Checked.be
Active
BE 0447.151.489Private limited company
IMMO YAMAN
Regine Beerplein 1 ·2018 Antwerpen, Belgium· 34 yrs active
Sector: Real estate agency activities
(68310)
Conclusion
IMMO YAMAN has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.07M and a net result of €85k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 32% of 8862 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €2.07M |
| Net result | €85k |
| Staff (FTE) | 4.1 |
| Better than sector | 32% |
Financial profile
60
/ 100
Strong profile, led by stability.
All 5 axes are computed from data Checked has read.
Health
61
Profitability
21
Solvency
42
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1992, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
61
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€130k
estimate, not credit advice
Score history
61
2022
32
2023
69
2024
61
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 15.22 (≥ 1.5)
+10
Quick ratio
Quick ratio 3.79 (≥ 1.0)
+5
Leverage
Debt/equity 6.16 (> 3.0)
-10
Profitability
ROE 4%
+3
Interest coverage
Interest coverage 2.3×
+3
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 01-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~3.3%/year over 4 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.6% | 31.5% | |
| Net result | €85k | €11k | |
| Equity | €2.07M | €331k | |
| Gross operating margin | €1.03M | €93k | |
| Staff costs | €170k | €67k |
€784k
-18.0%
22-25
€85k
-11.8%
22-25
€399k
-1.0%
22-25
€15.21M
+1.2%
22-25
€2.07M
+4.3%
22-25
€5.93M
+0.3%
22-25
4
+57.7%
22-25
€170k
-5.1%
22-25
€62k
-13.7%
22-25
€12.74M
+0.9%
22-25
€417k
-36.0%
22-25
€12.32M
+2.9%
22-25
15.22
+51.2%
22-25
3.79
+34.0%
22-25
13.6%
+3.1%
22-25
6.16
-3.3%
22-25
4.1%
-15.4%
22-25
0.6%
-12.8%
22-25
2.32
+27.8%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €784k | €957k | €705k | €544k |
| Net profit | €85k | €97k | €-48k | €69k |
| Cash flow | €399k | €403k | €225k | €374k |
| Staff costs | €170k | €179k | €169k | €93k |
| Income taxes | €62k | €72k | €12k | €63k |
| Dividends | - | - | - | - |
| Total assets | €15.21M | €15.03M | €15.05M | €15.26M |
| Equity | €2.07M | €1.98M | €1.88M | €1.93M |
| Debt | €12.74M | €12.63M | €12.73M | €12.87M |
| of which ≤ 1y | €417k | €652k | €624k | €556k |
| of which > 1y | €12.32M | €11.98M | €12.09M | €12.30M |
| Working capital | €5.93M | €5.91M | €5.86M | €1.94M |
| Employees (FTE) | 4.1 | 2.6 | 2.5 | 2.3 |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 15.22 | 10.07 | 10.40 | 4.48 |
| Quick ratio | 3.79 | 2.83 | 1.85 | 3.53 |
| Working capital ratio | 39.0% | 39.3% | 39.0% | 12.7% |
| Solvency | 13.6% | 13.2% | 12.5% | 12.7% |
| Debt / equity | 6.16 | 6.37 | 6.75 | 6.66 |
| Long-term debt ratio | 5.96 | 6.04 | 6.42 | 6.37 |
| Interest coverage | 2.32 | 1.81 | 1.45 | 2.15 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 0.6% | 0.6% | -0.3% | 0.5% |
| ROE | 4.1% | 4.9% | -2.6% | 3.6% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (28 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €15.21M | €15.03M | €15.05M | €15.26M |
| Fixed assets | 21/28 | €8.86M | €8.47M | €8.57M | €12.77M |
| Formation expenses | 20 | €0 | €0 | - | - |
| Intangible fixed assets | 21 | €3k | €4k | - | - |
| Tangible fixed assets | 22/27 | €7.99M | €8.22M | €8.35M | €12.77M |
| Financial fixed assets | 28 | €868k | €244k | €219k | €794 |
| Current assets | 29/58 | €6.35M | €6.57M | €6.49M | €2.49M |
| Stocks & contracts in progress | 3 | €4.77M | €4.72M | €5.33M | €528k |
| Amounts receivable within one year | 40/41 | €1.04M | €1.04M | €236k | €71k |
| Cash & bank | 54/58 | €431k | €678k | €794k | €1.78M |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €15.21M | €15.03M | €15.05M | €15.26M |
| Equity | 10/15 | €2.07M | €1.98M | €1.88M | €1.93M |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €1.83M | €1.88M | €1.93M | €1.97M |
| Accumulated profits (losses) | 14 | €-159k | €-293k | €-438k | €-438k |
| Provisions & deferred taxes | 16 | €408k | €424k | €440k | €456k |
| Amounts payable | 17/49 | €12.74M | €12.63M | €12.73M | €12.87M |
| Amounts payable after one year | 17 | €12.32M | €11.98M | €12.09M | €12.30M |
| Amounts payable within one year | 42/48 | €417k | €652k | €624k | €556k |
| Trade debts payable within one year | 44 | €138k | €152k | €125k | €133k |
| Income statement | |||||
| Gross operating margin | 9900 | €1.03M | €1.23M | €946k | €700k |
| Operating result | 9901 | €470k | €651k | €431k | €239k |
| Financial income | 75 | €8 | €30k | €3k | €130k |
| Financial charges | 65 | €339k | €528k | €487k | €253k |
| Result before taxes | 9903 | €132k | €153k | €-52k | €116k |
| Income taxes | 67/77 | €62k | €72k | €12k | €63k |
| Net result for the period | 9904 | €85k | €97k | €-48k | €69k |
| Result to be appropriated | 9905 | €133k | €145k | €22 | €117k |
Legal Structure
| NACE primary | Real estate agency activities(68310) |
| Legal form | Private limited company(610) |
| Incorporation | 09-04-1992 |
| Status | Active |
| Postal code | 2018 |
Establishment units
Immo Yaman Bvba
since 19922.057.416.421
Updates
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €2.07M ▲4.3%
2 profitable years in a row build equity to €2.07M.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 205 days late
2024
31-12
Financial
Back to profitnet €97k
Net result €97k after one loss-making year.
2023
31-12
Financial
Weakest financial yearnet €-48k ▼170%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 10.40
Current ratio from 4.48 to 10.40.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 67 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 166 days late
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 97 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Real estate agency activities68310Real estate activities68311
Names & trade names
| Legal nameNL | IMMO YAMAN |
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