PRO-IMMO
ActiveSummary
PRO-IMMO has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-54k) and a net result of €-6k. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 4.43 against 25.74 in 2024; short-term debt: 21.6% of total assets), but equity is negative.
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
-174.4%
Return on assets
-18.7%
Age of the figures
9 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 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-54k
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
30 d late
2021
27 d late
2020
30 d late
2019
31 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
€-54k▼ 12.0%
2024 · €-48k
2018: €-24k
2019: €-35k▼ -43.5% vs 2018
2020: €-35k▼ -1.7% vs 2019
2021: €52k▲ +247% vs 2020highest in 8 years
2022: €33k▼ -35.9% vs 2021
2023: €8k▼ -74.6% vs 2022
2024: €-48k▼ -670% vs 2023
2025: €-54k▼ -12.0% vs 2024lowest in 8 years
2018 → 2025
Total assets
€31k▼ 0.9%
2024 · €31k
2018: €48k
2019: €1k▼ -97.7% vs 2018
2020: €988▼ -11.1% vs 2019lowest in 8 years
2021: €199k▲ +20027% vs 2020highest in 8 years
2022: €81k▼ -59.2% vs 2021
2023: €33k▼ -59.5% vs 2022
2024: €31k▼ -4.2% vs 2023
2025: €31k▼ -0.9% vs 2024
2018 → 2025
Net result
€-6k▲ 89.8%
2024 · €-57k
2018: €-20k
2019: €-11k▲ +47.4% vs 2018
2020: €-607▲ +94.2% vs 2019
2021: €87k▲ +14506% vs 2020highest in 8 years
2022: €-19k▼ -121% vs 2021
2023: €-25k▼ -33.3% vs 2022
2024: €-57k▼ -128% vs 2023lowest in 8 years
2025: €-6k▲ +89.8% vs 2024
2018 → 2025
Working capital
€23k▼ 19.9%
2024 · €29k
2018: €-36klowest in 8 years
2019: €-35k▲ +4.0% vs 2018
2020: €-35k▼ -1.7% vs 2019
2021: €78k▲ +322% vs 2020highest in 8 years
2022: €581▼ -99.3% vs 2021
2023: €6k▲ +955% vs 2022
2024: €29k▲ +369% vs 2023
2025: €23k▼ -19.9% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€33k▼ 35.9%€8k▼ 74.6%€-48k€-54k▼ 12.0%
2021: €52khighest in 5 years
2022: €33k▼ -35.9% vs 2021
2023: €8k▼ -74.6% vs 2022
2024: €-48k▼ -670% vs 2023
2025: €-54k▼ -12.0% vs 2024lowest in 5 years
Operating result€120k-€-18k€-24k▼ 33.9%€-57k▼ 134%€-5k▲ 90.7%
2021: €120khighest in 5 years
2022: €-18k▼ -115% vs 2021
2023: €-24k▼ -33.9% vs 2022
2024: €-57k▼ -134% vs 2023lowest in 5 years
2025: €-5k▲ +90.7% vs 2024
Net result€87k-€-19k€-25k▼ 33.3%€-57k▼ 128%€-6k▲ 89.8%
2021: €87khighest in 5 years
2022: €-19k▼ -121% vs 2021
2023: €-25k▼ -33.3% vs 2022
2024: €-57k▼ -128% vs 2023lowest in 5 years
2025: €-6k▲ +89.8% 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 stays negative: a loss of €5k in 2025 against €57k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €31k
Fixed assets
€1k ▼ 8.0%
Current assets
€30k ▼ 0.6%
Key figures and ratios
EBITDA
€-5k▲
2024 · €-56k
Cash flow
€-6k▲
2024 · €-56k
Solvency
-174.4%▼
2024 · -154.2%
Current ratio
4.43▼
2024 · 25.74
Debt to equity
-0.12▼
2024 · -0.02
ROA
-18.7%▲
2024 · -181.3%
Interest coverage
-8.94▲
2024 · -271.45
Debt
€7k▲
2024 · €1k
Debt ≤ 1 year
€7k▲
2024 · €1k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€31k€31k▼
Fixed assets21/28€1k€1k▼
Tangible fixed assets22/27€119-
Plant, machinery and equipment23€119-
Financial fixed assets28€1k€1k=
Current assets29/58€30k€30k▼
Amounts receivable within one year40/41€30k€30k▼
Trade receivables40€4k€4k=
Other amounts receivable41€26k€26k▼
Equity and liabilities
Total equity and liabilities10/49€31k€31k▼
Equity10/15€-48k€-54k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€617€617=
Profit (loss) carried forward14€-70k€-75k▼
Provisions and deferred taxes16€79k€79k=
Provisions for liabilities and charges160/5€79k€79k=
Other liabilities and charges164/5€79k€79k=
Amounts payable17/49€1k€7k▲
Amounts payable within one year42/48€1k€7k▲
Financial debts43€868€5k▲
Credit institutions430/8€868€5k▲
Trade debts44€295-
Suppliers440/4€295-
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€884€119▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€79k-
Other operating charges640/8€3k-
Gross operating margin9900€25k€-5k▼
Operating profit (loss)9901€-57k€-5k▲
Financial income75/76B€27-
Recurring financial income75€27-
Financial charges65/66B€206€575▲
Recurring financial charges65€206€575▲
Profit (loss) for the period before taxes9903€-57k€-6k▲
Profit (loss) for the period9904€-57k€-6k▲
Profit (loss) for the period to be appropriated9905€-57k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-75k▼
Profit (loss) brought forward from the previous period14P€-13k€-70k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €19k | €46k | €2k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €17k | €987 | €884 | €119 | ▼ 86.5% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | - | - | €79k | - | - |
| Other operating charges640/8 | €397 | €2k | €12k | €3k | - | - |
| Gross operating margin9900 | €141k | €47k | €-10k | €25k | €-5k | ▼ 120% |
| Operating profit (loss)9901 | €120k | €-18k | €-24k | €-57k | €-5k | ▲ 90.7% |
| Financial income75/76B | €1 | €1k | - | €27 | - | - |
| Recurring financial income75 | €1 | €1k | - | €27 | - | - |
| Financial charges65/66B | €813 | €2k | €602 | €206 | €575 | ▲ 179% |
| Recurring financial charges65 | €813 | €2k | €602 | €206 | €575 | ▲ 179% |
| Profit (loss) for the period before taxes9903 | €119k | €-18k | €-25k | €-57k | €-6k | ▲ 89.8% |
| Income taxes67/77 | €32k | €283 | €31 | - | - | - |
| Profit (loss) for the period9904 | €87k | €-19k | €-25k | €-57k | €-6k | ▲ 89.8% |
| Profit (loss) for the period to be appropriated9905 | €87k | €-19k | €-25k | €-57k | €-6k | ▲ 89.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €199k | €81k | €33k | €31k | €31k | ▼ 0.9% |
| Fixed assets21/28 | €14k | €35k | €2k | €1k | €1k | ▼ 8.0% |
| Tangible fixed assets22/27 | €13k | €34k | €1k | €119 | - | - |
| Plant, machinery and equipment23 | €954 | €2k | €900 | €119 | - | - |
| Furniture and vehicles24 | €12k | €32k | €104 | - | - | - |
| Financial fixed assets28 | €1k | €1k | €1k | €1k | €1k | = |
| Current assets29/58 | €185k | €46k | €30k | €30k | €30k | ▼ 0.6% |
| Amounts receivable within one year40/41 | €72k | €21k | €20k | €30k | €30k | ▼ 0.6% |
| Trade receivables40 | €41k | €6k | €4k | €4k | €4k | = |
| Other amounts receivable41 | €30k | €16k | €16k | €26k | €26k | ▼ 0.7% |
| Cash at bank and in hand54/58 | €113k | €24k | €10k | - | - | - |
| Deferred charges and accrued income490/1 | €267 | €1k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €199k | €81k | €33k | €31k | €31k | ▼ 0.9% |
| Equity10/15 | €52k | €33k | €8k | €-48k | €-54k | ▼ 12.0% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €617 | €617 | €617 | €617 | €617 | = |
| Profit (loss) carried forward14 | €31k | €12k | €-13k | €-70k | €-75k | ▼ 8.4% |
| Provisions and deferred taxes16 | - | - | - | €79k | €79k | = |
| Provisions for liabilities and charges160/5 | - | - | - | €79k | €79k | = |
| Other liabilities and charges164/5 | - | - | - | €79k | €79k | = |
| Amounts payable17/49 | €147k | €48k | €24k | €1k | €7k | ▲ 477% |
| Amounts payable after more than one year17 | €5k | €2k | - | - | - | - |
| Financial debts170/4 | €5k | €2k | - | - | - | - |
| Amounts payable within one year42/48 | €106k | €45k | €24k | €1k | €7k | ▲ 477% |
| Current portion of amounts payable after more than one year42 | €2k | €2k | €2k | - | - | - |
| Financial debts43 | - | - | - | €868 | €5k | ▲ 500% |
| Credit institutions430/8 | - | - | - | €868 | €5k | ▲ 500% |
| Trade debts44 | €58k | €9k | €1k | €295 | - | - |
| Suppliers440/4 | €58k | €9k | €1k | €295 | - | - |
| Advances received on contracts in progress46 | - | - | €8k | - | - | - |
| Taxes, remuneration and social security45 | €35k | €32k | €3k | - | - | - |
| Taxes450/3 | €32k | €32k | €3k | - | - | - |
| Remuneration and social security454/9 | €3k | - | - | - | - | - |
| Other amounts payable47/48 | €10k | €2k | €11k | - | €2k | - |
| Accrued charges and deferred income492/3 | €36k | €358 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €87k | €-19k | €-25k | €-57k | €-6k | ▲ 89.8% |
| + Depreciation and write-downs630 | €1k | €17k | €987 | €884 | €119 | ▼ 86.5% |
| Operating cash flow (approximation) | €89k | €-1k | €-24k | €-56k | €-6k | ▲ 89.8% |
| Investment in fixed assets (approximation) | - | €-38k | €32k | €0 | €0 | - |
| Change in cash | - | €-89k | €-13k | - | - | - |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-57k
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 21current ratio 25.74
Current ratio from 1.25 to 25.74; short-term debt falls from €24k to €1k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Back to profitnet €87k
Net result €87k after 3 loss-making years.
31-12
Financial
Liquidity times 64current ratio 1.74
Current ratio from 0.03 to 1.74.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Charleroi · 1 establishment unit since 1998
Ground area
2,972 m²
Building footprint
354 m²
Volume, LiDAR
2,893 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
PRO-IMMO
since 19982.088.301.617
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0366/00D004 | Wallonia | 2,486 m² | 1 · 238 m² | 12.2 m · 3 fl. |
| 52342B1040/00M000 | Wallonia | 485 m² | 1 · 116 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
Heat Solutions
BE 0643.871.449
Tienen · Eq €8,481
HORIZON VERT
BE 0735.593.461
Esneux · Eq €8,527
CHEMICONFORME
BE 1004.041.753
Flémalle · Eq €8,468
DVH-KOELTECHNIEK
BE 0744.688.103
Rijkevorsel · Eq €8,541
TD System
BE 0748.480.308
Lanaken · Eq €8,585
Of 9,528 companies in sector 43222 we hold annual accounts for 5,663. 2,291 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 (pre-2019)
Founded28-05-1998
Fiscal year end31-12
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
Scores and ratios are computed by Checked and are not a credit decision.