Immergo
ActiveImmergo has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €300k and a net result of €206k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 43% of 26908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+95
Solvency75▲+2
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.51 in 2024), but 59.1% 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 risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
40.9%
Return on assets
28.2%
Age of the figures
8 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 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 · 10 filingsDeviation from the deadline
2025
10 d late
2024
16 d early
2023
30 d late
2022
18 d late
2021
16 d late
2020
30 d late
2019
60 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€300k▲ 2.5%
2024 · €292k
2018: €186k
2019: €211k
2020: €240k
2021: €267k
2022: €273k
2023: €289k
2024: €292k
2018 → 2025
Total assets
€732k=
2024 · €732k
2018: €310k
2019: €530k
2020: €538k
2021: €520k
2022: €793k
2023: €716k
2024: €732k
2018 → 2025
Net result
€206k▲ 6,795%
2024 · €3k
2018: €39k
2019: €25k
2020: €29k
2021: €27k
2022: €6k
2023: €16k
2024: €3k
2018 → 2025
Working capital
€211k▲ 13.4%
2024 · €186k
2018: €147k
2019: €179k
2020: €209k
2021: €264k
2022: €74k
2023: €170k
2024: €186k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€267k-€273k▲ 2.3%€289k▲ 5.9%€292k▲ 1.0%€300k▲ 2.5%
Operating result€47k-€15k▼ 67.7%€28k▲ 86.1%€21k▼ 25.0%€314k▲ 1,371%
Net result€27k-€6k▼ 76.6%€16k▲ 162%€3k▼ 81.6%€206k▲ 6,795%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,371% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €732k
Fixed assets
€125k▼ 30.9%
Current assets
€608k▲ 10.1%
Equity and liabilities €732k
Equity
€300k▲ 2.5%
Debt
€433k▼ 1.7%
The debt ratio falls from 60.1% to 59.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€375k▲
2024 · €81k
Cash flow
€267k▲
2024 · €63k
Solvency
40.9%▲
2024 · 39.9%
Current ratio
1.53▲
2024 · 1.51
Quick ratio
1.53▲
2024 · 1.51
Debt / equity
1.44▼
2024 · 1.51
ROE
68.8%▲
2024 · 1.0%
ROA
28.2%▲
2024 · 0.4%
Interest coverage
35.72▲
2024 · 5.63
Debt
€433k▼
2024 · €440k
Debt ≤ 1 year
€397k▲
2024 · €366k
Debt > 1 year
€36k▼
2024 · €74k
Income taxes
€98k▲
2024 · €5k
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€732k€732k=
Fixed assets21/28€181k€125k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€181k€125k▼
Plant, machinery and equipment23€10k€13k▲
Furniture and vehicles24€170k€112k▼
Current assets29/58€552k€608k▲
Amounts receivable within one year40/41€467k€414k▼
Trade receivables40€417k€414k▼
Other amounts receivable41€50k-
Cash at bank and in hand54/58€85k€194k▲
Equity and liabilities
Total equity and liabilities10/49€732k€732k=
Equity10/15€292k€300k▲
Contributions10/11€12k€12k=
Reserves13€280k€287k▲
Distributable reserves133€280k€287k▲
Amounts payable17/49€440k€433k▼
Amounts payable after more than one year17€74k€36k▼
Financial debts170/4€74k€36k▼
Amounts payable within one year42/48€366k€397k▲
Current portion of amounts payable after more than one year42€38k€38k▲
Trade debts44€69k€104k▲
Suppliers440/4€69k€104k▲
Taxes, remuneration and social security45€7k€72k▲
Taxes450/3€5k€72k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€252k€182k▼
Income statement
Code20242025
Non-recurring operating income76A€500-
Remuneration, social security and pensions62€38k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€60k€61k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€122k€378k▲
Operating profit (loss)9901€21k€314k▲
Financial income75/76B€813€1k▲
Recurring financial income75€813€1k▲
Financial charges65/66B€14k€11k▼
Recurring financial charges65€14k€11k▼
Profit (loss) for the period before taxes9903€8k€304k▲
Income taxes67/77€5k€98k▲
Profit (loss) for the period9904€3k€206k▲
Profit (loss) for the period to be appropriated9905€3k€206k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€206k▲
Transfer from equity791/2-€199k
Transfer to equity691/2€3k€206k▲
To other reserves6921€3k€206k▲
Profit to be distributed694/7-€199k
Return on contributions (dividend)694-€199k
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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Highest result since 2018net €206k ▲6795%
Operating result €314k, net result €206k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €3k ▼81.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 18 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 16 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Equity above €200kEq €211k ▲13.6%
2 profitable years in a row build equity to €211k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 22,725 companies in sector 43211 we hold annual accounts for 10,225. 7,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2013
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43350Other building finishing work
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.