N.J. Immo
ActiveThe computed 12-month bankruptcy probability of N.J. Immo is 3.3% (moderate). The 2024 annual accounts show equity of €43k and a net result of €8k. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability30▲+17
Solvency33▲+1
Growth78
Track record94
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 0.45 in 2023; short-term debt: 6% and cash: 17.6% of total assets), but 91.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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
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 2024Solvency, return and age of the figures
Solvency
8.4%
Return on assets
1.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€43k▲ 23.3%
2023 · €34k
2023: €34k
2023 → 2024
Total assets
€509k▲ 9.2%
2023 · €466k
2023: €466k
2023 → 2024
Net result
€8k
2023 · €-21k
2023: €-21k
2023 → 2024
Working capital
€59k
2023 · €-45k
2023: €-45k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€34k-€43k▲ 23.3%
Operating result€-40k-€-909▲ 97.7%
Net result€-21k-€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €909 in 2024 against €40k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €509k
Fixed assets
€419k▼ 2.0%
Current assets
€89k▲ 138%
Equity and liabilities €509k
Equity
€43k▲ 23.3%
Debt
€466k▲ 8.1%
The debt ratio falls from 92.6% to 91.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€9k▲
2023 · €-22k
Cash flow
€18k▲
2023 · €-3k
Solvency
8.4%▲
2023 · 7.4%
Current ratio
2.93▲
2023 · 0.45
Quick ratio
2.93▲
2023 · 0.45
Debt / equity
10.97▼
2023 · 12.51
ROE
18.9%▲
2023 · -59.6%
ROA
1.6%▲
2023 · -4.4%
Interest coverage
1.08▲
2023 · -2.12
Debt
€466k▲
2023 · €431k
Debt ≤ 1 year
€30k▼
2023 · €83k
Debt > 1 year
€436k▲
2023 · €348k
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€466k€509k▲
Fixed assets21/28€428k€419k▼
Tangible fixed assets22/27€428k€419k▼
Land and buildings22€428k€419k▼
Current assets29/58€38k€89k▲
Cash at bank and in hand54/58€38k€89k▲
Equity and liabilities
Total equity and liabilities10/49€466k€509k▲
Equity10/15€34k€43k▲
Contributions10/11€55k€55k=
Profit (loss) carried forward14€-21k€-12k▲
Amounts payable17/49€431k€466k▲
Amounts payable after more than one year17€348k€436k▲
Financial debts170/4€348k€436k▲
Amounts payable within one year42/48€83k€30k▼
Current portion of amounts payable after more than one year42€10k€11k▲
Trade debts44-€17
Suppliers440/4-€17
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€68k€20k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€10k▼
Other operating charges640/8€3k-
Gross operating margin9900€-19k€9k▲
Operating profit (loss)9901€-40k€-909▲
Financial income75/76B€30k€17k▼
Recurring financial income75€0€17k▲
Non-recurring financial income76B€30k€17k▼
Financial charges65/66B€10k€8k▼
Recurring financial charges65€10k€8k▼
Profit (loss) for the period before taxes9903€-21k€8k▲
Profit (loss) for the period9904€-21k€8k▲
Profit (loss) for the period to be appropriated9905€-21k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-12k▲
Profit (loss) brought forward from the previous period14P-€-21k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Liquidity times 6current ratio 2.93
Current ratio from 0.45 to 2.93; short-term debt falls from €83k to €30k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, La Louvière
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 Albert 1,Roi des Belges(L.L) 97100 La LouvièreGround area
135 m²
Building footprint
57 m²
Volume, LiDAR
751 m³
Parcel 55372D0046/00X005, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0046/00X005 | Wallonia | 135 m² | 1 · 57 m² | 14.7 m · 4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2022
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.