IMMOSAVI

Active

Private limited companyfounded 201016 yrs activeRue de Frameries (C.) 74, 7033 Mons, BelgiumKBO/BCE: BE 0823.878.111

Summary

IMMOSAVI has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €553,529 and a net result of €81,992. Equity is growing by ~9.4% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch Report Compare

IMMOSAVIActiveChecked score 95/100

Risk analysis Report Compare

What they do

Activity not known1 site

How big

€1.2mtotal assets 2025

Equity: €553,529
Profit: €81,992

Turnover not published (abridged schema)

Financially healthy?

95 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.1%

Who decides

Accounts filed 31 d late0 of 3 deeds read

Why 95- Latest accounts 31 days late; 1 of the last 3 late+ Size: total assets €1.2m+ No main activity registered+ Figures for FY 2025 (filed 31-08-2026)Show the evidence

Checked score

Score 2025

95 / 100

Excellent

Probability in this band: under 0.55%

Better than 57% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 69+5

equity 44.4% of total assets

Liquidity 55+3

short-term debt 12.2% · cash 5.0%

Profitability 77=

return on assets 6.6%

Bankruptcy probability, 12 months

0.1% Very low

0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%▲ +11.1% vs 12-2024 02-2025: 0.1%▲ +3.0% vs 01-2025 03-2025: 0.1%▼ -1.0% vs 02-2025 04-2025: 0.1%▼ -6.9% vs 03-2025 05-2025: 0.1%▲ +8.4% vs 04-2025 06-2025: 0.1%▲ +17.5% vs 05-2025 07-2025: 0.2%▲ +41.3% vs 06-2025 08-2025: 0.4%▲ +119% vs 07-2025 09-2025: 0.5%▲ +29.1% vs 08-2025highest value 10-2025: 0.1%▼ -89.7% vs 09-2025lowest value 11-2025: 0.1%● 0.0% vs 10-2025lowest value 12-2025: 0.1%● 0.0% vs 11-2025lowest value 01-2026: 0.1%● 0.0% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%▲ +4.0% vs 02-2026 04-2026: 0.1%▼ -3.8% vs 03-2026lowest value 05-2026: 0.1%▲ +6.0% vs 04-2026 06-2026: 0.1%▲ +18.9% vs 05-2026 07-2026: 0.1%▲ +23.8% vs 06-2026 08-2026: 0.2%▲ +188% vs 07-2026 09-2026: 0.1%▼ -72.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026

Size: total assets €1.2m lowers the probability for this profile
Latest accounts 31 days late; 1 of the last 3 late raises the probability
No main activity registered lowers the probability
Figures for FY 2025 (filed 31-08-2026) lowers the probability

Credit up to €50,000 at 30 days acceptable

Liquidity tight (current ratio 1.13 against 0.43 in 2024; short-term debt: 12.2% and cash: 5% of total assets), and 55.6% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (no NACE code, micro). Better than this share of them on solvency 41%, liquidity 51%, profitability 60%, growth against the median 74%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €1.2m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Latest accounts 31 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

Figures for FY 2025 (filed 31-08-2026)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

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 filings

Deviation from the deadline

2025

31 d late

2024

29 d late

2023

6 d early

2022

40 d early

2021

28 d late

2020

35 d early

2019

1220 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 7 accounts on average 175 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (2)

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 28 August (4 of the last 5 filed years within 33 days of that day).

Companies Code · seven months

Position in the running window

02-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage