IMMO STOKTEVIJVER
ActiveIMMO STOKTEVIJVER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €850k and a net result of €161k. Equity is growing by ~52.4% per year across the filed fiscal years. Its solvency ranks better than 41% of 8962 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability95▼-5
Solvency54▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 6.84 against 2.52 in 2024), but 77.4% 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○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 · 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
22.6%
Return on assets
4.3%
Age of the figures
8 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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
29 d early
2023
on the day
2022
on the day
2021
5 d early
2020
40 d early
2019
24 d early
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€850k▲ 23.3%
2024 · €689k
2018: €57k
2019: €71k
2020: €63k
2021: €70k
2022: €255k
2023: €486k
2024: €689k
2018 → 2025
Total assets
€3.77M▲ 5.5%
2024 · €3.57M
2018: €1.50M
2019: €1.50M
2020: €1.78M
2021: €2.28M
2022: €2.45M
2023: €3.34M
2024: €3.57M
2018 → 2025
Net result
€161k▼ 20.8%
2024 · €203k
2018: €20k
2019: €14k
2020: €-7k
2021: €7k
2022: €3k
2023: €231k
2024: €203k
2018 → 2025
Working capital
€864k▲ 54.6%
2024 · €559k
2018: €-9k
2019: €-25k
2020: €-62k
2021: €531k
2022: €224k
2023: €77k
2024: €559k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€255k▲ 262%€486k▲ 90.8%€689k▲ 41.8%€850k▲ 23.3%
Operating result€60k-€59k▼ 0.5%€436k▲ 635%€442k▲ 1.4%€385k▼ 12.9%
Net result€7k-€3k▼ 57.0%€231k▲ 7,669%€203k▼ 12.2%€161k▼ 20.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.77M
Fixed assets
€2.75M▲ 4.3%
Current assets
€1.01M▲ 9.2%
Equity and liabilities €3.77M
Equity
€850k▲ 23.3%
Debt
€2.92M▲ 1.3%
The debt ratio falls from 80.7% to 77.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€515k▼
2024 · €572k
Cash flow
€291k▼
2024 · €333k
Solvency
22.6%▲
2024 · 19.3%
Current ratio
6.84▲
2024 · 2.52
Quick ratio
6.84▲
2024 · 2.52
Debt / equity
3.43▼
2024 · 4.18
ROE
18.9%▼
2024 · 29.5%
ROA
4.3%▼
2024 · 5.7%
Interest coverage
3.41▼
2024 · 3.95
Debt
€2.92M▲
2024 · €2.88M
Debt ≤ 1 year
€148k▼
2024 · €368k
Debt > 1 year
€2.65M▲
2024 · €2.41M
Income taxes
€75k▼
2024 · €95k
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€3.57M€3.77M▲
Fixed assets21/28€2.64M€2.75M▲
Tangible fixed assets22/27€2.64M€2.75M▲
Land and buildings22€2.51M€2.71M▲
Plant, machinery and equipment23€16k€500▼
Furniture and vehicles24€120k€48k▼
Current assets29/58€927k€1.01M▲
Amounts receivable within one year40/41€436k€220k▼
Trade receivables40€413k€91k▼
Other amounts receivable41€23k€129k▲
Cash at bank and in hand54/58€484k€784k▲
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€3.57M€3.77M▲
Equity10/15€689k€850k▲
Contributions10/11€200k€200k=
Reserves13€489k€650k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€487k€648k▲
Amounts payable17/49€2.88M€2.92M▲
Amounts payable after more than one year17€2.41M€2.65M▲
Financial debts170/4€2.41M€2.65M▲
Amounts payable within one year42/48€368k€148k▼
Current portion of amounts payable after more than one year42€35k€37k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€262k€48k▼
Suppliers440/4€262k€48k▼
Taxes, remuneration and social security45€30k€40k▲
Taxes450/3€30k€40k▲
Other amounts payable47/48€41k€23k▼
Accrued charges and deferred income492/3€103k€121k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€130k€130k=
Other operating charges640/8€14k€16k▲
Gross operating margin9900€586k€530k▼
Operating profit (loss)9901€442k€385k▼
Financial income75/76B€703€2k▲
Recurring financial income75€703€2k▲
Financial charges65/66B€145k€151k▲
Recurring financial charges65€145k€151k▲
Profit (loss) for the period before taxes9903€298k€236k▼
Income taxes67/77€95k€75k▼
Profit (loss) for the period9904€203k€161k▼
Profit (loss) for the period to be appropriated9905€203k€161k▼
Appropriation of the result
Profit (loss) to be appropriated9906€203k€161k▼
Transfer to equity691/2€203k€161k▼
To other reserves6921€203k€161k▼
The notes to these accounts (12 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 6.84
Current ratio from 2.52 to 6.84; short-term debt falls from €368k to €148k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 2.52
Current ratio from 1.11 to 2.52; short-term debt falls from €725k to €368k.
31-12
Financial
Equity above €500kEq €689k ▲41.8%
4 profitable years in a row build equity to €689k.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €231k ▲7669%
Net result €231k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €255k ▲262%
2 profitable years in a row build equity to €255k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-12
Financial
Liquidity times 14current ratio 10.70
Current ratio from 0.75 to 10.70; short-term debt falls from €244k to €55k.
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-7k ▼153%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
01-06
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 2 acts read
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We know of 2 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
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Of 7,278 companies in sector 68110 we hold annual accounts for 5,291. 3,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-09-2015
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.