IMMONOV
ActiveThe computed 12-month bankruptcy probability of IMMONOV is 1.7% (moderate). The 2024 annual accounts show equity of €298k and a net result of €82k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 36376 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
64
/ 100
Healthy▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency52▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.49 in 2023), and 58.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €298k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
61 d late
2022
85 d late
2021
90 d late
2020
31 d late
2019
89 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€298k▲ 37.9%
2023 · €216k
2018: €-12k
2019: €-13k
2020: €-14k
2021: €49k
2022: €155k
2023: €216k
2018 → 2024
Total assets
€722k▲ 27.4%
2023 · €567k
2018: €154k
2019: €60k
2020: €60k
2021: €200k
2022: €416k
2023: €567k
2018 → 2024
Net result
€82k▲ 34.2%
2023 · €61k
2018: €-6k
2019: €-1k
2020: €-1k
2021: €63k
2022: €106k
2023: €61k
2018 → 2024
Working capital
€-238k▼ 33.6%
2023 · €-178k
2018: €-12k
2019: €-13k
2020: €-14k
2021: €-11k
2022: €-96k
2023: €-178k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-14k-€49k€155k▲ 218%€216k▲ 39.3%€298k▲ 37.9%
Operating result€-825-€75k€144k▲ 92.5%€102k▼ 29.2%€128k▲ 25.2%
Net result€-1k-€63k€106k▲ 69.8%€61k▼ 42.6%€82k▲ 34.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 25% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €722k
Fixed assets
€536k▲ 35.9%
Current assets
€186k▲ 7.8%
Equity and liabilities €722k
Equity
€298k▲ 37.9%
Debt
€424k▲ 20.9%
The debt ratio falls from 61.9% to 58.7%: equity grows faster than debt.
Key figures and ratios
EBITDA
€182k▲
2023 · €163k
Cash flow
€136k▲
2023 · €122k
Solvency
41.3%▲
2023 · 38.1%
Current ratio
0.44▼
2023 · 0.49
Quick ratio
0.44▼
2023 · 0.49
Debt / equity
1.42▼
2023 · 1.62
ROE
27.5%▼
2023 · 28.2%
ROA
11.3%▲
2023 · 10.8%
Interest coverage
23.64▼
2023 · 23.98
Debt
€424k▲
2023 · €350k
Debt ≤ 1 year
€424k▲
2023 · €350k
Income taxes
€39k▲
2023 · €36k
Staff costs
€337▼
2023 · €993
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€567k€722k▲
Fixed assets21/28€394k€536k▲
Intangible fixed assets21€366k€520k▲
Tangible fixed assets22/27€27k€15k▼
Plant, machinery and equipment23€425€847▲
Furniture and vehicles24€27k€14k▼
Financial fixed assets28€800€800=
Current assets29/58€172k€186k▲
Amounts receivable within one year40/41€111k€137k▲
Trade receivables40€72k€69k▼
Other amounts receivable41€39k€68k▲
Cash at bank and in hand54/58€60k€43k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€567k€722k▲
Equity10/15€216k€298k▲
Contributions10/11€19k€19k=
Reserves13€61k€143k▲
Distributable reserves133€61k€143k▲
Profit (loss) carried forward14€136k€136k=
Amounts payable17/49€350k€424k▲
Amounts payable within one year42/48€350k€424k▲
Financial debts43€12k€12k=
Credit institutions430/8€12k€12k=
Trade debts44€102k€74k▼
Suppliers440/4€102k€74k▼
Taxes, remuneration and social security45€68k€44k▼
Taxes450/3€50k€41k▼
Remuneration and social security454/9€19k€4k▼
Other amounts payable47/48€168k€294k▲
Income statement
Code20232024
Non-recurring operating income76A€4k€3k▼
Remuneration, social security and pensions62€993€337▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€54k▼
Other operating charges640/8€17k€4k▼
Gross operating margin9900€181k€186k▲
Operating profit (loss)9901€102k€128k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€97k€121k▲
Income taxes67/77€36k€39k▲
Profit (loss) for the period9904€61k€82k▲
Profit (loss) for the period to be appropriated9905€61k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€197k€218k▲
Profit (loss) brought forward from the previous period14P€136k€136k=
Transfer to equity691/2€61k€82k▲
To other reserves6921€61k€82k▲
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Equity above €200kEq €216k ▲39.3%
3 profitable years in a row build equity to €216k.
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 85 days late
2022
31-12
Financial
Highest result since 2018net €106k ▲69.8%
Operating result €144k, net result €106k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲218%
2 profitable years in a row build equity to €155k.
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 90 days late
2021
31-12
Financial
Back to profitnet €63k
Net result €63k after 3 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 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, Anderlecht
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.
Demosthenesstraat 1311070 AnderlechtGround area
127 m²
Building footprint
145 m²
Volume, LiDAR
1,493 m³
Parcel 21302A0091/00K008, Brussels · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0091/00K008 | Brussels | 127 m² | 1 · 145 m² | 13.1 m · 3 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
ENA
BE 0454.883.280
Anderlues · Eq €298k
G. THEUNS EN ZOON
BE 0419.832.430
Kalmthout · Eq €298k
Kurt Vande Vyvere Bouwonderneming
BE 0447.089.232
Wingene · Eq €298k
BOUWONDERNEMING TOM CLAESSENS
BE 1004.246.839
Aalst · Eq €298k
GEBROEDERS VANDIERENDONCK
BE 0469.306.289
Lichtervelde · Eq €298k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 10,894 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-06-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
43320Joinery installation
43332Laying of wooden floor and wall coverings
43350Other building finishing work
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.