IMMO SAINTE - MARIE
ActiveIMMO SAINTE - MARIE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €167k and a net result of €24k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 4602 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability82▼-2
Solvency96▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.87 against 0.41 in 2023; short-term debt: 15.5% and cash: 0% of total assets), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
28 d early
2022
35 d early
2021
52 d early
2020
44 d early
2019
50 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 9.8%
2023 · €27k
2018: €23k
2019: €24k
2020: €172k
2021: €14k
2022: €15k
2023: €27k
2018 → 2024
Working capital
€-5k▲ 74.2%
2023 · €-19k
2018: €-69k
2019: €-61k
2020: €-55k
2021: €-46k
2022: €-30k
2023: €-19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€87k-€101k▲ 16.4%€116k▲ 14.5%€142k▲ 23.0%€167k▲ 17.1%
Operating result€186k-€25k▼ 86.8%€26k▲ 7.3%€41k▲ 56.7%€36k▼ 13.8%
Net result€172k-€14k▼ 91.7%€15k▲ 2.6%€27k▲ 83.9%€24k▼ 9.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €236k
Fixed assets
€204k▼ 4.6%
Current assets
€32k▲ 150%
Equity and liabilities €236k
Equity
€167k▲ 17.1%
Debt
€69k▼ 17.8%
The debt ratio falls from 37.2% to 29.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2023 · €47k
Cash flow
€34k▲
2023 · €33k
Solvency
70.6%▲
2023 · 62.8%
Current ratio
0.87▲
2023 · 0.41
Quick ratio
0.87▲
2023 · 0.41
Debt / equity
0.42▼
2023 · 0.59
ROE
14.6%▼
2023 · 18.9%
ROA
10.3%▼
2023 · 11.9%
Interest coverage
33.99▲
2023 · 20.99
Debt
€69k▼
2023 · €84k
Debt ≤ 1 year
€37k▲
2023 · €31k
Debt > 1 year
€32k▼
2023 · €53k
Income taxes
€10k▼
2023 · €12k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€227k€236k▲
Fixed assets21/28€214k€204k▼
Tangible fixed assets22/27€214k€204k▼
Land and buildings22€214k€204k▼
Current assets29/58€13k€32k▲
Amounts receivable within one year40/41€11k€30k▲
Trade receivables40-€709
Other amounts receivable41€11k€30k▲
Cash at bank and in hand54/58€774€5▼
Deferred charges and accrued income490/1€537€1k▲
Equity and liabilities
Total equity and liabilities10/49€227k€236k▲
Equity10/15€142k€167k▲
Contributions10/11€6k€6k=
Reserves13€28k€51k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€26k€50k▲
Profit (loss) carried forward14€108k€109k▲
Amounts payable17/49€84k€69k▼
Amounts payable after more than one year17€53k€32k▼
Financial debts170/4€53k€32k▼
Amounts payable within one year42/48€31k€37k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€916€89▼
Suppliers440/4€916€89▼
Taxes, remuneration and social security45€9k€14k▲
Taxes450/3€9k€14k▲
Other amounts payable47/48€300€1k▲
Accrued charges and deferred income492/3-€700
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€10k▲
Gross operating margin9900€47k€45k▼
Operating profit (loss)9901€41k€36k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€39k€34k▼
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€27k€24k▼
Profit (loss) for the period to be appropriated9905€27k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€135k€132k▼
Profit (loss) brought forward from the previous period14P€108k€108k▲
Transfer to equity691/2€26k€24k▼
To other reserves6921€26k€24k▼
Profit to be distributed694/7€300-
Directors or managers695€300-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €150kEq €167k ▲17.1%
7 profitable years in a row build equity to €167k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €14k ▼91.7%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €101k ▲16.4%
4 profitable years in a row build equity to €101k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Highest result since 2018net €172k ▲625%
Operating result €186k, net result €172k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
03-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 2003
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.
Koninklijke Sinte-Mariastraat 1651030 SchaarbeekGround area
217 m²
Building footprint
131 m²
Volume, LiDAR
1,215 m³
2 parcels, Brussels, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Cité du Bocage(L.L) 19, 7100 La Louvière
since 20032.126.872.874
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55372C0038/00H006 | Wallonia | 137 m² | 1 · 52 m² | 5.9 m · 2 fl. |
| 21910E0204/02V000 | Brussels | 79 m² | 1 · 79 m² | 14.8 m · 4 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.
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B&W Partners
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 40,709 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-07-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.