Summary
IMMO C.D. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8k and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 61% of 8048 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
7 d early
2023
29 d late
2022
26 d early
2021
13 d early
2020
8 d early
2019
34 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 24.8%
2024 · €10k
2018: €4k
2019: €2k
2020: €-45
2021: €18k
2022: €17k
2023: €12k
2024: €10k
2018 → 2025
Net result
€-3k▼ 7.0%
2024 · €-2k
2018: €-2k
2019: €-2k
2020: €-2k
2021: €18k
2022: €-1k
2023: €-4k
2024: €-2k
2018 → 2025
Total assets
€12k▼ 20.8%
2024 · €15k
2018: €5k
2019: €3k
2020: €1k
2021: €20k
2022: €20k
2023: €20k
2024: €15k
2018 → 2025
Solvency
64.3%▼ 3.4pp
2024 · 67.7%
2018: 78.4%
2019: 59.8%
2020: -3.2%
2021: 89.0%
2022: 84.4%
2023: 63.0%
2024: 67.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€17k▼ 7.7%€12k▼ 25.2%€10k▼ 18.8%€8k▼ 24.8%
Operating result€18k-€-1k€-4k▼ 235%€-2k▲ 47.5%€-2k▼ 8.8%
Net result€18k-€-1k€-4k▼ 202%€-2k▲ 44.2%€-3k▼ 7.0%
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 stays negative: a loss of €2k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€34 =
Current assets
€12k ▼ 20.9%
Equity and liabilities €12k
Equity
€8k ▼ 24.8%
Debt
€4k ▼ 12.4%
Debt's share of the balance-sheet total rises from 32.3% to 35.7%. Equity and debt are lower.
Key figures and ratios
ROE
-33.0%▼
2024 · -23.2%
ROA
-21.2%▼
2024 · -15.7%
Debt ≤ 1 year
€4k▼
2024 · €4k
Debt > 1 year
€367=
2024 · €367
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 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€15k€12k▼
Fixed assets21/28€34€34=
Financial fixed assets28€34€34=
Current assets29/58€15k€12k▼
Amounts receivable within one year40/41€0€8k▲
Trade receivables40€0-
Other amounts receivable41-€8k
Cash at bank and in hand54/58€15k€4k▼
Equity and liabilities
Total equity and liabilities10/49€15k€12k▼
Equity10/15€10k€8k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-9k€-11k▼
Amounts payable17/49€5k€4k▼
Amounts payable after more than one year17€367€367=
Other amounts payable178/9€367€367=
Amounts payable within one year42/48€4k€4k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Accrued charges and deferred income492/3-€128
Income statement
Code20242025
Other operating charges640/8€513€549▲
Gross operating margin9900€-2k€-2k▼
Operating profit (loss)9901€-2k€-2k▼
Financial charges65/66B€240€220▼
Recurring financial charges65€240€220▼
Profit (loss) for the period before taxes9903€-2k€-3k▼
Profit (loss) for the period9904€-2k€-3k▼
Profit (loss) for the period to be appropriated9905€-2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-11k▼
Profit (loss) brought forward from the previous period14P€-6k€-9k▼
Transfer from equity791/2€0-
The notes to these accounts (3 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €18k
Net result €18k after 3 loss-making years.
31-12
Financial
Liquidity times 12current ratio 11.17
Current ratio from 0.97 to 11.17.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 34 days late
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
Directors
5 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, Waregem · 1 establishment unit since 2003
Ground area
2,065 m²
Building footprint
416 m²
Volume, LiDAR
1,704 m³
Parcel 34452B0835/00M002, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
IMMO C.D.
since 20032.126.460.922
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34452B0835/00M002 | Flanders | 2,065 m² | 1 · 415 m² | 6.9 m · 1 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 4,231 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 formPrivate limited company
Founded12-12-2002
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.