IMMO-VI
ActiveSummary
IMMO-VI has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,025 and a net result of €26,755. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 66% of 14258 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87▲+1
Solvency77▲+21
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 2.82 against 1.42 in 2024; short-term debt: 35% and cash: 57.9% of total assets), and 48.5% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
51.5%
Return on assets
14.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
17 d late
2024
29 d late
2023
22 d early
2022
31 d late
2021
30 d late
2020
20 d late
2019
7 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 14 days after 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 (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. Usually files around 29 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€94,025▲ 39.8%
2024 · €67,269
Total assets
€182,486▼ 16.4%
2024 · €218,370
Net result
€26,755▼ 9.9%
2024 · €29,682
Working capital
€116,433▲ 84.4%
2024 · €63,143
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€49,197€31,364▼ 36.2%€40,285▲ 28.4%€42,434▲ 5.3%€40,948▼ 3.5%
Net result€37,547above the sector's middle half€22,253within the sector's middle half▼ 40.7%€28,555within the sector's middle half▲ 28.3%€29,682within the sector's middle half▲ 3.9%€26,755within the sector's middle half▼ 9.9%
Equity€69,649within the sector's middle half▲ 117%€91,902within the sector's middle half▲ 32.0%€120,457within the sector's middle half▲ 31.1%€67,269within the sector's middle half▼ 44.2%€94,025within the sector's middle half▲ 39.8%
Total assets€118,872below the sector's middle half▲ 100%€184,588within the sector's middle half▲ 55.3%€229,041within the sector's middle half▲ 24.1%€218,370within the sector's middle half▼ 4.7%€182,486within the sector's middle half▼ 16.4%
Debt€49,223▲ 80.6%€92,686▲ 88.3%€108,584▲ 17.2%€151,101▲ 39.2%€88,461▼ 41.5%
Working capital€63,478within the sector's middle half▲ 104%€83,771within the sector's middle half▲ 32.0%€114,517within the sector's middle half▲ 36.7%€63,143within the sector's middle half▼ 44.9%€116,433above the sector's middle half▲ 84.4%
Solvency58.6%within the sector's middle half▲ 4.5pp49.8%within the sector's middle half▼ 8.8pp52.6%within the sector's middle half▲ 2.8pp30.8%within the sector's middle half▼ 21.8pp51.5%within the sector's middle half▲ 20.7pp
Current ratio2.29within the sector's middle half▲ 0.151.91within the sector's middle half▼ 0.382.06within the sector's middle half▲ 0.151.42within the sector's middle half▼ 0.642.82above the sector's middle half▲ 1.40
Return on assets (ROA)31.6%above the sector's middle half▲ 33.8pp12.1%above the sector's middle half▼ 19.5pp12.5%above the sector's middle half▲ 0.4pp13.6%above the sector's middle half▲ 1.1pp14.7%above the sector's middle half▲ 1.1pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
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 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182,486
Fixed assets
€2,106 ▼ 49.0%
Current assets
€180,380 ▼ 15.8%
Equity and liabilities €182,486
Equity
€94,025 ▲ 39.8%
Debt
€88,461 ▼ 41.5%
Debt's share of the balance-sheet total falls from 69.2% to 48.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€42,969▼
2024 · €44,640
Cash flow
€28,776▼
2024 · €31,888
Debt to equity
0.94▼
2024 · 2.25
ROE
28.5%▼
2024 · 44.1%
Interest coverage
53.17▲
2024 · 51.39
Debt ≤ 1 year
€63,947▼
2024 · €151,101
Debt > 1 year
€24,514
Income taxes
€13,392▼
2024 · €14,197
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,141 | €1,727 | €2,556 | €2,206 | €2,020 | ▼ 8.4% |
| Other operating charges640/8 | €1,901 | €2,417 | €1,854 | €3,339 | €3,342 | ▲ 0.1% |
| Gross operating margin9900 | €52,238 | €35,508 | €44,695 | €47,980 | €46,310 | ▼ 3.5% |
| Operating profit (loss)9901 | €49,197 | €31,364 | €40,285 | €42,434 | €40,948 | ▼ 3.5% |
| Financial income75/76B | €2,008 | €2,183 | €2,182 | €2,313 | €7 | ▼ 99.7% |
| Recurring financial income75 | €2,008 | €2,183 | €2,182 | €2,313 | €7 | ▼ 99.7% |
| Financial charges65/66B | €372 | €511 | €990 | €869 | €808 | ▼ 7.0% |
| Recurring financial charges65 | €372 | €511 | €990 | €869 | €808 | ▼ 7.0% |
| Profit (loss) for the period before taxes9903 | €50,833 | €33,036 | €41,477 | €43,878 | €40,147 | ▼ 8.5% |
| Income taxes67/77 | €13,286 | €10,783 | €12,922 | €14,197 | €13,392 | ▼ 5.7% |
| Profit (loss) for the period9904 | €37,547 | €22,253 | €28,555 | €29,682 | €26,755 | ▼ 9.9% |
| Profit (loss) for the period to be appropriated9905 | €37,547 | €22,253 | €28,555 | €29,682 | €26,755 | ▼ 9.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118,872 | €184,588 | €229,041 | €218,370 | €182,486 | ▼ 16.4% |
| Fixed assets21/28 | €6,171 | €8,889 | €6,332 | €4,126 | €2,106 | ▼ 49.0% |
| Tangible fixed assets22/27 | €6,171 | €8,889 | €6,332 | €4,126 | €2,106 | ▼ 49.0% |
| Furniture and vehicles24 | €4,777 | €7,637 | €5,222 | €3,158 | €1,280 | ▼ 59.5% |
| Other tangible fixed assets26 | €1,394 | €1,252 | €1,110 | €968 | €826 | ▼ 14.7% |
| Current assets29/58 | €112,701 | €175,699 | €222,708 | €214,244 | €180,380 | ▼ 15.8% |
| Amounts receivable after more than one year29 | €45,000 | €50,000 | €50,000 | €50,000 | - | - |
| Other amounts receivable291 | €45,000 | €50,000 | €50,000 | €50,000 | - | - |
| Amounts receivable within one year40/41 | €10,751 | €13,460 | €51,369 | €96,341 | €73,696 | ▼ 23.5% |
| Trade receivables40 | €6,430 | €13,460 | €51,369 | €96,341 | €73,696 | ▼ 23.5% |
| Other amounts receivable41 | €4,321 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €56,950 | €112,240 | €121,340 | €67,903 | €105,745 | ▲ 55.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €938 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118,872 | €184,588 | €229,041 | €218,370 | €182,486 | ▼ 16.4% |
| Equity10/15 | €69,649 | €91,902 | €120,457 | €67,269 | €94,025 | ▲ 39.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €18,600 | €18,600 | = |
| Reserves13 | €63,449 | €85,702 | €114,257 | €48,669 | €75,425 | ▲ 55.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €61,589 | €83,842 | €114,257 | €48,669 | €75,425 | ▲ 55.0% |
| Profit (loss) carried forward14 | - | - | - | €0 | - | - |
| Amounts payable17/49 | €49,223 | €92,686 | €108,584 | €151,101 | €88,461 | ▼ 41.5% |
| Amounts payable after more than one year17 | - | - | - | - | €24,514 | - |
| Other amounts payable178/9 | - | - | - | - | €24,514 | - |
| Amounts payable within one year42/48 | €49,223 | €91,928 | €108,192 | €151,101 | €63,947 | ▼ 57.7% |
| Current portion of amounts payable after more than one year42 | €881 | €13,285 | €9,884 | €24,862 | - | - |
| Financial debts43 | - | - | - | - | €8,441 | - |
| Credit institutions430/8 | - | - | - | - | €8,441 | - |
| Trade debts44 | €34,470 | €61,836 | €66,527 | €12,414 | €15,734 | ▲ 26.7% |
| Suppliers440/4 | €34,470 | €61,836 | €66,527 | €12,414 | €15,734 | ▲ 26.7% |
| Taxes, remuneration and social security45 | €13,286 | €15,847 | €28,602 | €44,358 | €39,772 | ▼ 10.3% |
| Taxes450/3 | €13,286 | €15,847 | €28,602 | €44,358 | €39,772 | ▼ 10.3% |
| Other amounts payable47/48 | €587 | €959 | €3,179 | €69,467 | - | - |
| Accrued charges and deferred income492/3 | - | €758 | €392 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €37,547 | €22,253 | €28,555 | €29,682 | €26,755 | ▼ 9.9% |
| + Depreciation and write-downs630 | €1,141 | €1,727 | €2,556 | €2,206 | €2,020 | ▼ 8.4% |
| Operating cash flow (approximation) | €38,688 | €23,980 | €31,111 | €31,888 | €28,776 | ▼ 9.8% |
| Investment in fixed assets (approximation) | - | -€4,445 | €0 | €0 | €0 | - |
| Change in cash | - | €55,290 | €9,100 | -€53,437 | €37,842 | ▲ 171% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100,000Eq €120,457 ▲31.1%
3 profitable years in a row build equity to €120,457.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €37,547
Net result €37,547 after one loss-making year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet -€1,297
Net result drops to -€1,297, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.74
Current ratio from 1.27 to 2.74; short-term debt falls from €54,253 to €18,376.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Damme · 2 establishment units since 2017
Ground area
1,306 m²
Building footprint
276 m²
Volume, LiDAR
3,806 m³
2 parcels, Flanders · tallest building 21.4 m, ±6 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
2 establishment units
IMMO-VI
since 20172.269.981.825
IMMO-VI
since 20262.389.077.930
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0768/00B000 | Flanders | 1,018 m² | 1 · 196 m² | 21.4 m · 6 fl. |
| 31019A0501/00Y002 | Flanders | 288 m² | 1 · 79 m² | 9.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 579 EUR awarded · 579 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 67 EUR | 67 EUR |
| 2023 | 1 | 168 EUR | 168 EUR |
| 2022 | 1 | 344 EUR | 344 EUR |
Similar companies · same sector, comparable size
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EMSA IMMO
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ProMaRES
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VQ Vastgoed
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Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 5,181 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded28-08-2017
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0680485979
Also
9925:BE0680485979
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.