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IMMO TOPAZE

Active
Private limited companyfounded 2016active for 10 yearsRue des Perdrix(BZ) 1, 5000 Namur, BelgiumKBO/BCE: BE 0646.914.378
Summary

IMMO TOPAZE has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €248,805 and a net result of €3,280. Equity is growing by about 36% per year across the filed financial years. Its solvency ranks better than 74% of 11,192 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

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IMMO TOPAZEActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
€401,519total assets 2025
Equity
€248,805
Profit
€3,280
Financial health
95 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
2025 accounts 44 days early1 of 3 deeds summarised
Why 95lowers riskLiquidity: current ratio 1.56, cash €112,382Sector: Real estate activities (NACE 68)Size: total assets €401,519Equity €248,805 (62.0% of total assets)Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 60% of its sector peers (NACE 68, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 87-7
equity 62.0% of total assets
Liquidity 80-20
short-term debt 18.7% · cash 28.0%
Profitability 70-9
return on assets 0.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,614 companies, NACE 68, micro)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025lowest value 09-2025: < 0.1%● unchanged vs 08-2025lowest value 10-2025: < 0.1%● unchanged vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: 0.1%▲ +0.1 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026highest value 10-2026: < 0.1%▼ -0.1 percentage points vs 09-2026
Credit of up to €23,000 on 30-day terms is acceptable
Liquidity ample (current ratio 1.56, compared with 7.12 in 2024, above the usual 1.5; short-term debt: 18.7% and cash: 28% of total assets), and 38% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro): better than 72% on solvency, 86% on liquidity, 58% on profitability and 22% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Liquidity: current ratio 1.56, cash €112,382
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
lowers risk · Size: total assets €401,519
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Equity €248,805 (62.0% of total assets)
NBB · annual accounts
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 17-06-2026, 44 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
44 days early
2024
59 days early
2023
44 days early
2022
52 days early
2021
62 days early
2020
39 days early
2019
59 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 51 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 9 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
27-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Weakest financial yearnet €3,280 ▼90.9%
  3. Annual accounts filedfinancial year 2024 · full…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2025: €3,280 8 years View
  • Board2 directors in office 2 View

By topic

Financials

Financial year
2025
Total assets
€401,519
Profit
€3,280
Solvency
62.0%
Turnover▲ 45.2%
Net result
20182022
Go to Financials

Board & ownership

Board
2 members
  • FLAMAND Alice AlineDirector
  • FLAMAND Etienne Léon JulesDirector
Go to Board & ownership

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 17-06-2024Annual accounts filed
  2. 20-11-2023Appointments: FLAMAND Etienne Léon Jules (director) and…
  3. 09-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
22-01-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
28
Annual meeting
Third Thursday of May at 16:00
Purpose
“L’achat,la vente,l’échange,la location et la gérance de tous immeubles bâtis,meublés ou…” (deed in French)
Go to Articles of association

Key facts about IMMO TOPAZE

What is the company number of IMMO TOPAZE?
0646.914.378. In Belgium the VAT number is the company number with BE in front: BE 0646.914.378.
Where is IMMO TOPAZE based?
The registered office is at Rue des Perdrix(BZ) 1, 5000 Namur.Company details
What does IMMO TOPAZE do?
According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
What is the legal form of IMMO TOPAZE?
Private limited company (BV).
When was IMMO TOPAZE founded?
On 22-01-2016.
Is IMMO TOPAZE still active?
Yes, IMMO TOPAZE is an active enterprise in the KBO register.
How many employees does IMMO TOPAZE have?
On average 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of IMMO TOPAZE?
€198,870 in financial year 2022, according to the filed annual accounts.
Is IMMO TOPAZE profitable?
In financial year 2025, IMMO TOPAZE made a profit of €3,280.
Where can I find the annual accounts of IMMO TOPAZE?
IMMO TOPAZE filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of IMMO TOPAZE due?
By 31-07-2027, for financial year 2026.Timeline

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