IMMOWIT · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of IMMOWIT is 2.8% (moderate). The 2022 annual accounts show equity of €93k and a net result of €1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Signals

Insufficient current data: the most recent filed accounts (financial year 2023) are too old to derive current signals.

Filing behaviour

From the deposit records, complete market-wide

Annual accounts not filed

The financial year that closed on 30-06-2024 was due at the National Bank by 31-01-2025. Nothing is on record today, 561 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.

Latest accounts filed on time

The financial year that closed on 30-06-2023 was due by 31-01-2024 and was filed on 29-01-2024, 2 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 30-06. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2023, that is 31-01-2024.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
30-06-2025	31-01-2026	nothing on record	not filed	-
30-06-2024	31-01-2025	nothing on record	not filed	-
30-06-2023	31-01-2024	29-01-2024	2 d early	2024-00021103
30-06-2022	31-01-2023	03-01-2023	28 d early	2023-20555552
30-06-2021	31-01-2022	31-01-2022	on the day	2022-04600459
30-06-2020	31-01-2021	26-01-2021	5 d early	2021-01700436
30-06-2019	31-01-2020	24-12-2019	38 d early	2019-77500023
30-06-2018	31-01-2019	25-01-2019	6 d early	2019-02300114
30-06-2017	31-01-2018	07-08-2018	188 d late	2018-44300256
30-06-2016	31-01-2017	14-12-2017	317 d late	2017-71700450
30-06-2015	31-01-2016	07-02-2017	373 d late	2017-02800008
30-06-2014	31-01-2015	04-02-2015	4 d late	2015-03600549

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Established

Founded in 2006, 19 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

2.8% Moderate

0%0,5%1,5%4%10%≥25%

No NACE activity registered +Annual accounts: weaker financial profile +Higher-failure-rate region +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€1k

Working capitalNot included in this filing

CSV export

Annual accounts & ratios

Source: NBB · 2022

Annual accounts filed on 29-01-2024 with the NBB · fiscal year 2023 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Net result: growth of ~18.5%/year over 4 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

EBITDA

€9k

-46.1% 19-22

Net profit

€1k

- 19-22

Cash flow

€9k

- 19-22

Total assets

€199k

-4.0% 19-22

Equity

€93k

+1.1% 19-22

Debt

€106k

-8.2% 19-22

Debt ≤ 1y

€104k

-9.6% 19-22

Debt > 1y

€212k

- 19-22

Show 5 other metrics

Solvency

46.9%

+5.4% 19-22

Debt / equity

1.13

- 19-22

ROE

1.1%

- 19-22

ROA

0.5%

- 19-22

Interest coverage

351.77

- 19-22

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2022
Deposit	micro
Revenue	-
EBITDA	€9k
Net profit	€1k
Cash flow	€9k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€199k
Equity	€93k
Debt	€106k
of which ≤ 1y	€104k
of which > 1y	-
Working capital	-
Employees (FTE)	-

Ratios (computed)

	2022
Current ratio	-
Quick ratio	-
Working capital ratio	-
Solvency	46.9%
Debt / equity	1.13
Long-term debt ratio	-
Interest coverage	351.77
Gross margin	-
Net margin	-
ROA	0.5%
ROE	1.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2022

Equity & liabilities

Equity €93k · 46.9% Debt €106k · 53.1%

Full annual accounts (17 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2022
Balance sheet, Assets
TOTAL ASSETS	20/58	€199k
Fixed assets	21/28	€199k
Tangible fixed assets	22/27	€198k
Financial fixed assets	28	€1k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€199k
Equity	10/15	€93k
Contributions / capital	10/11	€375k
Accumulated profits (losses)	14	€-282k
Amounts payable	17/49	€106k
Amounts payable within one year	42/48	€104k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€12k
Operating result	9901	€1k
Financial charges	65	€27
Result before taxes	9903	€1k
Net result for the period	9904	€1k
Result to be appropriated	9905	€1k

This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2022 · computed

72 / 100 Healthy

050100

Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2022. Indicative, not credit advice.

Directors

Directors & mandates

3 directors

7 of this company's 7 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

Anoine John Sambwa
Director
State Gazette act 24090060 (14-06-2024)

Current
14-06-2024 → present
Antoine John Sambwa
Delegated bestuur
State Gazette act 24090060 (14-06-2024)

Current
14-06-2024 → present

Former directors (1)

Mpoko Nsele Sambwa
Delegated bestuur
State Gazette act 24090060 (14-06-2024)

Former
- → 14-06-2024

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	-
Legal form	Public limited company(014)
Incorporation	13-12-2006
Status	Active
Postal code	1050

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

9 companies at this address See who is registered here

Establishment units

1 location

IMMOWIT

Delleurlaan 17, 1170 Watermaal-BosvoordeHandel in onroerend goed

since 20062.165.024.657

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area1,369 m²

Buildings2

Building footprint504 m²

Volume (LiDAR)7,171 m³

Tallest building19.9 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Brussels 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21822R0261/00M000	Brussels	1,210 m²	1 · 400 m²	19.9 m · 6 fl.
21652E0440/00N000	Brussels	159 m²	1 · 104 m²	13.4 m · 4 fl.

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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

14-06-2024 2 directors appointed, 1 resigning, 2 reappointed Director changes

Anoine John Sambwa, Bestuurder
Antoine John Sambwa, Delegated bestuur
Mpoko Nsele Sambwa, Delegated bestuur
Jules Sambwa, Voorzitter
Roger Sambwa Pida, Bestuurder

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

69 / 100

Strong profile, led by stability.

All 5 axes are computed from data Checked has read.

Health 72

Profitability 5

Solvency 88

Growth 78

Stability 100

Credit advice

verdict per customer and amount

Company registry

Company registry (CBE)

Crossroads Bank

Names & trade names

Legal nameFR

IMMOWIT

Registered office

Franklin Rooseveltlaan 113

1050 Brussel, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.