IMMO-LHONNEUX
ActiveIMMO-LHONNEUX has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €28k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 92% of 13936 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 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
Profitability90▲+12
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 8.85 against 9.07 in 2024; short-term debt: 8.2% and cash: 9.4% of total assets), and 9.6% 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
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 · 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
90.4%
Return on assets
17.4%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
29 d late
2023
30 d late
2022
on the day
2021
30 d late
2020
20 d late
2019
14 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
€144k=
2024 · €144k
2018: €103k
2019: €106k
2020: €107k
2021: €122k
2022: €138k
2023: €152k
2024: €144k
2018 → 2025
Total assets
€160k▲ 0.5%
2024 · €159k
2018: €209k
2019: €196k
2020: €191k
2021: €153k
2022: €152k
2023: €159k
2024: €159k
2018 → 2025
Net result
€28k▲ 132%
2024 · €12k
2018: €3k
2019: €3k
2020: €398
2021: €15k
2022: €17k
2023: €14k
2024: €12k
2018 → 2025
Working capital
€103k▲ 3.4%
2024 · €99k
2018: €8k
2019: €31k
2020: €47k
2021: €76k
2022: €91k
2023: €103k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€138k▲ 13.6%€152k▲ 10.2%€144k▼ 5.3%€144k=
Operating result€19k-€25k▲ 32.1%€22k▼ 12.9%€17k▼ 19.7%€37k▲ 111%
Net result€15k-€17k▲ 9.1%€14k▼ 14.4%€12k▼ 15.5%€28k▲ 132%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 111% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€44k▼ 7.2%
Current assets
€116k▲ 3.7%
Equity and liabilities €160k
Equity
€144k=
Debt
€15k▲ 5.2%
The debt ratio rises from 9.1% to 9.6%. Debt is higher.
Key figures and ratios
EBITDA
€40k▲
2024 · €22k
Cash flow
€31k▲
2024 · €17k
Solvency
90.4%▼
2024 · 90.9%
Current ratio
8.85▼
2024 · 9.07
Quick ratio
4.63▲
2024 · 3.91
Debt / equity
0.11▲
2024 · 0.10
ROE
19.2%▲
2024 · 8.3%
ROA
17.4%▲
2024 · 7.5%
Interest coverage
286.72▲
2024 · 144.71
Debt
€15k▲
2024 · €15k
Debt ≤ 1 year
€13k▲
2024 · €12k
Debt > 1 year
€2k▼
2024 · €2k
Income taxes
€11k▲
2024 · €7k
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€159k€160k▲
Fixed assets21/28€47k€44k▼
Tangible fixed assets22/27€47k€44k▼
Land and buildings22€44k€43k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€2k€0▼
Financial fixed assets28€240€240=
Current assets29/58€112k€116k▲
Stocks and contracts in progress3€63k€55k▼
Stocks30/36€63k€55k▼
Amounts receivable within one year40/41€26k€17k▼
Trade receivables40€15k€15k▲
Other amounts receivable41€11k€2k▼
Current investments50/53€10k€10k▲
Cash at bank and in hand54/58€13k€15k▲
Deferred charges and accrued income490/1€0€18k▲
Equity and liabilities
Total equity and liabilities10/49€159k€160k▲
Equity10/15€144k€144k=
Contributions10/11€64k€64k=
Reserves13€44k€44k=
Tax-exempt reserves132€2k€2k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14€36k€36k=
Amounts payable17/49€15k€15k▲
Amounts payable after more than one year17€2k€2k▼
Other amounts payable178/9€2k€2k▼
Amounts payable within one year42/48€12k€13k▲
Trade debts44€1k€451▼
Suppliers440/4€1k€451▼
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€11k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€26k€44k▲
Operating profit (loss)9901€17k€37k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€152€140▼
Recurring financial charges65€152€140▼
Profit (loss) for the period before taxes9903€19k€38k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€12k€28k▲
Profit (loss) for the period to be appropriated9905€12k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€63k▼
Profit (loss) brought forward from the previous period14P€56k€36k▼
Transfer to equity691/2€12k-
To other reserves6921€12k-
Profit to be distributed694/7€20k€28k▲
Return on contributions (dividend)694€20k€28k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €28k ▲132%
Operating result €37k, net result €28k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 26.40
Current ratio from 9.14 to 26.40; short-term debt falls from €11k to €4k.
31-12
Financial
Equity above €150kEq €152k ▲10.2%
6 profitable years in a row build equity to €152k.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 9.14
Current ratio from 3.55 to 9.14; short-term debt falls from €30k to €11k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 3.55
Current ratio from 1.57 to 3.55; short-term debt falls from €82k to €30k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet €398 ▼86.6%
Net result drops to €398, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Huy · 1 establishment unit since 1982
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.
Au Thier Detru 234500 HuyGround area
2,596 m²
Building footprint
224 m²
Volume, LiDAR
1,361 m³
2 parcels, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Bel Fays 54, 4052 Chaudfontaine
since 19822.035.723.459
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61061B0097/00E002 | Wallonia | 1,654 m² | 1 · 114 m² | 9.4 m · 2 fl. |
| 62012A0005/00T003 | Wallonia | 942 m² | 1 · 110 m² | 7.1 m · 2 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
IMMO HOLIDAY
BE 0477.723.911
Knokke-Heist · Eq €144k
beHome
BE 0736.641.556
Merchtem · Eq €144k
INSURA INVEST
BE 0879.999.341
Kruisem · Eq €144k
FUNALYTICS
BE 0441.994.158
Seraing · Eq €144k
TINTIMMO
BE 0500.977.878
Aywaille · Eq €145k
Of 11,751 companies in sector 68310 we hold annual accounts for 6,908. 5,258 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-09-1982
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.