Immo Terroir
ActiveSummary
Immo Terroir has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €227k and a net result of €13k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 45% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-8
Solvency51▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.67 in 2024; short-term debt: 24.9% and cash: 2% of total assets), but 74.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
25.9%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
1 d early
2023
6 d early
2022
3 d early
2021
30 d late
2019
89 d late
2018
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€227k▲ 6.2%
2024 · €214k
2018: €151k
2019: €164k
2021: €293k
2022: €258k
2023: €179k
2024: €214k
2018 → 2025
Total assets
€879k▲ 3.3%
2024 · €852k
2018: €170k
2019: €185k
2021: €583k
2022: €906k
2023: €848k
2024: €852k
2018 → 2025
Net result
€13k▼ 62.0%
2024 · €35k
2018: €13k
2019: €13k
2021: €135k
2022: €-35k
2023: €-79k
2024: €35k
2018 → 2025
Working capital
€125k▼ 5.1%
2024 · €132k
2018: €13k
2019: €29k
2021: €368k
2022: €132k
2023: €73k
2024: €132k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€258k▼ 12.0%€179k▼ 30.6%€214k▲ 19.6%€227k▲ 6.2%
Operating result€228k-€-27k€-57k▼ 107%€66k€42k▼ 37.4%
Net result€135k-€-35k€-79k▼ 126%€35k€13k▼ 62.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €879k
Fixed assets
€535k ▲ 2.7%
Current assets
€344k ▲ 4.2%
Equity and liabilities €879k
Equity
€227k ▲ 6.2%
Provisions
€83k ▼ 1.7%
Debt
€569k ▲ 2.8%
Debt's share of the balance-sheet total falls from 65.0% to 64.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€63k▼
2024 · €87k
Cash flow
€34k▼
2024 · €56k
Current ratio
1.57▼
2024 · 1.67
Debt to equity
2.50▼
2024 · 2.59
ROE
5.9%▼
2024 · 16.4%
ROA
1.5%▼
2024 · 4.1%
Interest coverage
2.11▼
2024 · 2.66
Debt ≤ 1 year
€219k▲
2024 · €199k
Debt > 1 year
€350k=
2024 · €350k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€852k€879k▲
Fixed assets21/28€521k€535k▲
Tangible fixed assets22/27€521k€535k▲
Land and buildings22€520k€535k▲
Plant, machinery and equipment23€2k€425▼
Current assets29/58€331k€344k▲
Amounts receivable within one year40/41€309k€327k▲
Trade receivables40€118k€11k▼
Other amounts receivable41€191k€316k▲
Cash at bank and in hand54/58€22k€17k▼
Deferred charges and accrued income490/1€0€221▲
Equity and liabilities
Total equity and liabilities10/49€852k€879k▲
Equity10/15€214k€227k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€270k€266k▼
Non-distributable reserves130/1€5k€5k=
Legal reserve130€5k€5k=
Tax-exempt reserves132€252k€248k▼
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-118k€-101k▲
Provisions and deferred taxes16€84k€83k▼
Deferred taxes168€84k€83k▼
Amounts payable17/49€554k€569k▲
Amounts payable after more than one year17€350k€350k=
Financial debts170/4€350k€350k=
Amounts payable within one year42/48€199k€219k▲
Current portion of amounts payable after more than one year42€180k€180k=
Trade debts44€18k€39k▲
Suppliers440/4€18k€39k▲
Other amounts payable47/48€250€0▼
Accrued charges and deferred income492/3€5k€350▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€92k€66k▼
Operating profit (loss)9901€66k€42k▼
Financial charges65/66B€33k€30k▼
Recurring financial charges65€33k€30k▼
Profit (loss) for the period before taxes9903€34k€12k▼
Transfer from deferred taxes780€1k€1k=
Profit (loss) for the period9904€35k€13k▼
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€39k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-197k€-101k▲
Profit (loss) brought forward from the previous period14P€-236k€-118k▲
Transfer from equity791/2€78k€0▼
The notes to these accounts (10 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €35k
Net result €35k after 2 loss-making years.
30-09
Financial
Equity above €200kEq €214k ▲19.6%
Equity rises from €179k to €214k.
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-79k
Net result drops to €-79k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
30-09
Financial
Highest result since 2018net €135k ▲948%
Operating result €228k, net result €135k, both a record.
30-09
Financial
Liquidity times 7current ratio 17.80
Current ratio from 2.39 to 17.80.
30-09
Financial
Equity above €200kEq €293k ▲78.4%
3 profitable years in a row build equity to €293k.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
Show earlier events
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
29-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are 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, Antwerpen · 1 establishment unit since 2007
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.
Lambrechtshoekenlaan 122170 AntwerpenGround area
362 m²
Building footprint
359 m²
Volume, LiDAR
1,891 m³
Parcel 11422C0033/00C002, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMO TERROIR
since 20072.163.849.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0033/00C002 | Flanders | 362 m² | 1 · 359 m² | 9.6 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.
Similar companies · same sector, comparable size
Aelterman
BE 0446.570.974
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DL Construct
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DE GRAEVE TERREINEN
BE 0454.883.874
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Immo Baziel
BE 0634.679.710
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MEIRLAEN
BE 0725.969.477
Court-Saint-Etienne · Eq €227,703
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,868 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-07-2007
Fiscal year end30-09
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68121Development of residential building projects
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.