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RESO IMMO

Active
Private limited company (pre-2019)founded 201510 yrs activeAuguste Van Zandestraat 24, 1080 Sint-Jans-Molenbeek, BelgiumKBO/BCE: BE 0640.804.863
Summary

The computed 12-month bankruptcy probability of RESO IMMO is 4.1% (elevated). The 2025 annual accounts show equity of €35,035 and a net result of -€9,126. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 21% of 10466 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
RESO IMMOActiveChecked score 47/100
Risk analysis ReportCompare

Overview

Activity
Buying and selling of own real estate
NACE 68110
Size
€1.2mtotal assets 2025
Equity
€35,035
Loss
-€9,126
Financial health
47 Fair Checked score 2025
Bankruptcy chance 12 m
4.1%
Structure
Accounts filed 59 d late0 of 2 deeds read
Why 47- Liquidity: current ratio 0.93- Latest accounts 59 days late; 3 of the last 3 late- No establishment unit in the KBO+ Size: total assets €1.2mShow the evidence

Checked score

Score 2025
47 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 25% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 28-1
equity 3.0% of total assets
Liquidity 41-3
short-term debt 57.5%
Profitability 23-21
return on assets -0.8%
Bankruptcy probability, 12 months
4.1% Elevated
0%0.5%1.5%4%10%≥ 25%

About 4 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 4.6% 12-2024: 4.6%● 0.0% vs 11-2024 01-2025: 4.6%● 0.0% vs 12-2024 02-2025: 4.6%● 0.0% vs 01-2025 03-2025: 4.7%▲ +2.1% vs 02-2025 04-2025: 4.6%▼ -1.9% vs 03-2025 05-2025: 4.3%▼ -5.6% vs 04-2025 06-2025: 4.4%▲ +3.0% vs 05-2025 07-2025: 4.2%▼ -4.6% vs 06-2025 08-2025: 5.2%▲ +23.5% vs 07-2025 09-2025: 6.4%▲ +22.2% vs 08-2025 10-2025: 9.2%▲ +43.3% vs 09-2025 11-2025: 9.4%▲ +2.6% vs 10-2025highest value 12-2025: 7.4%▼ -20.9% vs 11-2025 01-2026: 5.2%▼ -29.9% vs 12-2025 02-2026: 5.3%▲ +1.5% vs 01-2026 03-2026: 5.3%● 0.0% vs 02-2026 04-2026: 5.2%▼ -1.6% vs 03-2026 05-2026: 5.2%▼ -0.4% vs 04-2026 06-2026: 5.0%▼ -4.3% vs 05-2026 07-2026: 4.7%▼ -6.2% vs 06-2026 08-2026: 5.5%▲ +19.0% vs 07-2026 09-2026: 6.2%▲ +12.0% vs 08-2026 10-2026: 4.1%▼ -34.5% vs 09-2026lowest value
  • Liquidity: current ratio 0.93 raises the probability
  • Latest accounts 59 days late; 3 of the last 3 late raises the probability
  • No establishment unit in the KBO raises the probability
  • Size: total assets €1.2m lowers the probability for this profile
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.93 against 0.95 in 2024; short-term debt: 57.5% of total assets), and 97% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 23%, liquidity 34%, profitability 22%, growth against the median 21%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.93
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Latest accounts 59 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · No establishment unit in the KBO
In the bankruptcy model this factor raises the probability.
KBO · seat and establishments
lowers risk · Size: total assets €1.2m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 10466 sector peers (2025).
NBB · sector comparison
Position among 10466 sector peers
Solvency
better than 21%
← weakest strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-09-2026, 59 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 filings
Deviation from the deadline
2025
59 d late
2024
109 d late
2023
44 d late
2022
110 d late
2021
26 d late
2020
4 d early
2019
152 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 71 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

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. Usually files around 28 September (4 of the last 5 filed years within 50 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Weakest financial yearnet -€9,126
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Total assets 20256 fiscal years filed €1.2m View
  • Active since 2015founded 09-10-2015 10 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.2m
Loss
-€9,126
Solvency
3.0%
Total assets=
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 28-09-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 17-11-2025Annual accounts filed
Go to Timeline

Company details

Legal form
Private limited company (pre-2019)
Activity
Buying and selling of own real estateNACE 68110
Founded
09-10-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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