immopunt
Activeimmopunt has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €289k and a net result of €13k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 64% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-15
Solvency73▼-22
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 2.71 in 2024; short-term debt: 51.7% and cash: 55% of total assets), but 51.7% 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○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
48.3%
Return on assets
2.1%
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 11-09-2026, 42 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
42 d late
2024
70 d late
2023
48 d early
2022
507 d late
2021
31 d late
2020
194 d late
2019
61 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€289k▲ 4.6%
2024 · €276k
2018: €121k
2019: €146k
2020: €238k
2021: €235k
2022: €264k
2023: €217k
2024: €276k
2018 → 2025
Total assets
€597k▲ 51.9%
2024 · €393k
2018: €217k
2019: €343k
2020: €390k
2021: €300k
2022: €420k
2023: €414k
2024: €393k
2018 → 2025
Net result
€13k▼ 76.9%
2024 · €55k
2018: €28k
2019: €26k
2020: €92k
2021: €1k
2022: €29k
2023: €-47k
2024: €55k
2018 → 2025
Working capital
€180k▼ 10.5%
2024 · €201k
2018: €116k
2019: €139k
2020: €147k
2021: €124k
2022: €158k
2023: €135k
2024: €201k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€235k-€264k▲ 12.3%€217k▼ 17.8%€276k▲ 27.2%€289k▲ 4.6%
Operating result€-282-€48k€-42k€64k€17k▼ 73.9%
Net result€1k-€29k▲ 2,071%€-47k€55k€13k▼ 76.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €597k
Fixed assets
€109k▲ 45.3%
Current assets
€489k▲ 53.4%
Equity and liabilities €597k
Equity
€289k▲ 4.6%
Debt
€309k▲ 163%
The debt ratio rises from 29.9% to 51.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▼
2024 · €81k
Cash flow
€50k▼
2024 · €72k
Solvency
48.3%▼
2024 · 70.1%
Current ratio
1.58▼
2024 · 2.71
Quick ratio
1.58▼
2024 · 2.71
Debt / equity
1.07▲
2024 · 0.43
ROE
4.4%▼
2024 · 19.8%
ROA
2.1%▼
2024 · 13.9%
Interest coverage
180.58▲
2024 · 27.38
Debt
€309k▲
2024 · €117k
Debt ≤ 1 year
€309k▲
2024 · €117k
Income taxes
€8k▼
2024 · €10k
Staff costs
€312k▲
2024 · €260k
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€393k€597k▲
Fixed assets21/28€75k€109k▲
Intangible fixed assets21-€45k
Tangible fixed assets22/27€75k€64k▼
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€8k€7k▼
Other tangible fixed assets26€51k€45k▼
Current assets29/58€319k€489k▲
Amounts receivable within one year40/41€113k€160k▲
Trade receivables40€74k€61k▼
Other amounts receivable41€40k€99k▲
Cash at bank and in hand54/58€205k€329k▲
Equity and liabilities
Total equity and liabilities10/49€393k€597k▲
Equity10/15€276k€289k▲
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€268k€281k▲
Amounts payable17/49€117k€309k▲
Amounts payable within one year42/48€117k€309k▲
Current portion of amounts payable after more than one year42€2k-
Trade debts44€72k€278k▲
Suppliers440/4€72k€278k▲
Taxes, remuneration and social security45€44k€31k▼
Taxes450/3€7k€3k▼
Remuneration and social security454/9€37k€28k▼
Income statement
Code20242025
Remuneration, social security and pensions62€260k€312k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€37k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€343k€368k▲
Operating profit (loss)9901€64k€17k▼
Financial income75/76B€4k€4k▼
Recurring financial income75€3k€4k▲
Non-recurring financial income76B€375-
Financial charges65/66B€3k€300▼
Recurring financial charges65€3k€300▼
Profit (loss) for the period before taxes9903€65k€20k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€55k€13k▼
Profit (loss) for the period to be appropriated9905€55k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€264k€281k▲
Profit (loss) brought forward from the previous period14P€209k€268k▲
Shareholders' contribution to the loss794€4k-
The notes to these accounts (10 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 70 days late
2024
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 507 days late
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-47k ▼263%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 194 days late
2020
31-12
Financial
Highest result since 2018net €92k ▲258%
Operating result €109k, net result €92k, both a record.
31-12
Financial
Equity above €200kEq €238k ▲62.9%
3 profitable years in a row build equity to €238k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Tienen · 1 establishment unit since 1997
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.
Waaibergstraat 923300 TienenGround area
483 m²
Building footprint
164 m²
Volume, LiDAR
1,029 m³
Parcel 24593H0072/00H000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ERA immopunt
since 19972.084.356.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24593H0072/00H000 | Flanders | 483 m² | 1 · 164 m² | 10.5 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 11,051 EUR awarded · 11,051 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 690 EUR | 690 EUR |
| 2024 | 1 | 3,825 EUR | 3,825 EUR |
| 2023 | 1 | 1,136 EUR | 1,136 EUR |
| 2022 | 1 | 5,400 EUR | 5,400 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,906. 4,986 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-1997
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68322Real estate appraisal on a fee or contract basis
68329Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.