IMMOPINTO
ActiveIMMOPINTO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €530. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 43% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-1
Solvency66▲+1
Growth85=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 1.72 against 1.74 in 2024; short-term debt: 58.3% and cash: 14.6% of total assets), but 58.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
5 d early
2022
3 d late
2021
23 d late
2020
26 d late
2019
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€12k▲ 1,872%
2021 · €613
2019: €755
2021: €613
2019 → 2022
EBIT margin
34.0%▲ 97.0pp
2021 · -62.9%
2019: -101.3%
2021: -62.9%
2019 → 2022
Net result
€530▼ 13.3%
2024 · €611
2019: €90
2020: €-1k
2021: €804
2022: €3k
2023: €647
2024: €611
2019 → 2025
Working capital
€15k▼ 1.6%
2024 · €15k
2019: €11k
2020: €9k
2021: €10k
2022: €13k
2023: €14k
2024: €15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€613-€12k▲ 1,872%
Equity€10k-€13k▲ 29.9%€14k▲ 4.9%€14k▲ 4.4%€15k▲ 3.7%
Operating result€-386-€4k€-301€-537▼ 78.7%€-679▼ 26.4%
Net result€804-€3k▲ 276%€647▼ 78.6%€611▼ 5.6%€530▼ 13.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €679 in 2025 against €537 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
Equity and liabilities €36k
Equity
€15k▲ 3.7%
Debt
€21k▼ 1.9%
The debt ratio falls from 60.2% to 58.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
41.1%▲
2024 · 39.8%
Current ratio
1.72▼
2024 · 1.74
Quick ratio
1.72▼
2024 · 1.74
Debt / equity
1.43▼
2024 · 1.51
ROE
3.5%▼
2024 · 4.2%
ROA
1.5%▼
2024 · 1.7%
Debt
€21k▼
2024 · €22k
Debt ≤ 1 year
€21k▲
2024 · €21k
Income taxes
€198▼
2024 · €229
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€36k€36k▲
Current assets29/58€36k€36k▲
Amounts receivable within one year40/41€30k€31k▲
Trade receivables40€110€2k▲
Other amounts receivable41€30k€29k▼
Cash at bank and in hand54/58€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€36k€36k▲
Equity10/15€14k€15k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€6k€7k▲
Amounts payable17/49€22k€21k▼
Amounts payable within one year42/48€21k€21k▲
Trade debts44€18k€19k▲
Suppliers440/4€18k€19k▲
Taxes, remuneration and social security45€229€198▼
Taxes450/3€229€198▼
Other amounts payable47/48€2k€2k=
Accrued charges and deferred income492/3€984€216▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€2k€629▼
Other operating charges640/8€424€400▼
Gross operating margin9900€-113€-279▼
Operating profit (loss)9901€-537€-679▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€50€100▲
Recurring financial charges65€50€100▲
Profit (loss) for the period before taxes9903€840€728▼
Income taxes67/77€229€198▼
Profit (loss) for the period9904€611€530▼
Profit (loss) for the period to be appropriated9905€611€530▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€7k▲
Profit (loss) brought forward from the previous period14P€6k€6k▲
The notes to these accounts (2 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-06
Financial
Highest result since 2019net €3k ▲276%
Operating result €4k, net result €3k, both a record.
23-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
30-06
Financial
Back to profitnet €804
Net result €804 after one loss-making year.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
30-06
Financial
Weakest financial yearnet €-1k ▼1745%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Of 4,096 companies in sector 43240 we hold annual accounts for 1,631. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2014
Fiscal year end30-06
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.