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IMMO TECHNO

Active
Private limited company (pre-2019)founded 200421 yrs activeLeuvensesteenweg 931, 1140 Evere, BelgiumKBO/BCE: BE 0869.995.572

The file of IMMO TECHNO contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.

Summary

The computed 12-month bankruptcy probability is 0.4% (very low). The 2025 annual accounts show equity of €37,489 and a net result of -€2,689. Equity is shrinking by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 21069 sector peers (fiscal year 2025).

Risk analysisWatch ReportCompare
IMMO TECHNOActiveChecked score 84/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of souvenirs and religious articles
NACE 47784NACE 47786NACE 52497
1 site
Size
€39,204total assets 2025
Equity
€37,489
Loss
-€2,689
Turnover not published (abridged schema)
Financial health
84 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts filed 31 d late0 of 1 deed read
Why 84- Size: total assets €39,204+ Founded in 2004+ Liquidity: current ratio 22.83, cash €7,371+ Equity €37,489 (95.6% of total assets)Show the evidence

Checked score

Score 2025
84 / 100
Excellent
Probability in this band: under 0.55%
Better than 55% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+20
equity 95.6% of total assets
Liquidity 74+44
short-term debt 4.4% · cash 18.8%
Profitability 20+1
return on assets -6.9%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: 0.6% 12-2024: 0.6%● 0.0% vs 11-2024 03-2025: 0.6% 04-2025: 0.6%▼ -1.0% vs 03-2025 05-2025: 0.6%● 0.0% vs 04-2025 06-2025: 0.6%● 0.0% vs 05-2025 07-2025: 0.6%▲ +3.7% vs 06-2025 08-2025: 0.6%▼ -2.4% vs 07-2025 09-2025: 0.6%▼ -2.4% vs 08-2025 10-2025: 0.7%▲ +28.8% vs 09-2025 11-2025: 1.2%▲ +59.5% vs 10-2025 12-2025: 1.3%▲ +13.2% vs 11-2025highest value 01-2026: 0.4%▼ -72.4% vs 12-2025 02-2026: 0.4%● 0.0% vs 01-2026 03-2026: 0.4%● 0.0% vs 02-2026 04-2026: 0.4%▼ -1.6% vs 03-2026 05-2026: 0.4%● 0.0% vs 04-2026 06-2026: 0.4%▲ +1.1% vs 05-2026 07-2026: 0.4%▲ +0.3% vs 06-2026 08-2026: 0.4%▼ -1.7% vs 07-2026lowest value 09-2026: 0.4%▲ +0.8% vs 08-2026 10-2026: 0.4%▲ +17.5% vs 09-2026
  • Founded in 2004 lowers the probability for this profile
  • Liquidity: current ratio 22.83, cash €7,371 lowers the probability
  • Size: total assets €39,204 raises the probability for this profile
  • Equity €37,489 (95.6% of total assets) lowers the probability
Credit up to €3,000 at 30 days only on tighter terms
Liquidity ample (current ratio 22.83 against 2.23 in 2024; short-term debt: 4.4% and cash: 18.8% of total assets), and 4.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 79%, profitability 22%, growth against the median 29%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Founded in 2004
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Liquidity: current ratio 22.83, cash €7,371
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: total assets €39,204
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Equity €37,489 (95.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€2,689
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian State Gazette, no current open procedure.
Belgian State Gazette
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-12-2025, 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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
2 d early
2023
30 d late
2022
6 d early
2021
2 d late
2020
51 d early
2019
42 d early
← 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 5 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 2 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity times 10current ratio 22.83
  3. Bankruptcy reversalTribunal de l’entreprise francophone de…

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€2,689 View
  • Positive: Among the best 5% on solvencysector median 34.1% · 21,069 companies 95.6% View
  • Total assets 20256 fiscal years filed €39,204 View

By topic

Financials

Fiscal year
2025
Total assets
€39,204
Loss
-€2,689
Solvency
95.6%
Total assets▼ 46.1%
Net result
20192025
Go to Financials

Timeline

Events
15
Since
2016
Next accounts
by 31-10-2026
  1. 01-12-2025Annual accounts filed
  2. 31-03-2025Liquidity times 10
  3. 13-02-2025Bankruptcy reversal
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Retail sale of souvenirs and religious articlesNACE 47784
Founded
16-11-2004
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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