IMMOGUM

Active

Public limited companyfounded 2001active for 25 yearsRue du Fond Cattelain 1, 1435 Mont-Saint-Guibert, Belgium39 active companies are registered at this addressKBO/BCE: BE 0475.348.302

From the official registers: KBO 25 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

IMMOGUM has been active since 2001 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.4m and a net result of -€138,543. Equity has been growing by about 22% per year since 2018. Its solvency ranks better than 76% of 1,028 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisFollow Report Compare

IMMOGUMActiveChecked score 92/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 20-07-2001 Normal situation
Legal form: Public limited company
Registered office: Rue du Fond Cattelain 1, 1435 Mont-Saint-Guibert
Activity: General construction of residential buildings NACE 41001
Establishment unit: 2.098.435.939 1435 Mont-Saint-Guibert, since 04-10-2001
Financial year end: 31 December
Peppol: Reachable since 22-12-2025

Company details

Board and ownership

Board

Bernard JacquetManaging director
Francis LagardeManaging director
Séverine SpinosaManaging director

Shareholders

B.W. Promo100%annual accounts 2025

Board & ownership

Financial position

92 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.1%

Annual accounts 2025

Gross margin: -€18,264; ▲ 79.0%
Loss: €138,543; ▼ 11.8%
Equity: €2.4m; ▼ 5.5%
Total assets: €4.1m; ▲ 11.9%

2025 accounts filed 22 days before the deadline

Filed on 09-07-2026at the National Bank

Financials

Score breakdownraises riskSector: Construction of residential and non-residential buildings (NACE 41)Liquidity: current ratio 2.44, cash €48,898lowers riskSize: total assets €4.1mFounded in 2001Show the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Financially stronger than 39% of small companies in construction of buildings (NACE 41)

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Average

Solvency 84-11

equity 59.0% of total assets

Liquidity 32-5

short-term debt 41.0% · cash 1.2%

Profitability 29+2

return on assets -3.4%

Bankruptcy probability within 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (911 companies, NACE 41, small)

Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● unchanged vs 11-2024lowest value 01-2025: < 0.1%● unchanged vs 12-2024lowest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: 0.1%▲ +0.1 percentage points vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.5%▲ +0.4 percentage points vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.4%▼ -0.1 percentage points vs 08-2025 10-2025: 0.4%● unchanged vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.5%▲ +0.1 percentage points vs 02-2026 04-2026: 0.6%▲ +0.1 percentage points vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026highest value 08-2026: 0.1%▼ -0.5 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026

Credit of up to €210,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.44 (3.31 in 2024), above the usual 1.5. Short-term debt is 41% and cash 1.2% of total assets. 41% of the assets are financed with debt and provisions.

Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, small). It does better than 80% of them on solvency, 34% on liquidity, 17% on profitability and 25% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.

lowers riskraises riskneutral

Size: total assets €4.1m

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

Sector: Construction of residential and non-residential buildings (NACE 41)

KBO

Liquidity: current ratio 2.44, cash €48,898

NBB · annual accounts

Founded in 2001

Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.

KBO

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

1819202122232425

2018 to 2025 · latest year -€138,543

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

22 days early

2024

42 days early

2023

43 days early

2022

7 days late

2021

4 days late

2020

27 days late

2019

91 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since 2021.

KBO publications

Key points

Caution: Lower net result than 90% of companies in construction of buildingssector median €32,165 · 1,030 companies -€138,543 View
Caution: 2 loss-making years in a rowloss in financial year 2025 -€138,543 View

Documents

Key facts about IMMOGUM

What is the company number of IMMOGUM?: The company number of IMMOGUM is 0475.348.302. The VAT number is the same number with BE in front: BE 0475.348.302.
Where is IMMOGUM based?: The registered office is at Rue du Fond Cattelain 1, 1435 Mont-Saint-Guibert.Company details
What does IMMOGUM do?: According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of IMMOGUM?: The legal form of IMMOGUM is Public limited company (NV).
When was IMMOGUM founded?: IMMOGUM was founded on 20-07-2001.
Is IMMOGUM still active?: Yes, IMMOGUM is an active enterprise in the KBO register.
What is the turnover of IMMOGUM?: The annual accounts for financial year 2025 state no turnover.Financials
Is IMMOGUM profitable?: In financial year 2025, IMMOGUM made a loss of €138,543.
Where can I find the annual accounts of IMMOGUM?: IMMOGUM filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of IMMOGUM due?: IMMOGUM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Companies linked to IMMOGUM

Parent and group

B.W. Promo100%
B.W. CENTER69.38%

Comparable companies

These companies have the same main activity as IMMOGUM: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €3.1m and €4.7m, founded between 1995 and 2004.

Company	Total assets	Gross margin
IMMOGUM Mont-Saint-Guibert	€4.1m	-€0.02m
BERTELS WIM BOUWWERKEN Zandhoven	€4.0m	-€0.5m
KIMAUD Kruisem	€3.7m	-€0.03m
J. DE MULDER Dilbeek	€4.7m	-€0.1m
ALGEMEEN BOUWBEDRIJF VAN RUMST STEVEN Zele	€3.1m	-€0.03m
DE ZILVERTORENS Anderlecht	€4.6m	-€0.1m
MAES CONSTRUCTIE EN PROMOTIE Koksijde	€3.1m	-€0.2m