SIMARFI IMMO
ActiveSummary
The computed 12-month bankruptcy probability of SIMARFI IMMO is 2.1% (moderate). For SIMARFI IMMO, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show equity of €58,444 and a net result of -€158. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability37▼-63
Solvency92▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
66.6%
Return on assets
-0.2%
Age of the figures
33 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 · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline28-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-10-2024, 90 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
not confirmed
2024
not filed
2023
90 d late
2022
60 d late
2021
425 d late
2020
86 d late
2019
117 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 5 accounts on average 156 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2023, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€158
2022 · €52,427
Working capital
€58,444▼ 0.3%
2022 · €58,602
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Operating result-€710€3,064€26,111▲ 752%€52,961▲ 103%
Net result-€21,623▼ 45.2%-€17,960▲ 16.9%€12,544€52,427▲ 318%-€158
Equity€11,590▼ 65.1%-€6,369€6,175€58,602▲ 849%€58,444▼ 0.3%
Total assets€422,278▼ 6.9%€394,943▼ 6.5%€183,620▼ 53.5%€91,920▼ 49.9%€87,763▼ 4.5%
Debt€410,687▼ 2.3%€401,312▼ 2.3%€177,446▼ 55.8%€33,318▼ 81.2%€29,318▼ 12.0%
Working capital-€45,137▼ 42.2%-€42,242▲ 6.4%-€32,693▲ 22.6%€58,602€58,444▼ 0.3%
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2022 is 103% above 2021 and is the highest result in the available series.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Equity and liabilities €87,763
Equity
€58,444 ▼ 0.3%
Debt
€29,318 ▼ 12.0%
Debt's share of the balance-sheet total falls from 36.2% to 33.4%. Equity and debt are lower.
Key figures and ratios
Current ratio
2.99▲
2022 · 2.76
Debt to equity
0.50▼
2022 · 0.57
ROE
-0.3%▼
2022 · 89.5%
ROA
-0.2%▼
2022 · 57.0%
Debt ≤ 1 year
€29,318▼
2022 · €33,318
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,103 | €28,892 | €21,055 | €5,859 | - | - |
| Non-recurring operating charges66A | - | - | €829 | - | - | - |
| Gross operating margin9900 | €33,163 | €33,752 | €47,996 | €58,820 | - | - |
| Operating profit (loss)9901 | -€710 | €3,064 | €26,111 | €52,961 | - | - |
| Financial income75/76B | - | - | - | €10 | - | - |
| Recurring financial income75 | €0 | €5 | - | €10 | - | - |
| Financial charges65/66B | - | - | €13,567 | €544 | €158 | ▼ 71.0% |
| Recurring financial charges65 | €20,912 | €21,028 | €13,567 | €544 | €158 | ▼ 71.0% |
| Profit (loss) for the period before taxes9903 | -€21,623 | -€17,960 | €12,544 | €52,427 | -€158 | ▼ 100% |
| Profit (loss) for the period9904 | -€21,623 | -€17,960 | €12,544 | €52,427 | -€158 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | -€21,623 | -€17,960 | €12,544 | €52,427 | -€158 | ▼ 100% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €422,278 | €394,943 | €183,620 | €91,920 | €87,763 | ▼ 4.5% |
| Fixed assets21/28 | €417,595 | €388,703 | €180,343 | - | - | - |
| Intangible fixed assets21 | €65,125 | €65,125 | €34,250 | - | - | - |
| Tangible fixed assets22/27 | €352,470 | €323,578 | €146,093 | - | - | - |
| Land and buildings22 | - | - | €146,093 | - | - | - |
| Current assets29/58 | €4,682 | €6,240 | €3,277 | €91,920 | €87,763 | ▼ 4.5% |
| Amounts receivable within one year40/41 | €2 | €13 | €11 | €24,717 | €38,938 | ▲ 57.5% |
| Other amounts receivable41 | - | - | €11 | €24,717 | €38,938 | ▲ 57.5% |
| Cash at bank and in hand54/58 | €1,725 | €3,627 | €3,266 | €67,203 | €48,824 | ▼ 27.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €422,278 | €394,943 | €183,620 | €91,920 | €87,763 | ▼ 4.5% |
| Equity10/15 | €11,590 | -€6,369 | €6,175 | €58,602 | €58,444 | ▼ 0.3% |
| Contributions10/11 | €60,000 | - | €60,000 | €60,000 | €60,000 | = |
| Outside capital11 | - | - | €60,000 | €60,000 | €60,000 | = |
| Other1109/19 | - | - | €60,000 | €60,000 | €60,000 | = |
| Revaluation surpluses12 | - | - | €89,971 | €89,971 | €89,971 | = |
| Profit (loss) carried forward14 | -€138,381 | -€156,340 | -€143,796 | -€91,369 | -€91,527 | ▼ 0.2% |
| Amounts payable17/49 | €410,687 | €401,312 | €177,446 | €33,318 | €29,318 | ▼ 12.0% |
| Amounts payable after more than one year17 | €360,868 | €349,399 | €141,475 | - | - | - |
| Financial debts170/4 | - | - | €141,475 | - | - | - |
| Amounts payable within one year42/48 | €49,820 | €48,482 | €35,970 | €33,318 | €29,318 | ▼ 12.0% |
| Current portion of amounts payable after more than one year42 | - | - | €25,361 | - | - | - |
| Financial debts43 | - | - | €2 | - | - | - |
| Credit institutions430/8 | - | - | €2 | - | - | - |
| Trade debts44 | €3,829 | €2,997 | - | - | - | - |
| Other amounts payable47/48 | - | - | €10,607 | €33,318 | €29,318 | ▼ 12.0% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,623 | -€17,960 | €12,544 | €52,427 | -€158 | ▼ 100% |
| + Depreciation and write-downs630 | €32,103 | €28,892 | €21,055 | €5,859 | - | - |
| Operating cash flow (approximation) | €10,480 | €10,933 | €33,600 | €58,286 | -€158 | ▼ 100% |
| Investment in fixed assets (approximation) | - | €0 | €187,304 | - | - | - |
| Change in cash | - | €1,902 | -€361 | €63,937 | -€18,379 | ▼ 129% |
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
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 90 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 60 days late
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 425 days late
2022
31-12
Financial
Highest result since 2018net €52,427 ▲318%
Net result €52,427, the highest in the series.
31-12
Financial
Liquidity times 30current ratio 2.76
Current ratio from 0.09 to 2.76; short-term debt falls from €35,970 to €33,318.
2021
31-12
Financial
Back to profitnet €12,544
Net result €12,544 after 3 loss-making years.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 117 days late
2019
31-12
Financial
Weakest financial yearnet -€21,623
Net result drops to -€21,623, the lowest in the series; recovery starts the following year.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
06-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 67 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Florennes · 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.
Rue du Ban, Hanzinne 215620 Florennes1 establishment unit
SIMARFI IMMO
since 20122.208.419.289
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded21-03-2012
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
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Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.