Equity
-€28,162
Debts exceed assets in financial year 2025.
SRL IMMO PEP & GIO
Lifetime
6 annual accounts with figures on one time axispeak €12,802 (2019)
-not published
lowest -€18,853 (2019)
-€858unchanged
peak -€12,653 (2019)
-€28,162▼ €858
€30,738▼ 1.8%
Board3 names since 2018
1 directorGiovanni RAMUNDO
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Loss of €858
Key points
from the 2025 annual accountsLosses
-€35,850 in six years
Every financial year from 2019 to 2025 closed with a loss. 2019 was the heaviest.
Position in the sector
-1093.5%
Lower solvency than 95% of companies in real estate. Sector median 28.9% · 17,190 companies.
2025 accounts filed 31 days after the deadline
Checked score
49
Fair
Financially stronger than 12% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.8% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.7%lowest value
01-2025: 1.7%● unchanged vs 12-2024lowest value
02-2025: 1.9%▲ +0.2 percentage points vs 01-2025
03-2025: 1.9%● unchanged vs 02-2025
04-2025: 1.9%● unchanged vs 03-2025
05-2025: 1.8%▼ -0.1 percentage points vs 04-2025
06-2025: 1.8%● unchanged vs 05-2025
07-2025: 1.9%▲ +0.1 percentage points vs 06-2025
08-2025: 2.4%▲ +0.5 percentage points vs 07-2025
09-2025: 2.7%▲ +0.3 percentage points vs 08-2025
10-2025: 3.7%▲ +1.0 percentage point vs 09-2025
11-2025: 3.8%▲ +0.1 percentage points vs 10-2025
12-2025: 4.3%▲ +0.5 percentage points vs 11-2025
01-2026: 5.7%▲ +1.4 percentage points vs 12-2025
02-2026: 3.3%▼ -2.4 percentage points vs 01-2026
03-2026: 6.5%▲ +3.2 percentage points vs 02-2026
04-2026: 5.9%▼ -0.6 percentage points vs 03-2026
05-2026: 5.9%● unchanged vs 04-2026
06-2026: 5.8%▼ -0.1 percentage points vs 05-2026
07-2026: 6.6%▲ +0.8 percentage points vs 06-2026
08-2026: 7.5%▲ +0.9 percentage points vs 07-2026highest value
09-2026: 2.8%▼ -4.7 percentage points vs 08-2026
10-2026: 2.8%● unchanged vs 09-2026
11-2026: 2.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Ex-officio strike-off in the KBO
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
lowers risk
Size: total assets €2,575
Sector: Real estate activities (NACE 68)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 0% on liquidity, 4% on profitability and 37% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,008 companies had the same profile as SRL IMMO PEP & GIO has now. Each dot stands for 16 companies, two years later.
83.0%
were still trading
8.4%
stopped another way
7.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SRL IMMO PEP & GIO itself: 2.8% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,008 companies, not a prediction for SRL IMMO PEP & GIO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Equity is negative.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
192122232425
2019 to 2025 · latest year -€28,162
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 6 filingsDeviation from the deadline
2025
31 days late
2024
316 days late
2023
19 days late
2022
105 days late
2021
69 days late
2019
201 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 124 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 1 notice about the company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 8 October (4 of the last 5 accounts filed within 49 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0713891789
UBO non-compliance
effective 02-02-2026 · KBO administration
Company renamed from Aux Pains Charmants to SRL IMMO PEP & GIO
Registered office moved to Courcelles · Capital decrease of €12,400 · New registered office: rue des 4 Seigneuries, 59, 6180 Courcelles · Gazette deed
Transfer of 300 shares from Audrey SERVAIS to Ramundo, Giovanni
Resignation: Audrey SERVAIS (manager) · Audrey SERVAIS holds 300 shares · Ramundo, Giovanni holds 150 shares · General meeting of 20-02-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SRL IMMO PEP & GIO Courcelles | €2,575 | - | -1093.5% | - |
| AMBRI Deerlijk | €3,003 | -€17,447 | -233.1% | - |
| SB.L Uccle | €3,002 | €2,354 | -149.7% | - |
| LEAPS Brussels | €2,181 | €18,839 | -2152.0% | - |
| GMA IMMOBILIER Brussels | €2,377 | -€66 | -11.2% | - |
| VDF GESTION IMMOBILIERE Evere | €3,244 | -€512 | -52.6% | - |
| MSV Immobilier Ans | €2,626 | -€1,504 | -600.6% | - |
These companies have the same main activity as SRL IMMO PEP & GIO: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €2,180 and €3,240, founded between 2017 and 2021.
Official details
Source: KBO- Status
- Active since 26-11-2018Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 4 others
- Establishment unit
- 2.283.819.3696141 Fontaine-l'Evêque, since 26-11-2018
- Financial year end
- 31 December
- Peppol
- Reachable since 02-04-2026
Insights on SRL IMMO PEP & GIO
The computed 12-month bankruptcy probability of SRL IMMO PEP & GIO is 2.8% (moderate). The 2025 annual accounts show negative equity (-€28,162) and a net result of -€858.
Equity has been shrinking by about 7.9% per year since 2019. Its solvency ranks better than 5% of 17,190 sector peers (NACE 68, financial year 2025).
The company has been active since 2018 and the Belgian Official Gazette contains no insolvency signals. The KBO does carry 1 administrative register entry.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SRL IMMO PEP & GIO
- What is the company number of SRL IMMO PEP & GIO?
- The company number of SRL IMMO PEP & GIO is 0713.891.789. The VAT number is the same number with BE in front: BE 0713.891.789.
- Where is SRL IMMO PEP & GIO based?
- The registered office is at Rue des 4 Seigneuries 59, 6180 Courcelles.Company details
- What does SRL IMMO PEP & GIO do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of SRL IMMO PEP & GIO?
- SRL IMMO PEP & GIO is a private limited company (BV).
- When was SRL IMMO PEP & GIO founded?
- SRL IMMO PEP & GIO was founded on 26-11-2018.
- Is SRL IMMO PEP & GIO still active?
- Yes, SRL IMMO PEP & GIO is an active enterprise in the KBO register.
- What is the turnover of SRL IMMO PEP & GIO?
- The annual accounts for financial year 2025 state no turnover. In financial year 2022 turnover was €578.Financials
- Is SRL IMMO PEP & GIO profitable?
- In financial year 2025, SRL IMMO PEP & GIO made a loss of €858.
- Where can I find the annual accounts of SRL IMMO PEP & GIO?
- SRL IMMO PEP & GIO filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SRL IMMO PEP & GIO due?
- SRL IMMO PEP & GIO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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