IMMO V.C.

Active

Public limited companyfounded 199333 yrs activeJoris Helleputtestraat 9, 3920 Lommel, BelgiumKBO/BCE: BE 0449.171.960

Summary

IMMO V.C. has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €571,024 and a net result of €18,617. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 94% of 5063 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

IMMO V.C.ActiveChecked score 94/100

Risk analysis Report Compare

Activity

Renting and operating of own or leased residential real estate, excluding social housing

NACE 68201

1 site

Size

€584,188total assets 2025

Equity: €571,024
Profit: €18,617

Financial health

94 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Parent: VALTECH · 100%

Accounts 4 d early0 of 14 deeds read

Why 94- Liquidity: current ratio 12.85+ Founded in 1993+ Equity €571,024 (97.7% of total assets)+ Legal form Public limited companyShow the evidence

Checked score

Score 2025

94 / 100

Excellent

Probability in this band: under 0.55%

Better than 85% of its sector peers (NACE 68, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2025

Strong

Solvency 100=

equity 97.7% of total assets

Liquidity 100+50

short-term debt 2.2%

Profitability 73+3

return on assets 3.2%

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 0.3% (26,360 companies)

Last 17 months 06-2025: < 0.1%lowest value 07-2025: < 0.1%● 0.0% vs 06-2025lowest value 08-2025: < 0.1%▲ +3.6% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▲ +17.2% vs 09-2025 11-2025: 0.2%▲ +482% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%● 0.0% vs 12-2025 02-2026: 0.2%● 0.0% vs 01-2026 03-2026: 0.2%● 0.0% vs 02-2026 04-2026: 0.2%● 0.0% vs 03-2026 05-2026: 0.2%▼ -6.1% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%▲ +7.0% vs 06-2026highest value 08-2026: 0.2%▼ -8.0% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026

Liquidity: current ratio 12.85 raises the probability
Founded in 1993 lowers the probability for this profile
Equity €571,024 (97.7% of total assets) lowers the probability
Legal form Public limited company lowers the probability

Credit up to €50,000 at 30 days acceptable

Liquidity ample (current ratio 12.85; short-term debt: 2.2% of total assets), and 2.3% 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 91%, liquidity 98%, profitability 65%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

Credit check for your own amount and term

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Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Liquidity: current ratio 12.85

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Founded in 1993

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Equity €571,024 (97.7% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Legal form Public limited company

In the bankruptcy model this factor lowers the probability.

KBO

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.

NBB · 9 filings

Deviation from the deadline

2025

4 d early

2025

24 d early

2024

101 d early

2023

20 d early

2022

38 d early

2021

32 d early

2020

30 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 36 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 (1)

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

27-07-26 Annual accounts filedfiscal year 2025 · full…
07-10-25 Annual accounts filedfiscal year 2025 · abbreviated…
31-03-25 Weakest financial yearnet €7,238 ▼79%

Key points

Positive: Among the best 6% on solvencysector median 38.3% · 5,063 companies 97.7% View
Positive: Always filed on timeaccounts within the deadline every year 8 years View
Positive: 8 profitable years in a rowprofit 2025: €18,617 8 years View
Controlled by VALTECHknown shareholders 100% 100% View