IMMO-VITO
ActiveSummary
IMMO-VITO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€179,085) and a net result of €2,395. Equity is shrinking by ~36% per year across the filed fiscal years. Its solvency ranks better than 10% of 14462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
What they do
Development of residential building projects
NACE 68121Real estate development NACE 41101
#7 oldest company in Beloeil, Real estate sector1 site
How big
€838,193total assets 2025
- Equity
- -€179,085
- Profit
- €2,395
Who decides
Accounts 35 d early0 of 1 deed read
Why 52- Higher-failure-rate region- Annual accounts: weaker financial profile- Weak solvency vs sector+ Lower-failure-rate sector+ Long track recordLatest accounts filed on timeShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability60▲+28
Solvency4=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.28 against 0.24 in 2024; short-term debt: 52.5% and cash: 0.1% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six 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 · 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-21.4%
Return on assets
0.3%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 14462 sector peers (2025).
NBB · sector comparisonPosition among 14462 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 26-03-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
on the day
2023
4 d early
2022
23 d late
2021
30 d late
2020
28 d late
2019
26 d late
← 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 10 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 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 30 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Back to profitnet €2,395
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €838,193Profit €2,395Solvency -21.4%Liquidity 0.28
Total assets
€838,193▼ 4.1%
2019 - 2025
Net result
€2,395
2019 - 2025
Equity
-€179,085▲ 1.3%
2019 - 2025
Solvency
-21.4%▼ 0.6pp
2019 - 2025
Financials · fiscal year 2025, micro schema
In the rankings
#7 oldest company in Beloeil, Real estate sector
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: 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. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€0.07m-€0.03m▲ 52.3%-€0.04m▼ 24.9%-€0.02m▲ 52.2%€0.02m
Net result-€0.03mbelow the sector's middle half▼ 521%-€0.04mbelow the sector's middle half▼ 74.7%-€0.06mbelow the sector's middle half▼ 26.1%-€0.03mbelow the sector's middle half▲ 39.8%€0.002mwithin the sector's middle half
Equity-€0.05mbelow the sector's middle half▼ 120%-€0.09mbelow the sector's middle half▼ 95.4%-€0.1mbelow the sector's middle half▼ 61.6%-€0.2mbelow the sector's middle half▼ 23.0%-€0.2mbelow the sector's middle half▲ 1.3%
Total assets€0.5mwithin the sector's middle half▼ 31.0%€0.9mwithin the sector's middle half▲ 102%€0.9mwithin the sector's middle half▼ 2.7%€0.9mwithin the sector's middle half▼ 4.9%€0.8mwithin the sector's middle half▼ 4.1%
Debt€0.5m▼ 26.4%€1.0m▲ 102%€1.1m▲ 2.9%€1.1m▼ 1.0%€1.0m▼ 3.6%
Working capital-€0.04mwithin the sector's middle half-€0.2mbelow the sector's middle half▼ 443%-€0.3mbelow the sector's middle half▼ 32.0%-€0.3mbelow the sector's middle half▼ 5.7%-€0.3mbelow the sector's middle half▲ 5.6%
Solvency-10.0%below the sector's middle half▼ 6.9pp-9.7%below the sector's middle half▲ 0.3pp-16.1%below the sector's middle half▼ 6.4pp-20.8%below the sector's middle half▼ 4.7pp-21.4%below the sector's middle half▼ 0.6pp
Current ratio0.90within the sector's middle half▼ 0.670.35below the sector's middle half▼ 0.550.26below the sector's middle half▼ 0.080.24below the sector's middle half▼ 0.020.28below the sector's middle half▲ 0.04
Return on assets (ROA)-5.5%below the sector's middle half▼ 4.9pp-4.7%below the sector's middle half▲ 0.7pp-6.1%below the sector's middle half▼ 1.4pp-3.9%below the sector's middle half▲ 2.2pp0.3%within the sector's middle half▲ 4.2pp
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.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €15,642 after a loss of €20,123 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €838,193
Fixed assets
€716,735 ▼ 6.6%
Current assets
€121,458 ▲ 13.4%
Equity and liabilities
Equity-€179,085
Debt€1.0m
Equity is negative: debt (€1.0m) exceeds the balance-sheet total (€838,193).
Key figures and ratios
Key figures and ratios
EBITDA
€65,947▲
2024 · €30,302
Cash flow
€52,700▲
2024 · €16,547
Quick ratio
0.03▲
2024 · 0.02
Interest coverage
4.96▲
2024 · 2.20
Debt ≤ 1 year
€439,860▼
2024 · €444,520
Debt > 1 year
€576,543▼
2024 · €610,734
No debt to equity: equity is negative, so debt divided by equity means nothing.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 518 companies that looked in July 2024 the way this one looks now, 2.9% went bankrupt within 24 months and 92% are still going.
- Small
- 20 years or older
- negative equity
- a profit under 5% of the balance sheet
2.9%
went bankrupt
3.9%
stopped otherwise
92%
still going
A further 1.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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% | 1.8% |
| 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 518 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.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €16,288 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,436 | €32,124 | €47,951 | €50,425 | €50,305 | ▼ 0.2% |
| Other operating charges640/8 | €2,519 | €2,003 | €3,373 | €3,967 | €2,592 | ▼ 34.7% |
| Gross operating margin9900 | -€60,767 | €406 | €9,223 | €34,269 | €68,539 | ▲ 100% |
| Operating profit (loss)9901 | -€70,722 | -€33,721 | -€42,101 | -€20,123 | €15,642 | ▲ 178% |
| Financial income75/76B | €55,518 | €151 | €27 | €17 | €38 | ▲ 124% |
| Recurring financial income75 | €55,518 | €151 | €27 | €17 | €38 | ▲ 124% |
| Financial charges65/66B | €10,320 | €11,030 | €14,173 | €13,772 | €13,285 | ▼ 3.5% |
| Recurring financial charges65 | €10,320 | €11,030 | €14,173 | €13,772 | €13,285 | ▼ 3.5% |
| Profit (loss) for the period before taxes9903 | -€25,524 | -€44,600 | -€56,247 | -€33,878 | €2,395 | ▲ 107% |
| Profit (loss) for the period9904 | -€25,524 | -€44,600 | -€56,247 | -€33,878 | €2,395 | ▲ 107% |
| Profit (loss) for the period to be appropriated9905 | -€25,524 | -€44,600 | -€56,247 | -€33,878 | €2,395 | ▲ 107% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €0.5m | €0.9m | €0.9m | €0.9m | €0.8m | ▼ 4.1% |
| Fixed assets21/28 | €0.08m | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 6.6% |
| Tangible fixed assets22/27 | €0.08m | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 6.6% |
| Land and buildings22 | €0.08m | €0.8m | €0.8m | €0.8m | €0.7m | ▼ 6.5% |
| Furniture and vehicles24 | €451 | €0.001m | €0.001m | €232 | - | - |
| Current assets29/58 | €0.4m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 13.4% |
| Stocks and contracts in progress3 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 9.4% |
| Stocks30/36 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | ▲ 9.4% |
| Amounts receivable within one year40/41 | €0.01m | €0.005m | €0.007m | €44 | €0.002m | ▲ 5,343% |
| Trade receivables40 | €0.007m | - | - | - | - | - |
| Other amounts receivable41 | €0.005m | €0.005m | €0.007m | €44 | €0.002m | ▲ 5,343% |
| Current investments50/53 | €0.004m | €0.005m | €0.005m | €0.005m | €0.005m | ▲ 0.7% |
| Cash at bank and in hand54/58 | €0.3m | €0.01m | €143 | €124 | €0.001m | ▲ 834% |
| Deferred charges and accrued income490/1 | €0.004m | €0.006m | €0.003m | €0.003m | €0.004m | ▲ 63.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €0.5m | €0.9m | €0.9m | €0.9m | €0.8m | ▼ 4.1% |
| Equity10/15 | -€0.05m | -€0.09m | -€0.1m | -€0.2m | -€0.2m | ▲ 1.3% |
| Contributions10/11 | €0.04m | €0.04m | €0.04m | €0.04m | €0.04m | = |
| Profit (loss) carried forward14 | -€0.08m | -€0.1m | -€0.2m | -€0.2m | -€0.2m | ▲ 1.1% |
| Amounts payable17/49 | €0.5m | €1.0m | €1.1m | €1.1m | €1.0m | ▼ 3.6% |
| Amounts payable after more than one year17 | €0.08m | €0.7m | €0.6m | €0.6m | €0.6m | ▼ 5.6% |
| Financial debts170/4 | €0.08m | €0.7m | €0.6m | €0.6m | €0.6m | ▼ 5.6% |
| Amounts payable within one year42/48 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | ▼ 1.0% |
| Current portion of amounts payable after more than one year42 | €0.005m | €0.03m | €0.03m | €0.03m | €0.03m | ▲ 2.0% |
| Financial debts43 | €23 | - | €11 | - | - | - |
| Credit institutions430/8 | €23 | - | €11 | - | - | - |
| Trade debts44 | €0.002m | €350 | €30 | €12 | €0.001m | ▲ 10,742% |
| Suppliers440/4 | €0.002m | €350 | €30 | €12 | €0.001m | ▲ 10,742% |
| Taxes, remuneration and social security45 | €0.06m | €366 | €240 | - | - | - |
| Taxes450/3 | €0.06m | €366 | €240 | - | - | - |
| Other amounts payable47/48 | €0.4m | €0.3m | €0.4m | €0.4m | €0.4m | ▼ 1.6% |
| Accrued charges and deferred income492/3 | - | - | - | €329 | €0.001m | ▲ 166% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€25,524 | -€44,600 | -€56,247 | -€33,878 | €2,395 | ▲ 107% |
| + Depreciation and write-downs630 | €7,436 | €32,124 | €47,951 | €50,425 | €50,305 | ▼ 0.2% |
| Operating cash flow (approximation) | -€18,088 | -€12,476 | -€8,296 | €16,547 | €52,700 | ▲ 218% |
| Investment in fixed assets (approximation) | - | -€771,734 | -€37,113 | -€12,944 | €0 | ▲ 100% |
| Change in cash | - | -€257,298 | -€13,841 | -€19 | €1,034 | ▲ 5,542% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
Similar companies · same sector and region
Général Service Akkioui
BE 0788.664.438
Beloeil
ACVEMA
BE 0445.280.181
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AGIRA
BE 0467.215.148
Tournai
ASSIMODEP
BE 0450.830.264
Leuze-en-Hainaut
ASSOCIATION IMMOBILIERE
BE 0442.905.364
Quaregnon
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 9,696 companies in this sector we hold annual accounts for 7,393. See the whole sector
Timeline
12 eventsLatest 26-03-2026Next filing 30-04-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €2,395
Net result €2,395 after 6 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet -€56,247
Net result drops to -€56,247, the lowest in the series; recovery starts the following year.
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 28 days late
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
13-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 13 days late
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 13-10-2004Year ends 30-09Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded13-10-2004
Fiscal year end30-09
Activities, NACEBEL 2025
68121Development of residential building projects
E-invoicing
Reachable via Peppol
Peppol ID
0208:0867811389
Also
9925:BE0867811389
Registered
09-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Beloeil · 1 establishment unit since 2004
Ground area
3,898 m²
Building footprint
334 m²
Volume, LiDAR
2,451 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
immo-vito
since 2004unit no. 2.144.197.965
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51054A0152/00K000 | Wallonia | 3,795 m² | 1 · 193 m² | 7.9 m · 2 fl. |
| 53065B0692/00M000 | Wallonia | 103 m² | 1 · 142 m² | 10.6 m · 3 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.
Go further with this company
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