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Immowel

Active
Private limited companyfounded 201214 yrs activeLeopold II straat 49, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0846.094.475
Summary

The annual accounts of Immowel for fiscal year 2025 show a net loss of 101% of total assets and of 76% of the equity at the start of that year. The 2025 annual accounts show equity of €196,201 and a net result of -€614,103. Equity remains stable across the filed fiscal years (±0.2% per year). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Overview

What they do
Activity not known1 site
How big
€610,138total assets 2025
Equity
€196,201
Loss
-€614,103
Turnover not published (abridged schema)
Financially healthy?
38 Weak Checked score 2025
Bankruptcy chance 12 m
1.3%
Who decides
Accounts filed 10 d late0 of 3 deeds read
Why 38- No NACE activity registered- Annual accounts: weaker financial profile+ Long track recordFiled after the deadlineShow the evidence

Checked score

Score 2025
Axes · tick = 2024
Profitability0
Solvency57▼-34
Growth32=
Track record100
Bankruptcy probability, 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.51; short-term debt: 67.8% and cash: 0.5% of total assets), and 67.8% of the assets are financed with debt.
Credit check for your own amount and term

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

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
32.2%
Return on assets
-100.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 14 years 0 20 y
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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
10 d late
2024
25 d late
2023
390 d late
2022
756 d late
2021
11 d late
2020
17 d late
2019
1 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 173 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)
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. Usually files around 25 August (4 of the last 5 filed years within 366 days of that day).
Companies Code · seven months
Position in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Weakest financial yearnet -€614,103
  3. Annual accounts filedfiscal year 2024 · micro…

Financials

Fiscal year 2025Total assets €610,138Loss -€614,103Solvency 32.2%Liquidity 0.51
Total assets
€610,138▼ 50.1%
2018 - 2025
Net result
-€614,103▼ 70,487%
2018 - 2025
Equity
€196,201▼ 75.8%
2018 - 2025
Solvency
32.2%▼ 34.1pp
2018 - 2025

Financials · fiscal year 2025, micro schema

Trend over the years8 fiscal years
Trend over the years
In euros
In euros
No line ticked in this group.

Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€0.002m▼ 25.5%-€0.001m▲ 47.0%-€0.001m=-€0.6m
Net result-€0.002m▼ 25.5%-€0.001m▲ 47.0%-€0.001m=-€0.6m
Equity€0.8m▼ 0.2%€0.8m▼ 0.1%€0.8m▼ 0.1%€0.8m=€0.2m▼ 75.8%
Total assets€1.2m=€1.2m=€1.2m=€1.2m=€0.6m▼ 50.1%
Debt€0.4m▲ 0.4%€0.4m▲ 0.2%€0.4m▲ 0.2%€0.4m=€0.4m▲ 0.3%
Working capital-€0.2m
Turnover and EBIT margin not published: the micro schema does not require them.
Result and balance sheet2025
Result per fiscal year
Operating resultNet result
-€800,000-€600,000-€400,000-€200,000€0Operating result 2021: -€1,642-€1,642Net result 2021: -€1,642-€1,642Operating result 2022: -€870-€870Net result 2022: -€870-€870Operating result 2023: -€870-€870Net result 2023: -€870-€870Operating result 2025: -€613,052-€613,052Net result 2025: -€614,103-€614,10320212022202320242025-€800,000-€600,000-€400,000-€200,000€0Operating result 2023: -€870-€870Net result 2023: -€870-€870Operating result 2025: -€613,052-€613,000Net result 2025: -€614,103-€614,000202320242025
The operating result is -€613,052 in 2025, compared with -€870 in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €610,138
Fixed assets €398,158
Current assets €211,980
Equity and liabilities €610,138
Equity €196,201 ▼ 75.8%
Debt €413,937 ▲ 0.3%
Debt's share of the balance-sheet total rises from 33.8% to 67.8%. Equity is lower and debt is higher.
Key figures and ratios2025
Key figures and ratios
2025 value · change against 2024
Current ratio
0.51
Debt to equity
2.11▲
2024 · 0.51
ROE
-313.0%
ROA
-100.6%
Debt ≤ 1 year
€413,937▲
2024 · €412,854
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 376 companies that looked in July 2024 the way this one looks now, 0.8% went bankrupt within 24 months and 92% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
0.8% went bankrupt
7.2% stopped otherwise
92% still going

A further 0.3% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 1.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 376 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Filed annual accountsfiscal year 2025
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 28 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.2m€0.6m▼
Fixed assets21/28€1.2m€0.4m▼
Tangible fixed assets22/27€1.2m€0.4m▼
Land and buildings22€1.2m€0.4m▼
Current assets29/58-€0.2m
Current investments50/53-€0.2m
Cash at bank and in hand54/58-€0.003m
Equity and liabilities
Total equity and liabilities10/49€1.2m€0.6m▼
Equity10/15€0.8m€0.2m▼
Contributions10/11€0.8m€0.8m=
Profit (loss) carried forward14-€0.01m-€0.6m▼
Amounts payable17/49€0.4m€0.4m▲
Amounts payable within one year42/48€0.4m€0.4m▲
Trade debts44€0.002m€0.003m▲
Suppliers440/4€0.002m€0.003m▲
Other amounts payable47/48€0.4m€0.4m=
Income statement Code20242025
Other operating charges640/8-€0.6m
Gross operating margin9900--€0.001m
Operating profit (loss)9901--€0.6m
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B-€0.001m
Recurring financial charges65-€0.001m
Profit (loss) for the period before taxes9903--€0.6m
Profit (loss) for the period9904--€0.6m
Profit (loss) for the period to be appropriated9905--€0.6m
Appropriation of the result
Profit (loss) to be appropriated9906-€0.01m-€0.6m▼
Profit (loss) brought forward from the previous period14P-€0.01m-€0.01m=

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8----€611,969-
Gross operating margin9900-€1,642-€870-€870--€1,083-
Operating profit (loss)9901-€1,642-€870-€870--€613,052-
Financial income75/76B----€2-
Recurring financial income75----€2-
Financial charges65/66B----€1,053-
Recurring financial charges65----€1,053-
Profit (loss) for the period before taxes9903-€1,642-€870-€870--€614,103-
Profit (loss) for the period9904-€1,642-€870-€870--€614,103-
Profit (loss) for the period to be appropriated9905-€1,642-€870-€870--€614,103-
Line20212022202320242025Change
Assets
Total assets20/58€1.2m€1.2m€1.2m€1.2m€0.6m▼ 50.1%
Fixed assets21/28€1.2m€1.2m€1.2m€1.2m€0.4m▼ 67.4%
Tangible fixed assets22/27€1.2m€1.2m€1.2m€1.2m€0.4m▼ 67.4%
Land and buildings22€1.2m€1.2m€1.2m€1.2m€0.4m▼ 67.4%
Current assets29/58----€0.2m-
Current investments50/53----€0.2m-
Cash at bank and in hand54/58----€0.003m-
Equity and liabilities
Total equity and liabilities10/49€1.2m€1.2m€1.2m€1.2m€0.6m▼ 50.1%
Equity10/15€0.8m€0.8m€0.8m€0.8m€0.2m▼ 75.8%
Contributions10/11€0.8m€0.8m€0.8m€0.8m€0.8m=
Profit (loss) carried forward14-€0.01m-€0.01m-€0.01m-€0.01m-€0.6m▼ 4,179%
Amounts payable17/49€0.4m€0.4m€0.4m€0.4m€0.4m▲ 0.3%
Amounts payable within one year42/48€0.4m€0.4m€0.4m€0.4m€0.4m▲ 0.3%
Trade debts44-€0.001m€0.002m€0.002m€0.003m▲ 62.2%
Suppliers440/4-€0.001m€0.002m€0.002m€0.003m▲ 62.2%
Other amounts payable47/48€0.4m€0.4m€0.4m€0.4m€0.4m=
Line20212022202320242025Change
Profit (loss) for the period9904-€1,642-€870-€870--€614,103-
Operating cash flow (approximation)-€1,642-€870-€870--€614,103-
Investment in fixed assets (approximation)-€0€0€0€825,000-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline

11 eventsLatest 10-08-2026Next filing 31-07-2027

History

Immowel was incorporated on 23 May 2012.1 Total assets fell from €1.2m in 2018 to €610,138 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
10-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial Weakest financial yearnet -€614,103
Net result drops to -€614,103, the lowest in the series.
25-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
25-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 390 days late
25-08
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 756 days late
2022
11-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
17-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
16-08
NBB filing Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
11-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Company details

Private limited company · founded 23-05-2012Year ends 31-12Peppol not found1 site

Register details

Identification
Legal formPrivate limited company
Founded23-05-2012
Fiscal year end31-12
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 1 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Sites & property

Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2012
seat establishment The establishment unit on the map
Ground area
2,549 m²
Building footprint
793 m²
Volume, LiDAR
9,839 m³
Parcel 71053G0363/00R000, Flanders · tallest building 17.2 m, ±4 floors. Linked by address, not a title deed.
4 companies at this address See who is registered here
1 establishment unit
IMMOWEL
Leopold II straat 49, 3800 Sint-TruidenFinancial service activities, except insurance and pension funding
since 2012unit no. 2.211.605.839
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71053G0363/00R000 Flanders 2,549 m² 1 · 793 m² 17.2 m · 4 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.

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