KF-IMMO
ActiveKF-IMMO has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-86k) and a net result of €-48k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
29
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0▼-7
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.62 against 0.79 in 2024; short-term debt: 148.1% and cash: 0.2% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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 2025Solvency, return and age of the figures
Solvency
-48.1%
Return on assets
-26.7%
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 dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-86k
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
68 d late
2023
27 d late
2022
86 d late
2021
66 d late
2020
143 d late
2019
82 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-48k▼ 33.4%
2024 · €-36k
2018: €6k
2019: €-29k
2020: €-20k
2021: €9k
2022: €-43k
2023: €35k
2024: €-36k
2018 → 2025
Working capital
€-100k▼ 91.3%
2024 · €-52k
2018: €-20k
2019: €-47k
2020: €46k
2021: €15k
2022: €-28k
2023: €-5k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€-37k€-2k▲ 93.8%€-38k▼ 1,542%€-86k▼ 125%
Operating result€16k-€-41k€44k€-35k€-45k▼ 30.0%
Net result€9k-€-43k€35k€-36k€-48k▼ 33.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €45k in 2025 against €35k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€14k▼ 22.7%
Current assets
€164k▼ 16.6%
Key figures and ratios
EBITDA
€-37k▼
2024 · €-33k
Cash flow
€-39k▼
2024 · €-34k
Solvency
-48.1%▼
2024 · -17.7%
Current ratio
0.62▼
2024 · 0.79
Quick ratio
0.62▼
2024 · 0.79
Debt / equity
-3.08▲
2024 · -6.65
ROA
-26.7%▼
2024 · -16.6%
Interest coverage
-14.61▲
2024 · -28.61
Debt
€264k▲
2024 · €253k
Debt ≤ 1 year
€264k▲
2024 · €249k
Debt > 1 year
€0▼
2024 · €4k
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€215k€178k▼
Fixed assets21/28€18k€14k▼
Tangible fixed assets22/27€18k€14k▼
Land and buildings22€1k€234▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€16k€11k▼
Current assets29/58€196k€164k▼
Amounts receivable within one year40/41€193k€163k▼
Trade receivables40€174k€158k▼
Other amounts receivable41€19k€5k▼
Cash at bank and in hand54/58€4k€351▼
Deferred charges and accrued income490/1€74€316▲
Equity and liabilities
Total equity and liabilities10/49€215k€178k▼
Equity10/15€-38k€-86k▼
Contributions10/11€19k€19k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€-78k€-126k▼
Amounts payable17/49€253k€264k▲
Amounts payable after more than one year17€4k€0▼
Financial debts170/4€4k€0▼
Amounts payable within one year42/48€249k€264k▲
Current portion of amounts payable after more than one year42€5k€4k▼
Trade debts44€91k€96k▲
Suppliers440/4€91k€96k▲
Taxes, remuneration and social security45€8k€212▼
Taxes450/3€8k€212▼
Other amounts payable47/48€145k€163k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€8k▲
Other operating charges640/8€1k€916▼
Non-recurring operating charges66A€15k-
Gross operating margin9900€-16k€-36k▼
Operating profit (loss)9901€-35k€-45k▼
Financial income75/76B€126€1▼
Recurring financial income75€126€1▼
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€-36k€-48k▼
Income taxes67/77€1-
Profit (loss) for the period9904€-36k€-48k▼
Profit (loss) for the period to be appropriated9905€-36k€-48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-78k€-126k▼
Profit (loss) brought forward from the previous period14P€-43k€-78k▼
The notes to these accounts (6 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-48k
Net result drops to €-48k, the lowest in the series.
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 68 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 86 days late
2022
05-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 66 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 143 days late
2020
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 82 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 55 days late
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 127 days late
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 105 days late
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, Quévy · 1 establishment unit since 2010
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.
Rue des Trieux(BLA) 21 j7040 QuévyGround area
614 m²
Building footprint
172 m²
Volume, LiDAR
1,142 m³
2 parcels, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Sentier du Brûle 118, 7390 Quaregnon
since 20102.199.186.671
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53011B0002/00T000 | Wallonia | 529 m² | 1 · 172 m² | 9.6 m · 2 fl. |
| 53065A0417/02A000indicative | Wallonia | 84 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 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
PB IMMOBILIER
BE 0804.700.815
Nandrin · Eq €6k
DG REAL ESTATE SRL
BE 0754.834.105
Sint-Lambrechts-Woluwe · Eq €6k
MY EXPERTISE
BE 0775.407.805
Antwerpen · Eq €5k
DSTX
BE 0753.622.989
Huy · Eq €6k
BP EXPERTISES & SERVICES
BE 1007.024.306
Mons · Eq €6k
Of 1,530 companies in sector 68322 we hold annual accounts for 740. 251 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2006
Fiscal year end31-12
Activities, NACEBEL
68322Real estate appraisal on a fee or contract basis
70312
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.