BOLLAERT, IMMO & VERZEKERINGEN
ActiveBOLLAERT, IMMO & VERZEKERINGEN has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 47% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+67
Solvency52▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.51 against 0.63 in 2024; short-term debt: 48% and cash: 11.1% of total assets), and 73.4% 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26.6%
Return on assets
-1.7%
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
29 d early
2023
26 d early
2022
4 d late
2021
24 d late
2020
31 d late
2019
21 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€48k▼ 6.0%
2024 · €51k
2018: €10k
2019: €27k
2020: €70k
2021: €65k
2022: €116k
2023: €100k
2024: €51k
2018 → 2025
Total assets
€180k▼ 18.8%
2024 · €222k
2018: €289k
2019: €352k
2020: €355k
2021: €318k
2022: €285k
2023: €258k
2024: €222k
2018 → 2025
Net result
€-3k▲ 93.8%
2024 · €-49k
2018: €-8k
2019: €18k
2020: €42k
2021: €-4k
2022: €51k
2023: €-16k
2024: €-49k
2018 → 2025
Working capital
€-42k▼ 2.5%
2024 · €-41k
2018: €-108k
2019: €-79k
2020: €-42k
2021: €-44k
2022: €12k
2023: €-3k
2024: €-41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€116k▲ 78.0%€100k▼ 13.6%€51k▼ 49.1%€48k▼ 6.0%
Operating result€1k-€75k▲ 5,102%€-14k€-47k▼ 242%€-2k▲ 96.2%
Net result€-4k-€51k€-16k€-49k▼ 212%€-3k▲ 93.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €47k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€136k▼ 10.2%
Current assets
€44k▼ 37.2%
Equity and liabilities €180k
Equity
€48k▼ 6.0%
Debt
€132k▼ 22.6%
The debt ratio falls from 77.0% to 73.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€13k▲
2024 · €-32k
Cash flow
€12k▲
2024 · €-34k
Solvency
26.6%▲
2024 · 23.0%
Current ratio
0.51▼
2024 · 0.63
Quick ratio
0.51▼
2024 · 0.63
Debt / equity
2.76▼
2024 · 3.35
ROE
-6.3%▲
2024 · -96.3%
ROA
-1.7%▲
2024 · -22.1%
Interest coverage
10.65▲
2024 · -18.47
Debt
€132k▼
2024 · €171k
Debt ≤ 1 year
€87k▼
2024 · €112k
Debt > 1 year
€46k▼
2024 · €59k
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€222k€180k▼
Fixed assets21/28€151k€136k▼
Tangible fixed assets22/27€151k€136k▼
Land and buildings22€150k€136k▼
Plant, machinery and equipment23€542€185▼
Furniture and vehicles24€604€61▼
Current assets29/58€71k€44k▼
Amounts receivable within one year40/41€43k€24k▼
Trade receivables40€43k€24k▼
Other amounts receivable41€0€37▲
Cash at bank and in hand54/58€27k€20k▼
Deferred charges and accrued income490/1€586€609▲
Equity and liabilities
Total equity and liabilities10/49€222k€180k▼
Equity10/15€51k€48k▼
Contributions10/11€6k€6k=
Reserves13€61k€61k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€59k€59k=
Profit (loss) carried forward14€-16k€-19k▼
Amounts payable17/49€171k€132k▼
Amounts payable after more than one year17€59k€46k▼
Financial debts170/4€58k€45k▼
Other amounts payable178/9€825€825=
Amounts payable within one year42/48€112k€87k▼
Current portion of amounts payable after more than one year42€13k€13k=
Trade debts44€936€465▼
Suppliers440/4€936€465▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€153€0▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€95k€70k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▼
Other operating charges640/8€4k€2k▼
Non-recurring operating charges66A€74k€284▼
Gross operating margin9900€46k€16k▼
Operating profit (loss)9901€-47k€-2k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-49k€-3k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-49k€-3k▲
Profit (loss) for the period to be appropriated9905€-49k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-49k€-19k▲
Profit (loss) brought forward from the previous period14P-€-16k
Transfer from equity791/2€33k€0▼
The notes to these accounts (8 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-49k
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Back to profitnet €51k
Net result €51k after one loss-making year.
31-12
Financial
Equity above €100kEq €116k ▲78%
Equity rises from €65k to €116k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 52 days late
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Laarne · 1 establishment unit since 2014
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.
Heirweg(KAL) 339270 LaarneGround area
3,575 m²
Building footprint
211 m²
Volume, LiDAR
1,255 m³
Parcel 42009E0350/02G000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOLLAERT, IMMO & VERZEKERINGEN
since 20142.237.076.257
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009E0350/02G000 | Flanders | 3,575 m² | 1 · 211 m² | 10.0 m · 2 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 176 EUR awarded · 176 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 88 EUR | 88 EUR |
| 2023 | 1 | 88 EUR | 88 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
GREEN PEA COMPANY
BE 0768.418.954
Gembloux · Eq €48k
Buro-M Vastgoed
BE 0775.429.282
Oostende · Eq €48k
MPINVEST
BE 0670.513.785
Orp-Jauche · Eq €48k
AGENCE VERMEERSCH
BE 1000.390.890
Oostende · Eq €48k
SOAN
BE 0841.530.527
Elsene · Eq €48k
Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 4,849 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2014
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
65111Insurance, reinsurance and pension funding, except compulsory social security
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.