Checked.be
Active
BE 0432.373.540Private limited company
OCIMMO
Rue du Temple(L.L) 6 ·7100 La Louvière, Belgium· 38 yrs active
Sector: Real estate agency activities
(68310)
Conclusion
OCIMMO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €61k and a net result of €-615. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 60% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Based on the State Gazette, CBE and 4 annual accounts.
Key figures
| Equity | €61k |
| Net result | €-615 |
| Better than sector | 60% |
| Active | 38 yrs |
Financial profile
48
/ 100
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
Health
33
Profitability
0
Solvency
54
Growth
52
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1987, 38 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
33
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€2k
estimate, not credit advice
Score history
81
2022
12
2023
64
2024
33
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 0.33 (< 1.0)
-10
Quick ratio
Quick ratio 0.33 (< 0.6)
-5
Leverage
Debt/equity 1.31 (< 2.0)
+3
Profitability
Negatieve ROE -1%
-10
Interest coverage
Interest coverage 18.4× (≥ 3×)
+8
Profit trend
Net profit down YoY
-3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 03-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 4 fiscal years (±2.3%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 43.2% | 29.9% | |
| Net result | €-615 | €6k | |
| Equity | €61k | €79k | |
| Gross operating margin | €16k | €41k | |
| Total assets | €140k | €416k |
€12k
-47.9%
22-25
€-615
-
22-25
€9k
-56.4%
22-25
€140k
+12.3%
22-25
€61k
-1.0%
22-25
€-53k
+9.5%
22-25
0
-
22-25
€3k
+24.8%
22-25
€80k
+25.2%
22-25
€80k
+25.2%
22-25
€0
-100.0%
22-25
0.33
+351.1%
22-25
0.33
+351.1%
22-25
43.2%
-11.9%
22-25
1.31
+26.4%
22-25
-1.0%
-
22-25
-0.4%
-
22-25
18.38
-6.8%
22-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | micro schema | full schema | full schema | full schema |
| Revenue | - | - | - | - |
| EBITDA | €12k | €24k | €-19k | €18k |
| Net profit | €-615 | €11k | €-19k | €8k |
| Cash flow | €9k | €20k | €-14k | €12k |
| Staff costs | - | - | - | - |
| Income taxes | €3k | €2k | €0 | €5k |
| Dividends | - | - | - | - |
| Total assets | €140k | €125k | €135k | €130k |
| Equity | €61k | €61k | €38k | €58k |
| Debt | €80k | €64k | €97k | €72k |
| of which ≤ 1y | €80k | €64k | €77k | €32k |
| of which > 1y | - | €0 | €20k | €40k |
| Working capital | €-53k | €-59k | €-71k | €8k |
| Employees (FTE) | - | 0.0 | 0.0 | 0.0 |
Note: these years are not on the same basis. The filed schemas differ (micro schema, full schema), so the columns are not directly comparable.
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 0.33 | 0.07 | 0.08 | 1.24 |
| Quick ratio | 0.33 | 0.07 | 0.08 | 1.24 |
| Working capital ratio | -38.1% | -47.2% | -52.3% | 5.8% |
| Solvency | 43.2% | 49.0% | 28.3% | 44.5% |
| Debt / equity | 1.31 | 1.04 | 2.54 | 1.25 |
| Long-term debt ratio | - | 0.00 | 0.53 | 0.69 |
| Interest coverage | 18.38 | 19.71 | -9.84 | 8.26 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | -0.4% | 8.6% | -14.3% | 6.0% |
| ROE | -1.0% | 17.6% | -50.6% | 13.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €140k | €125k | €135k | €130k |
| Fixed assets | 21/28 | €114k | €120k | €129k | €90k |
| Tangible fixed assets | 22/27 | €113k | €120k | €129k | €90k |
| Financial fixed assets | 28 | €410 | €410 | €410 | €410 |
| Current assets | 29/58 | €26k | €5k | €6k | €39k |
| Amounts receivable within one year | 40/41 | €0 | €596 | €2k | €15k |
| Cash & bank | 54/58 | €23k | €2k | €2k | €23k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €140k | €125k | €135k | €130k |
| Equity | 10/15 | €61k | €61k | €38k | €58k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €9k | €9k | €9k | €9k |
| Accumulated profits (losses) | 14 | €33k | €33k | €10k | €30k |
| Amounts payable | 17/49 | €80k | €64k | €97k | €72k |
| Amounts payable after one year | 17 | - | €0 | €20k | €40k |
| Amounts payable within one year | 42/48 | €80k | €64k | €77k | €32k |
| Trade debts payable within one year | 44 | €2k | €2k | €44k | €7k |
| Income statement | |||||
| Gross operating margin | 9900 | €16k | €33k | €-16k | €23k |
| Operating result | 9901 | €3k | €14k | €-24k | €14k |
| Financial income | 75 | €0 | €0 | €7k | €1k |
| Financial charges | 65 | €668 | €1k | €2k | €2k |
| Result before taxes | 9903 | €2k | €13k | €-19k | €13k |
| Income taxes | 67/77 | €3k | €2k | €0 | €5k |
| Net result for the period | 9904 | €-615 | €11k | €-19k | €8k |
| Result to be appropriated | 9905 | €-615 | €11k | €-19k | €8k |
Legal Structure
| NACE primary | Real estate agency activities(68310) |
| Legal form | Private limited company(610) |
| Incorporation | 01-11-1987 |
| Status | Active |
| Postal code | 7100 |
Establishment units
Rue du Temple(L.L) 6, 7100 La Louvière
since 20022.031.257.895
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372D0043/00E009 | Wallonia | 136 m² | 1 · 62 m² | - |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-19k ▼348%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
14-11
State Gazette act
Director changes
Nicolas Demolin
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
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.
Belgisch Staatsblad, acts
All acts · 1
updated 2 years ago
2023
14-11-2023 Change in the board of directors
Notary:
Nicolas Demolin · Manage
Technical details
{
"events": [],
"notary": {
"name": "Nicolas Demolin",
"firm_city": null,
"firm_name": null,
"office_city": "Manage",
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-11-14",
"filing_date": "2023-11-10",
"act_kind_objet": "Objet de l\u0027acte:"
},
"decisions": [
{
"body": "algemene_vergadering",
"date": "2023-10-13",
"unanimous": true
}
],
"is_correction": false,
"subject_company": {
"kbo": "0432.373.540",
"name_full": "OCIMMO",
"legal_form": "SRL"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Nicolas DEMOLIN",
"org_rep_person_name": null,
"person_role_at_subject": "notaire"
},
"co_filed_documents": [
"exp\u00E9dition du proc\u00E8s-verbal \u2013 statuts coordonn\u00E9s"
],
"corrected_publication_numac": null
}Credit advice
Company registry (CBE)
Activities
Real estate agency activities68310Real estate activities6831170311Other construction installation43240Specialised construction activities43299
Names & trade names
| Legal nameFR | OCIMMO |
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