HY IMMO
ActiveHY IMMO has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €59k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 89% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+5
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 9.98 against 5.68 in 2024; short-term debt: 8.8% and cash: 54.2% of total assets), and 14.3% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
85.7%
Return on assets
32.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
13 d late
2024
31 d late
2023
31 d late
2022
211 d late
2021
30 d late
2020
31 d late
2019
122 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
€155k▲ 61.7%
2024 · €96k
2019: €16k
2020: €27k
2021: €62k
2022: €66k
2023: €68k
2024: €96k
2019 → 2025
Total assets
€180k▲ 39.9%
2024 · €129k
2019: €17k
2020: €30k
2021: €68k
2022: €87k
2023: €98k
2024: €129k
2019 → 2025
Net result
€59k▲ 116%
2024 · €27k
2019: €10k
2020: €12k
2021: €35k
2022: €14k
2023: €2k
2024: €27k
2019 → 2025
Working capital
€143k▲ 77.4%
2024 · €81k
2019: €16k
2020: €27k
2021: €61k
2022: €64k
2023: €50k
2024: €81k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€62k-€66k▲ 6.0%€68k▲ 3.7%€96k▲ 40.1%€155k▲ 61.7%
Operating result€43k-€20k▼ 54.8%€6k▼ 70.4%€39k▲ 568%€85k▲ 121%
Net result€35k-€14k▼ 60.3%€2k▼ 82.4%€27k▲ 1,028%€59k▲ 116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 121% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€21k▼ 30.8%
Current assets
€159k▲ 62.4%
Equity and liabilities €180k
Equity
€155k▲ 61.7%
Debt
€26k▼ 22.6%
The debt ratio falls from 25.9% to 14.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▲
2024 · €48k
Cash flow
€69k▲
2024 · €37k
Solvency
85.7%▲
2024 · 74.1%
Current ratio
9.98▲
2024 · 5.68
Quick ratio
9.98▲
2024 · 5.68
Debt / equity
0.17▼
2024 · 0.35
ROE
38.2%▲
2024 · 28.6%
ROA
32.7%▲
2024 · 21.2%
Interest coverage
27.70▼
2024 · 41.22
Debt
€26k▼
2024 · €33k
Debt ≤ 1 year
€16k▼
2024 · €17k
Debt > 1 year
€10k▼
2024 · €16k
Income taxes
€23k▲
2024 · €10k
Staff costs
€13k▲
2024 · €2k
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€129k€180k▲
Formation expenses20€202-
Fixed assets21/28€31k€21k▼
Tangible fixed assets22/27€31k€21k▼
Furniture and vehicles24€645€402▼
Leasing and similar rights25€27k€18k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€98k€159k▲
Amounts receivable within one year40/41€60k€59k▼
Trade receivables40€23k€12k▼
Other amounts receivable41€38k€47k▲
Cash at bank and in hand54/58€37k€98k▲
Deferred charges and accrued income490/1€243€2k▲
Equity and liabilities
Total equity and liabilities10/49€129k€180k▲
Equity10/15€96k€155k▲
Contributions10/11€8k€8k=
Reserves13-€30k
Distributable reserves133-€30k
Profit (loss) carried forward14€87k€116k▲
Amounts payable17/49€33k€26k▼
Amounts payable after more than one year17€16k€10k▼
Financial debts170/4€16k€10k▼
Amounts payable within one year42/48€17k€16k▼
Current portion of amounts payable after more than one year42€7k€6k▼
Financial debts43€672-
Credit institutions430/8€672-
Trade debts44€5k€7k▲
Suppliers440/4€5k€7k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€632€165▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€13k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€52k€109k▲
Operating profit (loss)9901€39k€85k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€37k€82k▲
Income taxes67/77€10k€23k▲
Profit (loss) for the period9904€27k€59k▲
Profit (loss) for the period to be appropriated9905€27k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€146k▲
Profit (loss) brought forward from the previous period14P€60k€87k▲
Transfer to equity691/2-€30k
To other reserves6921-€30k
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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
31-12
Financial
Highest result since 2019net €59k ▲116%
Operating result €85k, net result €59k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲61.7%
7 profitable years in a row build equity to €155k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 211 days late
2023
31-12
Financial
Weakest financial yearnet €2k ▼82.4%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Leeuw · 2 establishment units since 2018
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.
Petrus Deboeckstraat 141600 Sint-Pieters-LeeuwGround area
2,601 m²
Building footprint
723 m²
Volume, LiDAR
5,106 m³
2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
HY IMMO
since 20182.283.369.211
HY IMMO
since 20232.350.491.033
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0174/00K000 | Flanders | 2,381 m² | 1 · 632 m² | 9.7 m · 3 fl. |
| 23582E0634/00R002 | Flanders | 220 m² | 1 · 91 m² | 10.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
BBA-BORGHS BOUW & ADVIES
BE 0538.712.264
Herentals · Eq €155k
MANALEX
BE 0635.850.737
Geel · Eq €155k
EUROSTAR CONSTRUCT
BE 0540.768.268
Antwerpen · Eq €155k
KEY TECHNICS
BE 0866.289.083
Beveren-Kruibeke-Zwijndrecht · Eq €155k
ZWIJNAARDE
BE 0458.689.541
Aalst · Eq €155k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,378. 5,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2018
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68310Real estate agency activities
68311Real estate activities
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.