KIMMO.IMMO
ActiveSummary
KIMMO.IMMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,745 and a net result of €173,863. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 14220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+8
Solvency32▼-27
Growth58▲+6
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity short (current ratio 0.85 against 1.3 in 2024; short-term debt: 83.1% and cash: 42.7% of total assets), and 93.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
6.5%
Return on assets
30%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
3 d early
2023
7 d early
2022
3 d early
2021
26 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€37,745▼ 73.8%
2024 · €143,882
Total assets
€579,233▲ 38.2%
2024 · €419,194
Net result
€173,863▲ 119%
2024 · €79,451
Working capital
-€73,702
2024 · €61,408
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€125,215-€100,972▼ 19.4%€120,510▲ 19.3%€103,498▼ 14.1%€239,297▲ 131%
Net result€100,342above the sector's middle half-€77,946above the sector's middle half▼ 22.3%€93,143above the sector's middle half▲ 19.5%€79,451above the sector's middle half▼ 14.7%€173,863above the sector's middle half▲ 119%
Equity€102,342within the sector's middle half-€180,288within the sector's middle half▲ 76.2%€214,431within the sector's middle half▲ 18.9%€143,882within the sector's middle half▼ 32.9%€37,745within the sector's middle half▼ 73.8%
Total assets€147,072below the sector's middle half-€327,061within the sector's middle half▲ 122%€421,841within the sector's middle half▲ 29.0%€419,194within the sector's middle half▼ 0.6%€579,233within the sector's middle half▲ 38.2%
Debt€44,730-€146,773▲ 228%€207,410▲ 41.3%€275,312▲ 32.7%€541,488▲ 96.7%
Working capital€83,230-€105,494▲ 26.7%€129,083▲ 22.4%€61,408▼ 52.4%-€73,702
Solvency69.6%above the sector's middle half-55.1%within the sector's middle half▼ 14.5pp50.8%within the sector's middle half▼ 4.3pp34.3%within the sector's middle half▼ 16.5pp6.5%within the sector's middle half▼ 27.8pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
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 2025; 2025 is 131% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579,233
Fixed assets
€171,873 ▲ 11.6%
Current assets
€407,360 ▲ 53.6%
Equity and liabilities €579,233
Equity
€37,745 ▼ 73.8%
Debt
€541,488 ▲ 96.7%
Debt's share of the balance-sheet total rises from 65.7% to 93.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€258,202▲
2024 · €119,446
Cash flow
€192,768▲
2024 · €95,399
Current ratio
0.85▼
2024 · 1.30
Debt to equity
14.35▲
2024 · 1.91
ROE
460.6%▲
2024 · 55.2%
ROA
30.0%▲
2024 · 19.0%
Interest coverage
148.91▲
2024 · 60.69
Debt ≤ 1 year
€481,062▲
2024 · €203,837
Debt > 1 year
€60,426▼
2024 · €71,475
Income taxes
€63,971▲
2024 · €22,141
Staff costs
€75,890▲
2024 · €54,921
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 875 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 97% are still going.
- Small
- 5 to 10 years old
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.1%
went bankrupt
1.9%
stopped otherwise
97%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 875 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €29,278 | €54,962 | €54,921 | €75,890 | ▲ 38.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,283 | €29,829 | €16,899 | €15,948 | €18,905 | ▲ 18.5% |
| Other operating charges640/8 | €1,154 | €3,188 | €2,599 | €2,502 | €4,920 | ▲ 96.6% |
| Gross operating margin9900 | €128,652 | €163,267 | €194,970 | €176,869 | €339,012 | ▲ 91.7% |
| Operating profit (loss)9901 | €125,215 | €100,972 | €120,510 | €103,498 | €239,297 | ▲ 131% |
| Financial income75/76B | €1 | €8 | - | €62 | €271 | ▲ 337% |
| Recurring financial income75 | €1 | €8 | - | €62 | €271 | ▲ 337% |
| Financial charges65/66B | - | €2,197 | €2,101 | €1,968 | €1,734 | ▼ 11.9% |
| Recurring financial charges65 | - | €2,197 | €2,101 | €1,968 | €1,734 | ▼ 11.9% |
| Profit (loss) for the period before taxes9903 | €125,216 | €98,783 | €118,409 | €101,592 | €237,834 | ▲ 134% |
| Income taxes67/77 | €24,874 | €20,837 | €25,266 | €22,141 | €63,971 | ▲ 189% |
| Profit (loss) for the period9904 | €100,342 | €77,946 | €93,143 | €79,451 | €173,863 | ▲ 119% |
| Profit (loss) for the period to be appropriated9905 | €100,342 | €77,946 | €93,143 | €79,451 | €173,863 | ▲ 119% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €147,072 | €327,061 | €421,841 | €419,194 | €579,233 | ▲ 38.2% |
| Formation expenses20 | €91 | €0 | - | - | - | - |
| Fixed assets21/28 | €19,021 | €167,768 | €167,671 | €153,949 | €171,873 | ▲ 11.6% |
| Tangible fixed assets22/27 | €17,421 | €167,437 | €167,340 | €153,618 | €171,542 | ▲ 11.7% |
| Land and buildings22 | - | €136,466 | €128,736 | €122,786 | €116,836 | ▼ 4.8% |
| Plant, machinery and equipment23 | €12,568 | €20,688 | €24,972 | €20,499 | €19,992 | ▼ 2.5% |
| Furniture and vehicles24 | €4,853 | €10,283 | €13,632 | €10,333 | €34,714 | ▲ 236% |
| Financial fixed assets28 | €1,600 | €331 | €331 | €331 | €331 | = |
| Current assets29/58 | €127,960 | €159,293 | €254,170 | €265,245 | €407,360 | ▲ 53.6% |
| Amounts receivable within one year40/41 | €20,979 | €53,105 | €140,507 | €197,806 | €150,607 | ▼ 23.9% |
| Trade receivables40 | €1,289 | €53,105 | €776 | €55,634 | €8,203 | ▼ 85.3% |
| Other amounts receivable41 | €19,690 | - | €139,731 | €142,172 | €142,404 | ▲ 0.2% |
| Cash at bank and in hand54/58 | €103,366 | €101,156 | €109,267 | €61,511 | €247,527 | ▲ 302% |
| Deferred charges and accrued income490/1 | €3,615 | €5,032 | €4,396 | €5,928 | €9,226 | ▲ 55.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €147,072 | €327,061 | €421,841 | €419,194 | €579,233 | ▲ 38.2% |
| Equity10/15 | €102,342 | €180,288 | €214,431 | €143,882 | €37,745 | ▼ 73.8% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €100,342 | €178,288 | €212,431 | €141,882 | €35,745 | ▼ 74.8% |
| Amounts payable17/49 | €44,730 | €146,773 | €207,410 | €275,312 | €541,488 | ▲ 96.7% |
| Amounts payable after more than one year17 | - | €92,974 | €82,323 | €71,475 | €60,426 | ▼ 15.5% |
| Financial debts170/4 | - | €92,974 | €82,323 | €71,475 | €60,426 | ▼ 15.5% |
| Amounts payable within one year42/48 | €44,730 | €53,799 | €125,087 | €203,837 | €481,062 | ▲ 136% |
| Current portion of amounts payable after more than one year42 | - | €10,457 | €10,651 | €10,848 | €11,049 | ▲ 1.9% |
| Trade debts44 | €6,524 | €6,825 | €8,228 | €12,154 | €19,185 | ▲ 57.8% |
| Suppliers440/4 | €6,524 | €6,825 | €8,228 | €12,154 | €19,185 | ▲ 57.8% |
| Taxes, remuneration and social security45 | €32,595 | €35,724 | €46,440 | €18,945 | €51,329 | ▲ 171% |
| Taxes450/3 | €32,595 | €31,638 | €36,345 | €8,409 | €34,517 | ▲ 310% |
| Remuneration and social security454/9 | - | €4,086 | €10,095 | €10,536 | €16,812 | ▲ 59.6% |
| Other amounts payable47/48 | €5,611 | €793 | €59,768 | €161,890 | €399,499 | ▲ 147% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €100,342 | €77,946 | €93,143 | €79,451 | €173,863 | ▲ 119% |
| + Depreciation and write-downs630 | €2,283 | €29,829 | €16,899 | €15,948 | €18,905 | ▲ 18.5% |
| Operating cash flow (approximation) | €102,625 | €107,775 | €110,042 | €95,399 | €192,768 | ▲ 102% |
| Investment in fixed assets (approximation) | - | -€178,576 | -€16,802 | -€2,226 | -€36,829 | ▼ 1,554% |
| Change in cash | - | -€2,210 | €8,111 | -€47,756 | €186,016 | ▲ 490% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2021net €173,863 ▲119%
Operating result €239,297, net result €173,863, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200,000Eq €214,431 ▲18.9%
3 profitable years in a row build equity to €214,431.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €77,946 ▼22.3%
Net result drops to €77,946, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150,000Eq €180,288 ▲76.2%
2 profitable years in a row build equity to €180,288.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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Directors · office · real estate
Directors
2 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, Charleroi · 1 establishment unit since 2021
Ground area
240 m²
Building footprint
49 m²
Parcel 52014B0004/00T051, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Kimmo
since 20212.313.021.913
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52014B0004/00T051 | Wallonia | 240 m² | 1 · 49 m² | - |
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.
Similar companies · same sector, comparable size
RDIMMO
BE 0719.785.431
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De Immobiliers
BE 0764.729.390
Halle · Eq €37,812
AKTIMMO & PARTNERS
BE 0783.732.779
Sint-Truiden · Eq €37,678
MD BUSINESS
BE 0599.861.262
Brussel · Eq €37,666
Of 11,757 companies in sector 68310 we hold annual accounts for 6,914. 4,619 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-01-2021
Fiscal year end31-12
Abbreviation FR
KIMMO
Trade name FR
KIMMO
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68322Real estate appraisal on a fee or contract basis
Contact
Website
www.kimmo.immo
E-mail
info@kimmo.immo
E-invoicing
Reachable via Peppol
Peppol ID
0208:0762500568
Registered
15-03-2021
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.