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IMMO VAL DE SAMBRE

Active
Public limited companyfounded 1996active for 30 yearsQuai de Sambre 1, 6030 Charleroi, BelgiumKBO/BCE: BE 0457.288.781
Summary

IMMO VAL DE SAMBRE has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €522,762 and a net result of -€15,581. Equity has been growing by about 26% per year since 2018. Its solvency ranks better than 61% of 11,235 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 12-02-1996 Normal situation
Activity
Renting and operating of own or leased residential real estate, excluding social housing NACE 68201and 2 others
Establishment unit
2.075.520.777 6030 Charleroi, since 08-03-1996
Financial year end
31 December
Peppol
Reachable since 11-12-2025

Board and ownership

Board
  • Dufrane AnthonyDirector · since 23-02-2022

Financial position

93 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts 2025
Gross margin
€212,874
▲ 26.6%
Turnover
≈ €310,000
estimated
Loss
€15,581
Equity
€522,762
▼ 2.9%
Total assets
€1.2m
▲ 1.8%
Filed on 29-07-2026, 2 days before the deadline
Score breakdownraises riskLoss of €15,581 (financial year 2025)lowers riskSize: total assets €1.2mFigures for financial year 2025 (filed on 29-07-2026)Liquidity: current ratio 0.49, cash €180,770Show the evidence

Checked score

Score 2025
93 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 42% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Average
Solvency 70-2
equity 44.9% of total assets
Liquidity 48+3
short-term debt 44.2% · cash 15.5%
Profitability 31-42
return on assets -1.3%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (26,625 companies, NACE 68, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025highest value 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: < 0.1%▼ -0.1 percentage points vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026lowest value 10-2026: < 0.1%● unchanged vs 09-2026lowest value 11-2026: < 0.1%● unchanged vs 10-2026lowest value
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.49 (0.35 in 2024), below 1. Short-term debt is 44.2% and cash 15.5% of total assets. 55.1% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 61% of them on solvency, 44% on liquidity, 27% on profitability and 38% on growth.

The bankruptcy probability was computed on 01-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €1.2m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Loss of €15,581 (financial year 2025)
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 29-07-2026)
NBB · annual accounts
lowers risk · Liquidity: current ratio 0.49, cash €180,770
NBB · annual accounts
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
2 days early
2023
29 days late
2022
64 days late
2021
29 days late
2020
54 days late
2019
90 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 37 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €42,661 in 2024 -€15,581 View

Comparable companies

These companies have the same main activity as IMMO VAL DE SAMBRE: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €1m and €1.3m, founded between 1992 and 1996.

CompanyTotal assetsGross margin
IMMO VAL DE SAMBRE Charleroi€1.2m€0.2m
SOCOTOURNAI Tournai€1.2m€0.2m
ETS LECLERCQS - BERNARD Flémalle€1.1m€0.2m
DUKS Sint-Lambrechts-Woluwe€1.1m€0.2m
GALAXIT Antwerpen€1.1m€0.2m
FILD Ronse€1.3m€0.2m
BRUSARI Brussel€1.0m€0.2m
Full comparison

Key facts about IMMO VAL DE SAMBRE

What is the company number of IMMO VAL DE SAMBRE?
The company number of IMMO VAL DE SAMBRE is 0457.288.781. The VAT number is the same number with BE in front: BE 0457.288.781.
Where is IMMO VAL DE SAMBRE based?
The registered office is at Quai de Sambre 1, 6030 Charleroi.Company details
What does IMMO VAL DE SAMBRE do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of IMMO VAL DE SAMBRE?
The legal form of IMMO VAL DE SAMBRE is Public limited company (NV).
When was IMMO VAL DE SAMBRE founded?
IMMO VAL DE SAMBRE was founded on 12-02-1996.
Is IMMO VAL DE SAMBRE still active?
Yes, IMMO VAL DE SAMBRE is an active enterprise in the KBO register.
What is the turnover of IMMO VAL DE SAMBRE?
The turnover in financial year 2025 is ≈ €310,000. This figure is estimated from the gross margin of €212,874 and 31 comparable companies (NACE 68201). It probably lies between €240,000 and €420,000.Financials
Is IMMO VAL DE SAMBRE profitable?
In financial year 2025, IMMO VAL DE SAMBRE made a loss of €15,581.
Where can I find the annual accounts of IMMO VAL DE SAMBRE?
IMMO VAL DE SAMBRE filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IMMO VAL DE SAMBRE due?
IMMO VAL DE SAMBRE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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