GRAVIMMO
ActiveSummary
GRAVIMMO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.57M and a net result of €-91k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 76% of 1304 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-45
Solvency80▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.61 against 0.05 in 2024; short-term debt: 9.3% and cash: 5.4% of total assets), and 45.1% 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 · 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 · 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
54.9%
Return on assets
-3.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
126 d early
2023
125 d early
2022
117 d early
2021
47 d early
2020
102 d early
2019
114 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.57M▼ 5.5%
2024 · €1.66M
2018: €1.03M
2019: €1.02M
2020: €924k
2021: €923k
2022: €928k
2023: €946k
2024: €1.66M
2018 → 2025
Total assets
€2.86M▼ 22.5%
2024 · €3.69M
2018: €2.86M
2019: €2.51M
2020: €2.37M
2021: €2.27M
2022: €2.40M
2023: €2.14M
2024: €3.69M
2018 → 2025
Net result
€-91k
2024 · €723k
2018: €306k
2019: €6k
2020: €26k
2021: €17k
2022: €14k
2023: €27k
2024: €723k
2018 → 2025
Working capital
€-102k▲ 90.3%
2024 · €-1.05M
2018: €1k
2019: €-149k
2020: €-301k
2021: €-323k
2022: €-546k
2023: €-361k
2024: €-1.05M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€923k-€928k▲ 0.5%€946k▲ 2.0%€1.66M▲ 75.5%€1.57M▼ 5.5%
Operating result€17k-€16k▼ 8.2%€85k▲ 439%€1.07M▲ 1,156%€-41k
Net result€17k-€14k▼ 19.0%€27k▲ 94.3%€723k▲ 2,565%€-91k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €41k after €1.07M in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.86M
Fixed assets
€2.70M ▼ 25.7%
Current assets
€163k ▲ 170%
Equity and liabilities €2.86M
Equity
€1.57M ▼ 5.5%
Provisions
€408k ▲ 2.1%
Debt
€883k ▼ 45.9%
Debt's share of the balance-sheet total falls from 44.2% to 30.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€192k▼
2024 · €1.28M
Cash flow
€142k▼
2024 · €926k
Current ratio
0.61▲
2024 · 0.05
Debt to equity
0.56▼
2024 · 0.98
ROE
-5.8%▼
2024 · 43.6%
ROA
-3.2%▼
2024 · 19.6%
Interest coverage
3.97▼
2024 · 20.37
Debt ≤ 1 year
€265k▼
2024 · €1.11M
Debt > 1 year
€613k▲
2024 · €509k
Income taxes
€1k▼
2024 · €11k
Staff costs
€2k▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.69M€2.86M▼
Fixed assets21/28€3.63M€2.70M▼
Intangible fixed assets21-€895
Tangible fixed assets22/27€3.09M€2.70M▼
Land and buildings22€3.01M€2.60M▼
Plant, machinery and equipment23€11k€21k▲
Furniture and vehicles24€66k€72k▲
Other tangible fixed assets26-€2k
Financial fixed assets28€547k€450▼
Current assets29/58€60k€163k▲
Amounts receivable within one year40/41€16k€2k▼
Trade receivables40€5k-
Other amounts receivable41€11k€2k▼
Cash at bank and in hand54/58€36k€154k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.69M€2.86M▼
Equity10/15€1.66M€1.57M▼
Contributions10/11€403k€403k=
Capital10€403k€403k=
Issued capital100€403k€403k=
Reserves13€1.28M€1.33M▲
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Tax-exempt reserves132€1.13M€1.17M▲
Distributable reserves133€136k€136k=
Profit (loss) carried forward14€-26k€-158k▼
Provisions and deferred taxes16€400k€408k▲
Deferred taxes168€400k€408k▲
Amounts payable17/49€1.63M€883k▼
Amounts payable after more than one year17€509k€613k▲
Financial debts170/4€239k€343k▲
Other amounts payable178/9€270k€270k=
Amounts payable within one year42/48€1.11M€265k▼
Current portion of amounts payable after more than one year42€80k€69k▼
Trade debts44€44k€10k▼
Suppliers440/4€44k€10k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€27k€12k▼
Taxes450/3€27k€11k▼
Remuneration and social security454/9€248€606▲
Other amounts payable47/48€963k€169k▼
Accrued charges and deferred income492/3€8k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€361-
Remuneration, social security and pensions62€4k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€203k€233k▲
Other operating charges640/8€19k€18k▼
Non-recurring operating charges66A-€138k
Gross operating margin9900€1.30M€350k▼
Operating profit (loss)9901€1.07M€-41k▼
Financial income75/76B€3k€9k▲
Recurring financial income75€3k€9k▲
Financial charges65/66B€63k€48k▼
Recurring financial charges65€63k€48k▼
Profit (loss) for the period before taxes9903€1.01M€-81k▼
Transfer from deferred taxes780€36k€46k▲
Transfer to deferred taxes680€316k€54k▼
Income taxes67/77€11k€1k▼
Profit (loss) for the period9904€723k€-91k▼
Transfer from tax-exempt reserves789€67k€121k▲
Transfer to tax-exempt reserves689€947k€162k▼
Profit (loss) for the period to be appropriated9905€-156k€-132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-158k▼
Profit (loss) brought forward from the previous period14P€130k€-26k▼
The notes to these accounts (13 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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-91k ▼113%
Net result drops to €-91k, the lowest in the series.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €723k ▲2565%
Operating result €1.07M, net result €723k, both a record.
31-12
Financial
Equity above €1MEq €1.66M ▲75.5%
7 profitable years in a row build equity to €1.66M.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Kelmis · 3 establishment units since 1988
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 Kloth 644720 KelmisGround area
2,109 m²
Building footprint
550 m²
Volume, LiDAR
2,951 m³
3 parcels, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Casa Liesy VIP
since 19882.036.167.877
Casa Liesy Home
since 20172.300.728.944
Casa Liesy Appart
since 20192.300.728.845
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63056B0105/00B002 | Wallonia | 799 m² | 1 · 163 m² | 9.6 m · 2 fl. |
| 63040A1155/00M000 | Wallonia | 749 m² | 1 · 178 m² | 7.9 m · 2 fl. |
| 63040A1157/00A000 | Wallonia | 561 m² | 1 · 209 m² | 6.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Teumonjar
BE 0419.618.238
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Les Coccinelles
BE 0401.381.149
Marche-en-Famenne · Eq €1.53M
SITUS
BE 0477.843.774
Daverdisse · Eq €1.68M
FOUREVER
BE 0465.052.741
Stavelot · Eq €1.43M
ZWOL
BE 0864.841.706
Tellin · Eq €1.41M
Of 3,000 companies in sector 55203 we hold annual accounts for 690. 296 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-02-1988
Fiscal year end31-12
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
68201Renting and operating of own or leased residential real estate, excluding social housing
55209Other holiday and short-stay accommodation
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.