IMMODEV 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 €2.37M and a net result of €-2k. Equity is growing by ~57.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 5511 sector peers (fiscal year 2025). The company has been active since 2013 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
31 d early
2023
27 d early
2022
13 d early
2021
26 d early
2020
16 d late
2019
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.37M▼ 0.1%
2024 · €2.38M
2018: €194k
2019: €179k
2020: €311k
2021: €502k
2022: €2.17M
2023: €2.23M
2024: €2.38M
2018 → 2025
Net result
€-2k
2024 · €1.11M
2018: €980
2019: €-15k
2020: €132k
2021: €191k
2022: €1.67M
2023: €59k
2024: €1.11M
2018 → 2025
Total assets
€2.40M▼ 7.3%
2024 · €2.59M
2018: €857k
2019: €978k
2020: €1.30M
2021: €2.12M
2022: €2.25M
2023: €2.37M
2024: €2.59M
2018 → 2025
Solvency
98.9%▲ 7.1pp
2024 · 91.8%
2018: 22.6%
2019: 18.3%
2020: 24.0%
2021: 23.7%
2022: 96.6%
2023: 94.1%
2024: 91.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€502k-€2.17M▲ 333%€2.23M▲ 2.7%€2.38M▲ 6.5%€2.37M▼ 0.1%
Operating result€31k-€37k▲ 20.6%€38k▲ 1.7%€-13k€-52k▼ 304%
Net result€191k-€1.67M▲ 775%€59k▼ 96.4%€1.11M▲ 1,778%€-2k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €13k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.40M
Fixed assets
€18k▼ 5.9%
Current assets
€2.38M▼ 7.3%
Equity and liabilities €2.40M
Equity
€2.37M▼ 0.1%
Debt
€27k▼ 87.5%
The debt ratio falls from 8.2% to 1.1%. Equity and debt are lower.
Key figures and ratios
Solvency
98.9%▲
2024 · 91.8%
ROE
-0.1%▼
2024 · 46.9%
ROA
-0.1%▼
2024 · 43.0%
Debt
€27k▼
2024 · €213k
Debt ≤ 1 year
€27k▼
2024 · €213k
Income taxes
€0▼
2024 · €32k
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€2.59M€2.40M▼
Fixed assets21/28€19k€18k▼
Tangible fixed assets22/27€4k€3k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€15k€15k=
Current assets29/58€2.57M€2.38M▼
Amounts receivable after more than one year29€1.37M€1.17M▼
Other amounts receivable291€1.37M€1.17M▼
Amounts receivable within one year40/41€945k€967k▲
Trade receivables40€41k€12k▼
Other amounts receivable41€905k€956k▲
Current investments50/53-€229k
Cash at bank and in hand54/58€228k€6k▼
Deferred charges and accrued income490/1€23k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.59M€2.40M▼
Equity10/15€2.38M€2.37M▼
Contributions10/11€192k€192k=
Reserves13€2.18M€2.18M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€2.18M€2.18M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€213k€27k▼
Amounts payable within one year42/48€213k€27k▼
Trade debts44-€11k
Suppliers440/4-€11k
Taxes, remuneration and social security45€213k€16k▼
Taxes450/3€213k€16k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€968€998▲
Gross operating margin9900€-10k€-50k▼
Operating profit (loss)9901€-13k€-52k▼
Financial income75/76B€1.16M€51k▼
Recurring financial income75€60k€51k▼
Non-recurring financial income76B€1.10M€0▼
Financial charges65/66B€260€1k▲
Recurring financial charges65€260€1k▲
Profit (loss) for the period before taxes9903€1.14M€-2k▼
Income taxes67/77€32k€0▼
Profit (loss) for the period9904€1.11M€-2k▼
Profit (loss) for the period to be appropriated9905€1.11M€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.11M€-2k▼
Transfer from equity791/2€967k€2k▼
Transfer to equity691/2€1.11M€0▼
To other reserves6921€1.11M€0▼
Profit to be distributed694/7€967k€0▼
Return on contributions (dividend)694€967k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (12 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity times 7current ratio 89.17
Current ratio from 12.04 to 89.17; short-term debt falls from €213k to €27k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €1.67M ▲775%
Net result €1.67M, the highest in the series.
31-12
Financial
Liquidity times 24current ratio 23.59
Current ratio from 0.97 to 23.59; short-term debt falls from €1.62M to €77k.
31-12
Financial
Equity above €2MEq €2.17M ▲333%
3 profitable years in a row build equity to €2.17M.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €502k ▲61.3%
2 profitable years in a row build equity to €502k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 16 days late
2020
31-12
Financial
Back to profitnet €132k
Net result €132k after one loss-making year.
31-12
Financial
Equity above €200kEq €311k ▲73.7%
Equity rises from €179k to €311k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-15k ▼1591%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Tournai · 1 establishment unit since 2013
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.
Rue Forzeau(TEM) 19A7520 TournaiGround area
2,423 m²
Building footprint
363 m²
Volume, LiDAR
1,758 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
IMMODEV
since 20132.227.615.985
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57078D0197/00A000 | Wallonia | 1,744 m² | 1 · 270 m² | 7.2 m · 2 fl. |
| 57078A0230/00M000 | Wallonia | 679 m² | 1 · 93 m² | 6.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
699400XFFXC2U4WVCA93
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 10,379 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-10-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.