IMMOLOUK
ActiveSummary
IMMOLOUK has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,015 and a net result of €13,967. Equity is growing by ~74.9% per year across the filed fiscal years. Its solvency ranks better than 23% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability70=
Solvency27▲+1
Growth85=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 66.6% and cash: 0.6% of total assets), and 98.3% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 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
1.7%
Return on assets
1%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 14254 sector peers (2025).
NBB · sector comparisonPosition among 14254 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 5 filingsDeviation from the deadline
2025
28 d late
2024
19 d late
2023
63 d early
2022
42 d early
2021
41 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
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. Usually files around 20 June (4 of the last 5 filed years within 60 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
In the rankings
#10 company by total assets in Frameries, Real estate sector
Turnover
€89,887▲ 8.8%
2022 · €82,592
EBIT margin
23.8%▲ 0.4pp
2022 · 23.4%
Net result
€13,967▼ 11.1%
2024 · €15,709
Working capital
-€951,314▼ 35.2%
2024 · -€703,540
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€28,583-€82,592▲ 189%€89,887▲ 8.8%
Operating result-€29,000-€19,315€21,392▲ 10.8%€25,218▲ 17.9%€27,031▲ 7.2%
Net result-€32,175below the sector's middle half-€11,471within the sector's middle half€14,043within the sector's middle half▲ 22.4%€15,709within the sector's middle half▲ 11.9%€13,967within the sector's middle half▼ 11.1%
EBIT margin-101.5%-23.4%▲ 124.8pp23.8%▲ 0.4pp
Equity-€30,175below the sector's middle half--€18,704below the sector's middle half▲ 38.0%-€4,661below the sector's middle half▲ 75.1%€11,048within the sector's middle half€25,015within the sector's middle half▲ 126%
Total assets€919,824within the sector's middle half-€1.1mabove the sector's middle half▲ 22.9%€1.3mabove the sector's middle half▲ 11.9%€1.2mabove the sector's middle half▼ 3.3%€1.4mabove the sector's middle half▲ 18.1%
Debt€949,999-€1.1m▲ 20.9%€1.3m▲ 10.5%€1.2m▼ 4.5%€1.4m▲ 17.2%
Working capital-€309,347below the sector's middle half--€550,208below the sector's middle half▼ 77.9%-€717,788below the sector's middle half▼ 30.5%-€703,540below the sector's middle half▲ 2.0%-€951,314below the sector's middle half▼ 35.2%
Solvency-3.3%below the sector's middle half--1.7%below the sector's middle half▲ 1.6pp-0.4%below the sector's middle half▲ 1.3pp0.9%below the sector's middle half▲ 1.3pp1.7%below the sector's middle half▲ 0.8pp
Current ratio0.04below the sector's middle half-0.02below the sector's middle half▼ 0.020.01below the sector's middle half▼ 0.010.01below the sector's middle half=0.01below the sector's middle half=
Return on assets (ROA)-3.5%below the sector's middle half-1.0%within the sector's middle half▲ 4.5pp1.1%within the sector's middle half▲ 0.1pp1.3%within the sector's middle half▲ 0.2pp1.0%within the sector's middle half▼ 0.3pp
Staff (FTE)1
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€1.4m ▲ 18.1%
Current assets
€10,875 ▲ 21.9%
Equity and liabilities €1.4m
Equity
€25,015 ▲ 126%
Debt
€1.4m ▲ 17.2%
Debt's share of the balance-sheet total falls from 99.1% to 98.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€84,321▲
2024 · €73,417
Cash flow
€71,257▲
2024 · €63,908
Debt to equity
56.76
ROE
55.8%▼
2024 · 142.2%
Interest coverage
13.18▲
2024 · 10.68
Debt ≤ 1 year
€962,189▲
2024 · €712,458
Debt > 1 year
€457,786▼
2024 · €499,586
Income taxes
€6,668▲
2024 · €2,634
Staff costs
€2,022
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,250 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a profit under 5% of the balance sheet
2.4%
went bankrupt
2.6%
stopped otherwise
94%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,250 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €28,583 | €82,592 | €89,887 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €29,641 | €24,469 | €18,704 | - | - | - |
| Remuneration, social security and pensions62 | - | €346 | €41 | - | €2,022 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €25,969 | €34,093 | €44,896 | €48,199 | €57,289 | ▲ 18.9% |
| Other operating charges640/8 | €1,973 | €4,369 | €4,853 | €5,983 | €9,758 | ▲ 63.1% |
| Gross operating margin9900 | -€1,058 | €58,123 | €71,182 | €79,400 | €96,100 | ▲ 21.0% |
| Operating profit (loss)9901 | -€29,000 | €19,315 | €21,392 | €25,218 | €27,031 | ▲ 7.2% |
| Financial charges65/66B | €3,176 | €7,844 | €7,349 | €6,875 | €6,396 | ▼ 7.0% |
| Recurring financial charges65 | €3,176 | €7,844 | €7,349 | €6,875 | €6,396 | ▼ 7.0% |
| Profit (loss) for the period before taxes9903 | -€32,175 | €11,471 | €14,043 | €18,343 | €20,635 | ▲ 12.5% |
| Income taxes67/77 | - | - | - | €2,634 | €6,668 | ▲ 153% |
| Profit (loss) for the period9904 | -€32,175 | €11,471 | €14,043 | €15,709 | €13,967 | ▼ 11.1% |
| Profit (loss) for the period to be appropriated9905 | -€32,175 | €11,471 | €14,043 | €15,709 | €13,967 | ▼ 11.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €919,824 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 18.1% |
| Fixed assets21/28 | €907,059 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 18.1% |
| Tangible fixed assets22/27 | €907,059 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 18.1% |
| Land and buildings22 | €907,059 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 18.0% |
| Assets under construction and advance payments27 | - | - | - | - | €1,554 | - |
| Current assets29/58 | €12,764 | €12,876 | €8,752 | €8,918 | €10,875 | ▲ 21.9% |
| Amounts receivable within one year40/41 | - | - | - | - | €715 | - |
| Trade receivables40 | - | - | - | - | €715 | - |
| Cash at bank and in hand54/58 | €12,764 | €12,876 | €8,752 | €8,918 | €8,232 | ▼ 7.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €1,928 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €919,824 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 18.1% |
| Equity10/15 | -€30,175 | -€18,704 | -€4,661 | €11,048 | €25,015 | ▲ 126% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Reserves13 | - | - | - | - | €13,965 | - |
| Distributable reserves133 | - | - | - | - | €13,965 | - |
| Profit (loss) carried forward14 | -€32,175 | -€20,704 | -€6,661 | €9,048 | €9,050 | = |
| Amounts payable17/49 | €949,999 | €1.1m | €1.3m | €1.2m | €1.4m | ▲ 17.2% |
| Amounts payable after more than one year17 | €627,888 | €585,633 | €542,867 | €499,586 | €457,786 | ▼ 8.4% |
| Financial debts170/4 | €627,888 | €585,633 | €542,867 | €499,586 | €452,108 | ▼ 9.5% |
| Other amounts payable178/9 | - | - | - | - | €5,678 | - |
| Amounts payable within one year42/48 | €322,111 | €563,084 | €726,539 | €712,458 | €962,189 | ▲ 35.1% |
| Current portion of amounts payable after more than one year42 | €41,752 | €43,256 | €45,965 | €48,801 | €47,478 | ▼ 2.7% |
| Trade debts44 | €554 | €23 | - | €0 | €38 | - |
| Suppliers440/4 | €554 | €23 | - | €0 | €38 | - |
| Taxes, remuneration and social security45 | - | - | - | €2,634 | €4,451 | ▲ 69.0% |
| Taxes450/3 | - | - | - | €2,634 | €4,301 | ▲ 63.3% |
| Remuneration and social security454/9 | - | - | - | - | €150 | - |
| Other amounts payable47/48 | €279,805 | €519,805 | €680,574 | €661,023 | €910,222 | ▲ 37.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€32,175 | €11,471 | €14,043 | €15,709 | €13,967 | ▼ 11.1% |
| + Depreciation and write-downs630 | €25,969 | €34,093 | €44,896 | €48,199 | €57,289 | ▲ 18.9% |
| Operating cash flow (approximation) | -€6,207 | €45,564 | €58,939 | €63,908 | €71,257 | ▲ 11.5% |
| Investment in fixed assets (approximation) | - | -€244,170 | -€183,754 | -€6,379 | -€277,231 | ▼ 4,246% |
| Change in cash | - | €112 | -€4,125 | €166 | -€686 | ▼ 513% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Highest result since 2021net €15,709 ▲11.9%
Net result €15,709, the highest in the series.
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €11,471
Net result €11,471 after one loss-making year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Frameries · 1 establishment unit since 2021
Ground area
165 m²
Building footprint
49 m²
Volume, LiDAR
421 m³
Parcel 53028D0298/00W004, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IMMOLOUK
since 20212.317.918.532
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53028D0298/00W004 | Wallonia | 165 m² | 1 · 49 m² | 10.3 m · 3 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.
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Of 9,146 companies in sector 68201 we hold annual accounts for 6,775. 2,513 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
Founded12-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
Phone
0471313011Frameries
E-invoicing
Not found in the Peppol register
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.