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PICARD immo

Active
Private limited companyfounded 2014active for 11 yearsRue Simon 46, 6990 Hotton, BelgiumKBO/BCE: BE 0507.821.130
Summary

PICARD immo has been active since 2014 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €459,768 and a net result of €18,956. Equity has been growing by about 34% per year since 2018. Its solvency ranks better than 56% of 5,797 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 30-12-2014 Normal situation
Activity
Real estate agency activities NACE 68310and 5 others
Establishment unit
2.238.754.456 6990 Hotton, since 30-12-2014
Financial year end
31 December
Peppol
Reachable since 25-06-2025

Board and ownership

Board
  • PICARD Jean-ChristopheDirector
Shareholders
  • JEAN-CHRISTOPHE PICARDannual accounts 2019

Financial position

95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€224,442
▲ 37.6%
Turnover
≈ €400,000
estimated
Profit
€18,956
▼ 82.6%
Equity
€459,768
▲ 4.3%
Total assets
€1.0m
▲ 41.9%
Staff
3.2 FTE
=
Score breakdownlowers riskLiquidity: current ratio 2.24, cash €201,149Figures for financial year 2025 (filed on 30-03-2026)Equity €459,768 (45.4% of total assets)Size: 3.2 FTE, total assets €1.0mShow the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 57% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Average
Solvency 70-17
equity 45.4% of total assets
Liquidity 58+4
short-term debt 36.4% · cash 19.9%
Profitability 45-36
return on assets 1.9%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025highest value 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.1%● unchanged vs 02-2026 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.24 (3.56 in 2024), above the usual 1.5. Short-term debt is 36.4% and cash 19.9% of total assets. However, 54.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 61% of them on solvency, 70% on liquidity, 39% on profitability and 57% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 2.24, cash €201,149
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed on 30-03-2026)
NBB · annual accounts
lowers risk · Equity €459,768 (45.4% of total assets)
NBB · annual accounts
lowers risk · Size: 3.2 FTE, total assets €1.0m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
127 days early
2024
34 days early
2023
37 days early
2022
48 days early
2021
40 days early
2020
59 days early
2019
36 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 54 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 June (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €108,987 to €18,956 ▼ 82.6% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €18,956 8 years View

Recent changes

  1. · Gazette deed Incorporation · Founder
  2. · Gazette deed Other provision · Kind of shares
  3. · Gazette deed Incorporation
All 18 events

Comparable companies

These companies have the same main activity as PICARD immo: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €679,000 and €1m, founded between 2012 and 2016.

CompanyTotal assetsGross margin
PICARD immo Hotton€1.0m€0.2m
Agence Immobilière Sociale - Aux Portes de LIège Ans€0.9m€0.2m
JVM HOLDING Heuvelland€1.0m€0.2m
RING CONSULT Vilvoorde€0.7m€0.3m
GESTEA Ixelles€0.8m€0.3m
Vastgoed Nieuwpoort Oudenburg€0.8m€0.3m
PASSION IMMOBILIERE Gerpinnes€0.8m€0.4m
Full comparison

Key facts about PICARD immo

What is the company number of PICARD immo?
The company number of PICARD immo is 0507.821.130. The VAT number is the same number with BE in front: BE 0507.821.130.
Where is PICARD immo based?
The registered office is at Rue Simon 46, 6990 Hotton.Company details
What does PICARD immo do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of PICARD immo?
PICARD immo is a private limited company (BV).
When was PICARD immo founded?
PICARD immo was founded on 30-12-2014.
Is PICARD immo still active?
Yes, PICARD immo is an active enterprise in the KBO register.
How many employees does PICARD immo have?
PICARD immo had an average of 3.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PICARD immo?
The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €224,442 and 31 comparable companies (NACE 68310). It probably lies between €330,000 and €610,000.
Is PICARD immo profitable?
In financial year 2025, PICARD immo made a profit of €18,956.
Where can I find the annual accounts of PICARD immo?
PICARD immo filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of PICARD immo due?
PICARD immo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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