IMMOSCAF
ActiveSummary
IMMOSCAF has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €73k. Equity is growing by ~14.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 18400 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability96▲+21
Solvency90▲+10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.15 in 2024; short-term debt: 30.1% and cash: 8.6% of total assets), and 34.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
65.1%
Return on assets
21.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
31 d early
2023
34 d early
2022
33 d early
2021
51 d early
2020
9 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€222k▲ 49.0%
2024 · €149k
2018: €67klowest in 8 years
2019: €74k▲ +11.1% vs 2018
2020: €91k▲ +21.9% vs 2019
2021: €95k▲ +5.2% vs 2020
2022: €109k▲ +14.5% vs 2021
2023: €135k▲ +23.7% vs 2022
2024: €149k▲ +10.7% vs 2023
2025: €222k▲ +49.0% vs 2024highest in 8 years
2018 → 2025
Total assets
€342k▲ 25.3%
2024 · €273k
2018: €164k
2019: €167k▲ +1.5% vs 2018
2020: €164k▼ -1.6% vs 2019
2021: €160k▼ -2.7% vs 2020lowest in 8 years
2022: €294k▲ +84.2% vs 2021
2023: €278k▼ -5.7% vs 2022
2024: €273k▼ -1.7% vs 2023
2025: €342k▲ +25.3% vs 2024highest in 8 years
2018 → 2025
Net result
€73k▲ 409%
2024 · €14k
2018: €17k
2019: €7k▼ -56.0% vs 2018
2020: €16k▲ +120% vs 2019
2021: €5k▼ -71.1% vs 2020lowest in 8 years
2022: €14k▲ +194% vs 2021
2023: €26k▲ +87.1% vs 2022
2024: €14k▼ -44.4% vs 2023
2025: €73k▲ +409% vs 2024highest in 8 years
2018 → 2025
Working capital
€-56k▲ 46.9%
2024 · €-105k
2018: €-30k
2019: €-38k▼ -26.8% vs 2018
2020: €-45k▼ -19.4% vs 2019
2021: €-28k▲ +38.8% vs 2020highest in 8 years
2022: €-55k▼ -98.3% vs 2021
2023: €-78k▼ -43.6% vs 2022
2024: €-105k▼ -34.0% vs 2023lowest in 8 years
2025: €-56k▲ +46.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€95k-€109k▲ 14.5%€135k▲ 23.7%€149k▲ 10.7%€222k▲ 49.0%
2021: €95klowest in 5 years
2022: €109k▲ +14.5% vs 2021
2023: €135k▲ +23.7% vs 2022
2024: €149k▲ +10.7% vs 2023
2025: €222k▲ +49.0% vs 2024highest in 5 years
Operating result€11k-€26k▲ 138%€46k▲ 78.8%€28k▼ 38.1%€109k▲ 286%
2021: €11klowest in 5 years
2022: €26k▲ +138% vs 2021
2023: €46k▲ +78.8% vs 2022
2024: €28k▼ -38.1% vs 2023
2025: €109k▲ +286% vs 2024highest in 5 years
Net result€5k-€14k▲ 194%€26k▲ 87.1%€14k▼ 44.4%€73k▲ 409%
2021: €5klowest in 5 years
2022: €14k▲ +194% vs 2021
2023: €26k▲ +87.1% vs 2022
2024: €14k▼ -44.4% vs 2023
2025: €73k▲ +409% vs 2024highest in 5 years
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 2025; 2025 is 286% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €342k
Fixed assets
€295k ▲ 15.9%
Current assets
€47k ▲ 155%
Equity and liabilities €342k
Equity
€222k ▲ 49.0%
Debt
€119k ▼ 3.4%
Debt's share of the balance-sheet total falls from 45.3% to 34.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€132k▲
2024 · €48k
Cash flow
€95k▲
2024 · €34k
Current ratio
0.46▲
2024 · 0.15
Debt to equity
0.54▼
2024 · 0.83
ROE
32.9%▲
2024 · 9.6%
ROA
21.4%▲
2024 · 5.3%
Interest coverage
24.12▲
2024 · 7.01
Debt ≤ 1 year
€103k▼
2024 · €124k
Debt > 1 year
€17k
Income taxes
€31k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€273k€342k▲
Fixed assets21/28€254k€295k▲
Tangible fixed assets22/27€253k€293k▲
Land and buildings22€244k€249k▲
Furniture and vehicles24€2k€38k▲
Other tangible fixed assets26€7k€6k▼
Financial fixed assets28€2k€2k=
Current assets29/58€18k€47k▲
Amounts receivable within one year40/41€6k€13k▲
Other amounts receivable41€6k€13k▲
Cash at bank and in hand54/58€9k€29k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€273k€342k▲
Equity10/15€149k€222k▲
Contributions10/11€17k€17k=
Reserves13€132k€205k▲
Distributable reserves133€132k€205k▲
Profit (loss) carried forward14€53€211▲
Amounts payable17/49€124k€119k▼
Amounts payable after more than one year17-€17k
Financial debts170/4-€17k
Amounts payable within one year42/48€124k€103k▼
Current portion of amounts payable after more than one year42€26k€18k▼
Trade debts44€3k€9k▲
Suppliers440/4€3k€9k▲
Taxes, remuneration and social security45€14k€6k▼
Taxes450/3€14k€6k▼
Other amounts payable47/48€81k€70k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€22k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€52k€136k▲
Operating profit (loss)9901€28k€109k▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€7k€5k▼
Profit (loss) for the period before taxes9903€21k€104k▲
Income taxes67/77€7k€31k▲
Profit (loss) for the period9904€14k€73k▲
Profit (loss) for the period to be appropriated9905€14k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€73k▲
Profit (loss) brought forward from the previous period14P€679€53▼
Transfer to equity691/2€15k€73k▲
To other reserves6921€15k€73k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19k | €16k | €18k | €20k | €22k | ▲ 12.5% |
| Other operating charges640/8 | €3k | €19k | €6k | €4k | €4k | ▲ 5.1% |
| Gross operating margin9900 | €33k | €61k | €70k | €52k | €136k | ▲ 160% |
| Operating profit (loss)9901 | €11k | €26k | €46k | €28k | €109k | ▲ 286% |
| Financial income75/76B | €9 | - | - | - | - | - |
| Recurring financial income75 | €9 | - | - | - | - | - |
| Financial charges65/66B | €3k | €4k | €6k | €7k | €5k | ▼ 20.6% |
| Recurring financial charges65 | €3k | €4k | €6k | €7k | €5k | ▼ 20.6% |
| Profit (loss) for the period before taxes9903 | €8k | €21k | €39k | €21k | €104k | ▲ 385% |
| Income taxes67/77 | €3k | €8k | €13k | €7k | €31k | ▲ 336% |
| Profit (loss) for the period9904 | €5k | €14k | €26k | €14k | €73k | ▲ 409% |
| Profit (loss) for the period to be appropriated9905 | €5k | €14k | €26k | €14k | €73k | ▲ 409% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €160k | €294k | €278k | €273k | €342k | ▲ 25.3% |
| Fixed assets21/28 | €135k | €248k | €252k | €254k | €295k | ▲ 15.9% |
| Tangible fixed assets22/27 | €135k | €248k | €252k | €253k | €293k | ▲ 16.0% |
| Land and buildings22 | €133k | €244k | €244k | €244k | €249k | ▲ 2.1% |
| Furniture and vehicles24 | €2k | €338 | €124 | €2k | €38k | ▲ 1,735% |
| Other tangible fixed assets26 | - | €3k | €8k | €7k | €6k | ▼ 12.4% |
| Financial fixed assets28 | - | - | - | €2k | €2k | = |
| Current assets29/58 | €25k | €46k | €26k | €18k | €47k | ▲ 155% |
| Amounts receivable within one year40/41 | €907 | €8k | €3k | €6k | €13k | ▲ 117% |
| Other amounts receivable41 | €907 | €8k | €3k | €6k | €13k | ▲ 117% |
| Cash at bank and in hand54/58 | €21k | €36k | €21k | €9k | €29k | ▲ 210% |
| Deferred charges and accrued income490/1 | €3k | €3k | €3k | €3k | €4k | ▲ 51.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €160k | €294k | €278k | €273k | €342k | ▲ 25.3% |
| Equity10/15 | €95k | €109k | €135k | €149k | €222k | ▲ 49.0% |
| Contributions10/11 | €15k | €17k | €17k | €17k | €17k | = |
| Capital10 | €15k | - | - | - | - | - |
| Issued capital100 | €19k | - | - | - | - | - |
| Uncalled capital101 | €3k | - | - | - | - | - |
| Reserves13 | €80k | €92k | €117k | €132k | €205k | ▲ 55.2% |
| Non-distributable reserves130/1 | €2k | - | - | - | - | - |
| Legal reserve130 | €2k | - | - | - | - | - |
| Distributable reserves133 | €78k | €92k | €117k | €132k | €205k | ▲ 55.2% |
| Profit (loss) carried forward14 | €572 | €604 | €679 | €53 | €211 | ▲ 298% |
| Amounts payable17/49 | €64k | €185k | €143k | €124k | €119k | ▼ 3.4% |
| Amounts payable after more than one year17 | €6k | €75k | €26k | - | €17k | - |
| Financial debts170/4 | €6k | €75k | €26k | - | €17k | - |
| Amounts payable within one year42/48 | €52k | €101k | €104k | €124k | €103k | ▼ 16.8% |
| Current portion of amounts payable after more than one year42 | €6k | €6k | €25k | €26k | €18k | ▼ 32.1% |
| Trade debts44 | €376 | €4k | €2k | €3k | €9k | ▲ 247% |
| Suppliers440/4 | €376 | €4k | €2k | €3k | €9k | ▲ 247% |
| Taxes, remuneration and social security45 | €11k | €11k | €13k | €14k | €6k | ▼ 57.2% |
| Taxes450/3 | €11k | €11k | €13k | €14k | €6k | ▼ 57.2% |
| Other amounts payable47/48 | €35k | €79k | €64k | €81k | €70k | ▼ 13.1% |
| Accrued charges and deferred income492/3 | €6k | €9k | €13k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €14k | €26k | €14k | €73k | ▲ 409% |
| + Depreciation and write-downs630 | €19k | €16k | €18k | €20k | €22k | ▲ 12.5% |
| Operating cash flow (approximation) | €24k | €30k | €44k | €34k | €95k | ▲ 179% |
| Investment in fixed assets (approximation) | - | €-129k | €-22k | €-22k | €-63k | ▼ 179% |
| Change in cash | - | €15k | €-15k | €-11k | €20k | ▲ 281% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €73k ▲409%
Operating result €109k, net result €73k, both a record.
31-12
Financial
Equity above €200kEq €222k ▲49%
8 profitable years in a row build equity to €222k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €109k ▲14.5%
5 profitable years in a row build equity to €109k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €5k ▼71.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Binche
Ground area
271 m²
Building footprint
59 m²
Volume, LiDAR
578 m³
Parcel 56011D0151/00S004, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56011D0151/00S004 | Wallonia | 271 m² | 1 · 59 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
ROLUS ALAIN
BE 0466.490.717
Paliseul · Eq €222k
LSM Shop
BE 0663.781.292
Verviers · Eq €221k
TRUCK PARTS LUC BRUYNINX
BE 0429.283.891
Hasselt · Eq €224k
F.R.T. 2000
BE 0468.641.840
Vorst · Eq €220k
BART HEYLEN
BE 0894.422.053
Ranst · Eq €225k
Of 1,265 companies in sector 47300 we hold annual accounts for 948. 758 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-06-1999
Fiscal year end31-12
Activities, NACEBEL 2025
47300Retail sale of automotive fuel
Scores and ratios are computed by Checked and are not a credit decision.