Turnover
≈ €150,000 estimated
The micro format states no turnover.
PZO IMMO
Lifetime
1 annual account with figurespeak €36,477 (2025)
€36,477
lowest -€6,280 (2025)
-€6,280
peak €203 (2025)
€203
€627,068
Board2 names since 2025
2 directorsToni POLIZZOTTO and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Loss of €6,280Incorporation 02-071 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsDebts
€627,068 100% of the balance sheet
Financial debts 81%Suppliers 0%Other 18%
Of this, €114,924 falls due within a year.
At the same address
5 companies
2025 accounts filed 31 days after the deadline
Checked score
69
Healthy
Financially stronger than 28% of micro companies without a NACE code
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2026: 2.4%highest value
08-2026: 2.4%● unchanged vs 07-2026highest value
09-2026: 0.5%▼ -1.9 percentage points vs 08-2026lowest value
10-2026: 0.6%▲ +0.1 percentage points vs 09-2026
11-2026: 0.6%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Last filed accounts filed 31 days late; 1 of the last 3 accounts late
Founded in 2025
lowers risk
Size: total assets €627,271
No main activity registered
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 (no NACE code, micro). It does better than 15% of them on solvency, 28% on liquidity and 40% on profitability.
The bankruptcy probability was computed on 08-11-2026 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 low class on 30-06-2025, 0.8% 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).
Comparable companies, two years later
In July 2024, 120 companies had the same profile as PZO IMMO has now. Each dot is one company, two years later.
95.8%
were still trading
1.7%
stopped another way
2.5%
went bankrupt
That fits the bankruptcy probability of PZO IMMO itself: 0.6% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 120 companies, not a prediction for PZO IMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
31 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
PB
POLIZZOTTO Bruno
Director, since 30-06-2025
- Toni POLIZZOTTO shareholderdeed of 02-07-2025
- Bruno POLIZZOTTO shareholderdeed of 02-07-2025
Recent changes
Incorporation
Demerger: PZO INVEST splits off to PZO IMMO · Issue of 50 shares · Issue of 100 shares · published on 02-07-2025 · Gazette deed
First establishment
Chemin des Boeufs 12, Theux
Official details
Source: KBO- Status
- Active since 30-06-2025Normal situation
- Activity
- “Pour son propre compte uniquement, l'acquisition, la vente, l'aménagement, la mise en location, la…” (deed in French)From the articles, 5 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.378.950.0414910 Theux, since 30-06-2025
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on PZO IMMO
PZO IMMO has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203 and a net result of -€6,280.
The computed 12-month bankruptcy probability is 0.6% (low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about PZO IMMO
- What is the company number of PZO IMMO?
- The company number of PZO IMMO is 1024.884.677. The VAT number is the same number with BE in front: BE 1024.884.677.
- Where is PZO IMMO based?
- The registered office is at Chemin des Boeufs 12, 4910 Theux.Company details
- What is the legal form of PZO IMMO?
- PZO IMMO is a private limited company (BV).
- When was PZO IMMO founded?
- PZO IMMO was founded on 30-06-2025.
- Is PZO IMMO still active?
- Yes, PZO IMMO is an active enterprise in the KBO register.
- What is the turnover of PZO IMMO?
- The turnover in financial year 2025 is ≈ €150,000. This figure is estimated from the gross margin of €36,477 and 2,935 comparable companies of the same size. It probably lies between €88,000 and €260,000. It is a rough estimate.Financials
- Is PZO IMMO profitable?
- In financial year 2025, PZO IMMO made a loss of €6,280.
- Where can I find the annual accounts of PZO IMMO?
- PZO IMMO filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
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