IMMO CHAMPION
ActiveSummary
IMMO CHAMPION has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €991k and a net result of €5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.13 in 2024; short-term debt: 20% and cash: 2.2% of total assets), and 20% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
80%
Return on assets
0.4%
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 21-09-2026, 52 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 · 9 filingsDeviation from the deadline
2025
52 d late
2024
17 d early
2023
58 d late
2022
60 d late
2021
34 d early
2020
31 d late
2019
28 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€991k▲ 0.5%
2024 · €986k
2018: €-9k
2019: €-31k
2020: €46k
2021: €11k
2022: €145k
2023: €997k
2024: €986k
2018 → 2025
Total assets
€1.24M▼ 0.3%
2024 · €1.24M
2018: €1.09M
2019: €1.09M
2020: €1.19M
2021: €1.10M
2022: €1.32M
2023: €1.68M
2024: €1.24M
2018 → 2025
Net result
€5k
2024 · €-11k
2018: €-20k
2019: €-22k
2020: €76k
2021: €-34k
2022: €133k
2023: €852k
2024: €-11k
2018 → 2025
Working capital
€-219k▲ 2.3%
2024 · €-224k
2019: €-1.12M
2020: €-1.05M
2021: €-1.08M
2023: €-203k
2024: €-224k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€145k▲ 1,191%€997k▲ 589%€986k▼ 1.1%€991k▲ 0.5%
Operating result€-4k-€234k€5k▼ 97.8%€8k▲ 59.3%€5k▼ 38.1%
Net result€-34k-€133k€852k▲ 538%€-11k€5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€1.21M =
Current assets
€29k ▼ 12.6%
Equity and liabilities €1.24M
Equity
€991k ▲ 0.5%
Debt
€248k ▼ 3.6%
Debt's share of the balance-sheet total falls from 20.7% to 20.0%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
0.12▼
2024 · 0.13
Debt to equity
0.25▼
2024 · 0.26
ROE
0.5%▲
2024 · -1.1%
ROA
0.4%▲
2024 · -0.9%
Debt ≤ 1 year
€248k▼
2024 · €257k
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 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.24M€1.24M▼
Fixed assets21/28€1.21M€1.21M=
Tangible fixed assets22/27€1.21M€1.21M=
Land and buildings22€1.21M€1.21M=
Current assets29/58€33k€29k▼
Amounts receivable within one year40/41€2k€2k▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€31k€27k▼
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.24M▼
Equity10/15€986k€991k▲
Contributions10/11€19k€19k=
Reserves13€980k€980k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Distributable reserves133€978k€978k=
Profit (loss) carried forward14€-12k€-7k▲
Amounts payable17/49€257k€248k▼
Amounts payable within one year42/48€257k€248k▼
Trade debts44€3k€346▼
Suppliers440/4€3k€346▼
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€250k€247k▼
Income statement
Code20242025
Other operating charges640/8€5k€5k▲
Gross operating margin9900€13k€11k▼
Operating profit (loss)9901€8k€5k▼
Financial income75/76B€441-
Recurring financial income75€441-
Financial charges65/66B€19k€45▼
Recurring financial charges65€19k€45▼
Profit (loss) for the period before taxes9903€-11k€5k▲
Profit (loss) for the period9904€-11k€5k▲
Profit (loss) for the period to be appropriated9905€-11k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-7k▲
Profit (loss) brought forward from the previous period14P€-2k€-12k▼
The notes to these accounts (4 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
21-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 52 days late
2025
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Highest result since 2018net €852k ▲538%
Net result €852k, the highest in the series.
31-12
Financial
Equity above €500kEq €997k ▲589%
2 profitable years in a row build equity to €997k.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €133k
Net result €133k after one loss-making year.
31-12
Financial
Equity above €100kEq €145k ▲1191%
Equity rises from €11k to €145k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-34k ▼145%
Net result drops to €-34k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Show earlier events
2020
31-12
Financial
Back to profitnet €76k
Net result €76k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2017
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filings
Scores and ratios are computed by Checked and are not a credit decision.