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IMMODEN

Active
Private limited company (pre-2019)founded 198739 yrs activeDennenlaan 2, 2970 Schilde, BelgiumKBO/BCE: BE 0430.661.786

IMMODEN has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €8k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 80% of 1512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Checked score

Score 2025
73 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency94▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.45 against 2.4 in 2024; short-term debt: 30.1% and cash: 0% of total assets), and 30.6% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
elevated failure risk from 2 to 8 years 39 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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 2025
Solvency, return and age of the figures
Solvency
69.4%
Return on assets
3.3%
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 29-08-2026, 29 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 filings
Deviation from the deadline
2025
29 d late
2024
60 d late
2023
75 d late
2022
61 d late
2021
92 d late
2020
58 d late
2019
11 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 months
Position in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€166k▲ 5.0%
2024 · €158k
2018: €96k 2019: €107k 2020: €126k 2021: €140k 2022: €158k 2023: €149k 2024: €158k
2018 → 2025
Total assets
€239k▲ 3.2%
2024 · €232k
2018: €205k 2019: €199k 2020: €212k 2021: €218k 2022: €234k 2023: €220k 2024: €232k
2018 → 2025
Net result
€8k▼ 19.2%
2024 · €10k
2018: €-979 2019: €11k 2020: €19k 2021: €15k 2022: €18k 2023: €-9k 2024: €10k
2018 → 2025
Working capital
€104k▲ 7.6%
2024 · €97k
2018: €58k 2019: €58k 2020: €71k 2021: €84k 2022: €101k 2023: €90k 2024: €97k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€140k-€158k▲ 12.5%€149k▼ 6.0%€158k▲ 6.6%€166k▲ 5.0%
Operating result€19k-€18k▼ 2.5%€-15k€4k€1k▼ 60.9%
Net result€15k-€18k▲ 17.7%€-9k€10k€8k▼ 19.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-20k€-10k€0€10k€20kOperating result 2021: €19k€19kNet result 2021: €15k€15kOperating result 2022: €18k€18kNet result 2022: €18k€18kOperating result 2023: €-15k€-15kNet result 2023: €-9k€-9kOperating result 2024: €4k€4kNet result 2024: €10k€10kOperating result 2025: €1k€1kNet result 2025: €8k€8k20212022202320242025
The operating result falls in 2025; 2025 is 61% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets €63k▼ 4.4%
Current assets €176k▲ 6.3%
Equity and liabilities €239k
Equity €166k▲ 5.0%
Debt €73k▼ 0.5%
The debt ratio falls from 31.7% to 30.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€4k
2024 · €6k
Cash flow
€11k
2024 · €13k
Solvency
69.4%
2024 · 68.3%
Current ratio
2.45
2024 · 2.40
Quick ratio
2.45
2024 · 2.40
Debt / equity
0.44
2024 · 0.47
ROE
4.7%
2024 · 6.2%
ROA
3.3%
2024 · 4.2%
Interest coverage
7.76
2024 · 7.65
Debt
€73k
2024 · €74k
Debt ≤ 1 year
€72k
2024 · €69k
Debt > 1 year
€1k
2024 · €5k
Income taxes
€2k
2024 · €3k
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€232k€239k
Fixed assets21/28€66k€63k
Tangible fixed assets22/27€59k€56k
Land and buildings22€59k€56k
Financial fixed assets28€7k€7k=
Current assets29/58€166k€176k
Amounts receivable after more than one year29€73k€71k
Other amounts receivable291€73k€71k
Amounts receivable within one year40/41€83k€95k
Trade receivables40€0-
Other amounts receivable41€83k€95k
Cash at bank and in hand54/58€19€41
Deferred charges and accrued income490/1€10k€10k
Equity and liabilities
Total equity and liabilities10/49€232k€239k
Equity10/15€158k€166k
Contributions10/11€19k€19k=
Reserves13€140k€148k
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€138k€146k
Amounts payable17/49€74k€73k
Amounts payable after more than one year17€5k€1k
Financial debts170/4€5k€1k
Amounts payable within one year42/48€69k€72k
Current portion of amounts payable after more than one year42€3k€3k
Trade debts44€8k€9k
Suppliers440/4€8k€9k
Taxes, remuneration and social security45€4k€6k
Taxes450/3€4k€6k
Other amounts payable47/48€54k€54k
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k
Other operating charges640/8€3k€3k
Gross operating margin9900€10k€7k
Operating profit (loss)9901€4k€1k
Financial income75/76B€10k€9k
Recurring financial income75€10k€9k
Financial charges65/66B€845€562
Recurring financial charges65€845€562
Profit (loss) for the period before taxes9903€12k€10k
Income taxes67/77€3k€2k
Profit (loss) for the period9904€10k€8k
Profit (loss) for the period to be appropriated9905€10k€8k
Appropriation of the result
Profit (loss) to be appropriated9906€10k€8k
Transfer from equity791/2€0-
Transfer to equity691/2€10k€8k
To other reserves6921€10k€8k

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
29-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial Equity above €150kEq €158k ▲6.6%
Equity rises from €149k to €158k.
14-10
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
31-12
Financial Weakest financial yearnet €-9k ▼154%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial Equity above €150kEq €158k ▲12.5%
4 profitable years in a row build equity to €158k.
31-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
27-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 58 days late
2020
31-12
Financial Highest result since 2018net €19k ▲71.6%
Operating result €22k, net result €19k, both a record.
20-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial Equity above €100kEq €107k ▲11.2%
Equity rises from €96k to €107k.
04-06
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
19-06
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
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, Schilde · 1 establishment unit since 1987
establishment The establishment unit on the map
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.

Dennenlaan 22970 Schilde
Ground area
2,222 m²
Building footprint
184 m²
Volume, LiDAR
1,285 m³
Parcel 11039D0198/00N005, Flanders · tallest building 17.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMODEN NV
Dennenlaan 2, 2970 SchildeInsurance, reinsurance and pension funding, except compulsory social security
since 19872.031.494.952
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11039D0198/00N005 Flanders 2,222 m² 1 · 184 m² 17.0 m · 2 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.

Similar companies · same sector, comparable size

Of 881 companies in sector 77229 we hold annual accounts for 319. 247 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company (pre-2019)
Founded20-02-1987
Fiscal year end31-12
Activities, NACEBEL
71408
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.