VOTRE IMMO
ActiveVOTRE IMMO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €225k and a net result of €61k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
97
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+87
Solvency100▲+32
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
short-term debt: 0.9% and cash: 99.4% of total assets, and 0.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
99.1%
Return on assets
27%
Age of the figures
9 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
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 26-02-2026, 155 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
155 d early
2024
149 d early
2023
140 d early
2022
31 d late
2021
31 d late
2020
31 d late
2019
59 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€61k
2024 · €-18k
2018: €33k
2019: €97k
2020: €19k
2021: €3k
2022: €14k
2023: €-25k
2024: €-18k
2018 → 2025
Working capital
€225k▲ 38.2%
2024 · €163k
2018: €81k
2019: €178k
2020: €69k
2021: €197k
2022: €210k
2023: €180k
2024: €163k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€200k-€214k▲ 6.8%€182k▼ 14.8%€164k▼ 9.9%€225k▲ 37.5%
Operating result€6k-€15k▲ 162%€-23k€-11k▲ 50.8%€78k
Net result€3k-€14k▲ 430%€-25k€-18k▲ 27.1%€61k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €78k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €228k
Fixed assets
€71▼ 92.5%
Current assets
€227k▼ 40.8%
Equity and liabilities €228k
Equity
€225k▲ 37.5%
Debt
€2k▼ 99.1%
The debt ratio falls from 57.4% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€79k▲
2024 · €-10k
Cash flow
€62k▲
2024 · €-17k
Solvency
99.1%▲
2024 · 42.6%
Debt / equity
0.01▼
2024 · 1.35
ROE
27.3%▲
2024 · -11.0%
ROA
27.0%▲
2024 · -4.7%
Interest coverage
10.43▲
2024 · -1.46
Debt
€2k▼
2024 · €221k
Debt ≤ 1 year
€2k▼
2024 · €221k
Income taxes
€9k▲
2024 · €-122
A ratio outside any meaningful range has been withheld (balance sheet total €228k, equity €225k).
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€385k€228k▼
Fixed assets21/28€946€71▼
Tangible fixed assets22/27€946€71▼
Plant, machinery and equipment23€713€53▼
Furniture and vehicles24€234€19▼
Current assets29/58€384k€227k▼
Stocks and contracts in progress3€374k-
Stocks30/36€374k-
Amounts receivable within one year40/41-€1k
Other amounts receivable41-€1k
Cash at bank and in hand54/58€10k€226k▲
Equity and liabilities
Total equity and liabilities10/49€385k€228k▼
Equity10/15€164k€225k▲
Contributions10/11€58k€58k=
Reserves13€149k€168k▲
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€143k€161k▲
Profit (loss) carried forward14€-43k€0▲
Amounts payable17/49€221k€2k▼
Amounts payable within one year42/48€221k€2k▼
Financial debts43€100k-
Credit institutions430/8€100k-
Trade debts44€37k€400▼
Suppliers440/4€37k€400▼
Taxes, remuneration and social security45€2k-
Taxes450/3€2k-
Other amounts payable47/48€82k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€878€875▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€-5k€83k▲
Operating profit (loss)9901€-11k€78k▲
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€-18k€70k▲
Income taxes67/77€-122€9k▲
Profit (loss) for the period9904€-18k€61k▲
Profit (loss) for the period to be appropriated9905€-18k€61k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€19k▲
Profit (loss) brought forward from the previous period14P€-25k€-43k▼
Transfer to equity691/2-€19k
To other reserves6921-€19k
The notes to these accounts (5 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €61k
Net result €61k after 2 loss-making years.
31-12
Financial
Liquidity times 62current ratio 108.37
Current ratio from 1.74 to 108.37; short-term debt falls from €221k to €2k.
31-12
Financial
Equity above €200kEq €225k ▲37.5%
Equity rises from €164k to €225k.
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-25k ▼281%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.06
Current ratio from 3.71 to 9.06; short-term debt falls from €78k to €22k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €214k ▲6.8%
5 profitable years in a row build equity to €214k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 59 days late
2019
31-12
Financial
Highest result since 2018net €97k ▲191%
Net result €97k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 11.13
Current ratio from 3.55 to 11.13; short-term debt falls from €32k to €18k.
31-12
Financial
Equity above €150kEq €178k ▲120%
2 profitable years in a row build equity to €178k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 23 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Charleroi · 1 establishment unit since 2007
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.
1ère Avenue 136001 CharleroiGround area
2,105 m²
Building footprint
102 m²
Parcel 52392D0095/00G023, Wallonia. Linked by address, not a title deed.
1 establishment unit
VOTRE IMMO
since 20072.167.727.195
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52392D0095/00G023 | Wallonia | 2,105 m² | 1 · 102 m² | - |
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.
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Of 11,754 companies in sector 68310 we hold annual accounts for 6,908. 5,125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2007
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:071800839