Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PROMISIA IMMOBILIER from Spa, company number BE0420221915, closed financial year 2025 with a result of € 9,721 after tax. For that financial year PROMISIA IMMOBILIER recorded a gross margin of € 66,106 and equity of € 25,025. Compared with financial year 2024, the result moved from € -40,425 to € 9,721. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 8, 2026.
€ 25,025
▲ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 9,721
▲ still € 40,425 loss in 2024
Profit after tax over the fiscal year.
€ 5,118
▼ 62% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 6,475.
People and assets in 2025
€ 279,200
▼ 11% vs 2024
Of which on lease € 279,200.
Debts at end 2025
€ 210,548
▼ 19% vs 2024
€ 51,411 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1,111
▼ 85% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 830
▼ 81% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 72,174 | € 74,039 | € 17,604 | € 66,106 | ▲ 276% |
| Profit after taxes | € 8,577 | € 10,977 | € -40,425 | € 9,721 | ▲ € 50,146 |
| Equity | € 44,753 | € 55,729 | € 15,304 | € 25,025 | ▲ 64% |
| Total debts | € 374,827 | € 338,607 | € 323,623 | € 273,039 | ▼ 16% |
| Cash | € 21,464 | € 20,670 | € 13,596 | € 5,118 | ▼ 62% |
| Retained profit | € 26,203 | € 37,179 | € -3,246 | € 6,475 | ▲ € 9,721 |
| Bank debt | € 355,279 | € 308,569 | € 260,341 | € 210,548 | ▼ 19% |
| Balance sheet total | € 419,579 | € 394,337 | € 338,927 | € 298,064 | ▼ 12% |
Key figures of PROMISIA IMMOBILIER, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to PROMISIA IMMOBILIER?
What happened at PROMISIA IMMOBILIER in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 9,721. Source: NBB ↗
- Raymond MARECHAL became a director. NBB
- Carole MARECHAL became a director. NBB
- New establishment in Malmedy. KBO
- New establishment in Ferrières. KBO
- New establishment in Spa. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,577 profit in 2022 to € 9,721 profit in 2025.
Paid € 6,542 in corporate taxes since 2022.
Best year ever: 2023, with € 10,977 profit.
A new publication or filing at PROMISIA IMMOBILIER? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of MARE INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
PROMISIA IMMOBILIERBehind PROMISIA IMMOBILIER are Raymond MARECHAL and Carole MARECHAL. The shares are held by MARE INVEST (100%).
Directors
According to the 2025 annual accounts
Raymond MARECHAL
Director
Owns 96.5% via MARE INVEST
Also active at: PROMISIA ASSURANCES, BUMA, PROMISIA FINANCES, MARE INVEST
since 2022
since 2022
Shareholders
MARE INVEST · holding of Raymond MARECHAL
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Avenue Reine Astrid 168
4900 Spa
Avenue des Alliés 82A
4960 Malmedy
Active since 1 January 2014
Allée du Cortil Lava 1
4190 Ferrières
Active since 1 January 2014
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0420.221.915
- VAT number
- BE 0420.221.915
- Registered office
- Avenue Reine Astrid 168, 4900 Spa
- Names & denominations
- PROMISIA IMMOBILIER
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 January 1980
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- [email protected]
- Activities · NACE
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