Summary
IMMO VANCLAEYSNEST is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €417k and a net result of €74k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 5527 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 23%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
24 d early
2024
29 d late
2023
1 d early
2022
41 d late
2021
61 d late
2020
12 d early
2019
27 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€417k▲ 21.6%
2024 · €343k
2018: €57k
2019: €98k
2020: €141k
2021: €223k
2022: €240k
2023: €306k
2024: €343k
2018 → 2025
Net result
€74k▲ 92.4%
2024 · €38k
2018: €36k
2019: €42k
2020: €45k
2021: €-40k
2022: €18k
2023: €68k
2024: €38k
2018 → 2025
Total assets
€1.89M▼ 5.5%
2024 · €2.00M
2018: €1.05M
2019: €1.01M
2020: €945k
2021: €1.97M
2022: €1.96M
2023: €2.03M
2024: €2.00M
2018 → 2025
Solvency
22.1%▲ 4.9pp
2024 · 17.2%
2018: 5.4%
2019: 9.7%
2020: 14.9%
2021: 11.3%
2022: 12.3%
2023: 15.1%
2024: 17.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€223k-€240k▲ 7.3%€306k▲ 27.8%€343k▲ 12.0%€417k▲ 21.6%
Operating result€-20k-€41k€126k▲ 205%€87k▼ 30.5%€136k▲ 55.9%
Net result€-40k-€18k€68k▲ 280%€38k▼ 43.7%€74k▲ 92.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.89M
Fixed assets
€1.85M ▲ 1.6%
Current assets
€30k ▼ 82.0%
Equity and liabilities €1.89M
Equity
€417k ▲ 21.6%
Debt
€1.47M ▼ 11.2%
Debt's share of the balance-sheet total falls from 82.8% to 77.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.7%▲
2024 · 11.2%
ROA
3.9%▲
2024 · 1.9%
Debt ≤ 1 year
€354k▼
2024 · €457k
Debt > 1 year
€1.11M▼
2024 · €1.19M
Income taxes
€32k▲
2024 · €17k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.00M€1.89M▼
Fixed assets21/28€1.83M€1.85M▲
Tangible fixed assets22/27€1.13M€1.16M▲
Land and buildings22€1.13M€1.10M▼
Leasing and similar rights25-€53k
Financial fixed assets28€698k€698k=
Current assets29/58€169k€30k▼
Amounts receivable within one year40/41€156k€2k▼
Trade receivables40€127k€692▼
Other amounts receivable41€29k€1k▼
Cash at bank and in hand54/58€13k€16k▲
Deferred charges and accrued income490/1€775€12k▲
Equity and liabilities
Total equity and liabilities10/49€2.00M€1.89M▼
Equity10/15€343k€417k▲
Contributions10/11€6k€6k=
Revaluation surpluses12€124k€124k=
Reserves13€213k€287k▲
Distributable reserves133€213k€287k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.65M€1.47M▼
Amounts payable after more than one year17€1.19M€1.11M▼
Financial debts170/4€909k€834k▼
Other amounts payable178/9€280k€280k=
Amounts payable within one year42/48€457k€354k▼
Current portion of amounts payable after more than one year42€114k€128k▲
Financial debts43-€26k
Credit institutions430/8-€26k
Trade debts44€1k€28k▲
Suppliers440/4€1k€28k▲
Advances received on contracts in progress46€55k€0▼
Taxes, remuneration and social security45€28k€22k▼
Taxes450/3€28k€22k▼
Other amounts payable47/48€259k€150k▼
Accrued charges and deferred income492/3€7k€144▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€29k▲
Other operating charges640/8€9k€10k▲
Gross operating margin9900€121k€175k▲
Operating profit (loss)9901€87k€136k▲
Financial charges65/66B€33k€30k▼
Recurring financial charges65€33k€30k▼
Profit (loss) for the period before taxes9903€55k€106k▲
Income taxes67/77€17k€32k▲
Profit (loss) for the period9904€38k€74k▲
Profit (loss) for the period to be appropriated9905€38k€74k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€74k▲
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€38k€74k▲
To other reserves6921€38k€74k▲
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
The notes to these accounts (19 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €74k ▲92.4%
Operating result €136k, net result €74k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 41 days late
2022
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €-40k ▼190%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €223k ▲58.5%
Equity rises from €141k to €223k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €141k ▲44.2%
3 profitable years in a row build equity to €141k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
Show earlier events
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oostende · 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.
Kapellestraat 858400 OostendeGround area
87 m²
Building footprint
87 m²
Volume, LiDAR
987 m³
Parcel 35013A1132/00E000, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IMMO VANCLAEYSNEST
since 20072.159.705.790
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1132/00E000 | Flanders | 87 m² | 1 · 87 m² | 15.8 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
GCP Invest
BE 0672.928.194
Marche-en-Famenne · Eq €417,151
EWS SOLUTIONS
BE 0664.649.542
Zottegem · Eq €417,046
MEDITRINE
BE 0778.313.152
Etterbeek · Eq €417,305
P. REALTY
BE 0899.598.685
Antwerpen · Eq €416,999
CORPAD
BE 0476.560.901
Zuienkerke · Eq €416,953
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,727 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 formPrivate limited company
Founded12-02-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.