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SL Immo

Active
Private limited companyfounded 20242 yrs activeBambusch(MTZ) 76, 4850 Plombières, BelgiumKBO/BCE: BE 1011.904.493
Summary

The computed 12-month bankruptcy probability of SL Immo is 3.8% (moderate). The 2025 annual accounts show equity of €20,540 and a net result of -€29,460. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes
Profitability5
Solvency33
Growth-
Track record67
Bankruptcy probability, 12 months
3.8% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.3; short-term debt: 24% and cash: 7.3% of total assets), and 92.1% of the assets are financed with debt.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2025
Solvency, return and age of the figures
Solvency
7.9%
Return on assets
-11.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 1 filing
Deviation from the deadline
2025
21 d late
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

On 24 July 2024, SL Immo was incorporated as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€20,540
Total assets
€258,878
Net result
-€29,460
Working capital
-€43,235

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €258,878
Fixed assets €240,074
Current assets €18,804
Equity and liabilities €258,878
Equity €20,540
Debt €238,339
Debt finances 92.1% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
-€6,436
Cash flow
-€19,535
Current ratio
0.30
Debt to equity
11.60
ROE
-143.4%
ROA
-11.4%
Interest coverage
-0.49
Debt ≤ 1 year
€62,040
Debt > 1 year
€176,232

Peer companies

Historical observation

Of the 759 companies that looked in July 2024 the way this one looks now, 7.5% went bankrupt within 24 months and 86% are still going.

  • Micro
  • 2 to 5 years old
  • solvency under 10%
  • a loss of 10% of the balance sheet or more
7.5% went bankrupt
4.5% stopped otherwise
86% still going

A further 1.7% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.8% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 759 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 29 lines
Balance sheet Code2025
Assets
Total assets20/58€258,878
Fixed assets21/28€240,074
Tangible fixed assets22/27€240,074
Land and buildings22€240,074
Current assets29/58€18,804
Cash at bank and in hand54/58€18,804
Equity and liabilities
Total equity and liabilities10/49€258,878
Equity10/15€20,540
Contributions10/11€50,000
Profit (loss) carried forward14-€29,460
Amounts payable17/49€238,339
Amounts payable after more than one year17€176,232
Financial debts170/4€176,232
Amounts payable within one year42/48€62,040
Current portion of amounts payable after more than one year42€10,460
Trade debts44€26
Suppliers440/4€26
Other amounts payable47/48€51,555
Accrued charges and deferred income492/3€67
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,926
Other operating charges640/8€34,325
Gross operating margin9900€27,888
Operating profit (loss)9901-€16,362
Financial charges65/66B€13,098
Recurring financial charges65€13,098
Profit (loss) for the period before taxes9903-€29,460
Profit (loss) for the period9904-€29,460
Profit (loss) for the period to be appropriated9905-€29,460
Appropriation of the result
Profit (loss) to be appropriated9906-€29,460

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9,926
Other operating charges640/8€34,325
Gross operating margin9900€27,888
Operating profit (loss)9901-€16,362
Financial charges65/66B€13,098
Recurring financial charges65€13,098
Profit (loss) for the period before taxes9903-€29,460
Profit (loss) for the period9904-€29,460
Profit (loss) for the period to be appropriated9905-€29,460
Line2025
Assets
Total assets20/58€258,878
Fixed assets21/28€240,074
Tangible fixed assets22/27€240,074
Land and buildings22€240,074
Current assets29/58€18,804
Cash at bank and in hand54/58€18,804
Equity and liabilities
Total equity and liabilities10/49€258,878
Equity10/15€20,540
Contributions10/11€50,000
Profit (loss) carried forward14-€29,460
Amounts payable17/49€238,339
Amounts payable after more than one year17€176,232
Financial debts170/4€176,232
Amounts payable within one year42/48€62,040
Current portion of amounts payable after more than one year42€10,460
Trade debts44€26
Suppliers440/4€26
Other amounts payable47/48€51,555
Accrued charges and deferred income492/3€67
Line2025
Profit (loss) for the period9904-€29,460
+ Depreciation and write-downs630€9,926
Operating cash flow (approximation)-€19,535

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
21-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
NBB filing
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 act for this company is 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, Plombières
exact location from the address register On OpenStreetMap
Ground area
530 m²
Building footprint
80 m²
Parcel 63054B0158/00N000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
63054B0158/00N000 Wallonia 529 m² 1 · 80 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Identification & contact

Identification
Legal formPrivate limited company
Founded24-07-2024
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:1011904493
Registered 13-11-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.