Societe Immobiliere
ActiveSummary
Societe Immobiliere has been active since 1947 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.55M and a net result of €3k. Equity remains stable across the filed fiscal years (±0.1% per year). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-4
Solvency74=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €170k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.01 in 2024; short-term debt: 43.8% and cash: 0% of total assets), and 50.9% 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+raises risk○neutral
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.1%
Return on assets
0.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
61 d late
2023
30 d late
2022
30 d late
2021
34 d early
2020
44 d late
2019
37 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.55M▲ 0.1%
2024 · €2.54M
2018: €2.52M
2019: €2.46M
2020: €2.36M
2021: €2.36M
2022: €2.35M
2023: €2.35M
2024: €2.54M
2018 → 2025
Total assets
€5.19M▲ 0.7%
2024 · €5.15M
2018: €5.25M
2019: €5.66M
2020: €5.49M
2021: €5.37M
2022: €5.28M
2023: €5.22M
2024: €5.15M
2018 → 2025
Net result
€3k▼ 98.6%
2024 · €194k
2018: €-13k
2019: €-63k
2020: €-97k
2021: €-2k
2022: €-11k
2023: €-632
2024: €194k
2018 → 2025
Working capital
€-2.26M▼ 3.3%
2024 · €-2.19M
2018: €-2.01M
2019: €-2.25M
2020: €-2.33M
2021: €-2.34M
2022: €-2.36M
2023: €-2.41M
2024: €-2.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.36M-€2.35M▼ 0.5%€2.35M=€2.54M▲ 8.3%€2.55M▲ 0.1%
Operating result€-5k-€-18k▼ 272%€-5k▲ 74.6%€260k€-3k
Net result€-2k-€-11k▼ 420%€-632▲ 94.3%€194k€3k▼ 98.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €260k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.19M
Fixed assets
€5.18M ▲ 0.8%
Current assets
€12k ▼ 26.7%
Equity and liabilities €5.19M
Equity
€2.55M ▲ 0.1%
Provisions
€178k ▼ 9.7%
Debt
€2.47M ▲ 2.3%
Debt's share of the balance-sheet total rises from 46.8% to 47.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€85k▼
2024 · €325k
Cash flow
€91k▼
2024 · €259k
Current ratio
0.01▼
2024 · 0.01
Debt to equity
0.97▲
2024 · 0.95
ROE
0.1%▼
2024 · 7.6%
ROA
0.1%▼
2024 · 3.8%
Interest coverage
19.85▼
2024 · 29.41
Debt ≤ 1 year
€2.27M▲
2024 · €2.21M
Debt > 1 year
€192k▼
2024 · €205k
Income taxes
€9k▼
2024 · €25k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.15M€5.19M▲
Fixed assets21/28€5.14M€5.18M▲
Tangible fixed assets22/27€4.28M€4.32M▲
Land and buildings22€1.05M€1.06M▲
Furniture and vehicles24€31k€25k▼
Other tangible fixed assets26€3.19M€3.23M▲
Financial fixed assets28€858k€858k=
Current assets29/58€16k€12k▼
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€10k€10k▲
Equity and liabilities
Total equity and liabilities10/49€5.15M€5.19M▲
Equity10/15€2.54M€2.55M▲
Contributions10/11€1.98M€1.98M=
Capital10€1.98M€1.98M=
Issued capital100€1.98M€1.98M=
Reserves13€470k€437k▼
Non-distributable reserves130/1€40k€49k▲
Legal reserve130€40k€49k▲
Tax-exempt reserves132€430k€389k▼
Profit (loss) carried forward14€99k€134k▲
Provisions and deferred taxes16€197k€178k▼
Deferred taxes168€197k€178k▼
Amounts payable17/49€2.41M€2.47M▲
Amounts payable after more than one year17€205k€192k▼
Financial debts170/4€205k€186k▼
Other amounts payable178/9€0€6k▲
Amounts payable within one year42/48€2.21M€2.27M▲
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€1k€16k▲
Suppliers440/4€1k€16k▲
Taxes, remuneration and social security45€25k€9k▼
Taxes450/3€25k€9k▼
Other amounts payable47/48€2.16M€2.23M▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€226k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€88k▲
Other operating charges640/8€16k€15k▼
Gross operating margin9900€341k€100k▼
Operating profit (loss)9901€260k€-3k▼
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€11k€4k▼
Recurring financial charges65€11k€4k▼
Profit (loss) for the period before taxes9903€249k€-8k▼
Transfer from deferred taxes780€16k€19k▲
Transfer to deferred taxes680€46k€0▼
Income taxes67/77€25k€9k▼
Profit (loss) for the period9904€194k€3k▼
Transfer from tax-exempt reserves789€31k€41k▲
Transfer to tax-exempt reserves689€137k€0▼
Profit (loss) for the period to be appropriated9905€89k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€143k▲
Profit (loss) brought forward from the previous period14P€10k€99k▲
Transfer to equity691/2-€9k
To the legal reserve6920-€9k
The notes to these accounts (7 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Back to profitnet €194k
Net result €194k after 6 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 44 days late
2020
31-12
Financial
Weakest financial yearnet €-97k
Net result drops to €-97k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Geraardsbergen · 1 establishment unit since 2000
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.
Klakvijverstraat(Gri) 66B9506 GeraardsbergenGround area
743 m²
Building footprint
581 m²
Volume, LiDAR
7,071 m³
Parcel 41022A0373/00M000, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Klakvijverstraat(Gri) 66B, 9506 Geraardsbergen
since 20002.041.026.785
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41022A0373/00M000 | Flanders | 743 m² | 1 · 581 m² | 17.2 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-10-1947
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.