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OTC IMMO

Active
Private limited companyfounded 20224 yrs activeRue Phocas Lejeune,Isnes 8, 5032 Gembloux, BelgiumKBO/BCE: BE 0781.833.064
Summary

OTC IMMO has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €128,993 and a net result of €90,472. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 45% of 14254 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability79▲+48
Solvency49▲+20
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 3.58 against 1.43 in 2024; short-term debt: 28% and cash: 56.4% of total assets), but 76.3% of the assets are financed with debt.
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Signals

Six 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
23.7%
Return on assets
16.6%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
22232425
2022 to 2025 · latest year €128,993
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 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 · 4 filings
Deviation from the deadline
2025
31 d late
2024
30 d late
2023
28 d late
2022
32 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 30 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. Usually files around 31 August (4 of the last 4 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 10 February 2022, OTC IMMO was incorporated as a Private limited company.1 Total assets went from EUR 441,871 in 2022 to EUR 544,109 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2022 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€128,993▲ 235%
2024 · €38,521
Total assets
€544,109▼ 45.5%
2024 · €998,646
Net result
€90,472
2024 · -€27,913
Working capital
€391,993▲ 30.0%
2024 · €301,521
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
Line2022202320242025
Operating result€98,773--€9,454-€25,971▼ 175%€90,648
Net result€70,518above the sector's middle half--€12,083below the sector's middle half-€27,913below the sector's middle half▼ 131%€90,472above the sector's middle half
Equity€78,518within the sector's middle half-€66,434within the sector's middle half▼ 15.4%€38,521within the sector's middle half▼ 42.0%€128,993within the sector's middle half▲ 235%
Total assets€441,871within the sector's middle half-€969,335within the sector's middle half▲ 119%€998,646within the sector's middle half▲ 3.0%€544,109within the sector's middle half▼ 45.5%
Debt€363,353-€902,901▲ 148%€960,125▲ 6.3%€415,116▼ 56.8%
Working capital€78,518within the sector's middle half-€281,434above the sector's middle half▲ 258%€301,521above the sector's middle half▲ 7.1%€391,993above the sector's middle half▲ 30.0%
Solvency17.8%within the sector's middle half-6.9%within the sector's middle half▼ 10.9pp3.9%below the sector's middle half▼ 3.0pp23.7%within the sector's middle half▲ 19.8pp
Current ratio1.22within the sector's middle half-1.41within the sector's middle half▲ 0.191.43within the sector's middle half▲ 0.023.58above the sector's middle half▲ 2.14
Return on assets (ROA)16.0%above the sector's middle half--1.2%within the sector's middle half▼ 17.2pp-2.8%below the sector's middle half▼ 1.5pp16.6%above the sector's middle half▲ 19.4pp
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
-€50,000€0€50,000€100,000Operating result 2022: €98,773€98,773Net result 2022: €70,518€70,518Operating result 2023: -€9,454-€9,454Net result 2023: -€12,083-€12,083Operating result 2024: -€25,971-€25,971Net result 2024: -€27,913-€27,913Operating result 2025: €90,648€90,648Net result 2025: €90,472€90,4722022202320242025-€50,000€0€50,000€100,000Operating result 2023: -€9,454-€9,450Net result 2023: -€12,083-€12,100Operating result 2024: -€25,971-€26,000Net result 2024: -€27,913-€27,900Operating result 2025: €90,648€90,600Net result 2025: €90,472€90,500202320242025
The operating result returns to profit in 2025: €90,648 after a loss of €25,971 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €544,109
Equity €128,993 ▲ 235%
Debt €415,116 ▼ 56.8%
Debt's share of the balance-sheet total falls from 96.1% to 76.3%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
Debt to equity
3.22▼
2024 · 24.92
ROE
70.1%▲
2024 · -72.5%
Debt ≤ 1 year
€152,116▼
2024 · €697,125
Debt > 1 year
€263,000=
2024 · €263,000
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,602 companies that looked in July 2024 the way this one looks now, 2.1% went bankrupt within 24 months and 97% are still going.

  • Small
  • 2 to 5 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more
2.1% went bankrupt
0.9% stopped otherwise
97% still going

A further 0.5% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.7%
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 75% 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 1,602 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€998,646€544,109▼
Current assets29/58€998,646€544,109▼
Stocks and contracts in progress3€526,000-
Stocks30/36€526,000-
Amounts receivable within one year40/41€2,212€2,212=
Other amounts receivable41€2,212€2,212=
Current investments50/53€368,268€235,068▼
Cash at bank and in hand54/58€17,527€306,828▲
Deferred charges and accrued income490/1€84,639-
Equity and liabilities
Total equity and liabilities10/49€998,646€544,109▼
Equity10/15€38,521€128,993▲
Contributions10/11€8,000€8,000=
Reserves13€70,518€70,518=
Distributable reserves133€70,518€70,518=
Profit (loss) carried forward14-€39,997€50,475▲
Amounts payable17/49€960,125€415,116▼
Amounts payable after more than one year17€263,000€263,000=
Financial debts170/4€263,000€263,000=
Amounts payable within one year42/48€697,125€152,116▼
Trade debts44€61,925€31,916▼
Suppliers440/4€61,925€31,916▼
Other amounts payable47/48€635,200€120,200▼
Income statement Code20242025
Other operating charges640/8€2,481€28,404▲
Gross operating margin9900-€23,489€119,052▲
Operating profit (loss)9901-€25,971€90,648▲
Financial income75/76B€2,999-
Recurring financial income75€2,999-
Financial charges65/66B€3,766€176▼
Recurring financial charges65€3,766€176▼
Profit (loss) for the period before taxes9903-€26,737€90,472▲
Income taxes67/77€1,176-
Profit (loss) for the period9904-€27,913€90,472▲
Profit (loss) for the period to be appropriated9905-€27,913€90,472▲
Appropriation of the result
Profit (loss) to be appropriated9906-€39,997€50,475▲
Profit (loss) brought forward from the previous period14P-€12,083-€39,997▼

The notes to these accounts (2 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Other operating charges640/8€725€367€2,481€28,404▲ 1,045%
Gross operating margin9900€99,498-€9,087-€23,489€119,052▲ 607%
Operating profit (loss)9901€98,773-€9,454-€25,971€90,648▲ 449%
Financial income75/76B€3,355€4,375€2,999--
Recurring financial income75€3,355€4,375€2,999--
Financial charges65/66B€44€7,005€3,766€176▼ 95.3%
Recurring financial charges65€44€7,005€3,766€176▼ 95.3%
Profit (loss) for the period before taxes9903€102,084-€12,083-€26,737€90,472▲ 438%
Income taxes67/77€31,566-€1,176--
Profit (loss) for the period9904€70,518-€12,083-€27,913€90,472▲ 424%
Profit (loss) for the period to be appropriated9905€70,518-€12,083-€27,913€90,472▲ 424%
Line2022202320242025Change
Assets
Total assets20/58€441,871€969,335€998,646€544,109▼ 45.5%
Current assets29/58€441,871€969,335€998,646€544,109▼ 45.5%
Stocks and contracts in progress3-€471,000€526,000--
Stocks30/36-€471,000€526,000--
Amounts receivable within one year40/41€1,006€6,596€2,212€2,212=
Trade receivables40-€4,277---
Other amounts receivable41€1,006€2,319€2,212€2,212=
Current investments50/53€400,142€400,054€368,268€235,068▼ 36.2%
Cash at bank and in hand54/58€38,101€31,085€17,527€306,828▲ 1,651%
Deferred charges and accrued income490/1€2,621€60,599€84,639--
Equity and liabilities
Total equity and liabilities10/49€441,871€969,335€998,646€544,109▼ 45.5%
Equity10/15€78,518€66,434€38,521€128,993▲ 235%
Contributions10/11€8,000€8,000€8,000€8,000=
Reserves13€70,518€70,518€70,518€70,518=
Distributable reserves133€70,518€70,518€70,518€70,518=
Profit (loss) carried forward14--€12,083-€39,997€50,475▲ 226%
Amounts payable17/49€363,353€902,901€960,125€415,116▼ 56.8%
Amounts payable after more than one year17-€215,000€263,000€263,000=
Financial debts170/4-€215,000€263,000€263,000=
Amounts payable within one year42/48€363,353€687,901€697,125€152,116▼ 78.2%
Trade debts44€21,787€41,134€61,925€31,916▼ 48.5%
Suppliers440/4€21,787€41,134€61,925€31,916▼ 48.5%
Taxes, remuneration and social security45€31,566€31,566---
Taxes450/3€31,566€31,566---
Other amounts payable47/48€310,000€615,200€635,200€120,200▼ 81.1%
Line2022202320242025Change
Profit (loss) for the period9904€70,518-€12,083-€27,913€90,472▲ 424%
Operating cash flow (approximation)€70,518-€12,083-€27,913€90,472▲ 424%
Change in cash--€7,015-€13,558€289,302▲ 2,234%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial Back to profitnet €90,472
Net result €90,472 after 2 loss-making years.
31-12
Financial Liquidity doublescurrent ratio 3.58
Current ratio from 1.43 to 3.58; short-term debt falls from €697,125 to €152,116.
31-12
Financial Equity above €100,000Eq €128,993 ▲235%
Equity rises from €38,521 to €128,993.
30-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial Weakest financial yearnet -€27,913
Net result drops to -€27,913, the lowest in the series; recovery starts the following year.
28-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
01-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Gembloux · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
1,917 m²
Building footprint
188 m²
Volume, LiDAR
1,497 m³
Parcel 92065B0050/00Z002, Wallonia · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
OTC IMMO
Rue Phocas Lejeune,Isnes 8, 5032 GemblouxReal estate activities
since 20222.330.207.442
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92065B0050/00Z002 Wallonia 1,917 m² 1 · 188 m² 9.5 m · 3 fl.
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

Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 3,788 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
Founded10-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
E-invoicing
Not found in the Peppol register

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Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.