IMMO XL 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 €168k and a net result of €-226k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 7980 sector peers (fiscal year 2025). The company has been active since 2015 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 advice for your own amount and term
Signals
Four 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 10% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
5 d late
2023
62 d late
2022
16 d late
2021
22 d late
2020
24 d late
2019
32 d early
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€168k▼ 57.4%
2024 · €393k
2018: €-2k
2019: €635k
2020: €778k
2021: €608k
2022: €287k
2023: €688k
2024: €393k
2018 → 2025
Net result
€-226k▲ 23.4%
2024 · €-295k
2018: €-60k
2019: €208k
2020: €143k
2021: €-169k
2022: €-321k
2023: €-479k
2024: €-295k
2018 → 2025
Total assets
€8.35M▲ 18.2%
2024 · €7.07M
2018: €5.69M
2019: €6.25M
2020: €6.42M
2021: €5.96M
2022: €6.35M
2023: €7.75M
2024: €7.07M
2018 → 2025
Solvency
2.0%▼ 3.6pp
2024 · 5.6%
2018: 0.0%
2019: 10.2%
2020: 12.1%
2021: 10.2%
2022: 4.5%
2023: 8.9%
2024: 5.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€608k-€287k▼ 52.8%€688k▲ 140%€393k▼ 42.8%€168k▼ 57.4%
Operating result€-182k-€-260k▼ 43.1%€-377k▼ 45.0%€-281k▲ 25.6%€-93k▲ 66.8%
Net result€-169k-€-321k▼ 89.6%€-479k▼ 49.3%€-295k▲ 38.5%€-226k▲ 23.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €93k in 2025 against €281k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.35M
Fixed assets
€7.69M▲ 17.7%
Current assets
€656k▲ 24.7%
Equity and liabilities €8.35M
Equity
€168k▼ 57.4%
Provisions
€973k▼ 1.4%
Debt
€7.21M▲ 26.8%
The debt ratio rises from 80.5% to 86.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
2.0%▼
2024 · 5.6%
ROE
-134.7%▼
2024 · -74.9%
ROA
-2.7%▲
2024 · -4.2%
Debt
€7.21M▲
2024 · €5.68M
Debt ≤ 1 year
€2.78M▲
2024 · €2.10M
Debt > 1 year
€4.43M▲
2024 · €3.59M
Income taxes
€-4k▲
2024 · €-4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€7.07M€8.35M▲
Fixed assets21/28€6.54M€7.69M▲
Tangible fixed assets22/27€6.51M€5.98M▼
Land and buildings22€6.51M€5.98M▼
Financial fixed assets28€33k€1.71M▲
Current assets29/58€526k€656k▲
Amounts receivable within one year40/41€10k€434k▲
Other amounts receivable41€10k€434k▲
Current investments50/53€317k€14k▼
Cash at bank and in hand54/58€184k€200k▲
Deferred charges and accrued income490/1€14k€8k▼
Equity and liabilities
Total equity and liabilities10/49€7.07M€8.35M▲
Equity10/15€393k€168k▼
Contributions10/11€90k€90k=
Revaluation surpluses12€1.18M€1.16M▼
Reserves13€53k€80k▲
Non-distributable reserves130/1€53k€80k▲
Other1319€53k€80k▲
Profit (loss) carried forward14€-935k€-1.16M▼
Provisions and deferred taxes16€987k€973k▼
Provisions for liabilities and charges160/5€987k€973k▼
Environmental obligations163€987k€973k▼
Amounts payable17/49€5.68M€7.21M▲
Amounts payable after more than one year17€3.59M€4.43M▲
Financial debts170/4€3.59M€4.43M▲
Amounts payable within one year42/48€2.10M€2.78M▲
Current portion of amounts payable after more than one year42€298k€354k▲
Trade debts44€25k€1k▼
Suppliers440/4€25k€1k▼
Advances received on contracts in progress46€802-
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48€1.77M€2.42M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€523k€437k▼
Other operating charges640/8€37k€55k▲
Gross operating margin9900€279k€399k▲
Operating profit (loss)9901€-281k€-93k▲
Financial income75/76B€146k€3k▼
Recurring financial income75€9k€3k▼
Non-recurring financial income76B€137k-
Financial charges65/66B€164k€139k▼
Recurring financial charges65€134k€132k▼
Non-recurring financial charges66B€30k€7k▼
Profit (loss) for the period before taxes9903€-299k€-229k▲
Income taxes67/77€-4k€-4k▲
Profit (loss) for the period9904€-295k€-226k▲
Profit (loss) for the period to be appropriated9905€-295k€-226k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-935k€-1.16M▼
Profit (loss) brought forward from the previous period14P€-640k€-935k▼
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 62 days late
2023
31-12
Financial
Weakest financial yearnet €-479k
Net result drops to €-479k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €688k ▲140%
Equity rises from €287k to €688k.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €208k
Net result €208k after one loss-making year.
31-12
Financial
Equity above €500kEq €635k
Equity rises from €-2k to €635k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
15-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Enghien · 1 establishment unit since 2015
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.
Louis Isaaclaan(P.E.) 367850 EnghienGround area
469 m²
Building footprint
65 m²
Volume, LiDAR
637 m³
Parcel 55033D0073/00D006, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IMMO XL
since 20152.381.703.950
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55033D0073/00D006 | Wallonia | 469 m² | 1 · 65 m² | 11.8 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450037850FEB906655
Similar companies · same sector, comparable size
C.D.M.
BE 0458.596.105
Lasne · Eq €168k
JOCHEMS JAN
BE 0885.900.307
Rijkevorsel · Eq €168k
Guidoc
BE 0443.919.708
Gent · Eq €168k
BALENKO
BE 0630.877.706
Roeselare · Eq €168k
MRaes Consulting
BE 0765.928.925
Gent · Eq €168k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2015
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
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
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@immoxl.be