Losses
-€11,413 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
IMMO ITTERVALLEI
Lifetime
20 annual accounts with figures on one time axis, 39 filings since 1987peak €55,059 (2008)
€111▲ €4,786
lowest -€37,619 (2013)
-€2,857▲ €5,699
peak €379,201 (2013)
€291,068▼ 1.0%
€965▲ 208%
peak 0.4 FTE (2006)
-not published
Board3 names since 2020
2 directorsJANSSEN Johan and 1 other
Owners
Documentsfilings and deeds
05-05-202687 days before the deadline
2025micro format
Gross margin from -€4,675 to €111Loss of €2,857Debts from €314 to €965
Key points
from the 2025 annual accountsFilings
39 annual accounts since 1987
The last five annual accounts were filed 78 to 90 days before the end of the period.
Position in the sector
99.7%
Higher solvency than 95% of companies in non-metallic mineral products. Sector median 48.8% · 432 companies.
Checked score
94
Excellent
Financially stronger than 52% of micro companies in non-metallic mineral products (NACE 23)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 856 companies (NACE 23, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025lowest value
03-2025: < 0.1%● unchanged vs 02-2025lowest value
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026highest value
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Equity €291,068 (99.7% of total assets)
Founded in 1987
Sector: Manufacture of other non-metallic mineral products (NACE 23)
Figures for financial year 2025 (filed on 05-05-2026)
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 23, micro). It does better than 89% of them on solvency, 65% on liquidity, 21% on profitability and 33% on growth.
The bankruptcy probability was computed on 10-11-2026 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 very low class on 30-06-2025, 0.1% 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, 12,322 companies had the same profile as IMMO ITTERVALLEI has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.5%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of IMMO ITTERVALLEI itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,448 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 12,322 companies, not a prediction for IMMO ITTERVALLEI. 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
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 32.4, above the usual 1.5. Short-term debt is 0.3% and cash 10.3% of total assets. 0.3% of the assets are financed with debt and provisions.
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
5 signals, none raises the risk
Five signals.
lowers riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-05-2026, 87 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
87 days early
2024
85 days early
2023
78 days early
2022
90 days early
2021
79 days early
2020
67 days early
2019
49 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 76 days before the deadline. In the sector (NACE 23), the median for financial year 2024 was 10 days before the deadline, and 34% of those companies filed late.
Searched, nothing found (2)
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 7 May (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0430742455
Changes of role: CARDINAELS Hendrikus (chair of the board) and JANSSEN Johan (chair of the board)
General meeting of 01-10-2024 · Gazette deed
Reappointments: Johan Janssen (managing director) and Henri Cardinaels (managing director)
General meeting of 04-05-2020 · Gazette deed
Capital decrease of €71,100 to €64,100
Capital from €135,200 to €64,100 · General meeting of 19-03-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| IMMO ITTERVALLEI Bree | €292,032 | €111 | 99.7% | - |
| Van Santberghe Steenokkerzeel | €208,368 | €635 | -44.4% | - |
| STEENHOUWERIJEN CEULEMANS Boortmeerbeek | €452,288 | €609 | 80.9% | - |
| ANDRUETAN Georges et Fils Sivry-Rance | €287,046 | -€955 | 96.7% | - |
| GRANITIERE J. BERMILS Mons | €171,163 | -€2,373 | 93.1% | - |
| V.D.M. NATUURSTEEN Ravels | €322,538 | -€27,317 | 52.1% | - |
| GRAWECO Niel | €199,605 | -€2,707 | -44.4% | - |
These companies have the same main activity as IMMO ITTERVALLEI: cutting, shaping and finishing of stone (NACE 23700). They are comparable in size and age: total assets between €171,000 and €452,000, founded between 1974 and 1998.
Official details
Source: KBO- Status
- Active since 26-03-1987Normal situation
- Activity
- Cutting, shaping and finishing of stoneNACE 23700
- Establishment unit
- 2.032.877.0053960 Bree, since 13-04-1987
- Financial year end
- 31 December
- Peppol
- Reachable since 08-10-2025
Annual accounts 2025
- ≈ €840estimated
- €292,032▼ 0.7%
- Filing
- Filed on 05-05-2026, 87 days before the end of the filing period
Insights on IMMO ITTERVALLEI
IMMO ITTERVALLEI files the micro format. That format states no turnover. The gross margin fell from €39,915 in 2006 to €111 in 2025.
In October 2024, the Official Gazette published the appointment of CARDINAELS Hendrikus as managing director.
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 IMMO ITTERVALLEI
- What is the company number of IMMO ITTERVALLEI?
- The company number of IMMO ITTERVALLEI is 0430.742.455. The VAT number is the same number with BE in front: BE 0430.742.455.
- Where is IMMO ITTERVALLEI based?
- The registered office is at Tongerlostraat 25, 3960 Bree.Company details
- What does IMMO ITTERVALLEI do?
- According to the KBO register, the main activity is cutting, shaping and finishing of stone (NACE 23700).
- What is the legal form of IMMO ITTERVALLEI?
- IMMO ITTERVALLEI is a public limited company (NV).
- When was IMMO ITTERVALLEI founded?
- IMMO ITTERVALLEI was founded on 26-03-1987.
- Is IMMO ITTERVALLEI still active?
- Yes, IMMO ITTERVALLEI is an active enterprise in the KBO register.
- What is the turnover of IMMO ITTERVALLEI?
- The turnover in financial year 2025 is ≈ €840. This figure is estimated from the gross margin of €111 and 6,296 comparable companies of the same size. It probably lies between €390 and €2,000. It is a rough estimate.Financials
- Is IMMO ITTERVALLEI profitable?
- In financial year 2025, IMMO ITTERVALLEI made a loss of €2,857.
- Where can I find the annual accounts of IMMO ITTERVALLEI?
- IMMO ITTERVALLEI filed 39 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of IMMO ITTERVALLEI due?
- IMMO ITTERVALLEI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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