Immo-Transform
ActiveImmo-Transform has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €35k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▼-2
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 15.24 against 27.15 in 2024), and 6.6% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
93.4%
Return on assets
10.2%
Age of the figures
8 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
5 d late
2023
2 d early
2022
46 d early
2021
2 d late
2020
30 d early
2019
28 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▲ 8.4%
2024 · €293k
2018: €198k
2019: €213k
2020: €227k
2021: €231k
2022: €253k
2023: €270k
2024: €293k
2018 → 2025
Total assets
€340k▲ 11.7%
2024 · €304k
2018: €211k
2019: €225k
2020: €240k
2021: €256k
2022: €274k
2023: €281k
2024: €304k
2018 → 2025
Net result
€35k▲ 5.0%
2024 · €33k
2018: €16k
2019: €24k
2020: €24k
2021: €21k
2022: €33k
2023: €28k
2024: €33k
2018 → 2025
Working capital
€318k▲ 8.4%
2024 · €293k
2018: €197k
2019: €212k
2020: €225k
2021: €229k
2022: €253k
2023: €270k
2024: €293k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€253k▲ 9.2%€270k▲ 6.9%€293k▲ 8.5%€318k▲ 8.4%
Operating result€29k-€46k▲ 57.3%€41k▼ 12.1%€44k▲ 8.9%€42k▼ 5.6%
Net result€21k-€33k▲ 55.0%€28k▼ 13.2%€33k▲ 16.3%€35k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €340k
Equity
€318k▲ 8.4%
Debt
€22k▲ 99.1%
The debt ratio rises from 3.7% to 6.6%: debt grows faster than equity.
Key figures and ratios
Solvency
93.4%▼
2024 · 96.3%
Current ratio
15.24▼
2024 · 27.15
Quick ratio
15.24▼
2024 · 27.15
Debt / equity
0.07▲
2024 · 0.04
ROE
10.9%▼
2024 · 11.3%
ROA
10.2%▼
2024 · 10.8%
Debt
€22k▲
2024 · €11k
Debt ≤ 1 year
€22k▲
2024 · €11k
Income taxes
€16k▲
2024 · €15k
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€304k€340k▲
Current assets29/58€304k€340k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€948-
Other amounts receivable41€3k€3k▼
Current investments50/53€225k€250k▲
Cash at bank and in hand54/58€75k€87k▲
Equity and liabilities
Total equity and liabilities10/49€304k€340k▲
Equity10/15€293k€318k▲
Contributions10/11€19k€19k=
Reserves13€97k€131k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€904€904=
Distributable reserves133€94k€129k▲
Profit (loss) carried forward14€178k€168k▼
Amounts payable17/49€11k€22k▲
Amounts payable within one year42/48€11k€22k▲
Trade debts44€1k€710▼
Suppliers440/4€1k€710▼
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€3k€3k=
Remuneration and social security454/9-€5k
Other amounts payable47/48€7k€14k▲
Income statement
Code20242025
Other operating charges640/8€332€299▼
Gross operating margin9900€45k€42k▼
Operating profit (loss)9901€44k€42k▼
Financial income75/76B€4k€9k▲
Recurring financial income75€4k€9k▲
Financial charges65/66B€112€187▲
Recurring financial charges65€112€187▲
Profit (loss) for the period before taxes9903€48k€51k▲
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€33k€35k▲
Profit (loss) for the period to be appropriated9905€33k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€212k▼
Profit (loss) brought forward from the previous period14P€188k€178k▼
Transfer to equity691/2€33k€35k▲
To other reserves6921€33k€35k▲
Profit to be distributed694/7€10k€10k=
Return on contributions (dividend)694€10k€10k=
The notes to these accounts (4 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €35k ▲5%
Net result €35k, the highest in the series.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €213k ▲7.6%
2 profitable years in a row build equity to €213k.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
LAGOUGE Bernard
CurrentDirector · since 09-05-2023
LAGOUGE Jacques
CurrentDirector · since 09-05-2023
09-05-2023
LAGOUGE Bernard: Appointed as Director
09-05-2023
LAGOUGE Jacques: Appointed as Director
Location & real-estate footprint
Registered office, La Hulpe · 1 establishment unit since 1982
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 des Combattants 811310 La HulpeGround area
716 m²
Building footprint
105 m²
Volume, LiDAR
1,215 m³
Parcel 25050B0259/00C000, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Combattants 81, 1310 La Hulpe
since 19822.034.823.240
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0259/00C000 | Wallonia | 716 m² | 1 · 105 m² | 13.6 m · 4 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
B Penninck
BE 0725.712.230
Roeselare · Eq €318k
ENTREPRISES SIMONIS
BE 0400.443.120
Watermaal-Bosvoorde · Eq €318k
Bâtiments Gérard BERTRAND
BE 0434.961.460
Etalle · Eq €317k
VARRAN
BE 0631.962.126
Waregem · Eq €317k
Total Electro
BE 0702.848.340
Antwerpen · Eq €318k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 10,716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-1981
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.