Immo2life
ActiveImmo2life has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.33M and a net result of €337k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 79% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €220k at 30 days acceptable
Liquidity ample (current ratio 2.99 against 3.22 in 2024), and 28.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
Sector 68
lower
← 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
71.3%
Return on assets
10.3%
Age of the figures
8 mo
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
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
59 d early
2023
58 d early
2022
62 d early
2021
62 d early
2020
54 d early
2019
55 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.33M▲ 16.9%
2024 · €2.00M
2018: €416k
2019: €638k
2020: €820k
2021: €1.14M
2022: €1.39M
2023: €1.65M
2024: €2.00M
2018 → 2025
Total assets
€3.27M▲ 17.4%
2024 · €2.79M
2018: €847k
2019: €909k
2020: €1.17M
2021: €1.39M
2022: €1.91M
2023: €2.64M
2024: €2.79M
2018 → 2025
Net result
€337k▼ 1.5%
2024 · €342k
2018: €117k
2019: €223k
2020: €182k
2021: €325k
2022: €250k
2023: €259k
2024: €342k
2018 → 2025
Working capital
€1.59M▲ 23.6%
2024 · €1.29M
2018: €143k
2019: €482k
2020: €213k
2021: €564k
2022: €470k
2023: €960k
2024: €1.29M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.14M-€1.39M▲ 21.8%€1.65M▲ 18.6%€2.00M▲ 20.7%€2.33M▲ 16.9%
Operating result€470k-€371k▼ 21.1%€378k▲ 1.9%€502k▲ 32.8%€491k▼ 2.2%
Net result€325k-€250k▼ 23.1%€259k▲ 3.8%€342k▲ 32.0%€337k▼ 1.5%
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.27M
Fixed assets
€882k▼ 4.1%
Current assets
€2.39M▲ 28.0%
Equity and liabilities €3.27M
Equity
€2.33M▲ 16.9%
Debt
€940k▲ 18.8%
The debt ratio rises from 28.4% to 28.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€548k▼
2024 · €558k
Cash flow
€394k▼
2024 · €398k
Solvency
71.3%▼
2024 · 71.6%
Current ratio
2.99▼
2024 · 3.22
Quick ratio
2.08▲
2024 · 1.96
Debt / equity
0.40▲
2024 · 0.40
ROE
14.5%▼
2024 · 17.1%
ROA
10.3%▼
2024 · 12.3%
Interest coverage
74.01▲
2024 · 57.66
Debt
€940k▲
2024 · €791k
Debt ≤ 1 year
€799k▲
2024 · €579k
Debt > 1 year
€140k▼
2024 · €210k
Income taxes
€162k▲
2024 · €159k
Staff costs
€10k▼
2024 · €40k
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€2.79M€3.27M▲
Fixed assets21/28€920k€882k▼
Tangible fixed assets22/27€918k€881k▼
Land and buildings22€420k€419k▼
Plant, machinery and equipment23€11k€9k▼
Furniture and vehicles24€54k€36k▼
Other tangible fixed assets26€434k€417k▼
Financial fixed assets28€1k€1k▲
Current assets29/58€1.87M€2.39M▲
Amounts receivable after more than one year29€100k€94k▼
Other amounts receivable291€100k€94k▼
Stocks and contracts in progress3€733k€733k=
Stocks30/36€733k€733k=
Amounts receivable within one year40/41€14k€47k▲
Trade receivables40€3k€35k▲
Other amounts receivable41€11k€12k▲
Current investments50/53€380k€650k▲
Cash at bank and in hand54/58€635k€861k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.79M€3.27M▲
Equity10/15€2.00M€2.33M▲
Contributions10/11€9k€9k=
Reserves13€1.00M€1.30M▲
Distributable reserves133€1.00M€1.30M▲
Profit (loss) carried forward14€985k€1.02M▲
Amounts payable17/49€791k€940k▲
Amounts payable after more than one year17€210k€140k▼
Financial debts170/4€210k€140k▼
Amounts payable within one year42/48€579k€799k▲
Current portion of amounts payable after more than one year42€70k€70k=
Trade debts44€9k€9k▲
Suppliers440/4€9k€9k▲
Taxes, remuneration and social security45€36k€32k▼
Taxes450/3€30k€32k▲
Remuneration and social security454/9€5k-
Other amounts payable47/48€465k€687k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€10k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€57k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-2k€-2k▲
Other operating charges640/8€9k€17k▲
Gross operating margin9900€605k€573k▼
Operating profit (loss)9901€502k€491k▼
Financial income75/76B€9k€16k▲
Recurring financial income75€9k€16k▲
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€501k€499k▼
Income taxes67/77€159k€162k▲
Profit (loss) for the period9904€342k€337k▼
Profit (loss) for the period to be appropriated9905€342k€337k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.29M€1.32M▲
Profit (loss) brought forward from the previous period14P€943k€985k▲
Transfer to equity691/2€300k€300k=
To other reserves6921€300k€300k=
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
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €2MEq €2.33M ▲16.9%
8 profitable years in a row build equity to €2.33M.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €342k ▲32%
Operating result €502k, net result €342k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 3.31
Current ratio from 1.64 to 3.31; short-term debt falls from €334k to €245k.
31-12
Financial
Equity above €1MEq €1.14M ▲39.6%
4 profitable years in a row build equity to €1.14M.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.87
Current ratio from 1.33 to 2.87; short-term debt falls from €432k to €258k.
31-12
Financial
Equity above €500kEq €638k ▲53.6%
2 profitable years in a row build equity to €638k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-06
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
5 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, Sint-Martens-Latem · 2 establishment units 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.
Warandedreef 49831 Sint-Martens-LatemGround area
3,428 m²
Building footprint
454 m²
Volume, LiDAR
3,502 m³
3 parcels, Flanders · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Immo2life
since 20152.258.557.205
Immo2life
since 20162.254.418.669
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0301/00N009 | Flanders | 3,029 m² | 1 · 172 m² | 9.9 m · 2 fl. |
| 44064B0335/00N003 | Flanders | 241 m² | 1 · 128 m² | 9.2 m · 2 fl. |
| 31333H0185/00A000 | Flanders | 158 m² | 1 · 154 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 · 1 entry · 104 EUR awarded · 104 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 104 EUR | 104 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
RESPECTEA INVEST
BE 0680.836.565
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GESIM
BE 0430.675.545
Charleroi · Eq €2.34M
IMMO DESCOLY
BE 0435.377.273
Kruisem · Eq €2.32M
JOSEPHA
BE 0444.151.914
Oostende · Eq €2.32M
SCHOUKENS
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Opwijk · Eq €2.35M
Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 2,579 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-08-2011
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
46180Agents specialised in the wholesale of other particular products
68312Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.