Watimmo
ActiveWatimmo has been active since 1967 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 4533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability42▼-3
Solvency72▼-4
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 2.05 in 2024; short-term debt: 52.6% and cash: 27.5% of total assets), but 52.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 · 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
47.3%
Return on assets
1.6%
Age of the figures
9 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
56 d early
2023
57 d early
2022
52 d early
2021
38 d early
2020
37 d early
2019
59 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▼ 38.6%
2024 · €5k
2018: €1k
2019: €2k
2020: €11k
2021: €11k
2022: €-25k
2023: €1k
2024: €5k
2018 → 2025
Working capital
€92k▲ 3.4%
2024 · €89k
2018: €383k
2019: €385k
2020: €396k
2021: €107k
2022: €84k
2023: €83k
2024: €89k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€108k-€83k▼ 23.1%€84k▲ 1.2%€89k▲ 6.1%€92k▲ 3.6%
Operating result€12k-€-25k€1k€6k▲ 312%€4k▼ 35.8%
Net result€11k-€-25k€1k€5k▲ 407%€3k▼ 38.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €195k
Fixed assets
€800=
Current assets
€194k▲ 12.4%
Equity and liabilities €195k
Equity
€92k▲ 3.6%
Debt
€103k▲ 21.6%
The debt ratio rises from 48.7% to 52.7%. Equity and debt are higher.
Key figures and ratios
Solvency
47.3%▼
2024 · 51.3%
Current ratio
1.89▼
2024 · 2.05
Quick ratio
1.89▼
2024 · 2.05
Debt / equity
1.12▲
2024 · 0.95
ROE
3.4%▼
2024 · 5.8%
ROA
1.6%▼
2024 · 3.0%
Debt
€103k▲
2024 · €85k
Debt ≤ 1 year
€103k▲
2024 · €84k
Staff costs
€533k▲
2024 · €490k
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€174k€195k▲
Fixed assets21/28€800€800=
Tangible fixed assets22/27€800€800=
Land and buildings22€800€800=
Current assets29/58€173k€194k▲
Amounts receivable within one year40/41€125k€141k▲
Trade receivables40€103k€125k▲
Other amounts receivable41€22k€16k▼
Cash at bank and in hand54/58€48k€54k▲
Deferred charges and accrued income490/1€23-
Equity and liabilities
Total equity and liabilities10/49€174k€195k▲
Equity10/15€89k€92k▲
Contributions10/11€65k€65k=
Capital10€65k€65k=
Issued capital100€65k€65k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Profit (loss) carried forward14€18k€21k▲
Amounts payable17/49€85k€103k▲
Amounts payable within one year42/48€84k€103k▲
Trade debts44€15k€12k▼
Suppliers440/4€15k€12k▼
Taxes, remuneration and social security45€69k€91k▲
Taxes450/3€7k€14k▲
Remuneration and social security454/9€62k€77k▲
Accrued charges and deferred income492/3€331€190▼
Income statement
Code20242025
Remuneration, social security and pensions62€490k€533k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€502k€544k▲
Operating profit (loss)9901€6k€4k▼
Financial charges65/66B€477€450▼
Recurring financial charges65€477€450▼
Profit (loss) for the period before taxes9903€5k€3k▼
Profit (loss) for the period9904€5k€3k▼
Profit (loss) for the period to be appropriated9905€5k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€21k▲
Profit (loss) brought forward from the previous period14P€12k€18k▲
Social balance
Average headcount (FTE)908713.313.8▲
The notes to these accounts (2 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-25k ▼331%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €11k ▲401%
Operating result €14k, net result €11k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Waterloo · 1 establishment unit since 1967
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.
Rue Dury (Emile) 2261410 Waterloo1 establishment unit
Rue Dury (Emile) 226, 1410 Waterloo
since 19672.001.765.937
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NB IMMOBILIER
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Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,287 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-09-1967
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
47551Retail sale of household furniture
47591Retail trade
52441
70111
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filings
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.