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Generated 04-09-2026
Active BE 0454.468.655Private limited company

IMOFIN

Koning Leopold III-laan(Kor) 12 ·8500 Kortrijk, Belgium· 31 yrs active
Sector: Agents in non-specialised wholesale trade (46190)
Conclusion Checked

IMOFIN has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €321k and a net result of €-21k. Its solvency ranks better than 64% of 3381 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €321k
Net result €-21k
Better than sector 64%
Active 31 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health28Profitability0Solvency55Growth32Stability100
43 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 28
Profitability 0
Solvency 55
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1995, 31 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 Flags0 events
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.
Checked score FY 2024 · computed
28 / 100 Weak
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€9k
estimate, not credit advice
Score history
49 2023
28 2024
purely financial, excl. current insolvency signals
Score components
Liquidity Current ratio 0.17 (< 1.0) -10
Quick ratio Quick ratio 0.17 (< 0.6) -5
Leverage Debt/equity 1.24 (< 2.0) +3
Profitability Negatieve ROE -7% -10
Interest coverage Interest coverage 2.2× +3
Profit trend Net profit down YoY -3
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview29 NBB filings
Annual accounts filed on 31-08-2025 with the NBB · fiscal year 2024 · micro schema
€-40k€-20k€0€20k€40kOperating result 2023: €35k€35kNet result 2023: €12k€12kOperating result 2024: €-2k€-2kNet result 2024: €-21k€-21k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 46, Wholesale trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 42.9% 25.2%
better than 64% of 3381 sector peers
Net result €-21k €4k
better than 13% of 3367 sector peers
Equity €321k €22k
better than 95% of 3388 sector peers
Gross operating margin €58k €19k
better than 73% of 3353 sector peers
Total assets €748k €105k
better than 92% of 3386 sector peers
EBITDA
€48k
-43.3% 23-24
Net profit
€-21k
- 23-24
Cash flow
€29k
-53.2% 23-24
Total assets
€748k
-4.3% 23-24
Equity
€321k
-6.1% 23-24
Working capital
€-147k
-13.6% 23-24
Income taxes
€347
-96.3% 23-24
Dividends
€0
-100.0% 23-24
Debt
€398k
-2.6% 23-24
Debt ≤ 1y
€178k
+13.5% 23-24
Debt > 1y
€221k
-12.5% 23-24
Current ratio
0.17
-0.6% 23-24
Quick ratio
0.17
-0.6% 23-24
Solvency
42.9%
-1.9% 23-24
Debt / equity
1.24
+3.8% 23-24
ROE
-6.5%
- 23-24
ROA
-2.8%
- 23-24
Interest coverage
2.24
-57.5% 23-24
Figures by fiscal year and ratios
Fiscal year20242023
Depositmicro schemamicro schema
Revenue--
EBITDA€48k€85k
Net profit€-21k€12k
Cash flow€29k€62k
Staff costs--
Income taxes€347€9k
Dividends€0€23k
Total assets€748k€782k
Equity€321k€342k
Debt€398k€409k
of which ≤ 1y€178k€156k
of which > 1y€221k€252k
Working capital€-147k€-130k
Employees (FTE)--
Ratios (computed)
20242023
Current ratio0.170.17
Quick ratio0.170.17
Working capital ratio-19.7%-16.6%
Solvency42.9%43.7%
Debt / equity1.241.20
Long-term debt ratio0.690.74
Interest coverage2.245.27
Gross margin--
Net margin--
ROA-2.8%1.6%
ROE-6.5%3.6%
EBITDA margin--
Days sales outstanding--
Days payable outstanding--
Inventory turnover--
Days inventory (DSI)--
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code20242023
Balance sheet, Assets
TOTAL ASSETS 20/58€748k€782k
Fixed assets 21/28€718k€755k
Tangible fixed assets 22/27€718k€755k
Current assets 29/58€30k€27k
Amounts receivable within one year 40/41€146€0
Cash & bank 54/58€27k€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€748k€782k
Equity 10/15€321k€342k
Contributions / capital 10/11€20k€20k
Reserves 13€314k€322k
Accumulated profits (losses) 14€-13k€0
Provisions & deferred taxes 16€29k€32k
Amounts payable 17/49€398k€409k
Amounts payable after one year 17€221k€252k
Amounts payable within one year 42/48€178k€156k
Trade debts payable within one year 44€6k€2k
Income statement
Gross operating margin 9900€58k€94k
Operating result 9901€-2k€35k
Financial income 75€164€133
Financial charges 65€22k€16k
Result before taxes 9903€-23k€19k
Income taxes 67/77€347€9k
Net result for the period 9904€-21k€12k
Result to be appropriated 9905€-13k€20k
Legal Structure
NACE primary Agents in non-specialised wholesale trade(46190)
Legal form Private limited company(610)
Incorporation15-02-1995
StatusActive
Postal code8500
Establishment units 1 location
IMOFIN NV
Koning Leopold III-laan(Kor) 12, 8500 KortrijkNACE 70201
since 19952.070.592.583
Real-estate footprint Source: CBE × cadastre
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
34352A0267/02E009 Flanders 263 m² 1 · 369 m² 5.5 m · 1 fl.
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.
Updates 11 events
2025
31-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
08-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
24-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-12
State Gazette act Director changes
Jean-Charles De Witte
16-08
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
15-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
02-07
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
07-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
State Gazette actNBB filing
Belgian State Gazette reading coverage 0 of 8 acts read

We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 3 years ago
2022
28-12-2022 Change in the board of directors Director changes·Jean-Charles De Witte
Notary: Jean-Charles De Witte · Kortrijk
Technical details 
{
  "events": [],
  "notary": {
    "name": "Jean-Charles De Witte",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Kortrijk",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-12-28",
    "filing_date": "2022-12-26",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "buitengewone_algemene_vergadering",
      "date": "2022-12-05",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0454.468.655",
    "name_full": "IMOFIN",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Jean-charles De Witte",
    "org_rep_person_name": null,
    "person_role_at_subject": "Notaris"
  },
  "co_filed_documents": [
    "afschrift proces-verbaal",
    "geco\u00F6rdineerde statuten"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount
Company registry (CBE) Crossroads Bank
Activities
Agents in non-specialised wholesale trade46190Business and other management consultancy70200Business consulting702207032274142Combined facilities support activities81100
Names & trade names
Legal nameNL IMOFIN
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative