KBC Immolease is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €27.28M and a net result of €2.92M. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 8% of 2385 sector peers (fiscal year 2025). The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 2385 sector peers (2025).
NBB · sector comparisonPosition among 2385 sector peers
Solvency
better than 8%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 d early
2024
76 d early
2023
76 d early
2022
70 d early
2021
73 d early
2020
87 d early
2019
73 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€27.28M=
2024 · €27.28M
2018: €26.42M
2019: €26.67M
2020: €26.67M
2022: €27.26M
2023: €27.28M
2024: €27.28M
2018 → 2025
Net result
€2.92M▲ 6.8%
2024 · €2.74M
2018: €3.76M
2019: €5.08M
2020: €54k
2022: €5.33M
2023: €3.01M
2024: €2.74M
2018 → 2025
Total assets
€483.22M▼ 10.2%
2024 · €537.93M
2018: €874.53M
2019: €825.95M
2020: €775.77M
2022: €651.49M
2023: €595.04M
2024: €537.93M
2018 → 2025
Solvency
5.6%▲ 0.6pp
2024 · 5.1%
2018: 3.0%
2019: 3.2%
2020: 3.4%
2022: 4.2%
2023: 4.6%
2024: 5.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€26.67M-€27.26M▲ 2.2%€27.28M▲ 0.1%€27.28M=€27.28M=
Operating result€8.43M-€11.77M▲ 39.6%€9.52M▼ 19.1%€8.85M▼ 7.1%€8.72M▼ 1.4%
Net result€54k-€5.33M▲ 9,759%€3.01M▼ 43.5%€2.74M▼ 9.1%€2.92M▲ 6.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €483.22M
Fixed assets
€388.06M▼ 9.1%
Current assets
€95.15M▼ 14.3%
Equity and liabilities €483.22M
Equity
€27.28M=
Debt
€455.94M▼ 10.7%
The debt ratio falls from 94.9% to 94.4%. Debt is lower.
Key figures and ratios
Solvency
5.6%▲
2024 · 5.1%
ROE
10.7%▲
2024 · 10.0%
ROA
0.6%▲
2024 · 0.5%
Debt
€455.94M▼
2024 · €510.65M
Debt ≤ 1 year
€99.25M▲
2024 · €89.85M
Debt > 1 year
€236.86M▼
2024 · €304.04M
Income taxes
€1.04M▲
2024 · €832k
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€537.93M€483.22M▼
Fixed assets21/28€426.87M€388.06M▼
Tangible fixed assets22/27€426.87M€388.06M▼
Other tangible fixed assets26€426.87M€388.06M▼
Financial fixed assets28€3k€3k=
Affiliated companies280/1€3k€3k=
Participating interests280€3k€3k=
Current assets29/58€111.06M€95.15M▼
Amounts receivable after more than one year29€84.31M€71.25M▼
Trade receivables290€84.31M€71.25M▼
Amounts receivable within one year40/41€23.18M€21.28M▼
Trade receivables40€22.94M€21.19M▼
Other amounts receivable41€244k€82k▼
Deferred charges and accrued income490/1€3.57M€2.63M▼
Equity and liabilities
Total equity and liabilities10/49€537.93M€483.22M▼
Equity10/15€27.28M€27.28M=
Contributions10/11€24.80M€24.80M=
Capital10€24.80M€24.80M=
Issued capital100€24.80M€24.80M=
Reserves13€2.48M€2.48M=
Non-distributable reserves130/1€2.48M€2.48M=
Legal reserve130€2.48M€2.48M=
Amounts payable17/49€510.65M€455.94M▼
Amounts payable after more than one year17€304.04M€236.86M▼
Financial debts170/4€304.04M€236.86M▼
Credit institutions173€304.04M€236.86M▼
Amounts payable within one year42/48€89.85M€99.25M▲
Current portion of amounts payable after more than one year42€57.76M€66.85M▲
Financial debts43€27.40M€28.27M▲
Credit institutions430/8€27.40M€28.27M▲
Trade debts44€1.00M€298k▼
Suppliers440/4€1.00M€298k▼
Taxes, remuneration and social security45€934k€898k▼
Taxes450/3€934k€898k▼
Other amounts payable47/48€2.75M€2.94M▲
Accrued charges and deferred income492/3€116.75M€119.83M▲
Income statement
Code20242025
Operating income70/76A€32.26M€30.44M▼
Other operating income74€32.26M€30.44M▼
Operating charges60/66A€23.41M€21.72M▼
Services and other goods61€2.11M€1.59M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21.67M€20.68M▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-260k€-558k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-112k-
Other operating charges640/8€9k€4k▼
Operating profit (loss)9901€8.85M€8.72M▼
Financial income75/76B€3.87M€3.37M▼
Recurring financial income75€3.87M€3.37M▼
Income from financial fixed assets750€910€766▼
Income from current assets751€3.38M€3.33M▼
Other financial income752/9€496k€35k▼
Financial charges65/66B€9.15M€8.14M▼
Recurring financial charges65€9.15M€8.14M▼
Debt charges650€9.06M€8.01M▼
Other financial charges652/9€89k€126k▲
Profit (loss) for the period before taxes9903€3.57M€3.96M▲
Income taxes67/77€832k€1.04M▲
Taxes670/3€832k€1.04M▲
Profit (loss) for the period9904€2.74M€2.92M▲
Profit (loss) for the period to be appropriated9905€2.74M€2.92M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.74M€2.92M▲
Profit to be distributed694/7€2.74M€2.92M▲
Return on contributions (dividend)694€2.74M€2.92M▲
The notes to these accounts (35 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €5.33M ▲9759%
Net result €5.33M, the highest in the series.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
05-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €54k ▼98.9%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
30-10
State Gazette act
General meeting · Demerger
Accounting effect · Net-asset statement · Paul MASELIS
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
30-01
State Gazette act
Power of attorney
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
40 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, Leuven · 1 establishment unit since 2004
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.
Brusselsesteenweg 1003000 LeuvenGround area
8.5 ha
Building footprint
1.5 ha
Volume, LiDAR
287,774 m³
Parcel 24505I0008/00G000, Flanders · tallest building 36.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
MERCA LEASE / KBC IMMOLEASE / CBC IMMOLEASE / CBC VENDOR LEASE / CENTEA VENDOR LEASE / KBC VENDOR LEASE
since 20042.112.356.726
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24505I0008/00G000 | Flanders | 8.5 ha | 1 · 1.5 ha | 36.0 m · 6 fl. |
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.
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Of 186 companies in sector 64910 we hold annual accounts for 133. 55 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-04-1991
Fiscal year end31-12
Activities, NACEBEL
64910Financial service activities, except insurance and pension funding
65210
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:lease@kbclease.be
Phone:016/88.11.11
Fax:016/88.12.12