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Generated 15-08-2026
Active BE 0876.817.444Private limited company

PRO IMMO LIFE

Rue des Poiriers, Sauv. 10 ·5030 Gembloux, Belgium· 20 yrs active
Sector: Handel in eigen onroerend goed (68110)
Conclusion Checked

The KBO register records legal situation 050 for PRO IMMO LIFE (Register: open bankruptcy); this is today's state according to the register itself, which carries no start date. The 2023 annual accounts show equity of €203k and a net result of €-34.

Based on the State Gazette, CBE and 6 annual accounts.
Key figures
Equity €203k
Net result €-34
Staff (FTE) 5.8
Better than sector 55%
Snowflake analysis 5 of 5 axes measured · computed by Checked
Health0Profitability0Solvency36Growth52Stability0
18 / 100

Fragile profile, watch health in particular.

All 5 axes are computed from data Checked has read.

Health 0
Profitability 0
Solvency 36
Growth 52
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
10 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· 1 judicial reorganisation (+10)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
In judicial reorganisation
Ongoing procedure under court protection (Book XX WER). The company is restructuring.
Administrative Flags0 events
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.
Health barometer FY 2023 · computed
0 / 100 Critical
050100
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023 and the legal situation the KBO register itself records. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 11-07-2024 with the NBB · fiscal year 2023 · volledig
€-200k€0€200k€400kOperating result 2019: €401k€401kNet result 2019: €-4k€-4kOperating result 2020: €30k€30kNet result 2020: €27k€27kOperating result 2021: €213k€213kNet result 2021: €154k€154kOperating result 2022: €17k€17kNet result 2022: €-5k€-5kOperating result 2023: €1k€1kNet result 2023: €-34€-3420192020202120222023
Operating resultNet result
Sector comparison
Fiscal year 2023 · NACE 68, Real estate activities · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 23.8% 16.6%
better than 55% of 656 sector peers
Net result €-34 €-1k
better than 51% of 652 sector peers
Equity €203k €159k
better than 52% of 656 sector peers
Gross operating margin €476k €44k
better than 85% of 498 sector peers
Staff costs €340k €90k
higher than 74% of 130 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€71k
-3.7% 18-23
Net profit
€-34
+99.3% 18-23
Cash flow
€69k
+33.4% 18-23
Total assets
€852k
-16.1% 18-23
Equity
€203k
-59.7% 18-23
Working capital
€30k
-94.7% 18-23
Employees (FTE)
6
+20.8% 18-23
Staff costs
€340k
+50.2% 18-23
Income taxes
€113k
+433.4% 18-23
Dividends
€300k
- 18-23
Debt
€649k
+65.0% 18-23
Debt ≤ 1y
€570k
+84.1% 18-23
Debt > 1y
€79k
-5.3% 18-23
Current ratio
1.05
-62.4% 18-23
Quick ratio
0.77
-68.5% 18-23
Solvency
23.8%
-51.9% 18-23
Debt / equity
3.20
+309.1% 18-23
ROE
0.0%
+98.2% 18-23
ROA
0.0%
+99.1% 18-23
Interest coverage
8.30
-27.2% 18-23
Figures by fiscal year
Fiscal year2023
Depositvolledig
Revenue-
EBITDA€71k
Net profit€-34
Cash flow€69k
Staff costs€340k
Income taxes€113k
Dividends€300k
Total assets€852k
Equity€203k
Debt€649k
of which ≤ 1y€570k
of which > 1y€79k
Working capital€30k
Employees (FTE)5.8
Ratios (computed)
2023
Current ratio1.05
Quick ratio0.77
Working capital ratio3.5%
Solvency23.8%
Debt / equity3.20
Long-term debt ratio0.39
Interest coverage8.30
Gross margin-
Net margin-
ROA0.0%
ROE0.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€852k
Fixed assets 21/28€253k
Intangible fixed assets 21€31k
Tangible fixed assets 22/27€222k
Financial fixed assets 28€175
Current assets 29/58€600k
Stocks & contracts in progress 3€163k
Amounts receivable within one year 40/41€309k
Cash & bank 54/58€120k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€852k
Equity 10/15€203k
Contributions / capital 10/11€19k
Reserves 13€2k
Accumulated profits (losses) 14€182k
Provisions & deferred taxes 16€0
Amounts payable 17/49€649k
Amounts payable after one year 17€79k
Amounts payable within one year 42/48€570k
Trade debts payable within one year 44€68k
Income statement
Gross operating margin 9900€476k
Operating result 9901€1k
Financial income 75€1k
Financial charges 65€9k
Result before taxes 9903€-6k
Income taxes 67/77€113k
Net result for the period 9904€-34
Result to be appropriated 9905€283k
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • DECOURTY Philippe
    Director
    State Gazette act 23052375 (18-04-2023)
    Current
    13-03-2023 → present
  • GHÁZOUANI Myriam
    Director
    State Gazette act 23052375 (18-04-2023)
    Current
    13-03-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Handel in eigen onroerend goed(68110)
Legal form Private limited company(610)
Incorporation20-10-2005
StatusActive
Postal code5030
First BS signal 07-07-2025
Latest BS signal 07-07-2025
Establishment units 1 location
Pro Immo Life
Rue des Poiriers, Sauv. 10, 5030 GemblouxAlgemene metaalbewerking
since 20072.161.687.560
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92253D0280/00H003 Wallonia 6,578 m² 1 · 2,817 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
07-07-2025
Judicial reorganisation Practitioner designation
Tribunal de l’entreprise de Liège
2024
11-07-2024
NBB filing Annual accounts filed
fiscal year 2023 · volledig
2023
03-10-2023
NBB filing Annual accounts filed
fiscal year 2022 · volledig
18-04-2023
State Gazette act Director changes
2022
12-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · volledig
2021
02-07-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
02-07-2021
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
30-09-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
27-09-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2017
22-11-2017
NBB filing Annual accounts filed
fiscal year 2016 · micro
2016
25-07-2016
NBB filing Annual accounts filed
fiscal year 2015 · volledig
2015
24-08-2015
NBB filing Annual accounts filed
fiscal year 2014 · volledig
Lifecycle & Insolvency Signals1 events
07-07-2025
Judicial reorganisation Practitioner designation
 · Tribunal de l’entreprise de Liège · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-07-07 · Judicial reorganisation · Practitioner designation
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2023
18-04-2023 2 directors appointed Director changes
  • GHÁZOUANI Myriam, Bestuurder
  • DECOURTY Philippe, Bestuurder
Technical details 
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    "office_city": "Li\u00E8ge",
    "is_associated": false
  },
  "act_meta": {
    "language": "fr",
    "pub_date": "2023-04-18",
    "filing_date": "2023-03-15",
    "act_kind_objet": "Objet de l\u0027acte:"
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  "decisions": [
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      "body": "algemene_vergadering",
      "date": "2023-03-15",
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  "is_correction": false,
  "subject_company": {
    "kbo": "0876.817.444",
    "name_full": "PRO IMMO LIFE",
    "legal_form": "SRL"
  },
  "publication_proxy": {
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  "co_filed_documents": [],
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Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in motorvoertuigen50103Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Algemene bouw van residentiële gebouwen41001Algemene bouw van andere niet-residentiële gebouwen41003Algemene bouw van residentiële gebouwen41201Algemene bouw van andere niet-residentiële gebouwen41203Installatie van isolatie43230Overige bouwinstallatie43240Isolatiewerkzaamheden43291Overige bouwinstallatie, n.e.g.43299Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)45113Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)45201Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)47811Onderhoud en reparatie van auto's50200Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)95311
Primary activity highlighted.
Names & trade names
Legal nameFR PRO IMMO LIFE
Registered office
Rue des Poiriers, Sauv. 10
5030 Gembloux, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative