IMMO VERZEKERING JW
ActiveSummary
IMMO VERZEKERING JW has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €4k. Equity is growing by ~13.6% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-3
Solvency91▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.07 in 2024; short-term debt: 34% and cash: 1.3% of total assets), and 34% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 · 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
66%
Return on assets
7.2%
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
17 d early
2023
28 d early
2022
21 d early
2021
31 d early
2020
31 d early
2019
31 d early
← 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, micro schema
Equity
€39k▲ 12.3%
2024 · €35k
2018: €16k
2019: €18k
2020: €21k
2021: €25k
2022: €26k
2023: €28k
2024: €35k
2018 → 2025
Total assets
€59k▼ 7.8%
2024 · €64k
2018: €47k
2019: €34k
2020: €38k
2021: €41k
2022: €42k
2023: €44k
2024: €64k
2018 → 2025
Net result
€4k▼ 33.1%
2024 · €6k
2018: €2k
2019: €2k
2020: €4k
2021: €4k
2022: €1k
2023: €2k
2024: €6k
2018 → 2025
Working capital
€-19k▲ 29.4%
2024 · €-27k
2018: €-12k
2019: €-13k
2020: €-8k
2021: €-3k
2022: €143
2023: €4k
2024: €-27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€26k▲ 4.1%€28k▲ 8.9%€35k▲ 22.6%€39k▲ 12.3%
Operating result€5k-€2k▼ 71.1%€3k▲ 124%€8k▲ 144%€6k▼ 24.4%
Net result€4k-€1k▼ 71.6%€2k▲ 127%€6k▲ 177%€4k▼ 33.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€58k ▼ 6.1%
Current assets
€795 ▼ 61.2%
Equity and liabilities €59k
Equity
€39k ▲ 12.3%
Debt
€20k ▼ 31.6%
Debt's share of the balance-sheet total falls from 45.8% to 34.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €11k
Cash flow
€8k▼
2024 · €9k
Current ratio
0.04▼
2024 · 0.07
Debt to equity
0.51▼
2024 · 0.85
ROE
11.0%▼
2024 · 18.4%
ROA
7.2%▼
2024 · 10.0%
Interest coverage
223.43▼
2024 · 242.04
Debt ≤ 1 year
€20k▼
2024 · €29k
Income taxes
€2k▲
2024 · €2k
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 · 33 lines
Balance sheet
Code20242025
Assets
Total assets20/58€64k€59k▼
Fixed assets21/28€62k€58k▼
Tangible fixed assets22/27€62k€58k▼
Land and buildings22€62k€58k▼
Current assets29/58€2k€795▼
Amounts receivable within one year40/41€86€8▼
Other amounts receivable41€86€8▼
Cash at bank and in hand54/58€2k€787▼
Equity and liabilities
Total equity and liabilities10/49€64k€59k▼
Equity10/15€35k€39k▲
Contributions10/11€1k€1k=
Reserves13€25k€29k▲
Distributable reserves133€25k€29k▲
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€29k€20k▼
Amounts payable within one year42/48€29k€20k▼
Other amounts payable47/48€29k€20k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€14k€13k▼
Operating profit (loss)9901€8k€6k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€44€45▲
Recurring financial charges65€44€45▲
Profit (loss) for the period before taxes9903€8k€6k▼
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€6k€4k▼
Profit (loss) for the period to be appropriated9905€6k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€13k▼
Profit (loss) brought forward from the previous period14P€9k€9k=
Transfer to equity691/2€6k€4k▼
To other reserves6921€6k€4k▼
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €6k ▲177%
Operating result €8k, net result €6k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €1k ▼71.6%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Truiden · 1 establishment unit since 1989
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.
Prins Albertlaan 293800 Sint-TruidenGround area
56 m²
Building footprint
48 m²
Volume, LiDAR
540 m³
Parcel 71053G0320/00V002, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IMMO VERZEKERING JW
since 19892.042.762.392
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053G0320/00V002 | Flanders | 56 m² | 1 · 48 m² | 13.7 m · 4 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-1989
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.