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IMMO IXELLES 60

Active
Private limited companyfounded 201610 yrs activeKunstlaan 56, 1000 Brussel, BelgiumKBO/BCE: BE 0653.977.859

IMMO IXELLES 60 has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €-225k. Equity is shrinking by ~17% per year across the filed fiscal years. Its solvency ranks better than 26% of 4340 sector peers (fiscal year 2021). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2025
31 / 100
Weak▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability33=
Solvency4▼-1
Growth53▲+17
Stability100
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days only on tighter terms
Liquidity short (current ratio 0.03 against 0.02 in 2024), and 94% of the assets are financed with debt.
Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2025
Solvency, return and age of the figures
Solvency
6%
Return on assets
-1.1%
Age of the figures
8 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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
70 d early
2024
58 d early
2023
65 d early
2022
31 d early
2021
12 d early
2020
37 d early
2019
74 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 months
Position in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, unclassified schema

Turnover
€991k▲ 2.9%
2024 · €963k
2020: €859k 2021: €895k 2022: €910k 2023: €946k 2024: €963k
2020 → 2025
EBIT margin
19.1%▼ 8.7pp
2024 · 27.8%
2020: 12.4% 2021: -14.5% 2022: 15.9% 2023: 3.1% 2024: 27.8%
2020 → 2025
Net result
€-225k▲ 73.0%
2024 · €-836k
2020: €-237k 2021: €-479k 2022: €-208k 2023: €-859k 2024: €-836k
2020 → 2025
Working capital
€-15.90M▼ 70.8%
2024 · €-9.31M
2020: €915k 2021: €1.25M 2022: €-1.77M 2023: €-9.41M 2024: €-9.31M
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€895k-€910k▲ 1.7%€946k▲ 3.9%€963k▲ 1.9%€991k▲ 2.9%
Equity€1.82M-€612k▼ 66.4%€-247k€1.42M€1.19M▼ 15.9%
Operating result€-130k-€145k€29k▼ 80.0%€267k▲ 824%€189k▼ 29.2%
Net result€-479k-€-208k▲ 56.6%€-859k▼ 314%€-836k▲ 2.7%€-225k▲ 73.0%
Result per fiscal year
Operating resultNet result
€-1.00M€-500k€0€500kOperating result 2021: €-130k€-130kNet result 2021: €-479k€-479kOperating result 2022: €145k€145kNet result 2022: €-208k€-208kOperating result 2023: €29k€29kNet result 2023: €-859k€-859kOperating result 2024: €267k€267kNet result 2024: €-836k€-836kOperating result 2025: €189k€189kNet result 2025: €-225k€-225k20212022202320242025
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19.91M
Fixed assets €19.39M▼ 2.7%
Current assets €519k▲ 166%
Equity and liabilities €19.91M
Equity €1.19M▼ 15.9%
Debt €18.71M▲ 0.1%
The debt ratio rises from 93.0% to 94.0%: debt grows while equity shrinks.
Key figures and ratios
2025 value · change against 2024
EBITDA
€719k
2024 · €797k
Cash flow
€304k
2024 · €-307k
Solvency
6.0%
2024 · 7.0%
Current ratio
0.03
2024 · 0.02
Quick ratio
0.03
2024 · 0.02
Debt / equity
15.70
2024 · 13.19
ROE
-18.9%
2024 · -59.0%
ROA
-1.1%
2024 · -4.2%
Interest coverage
1.73
2024 · 0.73
Debt
€18.71M
2024 · €18.69M
Debt ≤ 1 year
€16.42M
2024 · €9.51M
Debt > 1 year
€2.21M
2024 · €9.10M
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€20.11M€19.91M
Fixed assets21/28€19.92M€19.39M
Tangible fixed assets22/27€19.92M€19.39M
Land and buildings22€19.92M€19.39M
Current assets29/58€195k€519k
Amounts receivable within one year40/41€30k€27k
Trade receivables40€12k€8k
Other amounts receivable41€18k€18k=
Cash at bank and in hand54/58€165k€493k
Equity and liabilities
Total equity and liabilities10/49€20.11M€19.91M
Equity10/15€1.42M€1.19M
Contributions10/11€4.61M€4.61M=
Profit (loss) carried forward14€-3.19M€-3.42M
Amounts payable17/49€18.69M€18.71M
Amounts payable after more than one year17€9.10M€2.21M
Financial debts170/4€9.10M€2.20M
Other loans174€9.10M€2.20M
Other amounts payable178/9€3k€6k
Amounts payable within one year42/48€9.51M€16.42M
Current portion of amounts payable after more than one year42€9.50M€16.40M
Trade debts44€5k€20k
Suppliers440/4€5k€20k
Taxes, remuneration and social security45€1k€1k
Taxes450/3€1k€1k
Accrued charges and deferred income492/3€86k€88k
Income statement Code20242025
Operating income70/76A€1.03M€1.06M
Turnover70€963k€991k
Other operating income74€64k€65k
Operating charges60/66A€760k€867k
Services and other goods61€133k€245k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€530k€530k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€5k-
Other operating charges640/8€92k€92k
Operating profit (loss)9901€267k€189k
Financial income75/76B€0€0
Recurring financial income75€0€0
Other financial income752/9€0€0
Financial charges65/66B€1.10M€415k
Recurring financial charges65€1.10M€415k
Debt charges650€1.10M€415k
Other financial charges652/9€6k-
Profit (loss) for the period before taxes9903€-836k€-225k
Profit (loss) for the period9904€-836k€-225k
Profit (loss) for the period to be appropriated9905€-836k€-225k
Appropriation of the result
Profit (loss) to be appropriated9906€-3.19M€-3.42M
Profit (loss) brought forward from the previous period14P€-2.36M€-3.19M

The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
10-08
State Gazette act Resignations & appointments
General meeting · Director resignation · Director discharge4 facts ▸
  • General meeting, 28/07/2026
  • Director resignation, Jan Wangermann (administrateur)
  • Director discharge, Jan Wangermann
  • Fiscal-year end, 31/12/2026
22-05
NBB filing Annual accounts filed
fiscal year 2025 · unclassified schema
2025
15-10
State Gazette act Resignations & appointments
General meeting · Auditor reappointment · Permanent representative3 facts ▸
  • General meeting, 2025-09-03
  • Auditor reappointment, 3 ans, 2027-12-31
  • Permanent representative, Didier Matriche
06-08
State Gazette act Resignations & appointments
General meeting · Director resignation · Director discharge5 facts ▸
  • General meeting, 2025-06-12
  • Director resignation, Suzy Denys (administrateur)
  • Director discharge, Suzy Denys
  • Director appointment, Hanne Maes (administrateur)
  • Mandate compensation, Hanne Maes
03-06
NBB filing Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial Equity above €1MEq €1.42M
Equity rises from €-247k to €1.42M.
19-08
State Gazette act Miscellaneous
General meeting · Capital increase · Statutes amendment3 facts ▸
  • General meeting, 2024-07-05
  • Capital increase, €2.500.000
  • Statutes amendment
05-08
State Gazette act Capital & shares
Share transfer1 fact ▸
  • Share transfer, PMG -- PROPERTY MANAGEMENT GmbH → PATRIZIA FRANKFURT KAPITALVERWALTUNGSGESELLSCHAFT MBH
17-07
State Gazette act Statutes amendment
General meeting · Capital increase · Statutes amendment3 facts ▸
  • General meeting, 2024-07-05
  • Capital increase, €2.500.000
  • Statutes amendment
27-05
NBB filing Annual accounts filed
fiscal year 2023 · unclassified schema
17-04
State Gazette act Resignations & appointments
General meeting · Director resignation · Director discharge3 facts ▸
  • General meeting, 2024-03-04
  • Director resignation, Maxime Comblin (administrateur)
  • Director discharge, Maxime Comblin
2023
31-12
Financial Weakest financial yearnet €-859k
Net result drops to €-859k, the lowest in the series; recovery starts the following year.
30-06
NBB filing Annual accounts filed
fiscal year 2022 · unclassified schema
2022
11-10
State Gazette act Purpose · Statutes amendment · Legal-form change
General meeting · Legal-form conversion · Purpose change19 facts ▸
  • General meeting, 2022-09-30
  • Legal-form conversion, Société anonyme -> Société à responsabilité limitée
  • Purpose change, Modification de l'objet pour remplacer la référence à TRIUVA par PATRIZIA FRANKFURT et aligner l'objet sur les activités actuelles et futures.
  • Corporate purpose, La gestion, l'achat et la vente, la prise et la mise en location, l'exploitation, l'entretien, la promotion et la valorisation de tous biens immobiliers. Tous p…
  • Capital, €3.109.320
  • Net-asset statement, 2022-06-30
  • Director appointment, Jan Wangermann (administrateur)
  • Director appointment, Maxime Comblin (administrateur)
  • Director appointment, Heiko Süß (administrateur)
  • Director appointment, Suzy Denys (administrateur)
  • Director appointment, Saskia Roosen (administrateur)
  • Mandate compensation, Jan Wangermann
  • +7 further facts in this act
05-08
State Gazette act Resignations & appointments
General meeting · Auditor reappointment · Permanent representative7 facts ▸
  • General meeting, 2022-06-30
  • Auditor reappointment, 3 years, 2025
  • Permanent representative, Didier Matriche (permanent representative)
  • Director discharge, PwC Bedrijfsrevisoren CVBA
  • Director discharge, Irmgard Linker
  • Director discharge, Jo De Clercq
  • Director discharge, Artemis SC SRL
19-07
NBB filing Annual accounts filed
fiscal year 2021 · full schema
07-04
State Gazette act Resignations & appointments
General meeting · Director resignation · Director discharge11 facts ▸
  • General meeting, 2022-03-24
  • Director resignation, Stefan Krauße (administrateur)
  • Director discharge, Stefan Krauße
  • Director discharge, Stefan Krauße
  • Director appointment, Saskia Roosen (administrateur)
  • Mandate compensation, Saskia Roosen
  • Board composition, administrateur, 2022-03-24
  • Board composition, administrateur, 2022-03-24
  • Board composition, administrateur, 2022-03-24
  • Board composition, administrateur, 2022-03-24
  • Board composition, administrateur, 2022-03-24
17-01
State Gazette act Resignations & appointments
Board meeting · Permanent representative3 facts ▸
  • Board meeting, 2021-11-02
  • Permanent representative, Thomas Meurice (représentant du commissaire)
  • Permanent representative, Peter Ringoot (représentant du commissaire)
2021
31-12
Financial Liquidity doublescurrent ratio 26.15
Current ratio from 11.24 to 26.15; short-term debt falls from €89k to €50k.
29-10
State Gazette act Registered office · Resignations & appointments
General meeting · Director resignation · Director discharge12 facts ▸
  • General meeting, 2021-08-13
  • Director resignation, Artemis SC SRL (administrateur)
  • Director discharge, Artemis SC SRL
  • Director appointment, Maxime Comblin (administrateur)
  • Mandate compensation, Maxime Comblin
  • Board composition, administrateur, 2021-08-31
  • Board composition, administrateur, 2021-08-31
  • Board composition, administrateur, 2021-08-31
  • Board composition, administrateur, 2021-08-31
  • Board composition, administrateur, 2021-08-31
  • Board meeting, 2021-08-13
  • Registered-office move, Avenue des Arts 56, 1000 Bruxelles
23-07
State Gazette act Resignations & appointments
General meeting · Director resignation · Director appointment10 facts ▸
  • General meeting, 29/06/2021
  • Director resignation, Irmgard Linker (administrateur)
  • Director appointment, Jan Wangermann (administrateur)
  • Mandate compensation, Jan Wangermann
  • Board composition, administrateur, 30/06/2021
  • Board composition, administrateur, 30/06/2021
  • Permanent representative, Sheelam Chadha
  • Board composition, administrateur, 30/06/2021
  • Board composition, administrateur, 30/06/2021
  • Board composition, administrateur, 30/06/2021
24-06
NBB filing Annual accounts filed
fiscal year 2020 · full schema
20-01
State Gazette act Resignations & appointments
General meeting · Director resignation · Director appointment10 facts ▸
  • General meeting, 2020-12-01
  • Director resignation, Jo De Clercq (administrateur)
  • Director appointment, Suzy Denys (administrateur)
  • Mandate compensation, Suzy Denys
  • Board composition, administrateur, 2020-12-01
  • Board composition, administrateur, 2020-12-01
  • Permanent representative, Sheelam Chadha
  • Board composition, administrateur, 2020-12-01
  • Board composition, administrateur, 2020-12-01
  • Board composition, administrateur, 2020-12-01
2020
24-08
State Gazette act Resignations & appointments
Board meeting · Power of attorney4 facts ▸
  • Board meeting, 2020-05-04
  • Power of attorney, REART SRL
  • Power of attorney, Annette Marbs
  • Power of attorney, Verena Hiltunen
18-05
NBB filing Annual accounts filed
fiscal year 2019 · full schema
2019
27-11
State Gazette act Resignations & appointments
Board meeting · Auditor representative change2 facts ▸
  • Board meeting, 2019-09-16
  • Auditor representative change, Peter Ringoot replaces Didier Matriche as representative of the auditor effective 2019-09-01
13-08
State Gazette act Resignations & appointments
General meeting · Director resignation · Director appointment10 facts ▸
  • General meeting, 2019-07-16
  • Director resignation, Margaretha van Vliet-De Boer (administrateur)
  • Director appointment, Jo De Clercq (administrateur)
  • Mandate compensation, Jo De Clercq
  • Board composition, administrateur, 2019-05-24
  • Board composition, administrateur, 2019-05-24
  • Permanent representative, Sheelam Chadha
  • Board composition, administrateur, 2019-05-24
  • Board composition, administrateur, 2019-05-24
  • Board composition, administrateur, 2019-05-24
24-05
NBB filing Annual accounts filed
fiscal year 2018 · full schema
17-05
State Gazette act Resignations & appointments
General meeting · Auditor reappointment2 facts ▸
  • General meeting, 2019-05-02
  • Auditor reappointment, 3 years
2018
18-09
State Gazette act Resignations & appointments
General meeting · Director appointment · Mandate compensation23 facts ▸
  • General meeting, 2018-06-15
  • Director appointment, Heiko Süß (administrateur)
  • Director appointment, Stefan Krauße (administrateur)
  • Mandate compensation, Heiko Süß
  • Mandate compensation, Stefan Krauße
  • Board composition, administrateur, 2018-06-15
  • Board composition, administrateur, 2018-06-15
  • Board composition, administrateur, 2018-06-15
  • Board composition, administrateur, 2018-06-15
  • Board composition, administrateur, 2018-06-15
  • Board composition, administrateur, 2018-06-15
  • Permanent representative, Sheelam Chadha
  • +11 further facts in this act
03-05
NBB filing Annual accounts filed
fiscal year 2017 · full schema
2017
18-09
State Gazette act Resignations & appointments
Board meeting · Power of attorney5 facts ▸
  • Board meeting, 2017-07-12
  • Power of attorney, Martin Waekens
  • Power of attorney, Annette Marbs
  • Power of attorney, Verena Hiltunen
  • Power of attorney, REART SPRL
15-06
NBB filing Annual accounts filed
fiscal year 2016 · full schema
2016
12-09
State Gazette act Resignations & appointments
Board meeting · Power of attorney6 facts ▸
  • Board meeting, 2016-08-01
  • Power of attorney, Annette Marbs
  • Power of attorney, Verena Hiltunen
  • Power of attorney, Julian Grimm
  • Power of attorney, Martin Waekens
  • Power of attorney, REART SPRL
01-07
State Gazette act Capital & shares · Statutes amendment
General meeting · Capital increase · Capital5 facts ▸
  • General meeting, 2016-06-10
  • Capital increase, €3.047.820
  • Capital, €3.109.320
  • Bank account, Commerzbank succursale de Bruxelles, 179-6122584-19
  • Statutes amendment
27-06
State Gazette act Miscellaneous
General meeting1 fact ▸
  • General meeting, 2016-06-13
17-05
State Gazette act Incorporation
Incorporation · Founding capital · Bank account16 facts ▸
  • Incorporation, 2016-05-12
  • Founding capital, €61.500
  • Bank account, BE18 1796 1225 8419
  • Corporate purpose, La gestion, l’achat et la vente, la prise et la mise en location, l’exploitation, l’entretien, la promotion et la valorisation de tous biens immobiliers. Tous p…
  • Director appointment, LINKER née KERSCH Irmgard (administrateur)
  • Director appointment, HOBERG Wenzel Rochus Benedikt (administrateur)
  • Director appointment, Artemis SC (administrateur)
  • Permanent representative, CHADHA Sheelam
  • Director appointment, van VLIET Margaretha (administrateur)
  • Mandate compensation, LINKER née KERSCH Irmgard
  • Mandate compensation, HOBERG Wenzel Rochus Benedikt
  • Mandate compensation, Artemis SC
  • +4 further facts in this act
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
13 directors, no change since 2026
ARTEMIS SC
Director · since 12-05-2016 · Legal entity · perm. rep.: CHADHA Sheelam
Not recently confirmed
HOBERG Wenzel Rochus Benedikt
Director · since 12-05-2016
Not recently confirmed
LINKER née KERSCH Irmgard
Director · since 12-05-2016
Not recently confirmed
van VLIET Margaretha
Director · since 12-05-2016
Not recently confirmed
31-07-2026 Jan Wangermann: Resigned as Director
31-05-2025 Suzy Denys: Resigned as Director
01-01-2024 Maxime Comblin: Resigned as Director
05-08-2022 Artemis SC SRL: Resigned as Director
05-08-2022 Irmgard Linker: Resigned as Director
05-08-2022 Jo De Clercq: Resigned as Director
24-03-2022 Stefan Krauße: Resigned as Director
30-06-2021 Irmgard Linker: Resigned as Director
01-12-2020 Jo De Clercq: Resigned as Director
24-05-2019 Margaretha van Vliet-De Boer: Resigned as Director
30-06-2018 Wenzel Hoberg: Resigned as Director
12-05-2016 ARTEMIS SC: Appointed as Director
12-05-2016 HOBERG Wenzel Rochus Benedikt: Appointed as Director
12-05-2016 LINKER née KERSCH Irmgard: Appointed as Director
12-05-2016 van VLIET Margaretha: Appointed as Director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2016
establishment The establishment unit on the map
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.

Kunstlaan 561000 Brussel
Ground area
4,653 m²
Building footprint
2,861 m²
Volume, LiDAR
80,518 m³
Parcel 21805E0475/00F000, Brussels · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Kunstlaan 56, 1000 Brussel
Renting and operating of own or leased residential real estate, excluding social housing
since 20162.254.392.737
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21805E0475/00F000 Brussels 4,653 m² 1 · 2,861 m² 34.5 m · 9 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.

Statutory auditor

4 auditors
PwC Reviseurs d'EntreprisesCurrent
Auditor · represented by Didier Matriche
03-09-2025 → present
Show 3 earlier auditors
PricewaterhouseCoopers Réviseurs d'entreprises
Commissaire
succeeded by PwC Bedrijfrevisoren in 2019
12-05-2016 → 02-05-2019
PwC Bedrijfrevisoren
Auditor
succeeded by PwC Reviseurs d'Entreprises in 2025
02-05-2019 → 03-09-2025
SCRL PwC Réviseurs d'Entreprises
Statutory auditor · represented by Didier Matriche
- → 01-09-2019

Structure & network

Connections & network

41 connected companies
+40 companies via a shared address +40via a sharedaddressASSOCIATION DES PARENTS D'ELEVES DE L'ECOLE EUROPEENNE DE BRUXELLES III - IXELLES, Shared director ADASSOCIATIONDES PARE…ELLESIMMO IXELLES 60 IMMO IXELLES600653.977.859
Shared directorsShared address / shareholderBundled connections
Network connections
Show 37 more network connections
BELL-ART
Shared address
CAFU Benelux
Shared address
ELITT
Shared address
EVENEPOEL PROPERTIES
Shared address
EXPEDIA
Shared address
FINNOVAREGIO
Shared address
FMCG TRADING
Shared address
GPA LUX CONSULT
Shared address
HEA
Shared address
Identic
Shared address
INTERSPORT BELGIUM
Shared address
JOSS GROUP
Shared address
KLAXXI
Shared address
PATCOUS
Shared address
Payments Europe
Shared address
Qvest Media Belgium
Shared address

Ownership & control

1 party
Control over this companysits on this company's board1
1 subsidiary · 1 location
controls
IMMO IXELLES 60BE 0653.977.859

Capital and shareholders

Capital increase of 2,500,000 EUR
State Gazette act of 19-08-2024
Transfer of 1 share from PMG -- PROPERTY MANAGEMENT GmbH (BE 0653.737.834) to PATRIZIA FRANKFURT KAPITALVERWALTUNGSGESELLSCHAFT MBH (BE 0860.524.018)
State Gazette act of 05-08-2024
Capital increase of 2,500,000 EUR · no new shares
State Gazette act of 17-07-2024
Capital increase of 3,047,820 EUR
State Gazette act of 01-07-2016
Founding capital 61,500 EUR · 61,500 shares
State Gazette act of 17-05-2016

Similar companies · same sector, comparable size

Of 7,288 companies in sector 68110 we hold annual accounts for 5,354. 3,095 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded12-05-2016
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.