼
Profit (loss) for the period to be appropriated9905€465k€448k▼
Appropriation of the result
Profit (loss) to be appropriated9906€465k€448k▼
Transfer from equity791/2€216k€257k▲
Transfer to equity691/2€465k€448k▼
To other reserves6921€465k€448k▼
Profit to be distributed694/7€216k€257k▲
Return on contributions (dividend)694€216k€257k▲
Social balance
Average headcount (FTE)90873.13.0▼
The notes to these accounts (14 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €465k ▲69.9%
Operating result €703k, net result €465k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.00M ▲42.4%
4 profitable years in a row build equity to €1.00M.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 8.58
Current ratio from 3.02 to 8.58; short-term debt falls from €204k to €95k.
31-12
Financial
Equity above €500kEq €705k ▲43.6%
3 profitable years in a row build equity to €705k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Merelbeke-Melle · 3 establishment units since 2014
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.
Oude Brusselse Weg 38A9090 Merelbeke-MelleGround area
2,190 m²
Building footprint
335 m²
Volume, LiDAR
1,401 m³
3 parcels, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
IMMO T
since 20142.236.205.732
IMMO T
since 20192.295.653.864
IMMO T
since 20232.338.957.733
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44402A0469/00N004 | Flanders | 1,062 m² | 1 · 112 m² | 10.8 m · 2 fl. |
| 44402A0151/00T002 | Flanders | 914 m² | 1 · 147 m² | 3.2 m |
| 44012B0574/00C002 | Flanders | 213 m² | 1 · 76 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 349 EUR awarded · 349 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 101 EUR | 101 EUR |
| 2023 | 1 | 194 EUR | 194 EUR |
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 2,834 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2014
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.