IMMO@T HOME

Active

Private limited companyfounded 2005active for 21 yearsMenenstraat 31, 8940 Wervik, BelgiumKBO/BCE: BE 0870.998.434

Summary

IMMO@T HOME has been active since 2005 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.3m and a net result of €976,908. Equity is shrinking by about 7.6% per year across the filed financial years. Its solvency ranks better than 74% of 9,771 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

IMMO@T HOMEActiveChecked score 95/100

Risk analysis Report Compare

Activity

Agents specialised in the wholesale of other particular products

NACE 46180Real estate agency activities NACE 68310

7th largest company by equity in Wervik, Wholesale and retail trade sector3 sites

Size

€4.8mtotal assets 2025

Staff: 2.8 FTE
Equity: €3.3m
Profit: €976,908

Turnover not published (abbreviated format)

Financial health

95 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Structure

Parent: @T HOME INVEST · 95%

@T HOME INVESTDirector
LOONTJENS Bram Marc NikoDirector

2025 accounts 4 days early1 of 2 deeds summarised

Why 95raises risk1 of the last 3 latelowers riskSize: 2.8 FTE, total assets €4.8mFounded in 2005Equity €3.3m (67.7% of total assets)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 58% of its sector peers (NACE 46, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 93-3

equity 67.7% of total assets

Liquidity 46-22

short-term debt 32.3% · cash 7.9%

Profitability 94+4

return on assets 20.3%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,882 companies, NACE 46, micro)

Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.3%● unchanged vs 01-2025 03-2025: 0.3%● unchanged vs 02-2025 04-2025: 0.4%▲ +0.1 percentage points vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.5%▲ +0.1 percentage points vs 05-2025 07-2025: 0.6%▲ +0.1 percentage points vs 06-2025 08-2025: 0.8%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 0.1%▼ -0.7 percentage points vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: < 0.1%▼ -0.1 percentage points vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit of up to €310,000 on 30-day terms is acceptable

Liquidity ample (current ratio 3.06, compared with 3.41 in 2024, above the usual 1.5; short-term debt: 32.3% and cash: 7.9% of total assets), and 32.3% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 73% on solvency, 45% on liquidity, 87% on profitability and 27% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Size: 2.8 FTE, total assets €4.8m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Founded in 2005

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

1 of the last 3 late

NBB · filings

Equity €3.3m (67.7% of total assets)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

4 days early

2024

28 days late

2023

110 days late

2022

30 days late

2021

30 days early

2020

8 days early

2019

42 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 24 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 August (4 of the last 5 filed years within 58 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-07-2026 Annual accounts filedfinancial year 2025 · abbreviated…
28-08-2025 Annual accounts filedfinancial year 2024 · abbreviated…
18-11-2024 Annual accounts filedfinancial year 2023 · abbreviated…

Key points

Positive: Among the best 5% on net resultsector median €26,870 · 9,750 companies €976,908 View
Positive: 8 profitable years in a rowprofit 2025: €976,908 8 years View
Controlled by @T HOME INVEST 95% View

By topic

Financials

Financial year: 2025
Total assets: €4.8m
Profit: €976,908
Solvency: 67.7%

Total assets▼ 4.5%

Net result

20182025

Go to Financials

Board & ownership

Board: 2 members
Parent: @T HOME INVEST · 95%

@T HOME INVESTDirector
LOONTJENS Bram Marc NikoDirector

Go to Board & ownership

Timeline

Events: 24
Since: 2006
Next accounts: by 31-07-2027

19-12-2023Appointments: LOONTJENS Bram Marc Niko (director) and…
30-08-2023Annual accounts filed
31-12-2022Weakest financial year

Go to Timeline

Company details

Sites: 3

Legal form: Private limited company
Activity: Agents specialised in the wholesale of other particular…NACE 46180
Founded: 05-01-2005
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 47

Who signs: Each director alone
Annual meeting: Third Saturday of June at 14:00
Purpose: “Activiteiten van bemiddelaar met het oog op de verkoop,aankoop,ruil,verhuring of afstand…” (deed in Dutch)

Go to Articles of association

Key facts about IMMO@T HOME

What is the company number of IMMO@T HOME?: 0870.998.434. In Belgium the VAT number is the company number with BE in front: BE 0870.998.434.
Where is IMMO@T HOME based?: The registered office is at Menenstraat 31, 8940 Wervik.Company details
What does IMMO@T HOME do?: According to the KBO register, the main activity is agents specialised in the wholesale of other particular products (NACE 46180).
What is the legal form of IMMO@T HOME?: Private limited company (BV).
When was IMMO@T HOME founded?: On 05-01-2005.
Is IMMO@T HOME still active?: Yes, IMMO@T HOME is an active enterprise in the KBO register.
How many employees does IMMO@T HOME have?: On average 2.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of IMMO@T HOME?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is IMMO@T HOME profitable?: In financial year 2025, IMMO@T HOME made a profit of €976,908.
Where can I find the annual accounts of IMMO@T HOME?: IMMO@T HOME filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IMMO@T HOME due?: By 31-07-2027, for financial year 2026.Timeline