IMMO TEAM HB
ActiveIMMO TEAM HB has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €5k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 35% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+44
Solvency8▲+1
Growth85=
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.14 in 2024), and 87.3% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
12.7%
Return on assets
2.1%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
7 d early
2023
30 d late
2022
57 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€36k▼ 10.5%
2024 · €41k
2022: €13k
2023: €30k
2024: €41k
2022 → 2025
EBIT margin
30.3%▲ 16.2pp
2024 · 14.1%
2022: 17.8%
2023: 36.3%
2024: 14.1%
2022 → 2025
Net result
€5k▲ 985%
2024 · €435
2022: €-334
2023: €4k
2024: €435
2022 → 2025
Working capital
€-41k▼ 0.1%
2024 · €-41k
2022: €-23k
2023: €-36k
2024: €-41k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€13k-€30k▲ 129%€41k▲ 33.9%€36k▼ 10.5%
Equity€20k-€24k▲ 21.0%€24k▲ 1.8%€29k▲ 19.5%
Operating result€2k-€11k▲ 368%€6k▼ 48.0%€11k▲ 91.9%
Net result€-334-€4k€435▼ 89.5%€5k▲ 985%
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 92% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€226k▼ 5.5%
Current assets
€2k▼ 62.2%
Equity and liabilities €228k
Equity
€29k▲ 19.5%
Debt
€199k▼ 9.9%
The debt ratio falls from 90.1% to 87.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▲
2024 · €19k
Cash flow
€18k▲
2024 · €14k
Solvency
12.7%▲
2024 · 9.9%
Current ratio
0.06▼
2024 · 0.14
Quick ratio
0.06▼
2024 · 0.14
Debt / equity
6.88▼
2024 · 9.13
ROE
16.3%▲
2024 · 1.8%
ROA
2.1%▲
2024 · 0.2%
Interest coverage
5.29▲
2024 · 3.69
Debt
€199k▼
2024 · €221k
Debt ≤ 1 year
€44k▼
2024 · €48k
Debt > 1 year
€155k▼
2024 · €173k
Income taxes
€2k▲
2024 · €164
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€245k€228k▼
Fixed assets21/28€239k€226k▼
Tangible fixed assets22/27€239k€226k▼
Land and buildings22€239k€226k▼
Current assets29/58€7k€2k▼
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€395-
Equity and liabilities
Total equity and liabilities10/49€245k€228k▼
Equity10/15€24k€29k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€4k€9k▲
Amounts payable17/49€221k€199k▼
Amounts payable after more than one year17€173k€155k▼
Financial debts170/4€172k€153k▼
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€48k€44k▼
Current portion of amounts payable after more than one year42€18k€18k▲
Trade debts44€15k€16k▲
Suppliers440/4€15k€16k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€13k€7k▼
Accrued charges and deferred income492/3-€388
Income statement
Code20242025
Turnover70€41k€36k▼
Goods, raw materials, services and sundry goods60/61€16k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k=
Other operating charges640/8€5k€4k▼
Gross operating margin9900€24k€28k▲
Operating profit (loss)9901€6k€11k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€599€6k▲
Income taxes67/77€164€2k▲
Profit (loss) for the period9904€435€5k▲
Profit (loss) for the period to be appropriated9905€435€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€9k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
The notes to these accounts (7 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €5k ▲985%
Net result €5k, the highest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Fleurus
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.
Rue du Longpré(SA) 666221 FleurusGround area
2,119 m²
Building footprint
48 m²
Volume, LiDAR
347 m³
Parcel 52062D0330/00B000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52062D0330/00B000 | Wallonia | 2,119 m² | 1 · 48 m² | 8.5 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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ADEMAAR
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ELTI MANAGEMENT
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IMMO DELMEE
BE 0473.347.825
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PRIVATE REAL ESTATE MANAGEMENT & SYNDIC
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MONSIEUR RENE
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Oupeye · Eq €29k
Of 7,287 companies in sector 68110 we hold annual accounts for 5,353. 2,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2022
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.