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 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
IMMO VERZEKERING JW from Sint-Truiden, company number BE0436806143, closed financial year 2025 with a result of € 4,268 after tax. For that financial year IMMO VERZEKERING JW recorded a gross margin of € 13,262 and equity of € 38,931. Compared with financial year 2024, the result moved from € 6,384 to € 4,268. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 6, 2026.
€ 38,931
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 4,268
▼ 33% vs 2024
Profit after tax over the fiscal year.
€ 787
▼ 60% 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 € 37,692.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 5,797 | € 8,124 | € 13,641 | € 13,262 | ▼ 3% |
| Profit after taxes | € 1,017 | € 2,308 | € 6,384 | € 4,268 | ▼ 33% |
| Equity | € 25,970 | € 28,279 | € 34,663 | € 38,931 | ▲ 12% |
| Total debts | € 16,102 | € 16,102 | € 29,297 | € 20,027 | ▼ 32% |
| Cash | € 14,220 | € 18,486 | € 1,961 | € 787 | ▼ 60% |
| Land & buildings | € 25,827 | € 24,136 | € 61,913 | € 58,163 | ▼ 6% |
| Retained profit | € 24,731 | € 27,040 | € 33,424 | € 37,692 | ▲ 13% |
| Balance sheet total | € 42,072 | € 44,381 | € 63,960 | € 58,958 | ▼ 8% |
Key figures of IMMO VERZEKERING JW, 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 IMMO VERZEKERING JW?
What happened at IMMO VERZEKERING JW in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 4,268 (▼ 33% vs 2024). Source: NBB ↗
- New establishment in Sint-Truiden. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,017 profit in 2022 to € 4,268 profit in 2025.
Paid € 5,457 in corporate taxes since 2022.
Best year ever: 2024, with € 6,384 profit.
A new publication or filing at IMMO VERZEKERING JW? 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
Behind IMMO VERZEKERING JW is Kristl Ramharter. Kristl Ramharter is also behind JOWI REIZEN.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Prins Albertlaan 29
3800 Sint-Truiden
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0436.806.143
- VAT number
- BE 0436.806.143
- Registered office
- Prins Albertlaan 29, 3800 Sint-Truiden
- Names & denominations
- IMMO VERZEKERING JW
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 February 1989
- Peppol
- Active · Active since 5 Nov 2025