PEPIT-IMMO
ActiveSummary
PEPIT-IMMO has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €789k and a net result of €599k. Its solvency ranks better than 79% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency95▼-5
Growth78
Track record94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 5.85 against 4.24 in 2024; short-term debt: 10.7% and cash: 48.8% of total assets), and 29.6% of the assets are financed with debt.
Credit check for your own amount and term
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 dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
70.4%
Return on assets
53.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
25 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€789k▲ 314%
2024 · €190k
2024: €190k
2025: €789k▲ +314% vs 2024
2024 → 2025
Total assets
€1.12M▲ 349%
2024 · €249k
2024: €249k
2025: €1.12M▲ +349% vs 2024
2024 → 2025
Net result
€599k▲ 218%
2024 · €188k
2024: €188k
2025: €599k▲ +218% vs 2024
2024 → 2025
Working capital
€584k▲ 207%
2024 · €190k
2024: €190k
2025: €584k▲ +207% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€190k-€789k▲ 314%
2024: €190k
2025: €789k▲ +314% vs 2024
Operating result€273k-€803k▲ 194%
2024: €273k
2025: €803k▲ +194% vs 2024
Net result€188k-€599k▲ 218%
2024: €188k
2025: €599k▲ +218% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 194% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.12M
Fixed assets
€416k
Current assets
€704k
Equity and liabilities €1.12M
Equity
€789k ▲ 314%
Debt
€331k ▲ 462%
Debt's share of the balance-sheet total rises from 23.6% to 29.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€810k
Cash flow
€605k
Current ratio
5.85▲
2024 · 4.24
Debt to equity
0.42▲
2024 · 0.31
ROE
75.9%▼
2024 · 98.9%
ROA
53.4%▼
2024 · 75.6%
Interest coverage
167.53
Debt ≤ 1 year
€120k▲
2024 · €59k
Debt > 1 year
€211k
Income taxes
€200k▲
2024 · €84k
Staff costs
€53k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€249k€1.12M▲
Fixed assets21/28-€416k
Tangible fixed assets22/27-€416k
Land and buildings22-€364k
Plant, machinery and equipment23-€5k
Furniture and vehicles24-€46k
Current assets29/58€249k€704k▲
Amounts receivable within one year40/41€76k€158k▲
Trade receivables40€75k€135k▲
Other amounts receivable41€892€23k▲
Cash at bank and in hand54/58€172k€547k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€249k€1.12M▲
Equity10/15€190k€789k▲
Contributions10/11€2k€2k=
Reserves13€188k€188k=
Distributable reserves133€188k€188k=
Profit (loss) carried forward14-€599k
Amounts payable17/49€59k€331k▲
Amounts payable after more than one year17-€211k
Financial debts170/4-€211k
Amounts payable within one year42/48€59k€120k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€57k€103k▲
Taxes450/3€56k€91k▲
Remuneration and social security454/9€1k€12k▲
Income statement
Code20242025
Remuneration, social security and pensions62€13k€53k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€6k
Other operating charges640/8€3k€7k▲
Gross operating margin9900€290k€870k▲
Operating profit (loss)9901€273k€803k▲
Financial income75/76B-€641
Recurring financial income75-€641
Financial charges65/66B€134€5k▲
Recurring financial charges65€134€5k▲
Profit (loss) for the period before taxes9903€273k€799k▲
Income taxes67/77€84k€200k▲
Profit (loss) for the period9904€188k€599k▲
Profit (loss) for the period to be appropriated9905€188k€599k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€599k▲
Transfer to equity691/2€188k-
To other reserves6921€188k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €13k | €53k | ▲ 297% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €6k | - |
| Other operating charges640/8 | €3k | €7k | ▲ 133% |
| Gross operating margin9900 | €290k | €870k | ▲ 200% |
| Operating profit (loss)9901 | €273k | €803k | ▲ 194% |
| Financial income75/76B | - | €641 | - |
| Recurring financial income75 | - | €641 | - |
| Financial charges65/66B | €134 | €5k | ▲ 3,500% |
| Recurring financial charges65 | €134 | €5k | ▲ 3,500% |
| Profit (loss) for the period before taxes9903 | €273k | €799k | ▲ 193% |
| Income taxes67/77 | €84k | €200k | ▲ 137% |
| Profit (loss) for the period9904 | €188k | €599k | ▲ 218% |
| Profit (loss) for the period to be appropriated9905 | €188k | €599k | ▲ 218% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €249k | €1.12M | ▲ 349% |
| Fixed assets21/28 | - | €416k | - |
| Tangible fixed assets22/27 | - | €416k | - |
| Land and buildings22 | - | €364k | - |
| Plant, machinery and equipment23 | - | €5k | - |
| Furniture and vehicles24 | - | €46k | - |
| Current assets29/58 | €249k | €704k | ▲ 182% |
| Amounts receivable within one year40/41 | €76k | €158k | ▲ 107% |
| Trade receivables40 | €75k | €135k | ▲ 79.1% |
| Other amounts receivable41 | €892 | €23k | ▲ 2,484% |
| Cash at bank and in hand54/58 | €172k | €547k | ▲ 218% |
| Deferred charges and accrued income490/1 | €1k | - | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €249k | €1.12M | ▲ 349% |
| Equity10/15 | €190k | €789k | ▲ 314% |
| Contributions10/11 | €2k | €2k | = |
| Reserves13 | €188k | €188k | = |
| Distributable reserves133 | €188k | €188k | = |
| Profit (loss) carried forward14 | - | €599k | - |
| Amounts payable17/49 | €59k | €331k | ▲ 462% |
| Amounts payable after more than one year17 | - | €211k | - |
| Financial debts170/4 | - | €211k | - |
| Amounts payable within one year42/48 | €59k | €120k | ▲ 104% |
| Current portion of amounts payable after more than one year42 | - | €15k | - |
| Trade debts44 | €2k | €3k | ▲ 43.5% |
| Suppliers440/4 | €2k | €3k | ▲ 43.5% |
| Taxes, remuneration and social security45 | €57k | €103k | ▲ 80.2% |
| Taxes450/3 | €56k | €91k | ▲ 62.9% |
| Remuneration and social security454/9 | €1k | €12k | ▲ 891% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €188k | €599k | ▲ 218% |
| + Depreciation and write-downs630 | - | €6k | - |
| Operating cash flow (approximation) | €188k | €605k | ▲ 221% |
| Change in cash | - | €375k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Equity above €500kEq €789k ▲314%
2 profitable years in a row build equity to €789k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 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, Libramont-Chevigny · 2 establishment units since 2023
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.
Séviscourt,Rue des Ecoles 846800 Libramont-ChevignyGround area
572 m²
Building footprint
98 m²
Volume, LiDAR
932 m³
Parcel 85014B0377/00F000, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
PEPIT-IMMO
since 20232.348.311.305
PEPIT-IMMO Habay
since 20242.376.217.116
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85014B0377/00F000 | Wallonia | 571 m² | 1 · 98 m² | 11.2 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.
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 4,041 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
Founded17-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68310Real estate agency activities
68121Development of residential building projects
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
70200Business and other management consultancy
Contact
E-mail
jordan@pepit-immo.be
Phone
+32474237552
Scores and ratios are computed by Checked and are not a credit decision.