IMMO JB
ActiveSummary
IMMO JB has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €31k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 78% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+13
Solvency100=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 1.09 in 2024; short-term debt: 2.8% and cash: 0.8% of total assets), and 23.6% 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
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 · 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
76.4%
Return on assets
2%
Age of the figures
9 mo
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
31 d early
2023
33 d early
2022
31 d early
2021
89 d late
2020
89 d late
2019
61 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€31k
2024 · €-29k
2018: €-954
2019: €-52k
2020: €-27k
2021: €-12k
2022: €-14k
2023: €370k
2024: €-29k
2018 → 2025
Working capital
€117k▲ 4,420%
2024 · €3k
2018: €402k
2019: €345k
2020: €141k
2021: €98k
2022: €46k
2023: €509k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€800k-€786k▼ 1.8%€1.16M▲ 47.0%€1.13M▼ 2.5%€1.16M▲ 2.7%
Operating result€-350-€-2k▼ 577%€-4k▼ 84.6%€-11k▼ 149%€-4k▲ 63.8%
Net result€-12k-€-14k▼ 15.5%€370k€-29k€31k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€1.36M ▼ 7.3%
Current assets
€160k ▲ 403%
Equity and liabilities €1.52M
Equity
€1.16M ▲ 2.7%
Debt
€358k ▼ 2.5%
Debt's share of the balance-sheet total falls from 24.6% to 23.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €23k
Cash flow
€75k▲
2024 · €5k
Current ratio
3.72▲
2024 · 1.09
Debt to equity
0.31▼
2024 · 0.33
ROE
2.6%▲
2024 · -2.5%
ROA
2.0%▲
2024 · -1.9%
Interest coverage
2.30▲
2024 · 1.27
Debt ≤ 1 year
€43k▲
2024 · €29k
Debt > 1 year
€303k▼
2024 · €326k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.49M€1.52M▲
Fixed assets21/28€1.46M€1.36M▼
Tangible fixed assets22/27€1.28M€1.26M▼
Land and buildings22€1.22M€1.22M▼
Plant, machinery and equipment23€53k€40k▼
Financial fixed assets28€184k€97k▼
Current assets29/58€32k€160k▲
Amounts receivable within one year40/41€3k€142k▲
Other amounts receivable41€3k€142k▲
Current investments50/53€8k€4k▼
Cash at bank and in hand54/58€19k€13k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.52M▲
Equity10/15€1.13M€1.16M▲
Contributions10/11€351k€351k=
Reserves13€773k€805k▲
Non-distributable reserves130/1€18k€19k▲
Reserves not available under the articles1311€18k€19k▲
Distributable reserves133€756k€786k▲
Profit (loss) carried forward14€3k€2k▼
Amounts payable17/49€367k€358k▼
Amounts payable after more than one year17€326k€303k▼
Financial debts170/4€176k€153k▼
Other amounts payable178/9€150k€150k=
Amounts payable within one year42/48€29k€43k▲
Current portion of amounts payable after more than one year42€17k€23k▲
Trade debts44€12k€38▼
Suppliers440/4€12k€38▼
Other amounts payable47/48-€20k
Accrued charges and deferred income492/3€11k€11k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€45k▲
Other operating charges640/8€12k€12k▲
Gross operating margin9900€35k€53k▲
Operating profit (loss)9901€-11k€-4k▲
Financial income75/76B€203€52k▲
Recurring financial income75€203€31▼
Non-recurring financial income76B-€52k
Financial charges65/66B€18k€18k▼
Recurring financial charges65€18k€18k▼
Profit (loss) for the period before taxes9903€-29k€31k▲
Profit (loss) for the period9904€-29k€31k▲
Profit (loss) for the period to be appropriated9905€-29k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€34k▲
Profit (loss) brought forward from the previous period14P€2k€3k▲
Transfer from equity791/2€30k-
Transfer to equity691/2-€32k
To the legal reserve6920-€2k
To other reserves6921-€30k
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.72
Current ratio from 1.09 to 3.72.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €370k
Net result €370k after 5 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 8.72
Current ratio from 3.07 to 8.72.
31-12
Financial
Equity above €1MEq €1.16M ▲47%
Equity rises from €786k to €1.16M.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 89 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 89 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 1992
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.
Avenue du Milieu du Monde 85000 NamurGround area
2,371 m²
Building footprint
244 m²
Volume, LiDAR
1,394 m³
Parcel 92302G0376/00K000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Avenue du Milieu du Monde 8, 5000 Namur
since 19922.058.029.994
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0376/00K000 | Wallonia | 2,371 m² | 1 · 244 m² | 7.8 m · 2 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.
Similar companies · same sector, comparable size
IMMO HALLAAR
BE 0428.546.394
Heist-op-den-Berg · Eq €1,157,419
DGE IMMO
BE 0738.468.324
La Louvière · Eq €1,158,644
Do Upkot
BE 0702.784.301
Gent · Eq €1,157,043
STANDAERT
BE 0588.974.694
Brugge · Eq €1,156,276
THE CUBE
BE 0836.712.595
Sint-Lambrechts-Woluwe · Eq €1,159,870
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,742 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
Founded23-04-1992
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.