R & A IMMO
ActiveR & A IMMO has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €485k and a net result of €-8k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 57% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability47▼-16
Solvency64▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.08 against 0.03 in 2024; short-term debt: 8% and cash: 0.5% of total assets), and 61% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
38 d early
2023
28 d late
2022
42 d early
2021
31 d early
2020
16 d early
2019
34 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€485k▼ 1.7%
2024 · €494k
2018: €390k
2019: €393k
2020: €411k
2021: €426k
2022: €445k
2023: €470k
2024: €494k
2018 → 2025
Total assets
€1.25M▼ 4.5%
2024 · €1.30M
2018: €1.03M
2019: €993k
2020: €936k
2021: €884k
2022: €851k
2023: €1.39M
2024: €1.30M
2018 → 2025
Net result
€-8k
2024 · €24k
2018: €2k
2019: €3k
2020: €18k
2021: €15k
2022: €19k
2023: €24k
2024: €24k
2018 → 2025
Working capital
€-91k▲ 29.3%
2024 · €-129k
2018: €-310k
2019: €-286k
2020: €-249k
2021: €-216k
2022: €-180k
2023: €-66k
2024: €-129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€426k-€445k▲ 4.6%€470k▲ 5.5%€494k▲ 5.2%€485k▼ 1.7%
Operating result€32k-€38k▲ 19.3%€36k▼ 5.6%€53k▲ 45.7%€16k▼ 70.1%
Net result€15k-€19k▲ 32.2%€24k▲ 25.0%€24k▼ 0.1%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€1.24M▼ 4.8%
Current assets
€8k▲ 113%
Equity and liabilities €1.25M
Equity
€485k▼ 1.7%
Debt
€761k▼ 6.2%
The debt ratio falls from 62.1% to 61.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€83k▼
2024 · €119k
Cash flow
€59k▼
2024 · €91k
Solvency
39.0%▲
2024 · 37.9%
Current ratio
0.08▲
2024 · 0.03
Quick ratio
0.08▲
2024 · 0.03
Debt / equity
1.57▼
2024 · 1.64
ROE
-1.7%▼
2024 · 4.9%
ROA
-0.7%▼
2024 · 1.9%
Interest coverage
3.46▼
2024 · 5.00
Debt
€761k▼
2024 · €811k
Debt ≤ 1 year
€100k▼
2024 · €133k
Debt > 1 year
€657k▼
2024 · €672k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.30M€1.25M▼
Fixed assets21/28€1.30M€1.24M▼
Tangible fixed assets22/27€1.30M€1.24M▼
Land and buildings22€1.30M€1.23M▼
Plant, machinery and equipment23-€5k
Current assets29/58€4k€8k▲
Amounts receivable within one year40/41€64€3k▲
Trade receivables40-€830
Other amounts receivable41€64€2k▲
Cash at bank and in hand54/58€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.25M▼
Equity10/15€494k€485k▼
Contributions10/11€400k€400k=
Reserves13€94k€85k▼
Distributable reserves133€94k€85k▼
Amounts payable17/49€811k€761k▼
Amounts payable after more than one year17€672k€657k▼
Financial debts170/4€72k€57k▼
Other amounts payable178/9€600k€600k=
Amounts payable within one year42/48€133k€100k▼
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€885€613▼
Suppliers440/4€885€613▼
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€7k▲
Other amounts payable47/48€111k€77k▼
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€68k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€10k€12k▲
Gross operating margin9900€130k€99k▼
Operating profit (loss)9901€53k€16k▼
Financial income75/76B€1-
Recurring financial income75€1-
Financial charges65/66B€24k€24k▲
Recurring financial charges65€24k€24k▲
Profit (loss) for the period before taxes9903€29k€-8k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€24k€-8k▼
Profit (loss) for the period to be appropriated9905€24k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-8k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€24k-
To other reserves6921€24k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-8k ▼135%
Net result drops to €-8k, the lowest in the series.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €24k ▲25%
Net result €24k, the highest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Hamont-Achel · 1 establishment unit since 2012
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.
Chrysantenpad 53930 Hamont-AchelGround area
2,539 m²
Building footprint
391 m²
Volume, LiDAR
1,603 m³
Parcel 72001A0562/00H002, Flanders · tallest building 19.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
R&A IMMO
since 20122.215.936.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72001A0562/00H002 | Flanders | 2,539 m² | 1 · 391 m² | 19.2 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
GROENPLEIN
BE 0807.539.846
Brussel · Eq €486k
CAMIMAX
BE 0712.584.566
Les Bons Villers · Eq €485k
GEBROEDERS FERSON
BE 0456.059.356
Oudsbergen · Eq €486k
Solbus
BE 0643.699.720
Etterbeek · Eq €486k
REINVA
BE 0879.822.860
Damme · Eq €485k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,688 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-09-2012
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.