IMMOLO
ActiveSummary
IMMOLO has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.20M and a net result of €238k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 78% of 9234 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70▲+56
Solvency93▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €950k at 30 days acceptable
Liquidity tight (current ratio 1.2 against 1.13 in 2024; short-term debt: 29.6% and cash: 4.1% of total assets), and 31.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
68.2%
Return on assets
1.3%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
71 d late
2023
on the day
2022
on the day
2021
2 d early
2020
1 d early
2019
119 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€12.20M▲ 7.3%
2024 · €11.38M
2018: €4.24Mlowest in 8 years
2019: €12.69M▲ +199% vs 2018highest in 8 years
2020: €12.50M▼ -1.5% vs 2019
2021: €12.13M▼ -2.9% vs 2020
2022: €12.07M▼ -0.6% vs 2021
2023: €12.02M▼ -0.3% vs 2022
2024: €11.38M▼ -5.4% vs 2023
2025: €12.20M▲ +7.3% vs 2024
2018 → 2025
Total assets
€17.89M▼ 2.7%
2024 · €18.38M
2018: €7.04Mlowest in 8 years
2019: €13.63M▲ +93.8% vs 2018
2020: €13.44M▼ -1.4% vs 2019
2021: €13.25M▼ -1.4% vs 2020
2022: €12.90M▼ -2.7% vs 2021
2023: €22.55M▲ +74.9% vs 2022highest in 8 years
2024: €18.38M▼ -18.5% vs 2023
2025: €17.89M▼ -2.7% vs 2024
2018 → 2025
Net result
€238k
2024 · €-647k
2018: €-73k
2019: €8.45M▲ +11717% vs 2018highest in 8 years
2020: €-192k▼ -102% vs 2019
2021: €-361k▼ -87.9% vs 2020
2022: €-70k▲ +80.7% vs 2021
2023: €-37k▲ +47.1% vs 2022
2024: €-647k▼ -1660% vs 2023lowest in 8 years
2025: €238k▲ +137% vs 2024
2018 → 2025
Working capital
€1.04M▲ 20.8%
2024 · €858k
2018: €-642klowest in 8 years
2019: €6.38M▲ +1093% vs 2018
2020: €6.33M▼ -0.8% vs 2019
2021: €7.41M▲ +17.2% vs 2020highest in 8 years
2022: €7.29M▼ -1.6% vs 2021
2023: €7.35M▲ +0.9% vs 2022
2024: €858k▼ -88.3% vs 2023
2025: €1.04M▲ +20.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12.13M-€12.07M▼ 0.6%€12.02M▼ 0.3%€11.38M▼ 5.4%€12.20M▲ 7.3%
2021: €12.13M
2022: €12.07M▼ -0.6% vs 2021
2023: €12.02M▼ -0.3% vs 2022
2024: €11.38M▼ -5.4% vs 2023lowest in 5 years
2025: €12.20M▲ +7.3% vs 2024highest in 5 years
Operating result€-341k-€-67k▲ 80.4%€-99k▼ 47.8%€-702k▼ 612%€206k
2021: €-341k
2022: €-67k▲ +80.4% vs 2021
2023: €-99k▼ -47.8% vs 2022
2024: €-702k▼ -612% vs 2023lowest in 5 years
2025: €206k▲ +129% vs 2024highest in 5 years
Net result€-361k-€-70k▲ 80.7%€-37k▲ 47.1%€-647k▼ 1,660%€238k
2021: €-361k
2022: €-70k▲ +80.7% vs 2021
2023: €-37k▲ +47.1% vs 2022
2024: €-647k▼ -1660% vs 2023lowest in 5 years
2025: €238k▲ +137% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €206k after a loss of €702k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.89M
Fixed assets
€11.55M ▲ 5.4%
Current assets
€6.34M ▼ 14.6%
Equity and liabilities €17.89M
Equity
€12.20M ▲ 7.3%
Provisions
€127k ▼ 6.3%
Debt
€5.56M ▼ 19.1%
Debt's share of the balance-sheet total falls from 37.4% to 31.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€519k▲
2024 · €-598k
Cash flow
€551k▲
2024 · €-543k
Current ratio
1.20▲
2024 · 1.13
Quick ratio
0.39▼
2024 · 0.44
Debt to equity
0.46▼
2024 · 0.60
ROE
2.0%▲
2024 · -5.7%
ROA
1.3%▲
2024 · -3.5%
Interest coverage
72.12▲
2024 · -264.93
Debt ≤ 1 year
€5.30M▼
2024 · €6.57M
Debt > 1 year
€255k▼
2024 · €305k
Income taxes
€870▼
2024 · €953
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18.38M€17.89M▼
Fixed assets21/28€10.96M€11.55M▲
Tangible fixed assets22/27€9.46M€10.05M▲
Land and buildings22€9.29M€9.92M▲
Furniture and vehicles24€65k€34k▼
Other tangible fixed assets26€100k€100k=
Financial fixed assets28€1.50M€1.50M=
Current assets29/58€7.42M€6.34M▼
Stocks and contracts in progress3€4.53M€4.28M▼
Stocks30/36€4.53M€4.28M▼
Amounts receivable within one year40/41€2.64M€1.30M▼
Trade receivables40€55k€68k▲
Other amounts receivable41€2.59M€1.23M▼
Current investments50/53€950€950=
Cash at bank and in hand54/58€229k€740k▲
Deferred charges and accrued income490/1€19k€17k▼
Equity and liabilities
Total equity and liabilities10/49€18.38M€17.89M▼
Equity10/15€11.38M€12.20M▲
Contributions10/11€20k€20k=
Reserves13€2.41M€2.39M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€407k€382k▼
Distributable reserves133€2.00M€2.00M=
Profit (loss) carried forward14€8.95M€9.80M▲
Provisions and deferred taxes16€136k€127k▼
Deferred taxes168€136k€127k▼
Amounts payable17/49€6.87M€5.56M▼
Amounts payable after more than one year17€305k€255k▼
Financial debts170/4€305k€255k▼
Amounts payable within one year42/48€6.57M€5.30M▼
Trade debts44€25k€54k▲
Suppliers440/4€25k€54k▲
Taxes, remuneration and social security45€1.53M€184k▼
Taxes450/3€1.53M€184k▼
Other amounts payable47/48€5.01M€5.06M▲
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€104k€313k▲
Other operating charges640/8€34k€35k▲
Gross operating margin9900€-564k€554k▲
Operating profit (loss)9901€-702k€206k▲
Financial income75/76B€50k€31k▼
Recurring financial income75€50k€31k▼
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€-655k€230k▲
Transfer from deferred taxes780€8k€8k=
Income taxes67/77€953€870▼
Profit (loss) for the period9904€-647k€238k▲
Transfer from tax-exempt reserves789€25k€25k=
Profit (loss) for the period to be appropriated9905€-622k€263k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8.95M€9.80M▲
Profit (loss) brought forward from the previous period14P€9.57M€9.53M▼
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.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €95k | €117k | €113k | €104k | €313k | ▲ 200% |
| Other operating charges640/8 | €22k | €39k | €33k | €34k | €35k | ▲ 2.5% |
| Non-recurring operating charges66A | €279k | €0 | - | - | - | - |
| Gross operating margin9900 | €55k | €89k | €47k | €-564k | €554k | ▲ 198% |
| Operating profit (loss)9901 | €-341k | €-67k | €-99k | €-702k | €206k | ▲ 129% |
| Financial income75/76B | €4k | €14k | €56k | €50k | €31k | ▼ 37.4% |
| Recurring financial income75 | €4k | €13k | €56k | €50k | €31k | ▼ 37.4% |
| Non-recurring financial income76B | - | €728 | €0 | - | - | - |
| Financial charges65/66B | €32k | €24k | €2k | €2k | €7k | ▲ 219% |
| Recurring financial charges65 | €32k | €24k | €2k | €2k | €7k | ▲ 219% |
| Profit (loss) for the period before taxes9903 | €-369k | €-77k | €-44k | €-655k | €230k | ▲ 135% |
| Transfer from deferred taxes780 | €8k | €8k | €8k | €8k | €8k | = |
| Income taxes67/77 | - | €948 | €997 | €953 | €870 | ▼ 8.7% |
| Profit (loss) for the period9904 | €-361k | €-70k | €-37k | €-647k | €238k | ▲ 137% |
| Transfer from tax-exempt reserves789 | €25k | €25k | €25k | €25k | €25k | = |
| Profit (loss) for the period to be appropriated9905 | €-335k | €-44k | €-11k | €-622k | €263k | ▲ 142% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €13.25M | €12.90M | €22.55M | €18.38M | €17.89M | ▼ 2.7% |
| Fixed assets21/28 | €4.89M | €4.93M | €4.82M | €10.96M | €11.55M | ▲ 5.4% |
| Tangible fixed assets22/27 | €3.39M | €3.43M | €3.31M | €9.46M | €10.05M | ▲ 6.2% |
| Land and buildings22 | €3.28M | €3.20M | €3.12M | €9.29M | €9.92M | ▲ 6.7% |
| Plant, machinery and equipment23 | €8k | €0 | - | - | - | - |
| Furniture and vehicles24 | €117 | €124k | €93k | €65k | €34k | ▼ 47.6% |
| Other tangible fixed assets26 | €100k | €100k | €100k | €100k | €100k | = |
| Financial fixed assets28 | €1.50M | €1.50M | €1.50M | €1.50M | €1.50M | = |
| Current assets29/58 | €8.36M | €7.97M | €17.74M | €7.42M | €6.34M | ▼ 14.6% |
| Amounts receivable after more than one year29 | €339k | €0 | - | - | - | - |
| Trade receivables290 | €339k | - | - | - | - | - |
| Other amounts receivable291 | - | €0 | - | - | - | - |
| Stocks and contracts in progress3 | €1.55M | €5.38M | €14.76M | €4.53M | €4.28M | ▼ 5.6% |
| Stocks30/36 | €1.55M | €5.38M | €14.76M | €4.53M | €4.28M | ▼ 5.6% |
| Amounts receivable within one year40/41 | €1.11M | €1.15M | €1.18M | €2.64M | €1.30M | ▼ 50.8% |
| Trade receivables40 | €15k | €20k | €16k | €55k | €68k | ▲ 22.5% |
| Other amounts receivable41 | €1.09M | €1.13M | €1.16M | €2.59M | €1.23M | ▼ 52.3% |
| Current investments50/53 | €950 | €950 | €950 | €950 | €950 | = |
| Cash at bank and in hand54/58 | €5.36M | €1.43M | €1.79M | €229k | €740k | ▲ 223% |
| Deferred charges and accrued income490/1 | €11k | €13k | €9k | €19k | €17k | ▼ 11.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €13.25M | €12.90M | €22.55M | €18.38M | €17.89M | ▼ 2.7% |
| Equity10/15 | €12.13M | €12.07M | €12.02M | €11.38M | €12.20M | ▲ 7.3% |
| Contributions10/11 | €20k | €20k | €20k | €20k | €20k | = |
| Reserves13 | €2.49M | €2.46M | €2.44M | €2.41M | €2.39M | ▼ 1.1% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Tax-exempt reserves132 | €483k | €458k | €432k | €407k | €382k | ▼ 6.3% |
| Distributable reserves133 | €2.00M | €2.00M | €2.00M | €2.00M | €2.00M | = |
| Profit (loss) carried forward14 | €9.63M | €9.58M | €9.57M | €8.95M | €9.80M | ▲ 9.5% |
| Provisions and deferred taxes16 | €161k | €153k | €144k | €136k | €127k | ▼ 6.3% |
| Deferred taxes168 | €161k | €153k | €144k | €136k | €127k | ▼ 6.3% |
| Amounts payable17/49 | €954k | €679k | €10.38M | €6.87M | €5.56M | ▼ 19.1% |
| Amounts payable after more than one year17 | - | - | - | €305k | €255k | ▼ 16.3% |
| Financial debts170/4 | - | - | - | €305k | €255k | ▼ 16.3% |
| Amounts payable within one year42/48 | €951k | €679k | €10.38M | €6.57M | €5.30M | ▼ 19.3% |
| Trade debts44 | €54k | €673k | €929k | €25k | €54k | ▲ 120% |
| Suppliers440/4 | €54k | €673k | €929k | €25k | €54k | ▲ 120% |
| Taxes, remuneration and social security45 | - | €948 | €997 | €1.53M | €184k | ▼ 88.0% |
| Taxes450/3 | - | €948 | €997 | €1.53M | €184k | ▼ 88.0% |
| Other amounts payable47/48 | €898k | €5k | €9.45M | €5.01M | €5.06M | ▲ 1.0% |
| Accrued charges and deferred income492/3 | €3k | €0 | - | €1k | €3k | ▲ 100.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-361k | €-70k | €-37k | €-647k | €238k | ▲ 137% |
| + Depreciation and write-downs630 | €95k | €117k | €113k | €104k | €313k | ▲ 200% |
| Operating cash flow (approximation) | €-266k | €47k | €76k | €-543k | €551k | ▲ 201% |
| Investment in fixed assets (approximation) | - | €-158k | €0 | €-6.25M | €-903k | ▲ 85.6% |
| Change in cash | - | €-3.93M | €365k | €-1.56M | €511k | ▲ 133% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €238k
Net result €238k after 5 loss-making years.
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 71 days late
2024
31-12
Financial
Weakest financial yearnet €-647k
Net result drops to €-647k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 119 days late
2019
31-12
Financial
Back to profitnet €8.45M
Net result €8.45M after one loss-making year.
31-12
Financial
Liquidity times 12current ratio 9.30
Current ratio from 0.75 to 9.30; short-term debt falls from €2.54M to €769k.
31-12
Financial
Equity above €10MEq €12.69M ▲199%
Equity rises from €4.24M to €12.69M.
Show earlier events
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 79 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Lommel · 1 establishment unit since 1990
Ground area
4,986 m²
Building footprint
383 m²
Volume, LiDAR
2,306 m³
Parcel 72344D0441/00G000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
IMMOLO NV
since 19902.050.283.555
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72344D0441/00G000 | Flanders | 4,986 m² | 1 · 382 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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 · 1,080 EUR awarded · 1,080 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,080 EUR | 1,080 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. 1,920 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded29-06-1990
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
41001General construction of residential buildings
41003General construction of other non-residential buildings
68121Development of residential building projects
Scores and ratios are computed by Checked and are not a credit decision.