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IMMO TERRIL

Active
Private limited companyfounded 20197 yrs activeBieststraat 18, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0729.780.785
Summary

IMMO TERRIL has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155,800 and a net result of -€12,190. Equity is growing by ~31.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 11006 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
IMMO TERRILActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Buying and selling of own real estate
NACE 68110NACE 68100
1 site
Size
€1.7mtotal assets 2025
Equity
€155,800
Loss
-€12,190
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Parent
Navarra BV
Accounts 24 d early0 of 5 deeds read
Why 87- Equity €155,800 (9.1% of total assets)+ Size: total assets €1.7m+ Sector Real estate activities (NACE 68)+ Figures for FY 2025 (filed 07-07-2026)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 31% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 34-1
equity 9.1% of total assets
Liquidity 42-12
short-term debt 28.3% · cash 2.9%
Profitability 30+13
return on assets -0.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,529 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -0.6% vs 12-2024lowest value 02-2025: 0.2%▲ +3.8% vs 01-2025 03-2025: 0.2%▼ -1.8% vs 02-2025 04-2025: 0.2%▲ +9.9% vs 03-2025 05-2025: 0.2%▲ +6.8% vs 04-2025 06-2025: 0.2%▲ +3.7% vs 05-2025 07-2025: 0.2%▼ -3.6% vs 06-2025 08-2025: 0.2%● 0.0% vs 07-2025 09-2025: 0.2%▲ +3.7% vs 08-2025 10-2025: 0.2%▼ -4.1% vs 09-2025 11-2025: 0.2%▼ -2.7% vs 10-2025 12-2025: 0.2%▼ -0.5% vs 11-2025 01-2026: 0.2%▼ -1.1% vs 12-2025 02-2026: 0.2%▲ +2.2% vs 01-2026 03-2026: 0.2%▲ +1.1% vs 02-2026 04-2026: 0.2%▲ +4.8% vs 03-2026 05-2026: 0.2%▲ +15.9% vs 04-2026 06-2026: 0.3%▲ +10.6% vs 05-2026 07-2026: 0.3%▲ +17.2% vs 06-2026highest value 08-2026: 0.2%▼ -37.5% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • Size: total assets €1.7m lowers the probability for this profile
  • Sector Real estate activities (NACE 68) lowers the probability
  • Equity €155,800 (9.1% of total assets) raises the probability
  • Figures for FY 2025 (filed 07-07-2026) lowers the probability
Credit up to €13,000 at 30 days acceptable
Liquidity short (current ratio 0.13 against 0.38 in 2024; short-term debt: 28.3% and cash: 2.9% of total assets), and 90.9% 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 68, micro). Better than this share of them on solvency 30%, liquidity 36%, profitability 26%, growth against the median 31%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.7m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Equity €155,800 (9.1% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 07-07-2026)
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
202122232425
2020 to 2025 · latest year -€12,190
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
24 d early
2024
50 d early
2023
57 d early
2022
62 d early
2021
30 d early
2020
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 11 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 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 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Weakest financial yearnet -€35,161

Key points

  • Risk: 6 loss-making years in a rowloss fiscal year 2025 -€12,190 View
  • Controlled by Navarra BVultimately: Sterci BV parent View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.7m
Loss
-€12,190
Solvency
9.1%
Total assets▲ 0.7%
Net result
20202025
Go to Financials

Timeline

Events
8
Since
2021
Next accounts
by 31-07-2027
  1. 07-07-2026Annual accounts filed
  2. 11-06-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Buying and selling of own real estateNACE 68110
Founded
04-07-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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