IMMOBEL URBAN LIVING
ActiveThe computed 12-month bankruptcy probability of IMMOBEL URBAN LIVING is 2.0% (moderate). The 2025 annual accounts show negative equity (€-2.37M) and a net result of €-644k. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▲+2
Solvency16▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
short-term debt: 0% of total assets, and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-9.3%
Return on assets
-2.5%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-2.37M
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 13-07-2026, 18 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
18 d early
2024
35 d early
2023
30 d early
2022
41 d early
2021
12 d early
2020
1 d early
2019
66 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
23-09-2026 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
€-644k▲ 29.4%
2024 · €-912k
2019: €-191k
2020: €-138k
2021: €376k
2022: €40k
2023: €-965k
2024: €-912k
2019 → 2025
Working capital
€6.00M▲ 1.3%
2024 · €5.92M
2019: €-7.78M
2020: €-25.00M
2021: €-25.65M
2022: €7.88M
2023: €5.96M
2024: €5.92M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€149k▲ 37.2%€-816k€-1.73M▼ 112%€-2.37M▼ 37.2%
Operating result€-225k-€-4k▲ 98.1%€-6k▼ 46.6%€250k€313k▲ 25.0%
Net result€376k-€40k▼ 89.3%€-965k€-912k▲ 5.5%€-644k▲ 29.4%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25.53M
Fixed assets
€19.52M▼ 5.4%
Current assets
€6.00M▲ 1.3%
Key figures and ratios
Solvency
-9.3%▼
2024 · -6.5%
Debt / equity
-11.76▲
2024 · -16.37
ROA
-2.5%▲
2024 · -3.4%
Debt
€27.90M▼
2024 · €28.29M
Debt ≤ 1 year
€3k▼
2024 · €3k
Debt > 1 year
€27.90M▼
2024 · €28.29M
Income taxes
€0▲
2024 · €-2k
A ratio outside any meaningful range has been withheld (balance sheet total €25.53M, equity €-2.37M).
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€26.56M€25.53M▼
Fixed assets21/28€20.64M€19.52M▼
Financial fixed assets28€20.64M€19.52M▼
Affiliated companies280/1€20.64M€19.52M▼
Participating interests280€4.67M€6.65M▲
Amounts receivable281€15.97M€12.87M▼
Current assets29/58€5.92M€6.00M▲
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€5.92M€6.00M▲
Other amounts receivable41€5.92M€6.00M▲
Equity and liabilities
Total equity and liabilities10/49€26.56M€25.53M▼
Equity10/15€-1.73M€-2.37M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€4k€4k=
Non-distributable reserves130/1€4k€4k=
Legal reserve130€4k€4k=
Profit (loss) carried forward14€-1.79M€-2.44M▼
Amounts payable17/49€28.29M€27.90M▼
Amounts payable after more than one year17€28.29M€27.90M▼
Other amounts payable178/9€28.29M€27.90M▼
Amounts payable within one year42/48€3k€3k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Income statement
Code20242025
Operating income70/76A€254k€318k▲
Non-recurring operating income76A€254k€318k▲
Operating charges60/66A€4k€6k▲
Services and other goods61€4k€4k▼
Other operating charges640/8€0€2k▲
Operating profit (loss)9901€250k€313k▲
Financial income75/76B€610k€512k▼
Recurring financial income75€610k€512k▼
Income from financial fixed assets750€0-
Income from current assets751€610k€512k▼
Financial charges65/66B€1.77M€1.47M▼
Recurring financial charges65€1.77M€1.47M▼
Debt charges650€1.77M€1.47M▼
Other financial charges652/9€417€476▲
Profit (loss) for the period before taxes9903€-914k€-644k▲
Income taxes67/77€-2k€0▲
Taxes670/3€0-
Tax adjustments and reversals of tax provisions77€2k€0▼
Profit (loss) for the period9904€-912k€-644k▲
Profit (loss) for the period to be appropriated9905€-912k€-644k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.79M€-2.44M▼
Profit (loss) brought forward from the previous period14P€-882k€-1.79M▼
The notes to these accounts (25 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
14-09
State Gazette act
General meeting · Director reappointmentGeneral meeting · Director reappointment · Mandate compensation11 facts ▸
State Gazette act
General meeting · Director reappointment
General meeting · Director reappointment · Mandate compensation11 facts ▸
- General meeting, 2026-06-24
- Director reappointment, KB Financial Services BV (bestuurder)
- Mandate compensation, KB Financial Services BV
- Director resignation, Adel Yahia Consult BV (bestuurder)
- Director discharge, Adel Yahia Consult BV
- Director appointment, AG Investment Management BV (bestuurder)
- Permanent representative, Alfred Galle
- Mandate compensation, AG Investment Management BV
- Auditor appointment, Frederic Poesen (vaste vertegenwoordiger)
- Auditor appointment, Jonas Nachtergaele (vaste vertegenwoordiger)
- Power of attorney, B-docs BV
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-965k ▼2489%
Net result drops to €-965k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 12current ratio 1530.35
Current ratio from 130.12 to 1530.35; short-term debt falls from €61k to €4k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity times 566current ratio 130.12
Current ratio from 0.23 to 130.12; short-term debt falls from €33.31M to €61k.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €376k
Net result €376k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €109k
Equity rises from €-268k to €109k.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 66 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2026
AG Investment Management
CurrentDirector · since 01-07-2026 · Private limited company · perm. rep.: Alfred Galle
KB Financial Services BV
CurrentDirector · since 24-06-2026 · Legal entity
01-07-2026
AG Investment Management: Appointed as Director
24-06-2026
KB Financial Services BV: Mandate renewed as Director
24-06-2026
ADEL YAHIA CONSULT: Resigned as Director
24-06-2026
Frederic Poesen: Auditor of as Vaste vertegenwoordiger
24-06-2026
Jonas Nachtergaele: Auditor of as Vaste vertegenwoordiger
Location & real-estate footprint
Registered office, Brussel
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.
Anspachlaan 11000 BrusselGround area
6,482 m²
Building footprint
4,827 m²
Volume, LiDAR
188,668 m³
Parcel 21812N1468/00B000, Brussels · tallest building 74.9 m, ±8 floors. Linked by address, not a title deed.
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N1468/00B000 | Brussels | 6,482 m² | 1 · 4,827 m² | 74.9 m · 8 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.
Structure & network
Connections & network
9 connected companiesNetwork connections
Shared corporate director
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Shared corporate director
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Shared corporate director
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Shared corporate director
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Show 5 more network connections
Shared corporate director
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Shared corporate director
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Shared corporate director
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Shared corporate director
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Shared corporate director
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Ownership & control
1 partyControl over this companysits on this company's board1
9 subsidiaries · 1 location
controls
IMMOBEL URBAN LIVINGBE 0695.672.419
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-05-2018
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.