IMTO
ActiveIMTO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €106k and a net result of €17k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 85% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+10
Solvency100▲+6
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.9 against 2.64 in 2023; short-term debt: 23.4% and cash: 0.1% of total assets), and 23.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-09-2025, 33 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
33 d late
2023
51 d late
2022
31 d late
2021
106 d late
2020
40 d late
2019
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€106k▲ 19.8%
2023 · €88k
2018: €49k
2019: €68k
2020: €55k
2021: €73k
2022: €82k
2023: €88k
2018 → 2024
Total assets
€138k▲ 7.3%
2023 · €129k
2018: €133k
2019: €106k
2020: €115k
2021: €210k
2022: €168k
2023: €129k
2018 → 2024
Net result
€17k▲ 156%
2023 · €7k
2018: €8k
2019: €6k
2020: €20k
2021: €18k
2022: €8k
2023: €7k
2018 → 2024
Working capital
€94k▲ 41.6%
2023 · €66k
2018: €45k
2019: €61k
2020: €44k
2021: €53k
2022: €51k
2023: €66k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€55k-€73k▲ 32.5%€82k▲ 11.0%€88k▲ 8.4%€106k▲ 19.8%
Operating result€31k-€51k▲ 61.7%€11k▼ 78.1%€9k▼ 14.6%€24k▲ 151%
Net result€20k-€18k▼ 12.0%€8k▼ 55.0%€7k▼ 16.0%€17k▲ 156%
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 2024; 2024 is 151% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €138k
Fixed assets
€12k▼ 44.9%
Current assets
€126k▲ 18.3%
Equity and liabilities €138k
Equity
€106k▲ 19.8%
Debt
€32k▼ 20.0%
The debt ratio falls from 31.3% to 23.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2023 · €20k
Cash flow
€29k▲
2023 · €18k
Solvency
76.6%▲
2023 · 68.7%
Current ratio
3.90▲
2023 · 2.64
Quick ratio
3.90▲
2023 · 2.64
Debt / equity
0.30▼
2023 · 0.46
ROE
16.5%▲
2023 · 7.7%
ROA
12.6%▲
2023 · 5.3%
Interest coverage
78.19▲
2023 · 32.65
Debt
€32k▼
2023 · €40k
Debt ≤ 1 year
€32k▼
2023 · €40k
Income taxes
€6k▲
2023 · €2k
Staff costs
€9k▼
2023 · €35k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€129k€138k▲
Fixed assets21/28€22k€12k▼
Tangible fixed assets22/27€22k€12k▼
Furniture and vehicles24€22k€12k▼
Current assets29/58€106k€126k▲
Amounts receivable within one year40/41€106k€126k▲
Trade receivables40€102k€106k▲
Other amounts receivable41€4k€19k▲
Cash at bank and in hand54/58€84€204▲
Equity and liabilities
Total equity and liabilities10/49€129k€138k▲
Equity10/15€88k€106k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€34k€34k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14€36k€54k▲
Amounts payable17/49€40k€32k▼
Amounts payable within one year42/48€40k€32k▼
Trade debts44€10k€18k▲
Suppliers440/4€10k€18k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€4k€6k▲
Other amounts payable47/48€27k€9k▼
Income statement
Code20232024
Remuneration, social security and pensions62€35k€9k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€898€2k▲
Gross operating margin9900€56k€47k▼
Operating profit (loss)9901€9k€24k▲
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€626€453▼
Recurring financial charges65€626€453▼
Profit (loss) for the period before taxes9903€9k€23k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€7k€17k▲
Profit (loss) for the period to be appropriated9905€7k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€54k▲
Profit (loss) brought forward from the previous period14P€29k€36k▲
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 33 days late
2024
31-12
Financial
Equity above €100kEq €106k ▲19.8%
7 profitable years in a row build equity to €106k.
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 51 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 106 days late
2021
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
31-12
Financial
Highest result since 2018net €20k ▲222%
Net result €20k, the highest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Weakest financial yearnet €6k ▼15.8%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2016
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.
Houten Schoen 38/B9100 Sint-NiklaasGround area
417 m²
Parcel 46442C0883/00R003, Flanders. Linked by address, not a title deed.
1 establishment unit
IMTO
since 20162.257.252.950
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46442C0883/00R003 | Flanders | 416 m² | - | - |
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.
Similar companies · same sector, comparable size
MKA Bouw & Renovatie
BE 0785.795.911
Anderlecht · Eq €106k
IGMA
BE 0656.484.221
Buggenhout · Eq €106k
Lucien VAN IMPE & Fils
BE 0821.860.016
La Hulpe · Eq €106k
H & C COMPANY
BE 0742.630.614
Evere · Eq €106k
LAURENT B. SPRL
BE 0889.740.913
Charleroi · Eq €106k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,078 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2016
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.