IMMOSIN
ActiveIMMOSIN has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.66M and a net result of €476k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent▲ +54 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency68▼-6
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 9.46 against 2.76 in 2024), but 71.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
28.5%
Return on assets
8.2%
Age of the figures
8 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
13 d late
2022
22 d late
2021
31 d late
2020
1 d late
2019
16 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
15-09-2026 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
€476k
2024 · €-64k
2019: €6k
2020: €234k
2021: €70k
2022: €33k
2023: €32k
2024: €-64k
2019 → 2025
Working capital
€2.97M▲ 147%
2024 · €1.20M
2019: €-771k
2020: €-935k
2021: €-293k
2022: €103k
2023: €355k
2024: €1.20M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.38M-€1.39M▲ 1.3%€1.78M▲ 27.4%€1.51M▼ 14.8%€1.66M▲ 9.6%
Operating result€701k-€127k▼ 82.0%€128k▲ 0.8%€-21k€748k
Net result€70k-€33k▼ 53.3%€32k▼ 3.1%€-64k€476k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €748k after a loss of €21k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.83M
Fixed assets
€2.50M▼ 8.3%
Current assets
€3.32M▲ 75.7%
Equity and liabilities €5.83M
Equity
€1.66M▲ 9.6%
Provisions
€174k▲ 1,545%
Debt
€3.99M▲ 28.9%
The debt ratio rises from 67.0% to 68.5%: debt grows faster than equity.
Key figures and ratios
EBITDA
€853k▲
2024 · €62k
Cash flow
€581k▲
2024 · €19k
Solvency
28.5%▼
2024 · 32.7%
Current ratio
9.46▲
2024 · 2.76
Quick ratio
0.84▲
2024 · 0.08
Debt / equity
2.41▲
2024 · 2.05
ROE
28.7%▲
2024 · -4.2%
ROA
8.2%▲
2024 · -1.4%
Interest coverage
7.66▲
2024 · 0.90
Debt
€3.99M▲
2024 · €3.10M
Debt ≤ 1 year
€351k▼
2024 · €685k
Debt > 1 year
€3.62M▲
2024 · €2.39M
Income taxes
€10k▲
2024 · €7k
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€4.62M€5.83M▲
Fixed assets21/28€2.73M€2.50M▼
Tangible fixed assets22/27€2.73M€2.50M▼
Land and buildings22€2.65M€2.43M▼
Plant, machinery and equipment23€45k€42k▼
Furniture and vehicles24€37k€31k▼
Current assets29/58€1.89M€3.32M▲
Stocks and contracts in progress3€1.83M€3.03M▲
Stocks30/36€1.83M€3.03M▲
Amounts receivable within one year40/41€2k€144k▲
Trade receivables40€2k€40k▲
Other amounts receivable41€227€105k▲
Current investments50/53€43k€43k=
Cash at bank and in hand54/58€3k€103k▲
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€4.62M€5.83M▲
Equity10/15€1.51M€1.66M▲
Contributions10/11€98k€98k=
Capital10€98k€98k=
Issued capital100€98k€98k=
Revaluation surpluses12€660k€330k▼
Reserves13€756k€1.23M▲
Non-distributable reserves130/1€53k€53k=
Legal reserve130€10k€10k=
Own shares acquired1312€43k€43k=
Tax-exempt reserves132€32k€522k▲
Distributable reserves133€671k€657k▼
Provisions and deferred taxes16€11k€174k▲
Deferred taxes168€11k€174k▲
Amounts payable17/49€3.10M€3.99M▲
Amounts payable after more than one year17€2.39M€3.62M▲
Financial debts170/4€1.63M€2.88M▲
Other amounts payable178/9€764k€742k▼
Amounts payable within one year42/48€685k€351k▼
Current portion of amounts payable after more than one year42€135k€143k▲
Financial debts43€225k€41k▼
Credit institutions430/8€225k€41k▼
Trade debts44€70k€13k▼
Suppliers440/4€70k€13k▼
Taxes, remuneration and social security45€55k€34k▼
Taxes450/3€55k€34k▼
Other amounts payable47/48€201k€121k▼
Accrued charges and deferred income492/3€20k€19k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€83k€105k▲
Other operating charges640/8€44k€80k▲
Gross operating margin9900€106k€933k▲
Operating profit (loss)9901€-21k€748k▲
Financial income75/76B€71€12k▲
Recurring financial income75€71€12k▲
Financial charges65/66B€69k€111k▲
Recurring financial charges65€69k€111k▲
Profit (loss) for the period before taxes9903€-90k€649k▲
Transfer from deferred taxes780€33k€6k▼
Transfer to deferred taxes680-€169k
Income taxes67/77€7k€10k▲
Profit (loss) for the period9904€-64k€476k▲
Transfer from tax-exempt reserves789€99k€17k▼
Transfer to tax-exempt reserves689-€507k
Profit (loss) for the period to be appropriated9905€36k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€-14k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€36k€0▼
To other reserves6921€36k€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (23 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
29-07
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 22 juli 2026
- Registered-office move, Bovenstraat(BRA) 162, 2880 Bornem
2025
31-12
Financial
Back to profitnet €476k
Net result €476k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 9.46
Current ratio from 2.76 to 9.46; short-term debt falls from €685k to €351k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-64k ▼300%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €1MEq €1.38M ▲44.4%
3 profitable years in a row build equity to €1.38M.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 1 day late
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Bornem · 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.
Bovenstraat(BRA) 1622880 BornemGround area
7,278 m²
Building footprint
1,217 m²
Volume, LiDAR
7,556 m³
2 parcels, Flanders · tallest building 38.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Donklaan 253, 9290 Berlare
since 19972.080.812.227
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42022B1183/00P000 | Flanders | 5,712 m² | 1 · 1,015 m² | 38.8 m · 2 fl. |
| 12362G0511/00E003 | Flanders | 1,565 m² | 1 · 202 m² | 3.0 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SCHOENEN SWENNEN
BE 0893.923.492
Hasselt · Eq €1.66M
EVOLIN
BE 0405.399.919
Kortrijk · Eq €1.67M
IMMOBILIERE SCHALLER
BE 0431.885.471
Watermaal-Bosvoorde · Eq €1.67M
IMMO DOCHY
BE 0434.730.145
Waregem · Eq €1.67M
REVRON
BE 0885.947.718
Evere · Eq €1.67M
Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 3,045 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-12-1996
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.