O.J. IMMO
ActiveThe computed 12-month bankruptcy probability of O.J. IMMO is 1.6% (moderate). The 2024 annual accounts show negative equity (€-142k) and a net result of €-160k. Equity is shrinking by ~29.5% per year across the filed fiscal years. Its solvency ranks better than 9% of 9981 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
22
/ 100
Critical
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency7▼-21
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.37 against 0.18 in 2023; short-term debt: 95.9% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2024Solvency, return and age of the figures
Solvency
-18.4%
Return on assets
-20.6%
Age of the figures
20 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 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-142k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-10-2025, 92 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
92 d late
2023
91 d late
2022
92 d late
2021
122 d late
2020
115 d late
2019
153 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-142k
2023 · €17k
2018: €-168k
2019: €236k
2020: €187k
2021: €187k
2022: €114k
2023: €17k
2018 → 2024
Total assets
€773k▲ 23.7%
2023 · €625k
2018: €216k
2019: €746k
2020: €750k
2021: €975k
2022: €617k
2023: €625k
2018 → 2024
Net result
€-160k▼ 65.4%
2023 · €-96k
2018: €-12k
2019: €310k
2020: €-50k
2021: €326
2022: €-73k
2023: €-96k
2018 → 2024
Working capital
€-464k▼ 31.4%
2023 · €-353k
2018: €-268k
2019: €-139k
2020: €-173k
2021: €-281k
2022: €-248k
2023: €-353k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€187k-€187k▲ 0.2%€114k▼ 39.2%€17k▼ 84.8%€-142k
Operating result€-46k-€13k€-46k€-85k▼ 85.3%€-145k▼ 71.5%
Net result€-50k-€326€-73k€-96k▼ 31.5%€-160k▼ 65.4%
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 €145k in 2024 against €85k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €773k
Fixed assets
€495k▼ 9.3%
Current assets
€278k▲ 251%
Key figures and ratios
EBITDA
€-136k
Cash flow
€-150k
Solvency
-18.4%▼
2023 · 2.8%
Current ratio
0.37▲
2023 · 0.18
Quick ratio
0.29▲
2023 · 0.04
Debt / equity
-6.44▼
2023 · 35.11
ROA
-20.6%▼
2023 · -15.4%
Interest coverage
-11.31
Debt
€916k▲
2023 · €608k
Debt ≤ 1 year
€742k▲
2023 · €432k
Debt > 1 year
€174k▼
2023 · €176k
Income taxes
€2k
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€625k€773k▲
Fixed assets21/28€546k€495k▼
Tangible fixed assets22/27€546k€495k▼
Land and buildings22€546k€493k▼
Furniture and vehicles24-€2k
Current assets29/58€79k€278k▲
Stocks and contracts in progress3€60k€60k=
Stocks30/36€60k€60k=
Amounts receivable within one year40/41€10k€217k▲
Trade receivables40€8k€209k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€5k€296▼
Deferred charges and accrued income490/1€5k€871▼
Equity and liabilities
Total equity and liabilities10/49€625k€773k▲
Equity10/15€17k€-142k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Revaluation surpluses12€82k€82k=
Profit (loss) carried forward14€-83k€-243k▼
Amounts payable17/49€608k€916k▲
Amounts payable after more than one year17€176k€174k▼
Financial debts170/4€116k€114k▼
Other amounts payable178/9€60k€60k=
Amounts payable within one year42/48€432k€742k▲
Current portion of amounts payable after more than one year42€4k€4k▼
Trade debts44€71k€39k▼
Suppliers440/4€71k€39k▼
Taxes, remuneration and social security45€52k€2k▼
Taxes450/3€37k€369▼
Remuneration and social security454/9€15k€2k▼
Other amounts payable47/48€306k€698k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€9k
Other operating charges640/8€42k€10k▼
Gross operating margin9900€-43k€-126k▼
Operating profit (loss)9901€-85k€-145k▼
Financial income75/76B€34-
Recurring financial income75€34-
Financial charges65/66B€12k€12k▲
Recurring financial charges65€12k€12k▲
Profit (loss) for the period before taxes9903€-96k€-157k▼
Income taxes67/77-€2k
Profit (loss) for the period9904€-96k€-160k▼
Profit (loss) for the period to be appropriated9905€-96k€-160k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-83k€-243k▼
Profit (loss) brought forward from the previous period14P€13k€-83k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Weakest financial yearnet €-160k
Net result drops to €-160k, the lowest in the series.
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 91 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Back to profitnet €326
Net result €326 after one loss-making year.
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 115 days late
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
31-12
Financial
Back to profitnet €310k
Net result €310k after one loss-making year.
31-12
Financial
Equity above €200kEq €236k
Equity rises from €-168k to €236k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 332 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Tubize · 1 establishment unit since 2020
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 de Clabecq 231480 TubizeGround area
1,513 m²
Building footprint
192 m²
Volume, LiDAR
2,917 m³
2 parcels, Brussels, Wallonia · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
O.J. IMMO
since 20202.314.479.089
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25077B0128/00C002 | Wallonia | 1,047 m² | - | - |
| 21019A0203/00K010 | Brussels | 466 m² | 1 · 192 m² | 20.5 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 11,127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-12-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.