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IMMO TERRIL

Active
Private limited companyfounded 20197 years 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 11,011 sector peers (NACE 68, fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Buying and selling of own real estate
NACE 68110
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 probability, 12 months
0.2%
Structure
Parent
Navarra BV
Accounts 24 days 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%
Financially better than 31% of its sector peers (NACE 68, micro)
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%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024lowest value 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.2%● unchanged vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.3%▲ +0.1 percentage points vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026highest value 08-2026: 0.2%▼ -0.1 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
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 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 68, micro): better than 30% on solvency, 36% on liquidity, 26% on profitability and 31% on growth.

The bankruptcy probability was computed on 06-10-2026 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

Six signals.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €1.7m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
KBO
raises risk · Equity €155,800 (9.1% of total assets)
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 07-07-2026)
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 days early
2024
50 days early
2023
57 days early
2022
62 days early
2021
30 days early
2020
31 days 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
07-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Checked from 2021 on.
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. 04-06-2024Annual accounts filed
  2. 31-12-2023Equity above €200,000
  3. 30-05-2023Annual accounts filed
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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