IMMOPTIC WAVRE
ActiveIMMOPTIC WAVRE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €4k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 36% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▲+3
Solvency48▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.95 against 1.2 in 2024; short-term debt: 11.2% and cash: 0.2% of total assets), and 76.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
Sector 68
lower
← 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
23.5%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
29 d late
2020
30 d late
2019
29 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k
2024 · €-2k
2018: €-13k
2019: €-11k
2020: €-40k
2021: €8k
2022: €-17k
2023: €5k
2024: €-2k
2018 → 2025
Working capital
€-6k
2024 · €44k
2018: €95k
2019: €98k
2020: €90k
2021: €112k
2022: €91k
2023: €86k
2024: €44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€294k-€277k▼ 5.9%€282k▲ 1.7%€280k▼ 0.7%€283k▲ 1.3%
Operating result€30k-€17k▼ 42.6%€31k▲ 81.6%€26k▼ 15.1%€31k▲ 18.2%
Net result€8k-€-17k€5k€-2k€4k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€1.08M▲ 7.8%
Current assets
€128k▼ 50.8%
Equity and liabilities €1.21M
Equity
€283k▲ 1.3%
Debt
€923k▼ 5.9%
The debt ratio falls from 77.8% to 76.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€80k▲
2024 · €69k
Cash flow
€53k▲
2024 · €40k
Solvency
23.5%▲
2024 · 22.2%
Current ratio
0.95▼
2024 · 1.20
Quick ratio
0.95▼
2024 · 1.20
Debt / equity
3.26▼
2024 · 3.51
ROE
1.3%▲
2024 · -0.7%
ROA
0.3%▲
2024 · -0.2%
Interest coverage
2.78▲
2024 · 2.51
Debt
€923k▼
2024 · €981k
Debt ≤ 1 year
€135k▼
2024 · €217k
Debt > 1 year
€781k▲
2024 · €762k
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€1.26M€1.21M▼
Fixed assets21/28€1,000k€1.08M▲
Tangible fixed assets22/27€1,000k€1.08M▲
Land and buildings22€997k€1.07M▲
Plant, machinery and equipment23€3k€3k▼
Current assets29/58€261k€128k▼
Amounts receivable within one year40/41€126k€125k▼
Other amounts receivable41€126k€125k▼
Cash at bank and in hand54/58€135k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.21M▼
Equity10/15€280k€283k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€422k€422k=
Profit (loss) carried forward14€-204k€-201k▲
Amounts payable17/49€981k€923k▼
Amounts payable after more than one year17€762k€781k▲
Financial debts170/4€762k€781k▲
Amounts payable within one year42/48€217k€135k▼
Current portion of amounts payable after more than one year42€54k€60k▲
Trade debts44€149k€53k▼
Suppliers440/4€149k€53k▼
Other amounts payable47/48€14k€22k▲
Accrued charges and deferred income492/3€2k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€49k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€74k€86k▲
Operating profit (loss)9901€26k€31k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€30k€29k▼
Recurring financial charges65€27k€29k▲
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€-2k€4k▲
Profit (loss) for the period9904€-2k€4k▲
Profit (loss) for the period to be appropriated9905€-2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-204k€-201k▲
Profit (loss) brought forward from the previous period14P€-202k€-204k▼
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 42 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Wavre · 1 establishment unit since 2007
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.
Place Cardinal Mercier 31300 WavreGround area
118 m²
Building footprint
106 m²
Volume, LiDAR
1,293 m³
Parcel 25112M0260/00C000, Wallonia · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IMMOPTIC WAVRE
since 20072.160.279.278
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25112M0260/00C000 | Wallonia | 118 m² | 1 · 106 m² | 14.3 m · 4 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
TWAALF
BE 0550.883.685
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PRIMO PLUS
BE 0786.735.821
Diepenbeek · Eq €283k
VGH Projects
BE 0653.987.955
Aalst · Eq €283k
SOCOIMMO
BE 0447.143.472
Mons · Eq €283k
Onroerend Goed Invest
BE 0428.504.230
Izegem · Eq €283k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-01-2007
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
47742Retail sale of prescription glasses, lenses and sunglasses
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.