IMMOFIDA
ActiveIMMOFIDA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12.75M and a net result of €264k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 76% of 1003 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-4
Solvency94=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €950k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.98 in 2024; short-term debt: 11.7% and cash: 0.7% of total assets), and 31.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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
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
68.8%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
30 d late
2023
20 d late
2022
31 d late
2021
24 d late
2020
26 d late
2019
31 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€264k▼ 86.8%
2024 · €1.99M
2018: €123k
2019: €166k
2020: €106k
2021: €-259k
2022: €160k
2023: €566k
2024: €1.99M
2018 → 2025
Working capital
€-67k▼ 54.1%
2024 · €-43k
2018: €-6.30M
2019: €-7.20M
2020: €-1.67M
2021: €-1.95M
2022: €-1.78M
2023: €-2.59M
2024: €-43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9.76M-€9.92M▲ 1.6%€10.49M▲ 5.7%€12.48M▲ 19.0%€12.75M▲ 2.1%
Operating result€-268k-€198k€206k▲ 4.4%€105k▼ 49.2%€107k▲ 2.0%
Net result€-259k-€160k€566k▲ 254%€1.99M▲ 252%€264k▼ 86.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18.53M
Fixed assets
€16.43M▲ 4.2%
Current assets
€2.10M▼ 7.2%
Equity and liabilities €18.53M
Equity
€12.75M▲ 2.1%
Provisions
€188k▼ 5.2%
Debt
€5.60M▲ 4.7%
The debt ratio rises from 29.7% to 30.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€492k▲
2024 · €450k
Cash flow
€649k▼
2024 · €2.34M
Solvency
68.8%▼
2024 · 69.2%
Current ratio
0.97▼
2024 · 0.98
Quick ratio
0.97▼
2024 · 0.98
Debt / equity
0.44▲
2024 · 0.43
ROE
2.1%▼
2024 · 16.0%
ROA
1.4%▼
2024 · 11.0%
Interest coverage
3.85▲
2024 · 2.93
Debt
€5.60M▲
2024 · €5.35M
Debt ≤ 1 year
€2.17M▼
2024 · €2.31M
Debt > 1 year
€3.37M▲
2024 · €2.97M
Income taxes
€4k▲
2024 · €2k
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€18.03M€18.53M▲
Fixed assets21/28€15.76M€16.43M▲
Tangible fixed assets22/27€7.69M€8.36M▲
Land and buildings22€7.69M€8.30M▲
Plant, machinery and equipment23€0€4k▲
Furniture and vehicles24€0€56k▲
Financial fixed assets28€8.07M€8.07M=
Current assets29/58€2.26M€2.10M▼
Amounts receivable within one year40/41€2.24M€1.87M▼
Trade receivables40€4k€6k▲
Other amounts receivable41€2.24M€1.86M▼
Cash at bank and in hand54/58€15k€138k▲
Deferred charges and accrued income490/1€8k€95k▲
Equity and liabilities
Total equity and liabilities10/49€18.03M€18.53M▲
Equity10/15€12.48M€12.75M▲
Contributions10/11€7.62M€7.62M=
Capital10€7.58M€7.58M=
Issued capital100€7.58M€7.58M=
Outside capital11€42k€42k=
Share premium1100/10€42k€42k=
Revaluation surpluses12€44k€44k=
Reserves13€269k€282k▲
Non-distributable reserves130/1€269k€282k▲
Legal reserve130€269k€282k▲
Profit (loss) carried forward14€4.55M€4.80M▲
Provisions and deferred taxes16€199k€188k▼
Provisions for liabilities and charges160/5€199k€188k▼
Pensions and similar obligations160€199k€188k▼
Amounts payable17/49€5.35M€5.60M▲
Amounts payable after more than one year17€2.97M€3.37M▲
Financial debts170/4€2.97M€3.37M▲
Amounts payable within one year42/48€2.31M€2.17M▼
Current portion of amounts payable after more than one year42€253k€307k▲
Financial debts43€684k€512k▼
Credit institutions430/8€684k€512k▼
Trade debts44€79k€108k▲
Suppliers440/4€79k€108k▲
Taxes, remuneration and social security45€28k€12k▼
Taxes450/3€28k€12k▼
Other amounts payable47/48€1.26M€1.23M▼
Accrued charges and deferred income492/3€69k€56k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€345k€385k▲
Other operating charges640/8€86k€101k▲
Non-recurring operating charges66A€71k€40k▼
Gross operating margin9900€606k€633k▲
Operating profit (loss)9901€105k€107k▲
Financial income75/76B€2.04M€289k▼
Recurring financial income75€1.54M€289k▼
Non-recurring financial income76B€499k-
Financial charges65/66B€153k€128k▼
Recurring financial charges65€153k€128k▼
Profit (loss) for the period before taxes9903€1.99M€268k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€1.99M€264k▼
Profit (loss) for the period to be appropriated9905€1.99M€264k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.65M€4.81M▲
Profit (loss) brought forward from the previous period14P€2.65M€4.55M▲
Transfer to equity691/2€100k€13k▼
To the legal reserve6920€100k€13k▼
The notes to these accounts (15 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 19 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
31-12
Financial
Highest result since 2018net €1.99M ▲252%
Net result €1.99M, the highest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 20 days late
2023
31-12
Financial
Equity above €10MEq €10.49M ▲5.7%
2 profitable years in a row build equity to €10.49M.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2022
31-12
Financial
Back to profitnet €160k
Net result €160k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-259k ▼345%
Net result drops to €-259k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Sankt Vith · 1 establishment unit since 1987
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.
Prümer Berg 434780 Sankt Vith1 establishment unit
IMMOFIDA AG
since 19872.102.622.973
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Of 9,133 companies in sector 68201 we hold annual accounts for 6,762. 1,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-01-1987
Fiscal year end31-12
Activities, NACEBEL
68201Renting and operating of own or leased residential real estate, excluding social housing
69202Legal and accounting activities
69209Other tax advisory services
74121
68310Real estate agency activities
68311Real estate activities
69201Certified accountants and tax accountants
70200Business and other management consultancy
70220Business consulting
70311
71330
74142
77330Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.