Debts
€45,539 96% of the balance sheet
LORIMMO
Overview
Lifetime
1 annual account with figurespeak -€2,402 (2025)
-€2,402
lowest -€3,244 (2025)
-€3,244
peak €1,756 (2025)
€1,756
€45,539
Board1 name since 2024
1 directorSCHYNS Christophe Rose Jean-Marie
Documentsfilings and deeds
24-06-202637 days before the deadline
2025micro format
Loss of €3,244First year with figures
Key points
from the 2025 annual accountsStarting capital
€5,000 500 shares
Turnover not published (micro format)
Checked score
80
Excellent
Financially stronger than 27% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2025: 0.6%
01-2026: 0.7%▲ +0.1 percentage points vs 12-2025
02-2026: 0.7%● unchanged vs 01-2026
03-2026: 0.7%● unchanged vs 02-2026
04-2026: 0.8%▲ +0.1 percentage points vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.9%▲ +0.1 percentage points vs 05-2026highest value
07-2026: 0.4%▼ -0.5 percentage points vs 06-2026lowest value
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.5%▲ +0.1 percentage points vs 09-2026
11-2026: 0.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Equity €1,756 (3.7% of total assets)
lowers risk
Sector: Real estate activities (NACE 68)
Liquidity: cash €8,144
Size: total assets €47,294
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 24% of them on solvency, 37% on liquidity and 21% on profitability.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 280 companies had the same profile as LORIMMO has now. Each dot is one company, two years later.
95.7%
were still trading
3.2%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of LORIMMO itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 280 companies, not a prediction for LORIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Young company
Founded in 2024, a year ago. Young companies fail more often than established ones; the risk is highest 2 to 8 years after founding.
KBO · incorporation dateAge against the risk zone
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 24-06-2026, 37 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
37 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016234653
Incorporation
Founding capital of €5,000, 500 shares · Founder: SCHYNS Christophe Rose Jean-Marie · Appointment: SCHYNS Christophe Rose Jean-Marie (director) · published on 19-11-2024 · Gazette deed
First establishment
Voie du Taupier 8, Herve
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| LORIMMO Herve | €47,294 | -€2,402 | 3.7% | - |
| Leonards Syndic Kortrijk | €47,815 | -€2,443 | 18.7% | - |
| AUME Brasschaat | €55,898 | -€49,763 | -59.4% | - |
| TEL IMMO Charleroi | €52,802 | -€4,749 | -39.7% | - |
| FALI IMMO Charleroi | €60,573 | -€6,821 | -4.0% | - |
| 2Z PROJECT Forest | €35,301 | -€1,255 | 0.6% | - |
| Vingt-deux Degrés Namur | €52,558 | -€654 | 4.4% | - |
These companies have the same main activity as LORIMMO: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €35,300 and €60,600, founded between 2023 and 2024.
Official details
Source: KBO- Status
- Active since 14-11-2024Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 5 others
- Establishment unit
- 2.370.094.0404650 Herve, since 14-11-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Annual accounts 2025
- -€2,402
- €3,244
- €1,756
- €47,294
- Filing
- Filed on 24-06-2026, 37 days before the end of the filing period
Insights on LORIMMO
LORIMMO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1,756 and a net result of -€3,244.
Its solvency ranks better than 26% of 17,199 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 24-06-2026, 37 days before the deadline-€2,402
-€3,228
-€3,244
-
3.7%
-
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €47,294 on 31-12-2025What the company ownsHow it is paid for
Position in the sector
3.7%
Higher than 26% of 17,199 companies in 2025.
-6.9%
Higher than 13% of 16,875 companies in 2025.
LORIMMO
Middle half of the sector
80% of the sector
Micro accounts in real estate (NACE 68)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 |
|---|---|---|
| Balance sheet: assets | ||
20/58 |
47,294 | |
21/28 |
39,150 | |
22/27 |
39,150 | |
27 |
39,150 | |
29/58 |
8,144 | |
40/41 |
1 | |
41 |
1 | |
54/58 |
8,144 | |
| Balance sheet: equity and liabilities | ||
10/49 |
47,294 | |
10/15 |
1,756 | |
10/11 |
5,000 | |
14 |
-3,244 | |
17/49 |
45,539 | |
17 |
45,539 | |
178/9 |
45,539 | |
| Income statement | ||
9900 |
-2,402 | |
640/8 |
826 | |
9901 |
-3,228 | |
65/66B |
16 | |
65 |
16 | |
9903 |
-3,244 | |
9904 |
-3,244 | |
9905 |
-3,244 | |
| Appropriation of the result | ||
9906 |
-3,244 | |
| Document | ||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-06-2026 | 2026-00192373 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 |
|---|---|---|
| 39,150 | ||
| 3.7% | ||
| 25.93 | ||
| -184.7% | ||
| -6.9% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 |
|---|---|
| Tangible fixed assets | €39,150 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Insights on LORIMMO
Debt's share of the balance-sheet total is 96.3%.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 19-11-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todaySCHYNS Christophe Rose Jean-Marie
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- SCHYNS Christophe Rose Jean-Marie
- Director (not named in the articles), appointed by deed of 19-11-2024, still in office
Control
Capital
- Contribution
- €5,000
- Shares
- 500
- Contribution per share
- €10
- Equity per share
- €3.51 in 2025
- Source
- deed of 19-11-2024
Articles of association
deed of 19-11-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Shareholders
At incorporation
deed of 19-11-2024 ↗
- SCHYNS Christophe Rose Jean-Marie 500 shares (100%) · €5,000 in cash
Network & group
No group
LORIMMO has no parent and no holdings in its annual accounts. SCHYNS Christophe Rose Jean-Marie is the only director. LORIMMO shares no director with another company.
At the same address
Voie du Taupier 8, 4650 Herve · 1 other company| LWO ACCOUNTANCY & TAX
registered office since 13-10-2025 |
founded in 2025 1029.088.638 |
Timeline
Timeline
4 events since 2024Filings
Establishments
202420252026
2026
Annual accounts 2025 filed NBBmicro format · 37 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016234653
2024
IncorporationFounding capital of €5,000, 500 shares · Founder: SCHYNS Christophe Rose Jean-Marie · Appointment: SCHYNS Christophe Rose Jean-Marie (director) · published on 19-11-20246 points ▸
- Registered office clause, Voie du Taupier 8, 4650 Chaineux (Herve)
- Board rule, 1
- Director appointment, SCHYNS Christophe Rose Jean-Marie (director (not named in the articles))
- Permanent representative, SCHYNS Christophe Rose Jean-Marie
- Founder, SCHYNS Christophe Rose Jean-Marie
- Founding capital, €5,000, 500 shares
- The deed holds 8 more points.
First establishment Voie du Taupier 8, Herve
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
Company details
Identity
- Enterprise number
- 1016.234.653
- VAT number
- BE 1016.234.653
- Peppol ID
- 0208:1016234653
- Other Peppol ID
- 9925:BE1016234653
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 14-11-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 11-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- LORIMMO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-11-2024 (in French)
Activities
NACEBEL 202568201
Renting and operating of own or leased residential real estate, excluding social housing main activity
Codes under NACEBEL 2008
68201
Real estate activities main activity
47910
Retail trade
55203
Holiday cottages, homes and apartments
81300
Landscape service activities
82300
Organisation of conventions and trade shows
93299
Other amusement and recreation activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toutes opérations de location,d’achat,de vente,d’exploitation,de mise en valeur,et de gestion de biens immobiliers; Support dans la…”deed of 19-11-2024 (in French)
10 activities
- Toutes opérations de location,d’achat,de vente,d’exploitation,de mise en valeur,et de gestion de biens immobiliers;
- Support dans la création,la mise en conformité et la commercialisation d’hébergements touristiques;
- Tous services de type hôteliers (conciergerie,service de nettoyage,préparation des lits,mise à disposition de repas/boissons,…);
- Organisation d’événements/activités en lien avec le secteur du tourisme et du bien-être;
- Gestion et entretien de biens mobiliers d’intérieurs et d’extérieurs;
- Création et entretien d’aménagements extérieurs;
- Gestion et location de véhicules motorisés ou non;
- L’importation et l’exportation de marchandises en vue de les revendre ou les louer;
- Toutes opérations d’agents d’affaires,de commissionnaires en marchandises ou prestataires de services;
- La création,l’exploitation et la gestion de sites internet dont l’objet sera l’achat,la vente et la location de biens,marchandises et/ou de services.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Voie du Taupier 8 registered office 4650 Herve | 14-11-2024 | 2.370.094.040 |
Buildings and parcels at the address
- Ground area
- 1,007 m²
- Buildings
- 143 m²
- Volume, LiDAR
- 1,000 m³
- Tallest building
- 9.3 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 63014A0864/00X000 | 1,007 m² | 1 · 143 m² | 9.3 m · 2 |