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 2 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Immo - Sambre from Gerpinnes, company number BE0437428032, closed financial year 2025 with a result of € -2.7 million after tax. For that financial year Immo - Sambre recorded revenue of € 1.4 million and equity of € 1.5 million. Compared with financial year 2024, the result moved from € 6 million to € -2.7 million. The company made a loss. The buffer shrank hard: equity is 64 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 20, 2026.
€ 1.5 million
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2.7 million
▼ still € 6 million profit in 2024
Profit after tax over the fiscal year.
€ 40,576
▼ 97% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -1.9 million.
Debts at end 2025
€ 73.3 million
▲ 5% vs 2024
€ 29 million is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 1.1 million
▲ 34% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 645 days on average.
€ 21,375
▼ 84% 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 | |
|---|---|---|---|---|---|
| Revenue | € 1,593,307 | € 1,801,862 | € 1,768,314 | € 1,421,293 | ▼ 20% |
| Profit after taxes | € 9,495,556 | € -2,736,162 | € 6,005,033 | € -2,687,863 | ▼ € 8.7 million |
| Equity | € 914,054 | € -1,822,108 | € 4,182,925 | € 1,495,061 | ▼ 64% |
| Total debts | € 95,577,600 | € 100,611,274 | € 97,032,810 | € 101,521,348 | ▲ 5% |
| Cash | € 109,325 | € 177,851 | € 1,601,711 | € 40,576 | ▼ 97% |
| Land & buildings | € 17,463,644 | € 16,734,329 | € 12,440,669 | € 11,835,419 | ▼ 5% |
| Retained profit | € -2,597,946 | € -5,264,720 | € 740,312 | € -1,947,551 | ▼ € 2.7 million |
| Bank debt | € 67,256,481 | € 73,323,728 | € 69,771,473 | € 73,267,210 | ▲ 5% |
| Balance sheet total | € 97,794,065 | € 99,998,303 | € 103,640,567 | € 105,360,117 | ▲ 2% |
Key figures of Immo - Sambre, 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 - Sambre?
What happened at Immo - Sambre in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bernard CAYMAN stepped down as director. NBB
- GESCOPAR SRL stepped down as director. NBB
- CAYMAN MANAGEMENT SRL stepped down as director. NBB
- JULIEN CAYMAN SRL stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 2.7 million (▼ € 8.7 million vs 2024). filed late Source: NBB ↗
- Bernard CAYMAN became a director. NBB
- GESCOPAR SRL became a director. NBB
- CAYMAN MANAGEMENT SRL became a director. NBB
In short
From € 9.5 million profit in 2022 to € 2.7 million loss in 2025.
Paid € 633,905 in corporate taxes since 2022.
Best year ever: 2022, with € 9.5 million profit.
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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 shares are held by Bernard CAYMAN (0.9%), Julien CAYMAN (0.1%), François CAYMAN (0.1%) and Olivier CAYMAN (0%). It owns 100% of LEOPOLD STAY, 100% of IMOCA, 100% of PLACE D'ARMES, 100% of MEUSOTEL, 100% of IMMO IBIS SUD and 100% of HOTEL BONCELLES itself.
Directors
According to the 2025 annual accounts
Bernard CAYMAN
Managing director
Owns 0.9% directly
Also active at: HOTEL FLEURUS, HOTEL DINANT, La Foncière de Gerpinnes, MPT KOUTER, ROOT KOUTER, MEUSOTEL, WAASOTEL
since 2022 · until 2028
Director · represented by Olivier CAYMAN
Also active at: FRANZ TRICOT, WATERLOO HOTEL, HOTEL FLEURUS, ERASME HOTEL, HOTEL RAEREN, HOTEL DINANT, IMMO - IBIS - SUD, LOVELY +20 more
since 2022 · until 2028
Director · represented by François CAYMAN
Also active at: WATERLOO HOTEL, HOTEL FLEURUS, ERASME HOTEL, HOTEL RAEREN, HOTEL DINANT, IMMO - IBIS - SUD, LOVELY, HOTEL BONCELLES +18 more
since 2022 · until 2028
Director · represented by Julien CAYMAN
Also active at: WATERLOO HOTEL, HOTEL FLEURUS, IMMO - IBIS - SUD, LOVELY, HOTEL BONCELLES, La Foncière de Gerpinnes, MPT KOUTER, ROOT KOUTER +3 more
since 2022 · until 2028
Shareholders
Bernard CAYMAN · director
0.9%
Julien CAYMAN
0.1%
François CAYMAN
0.1%
Olivier CAYMAN
0%
Participations
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
99.9%
99.9%
99.8%
99.8%
99.8%
99.8%
99.5%
CAYMAN INVEST
50%
ANNECY REAL EASTATE
0.1%
ROUEN REAL EASTATE
0.1%
CAYMAN HOLDING
Establishments
Establishment units
Physical locations of this company
Allée des Erables(GER) 1
6280 Gerpinnes
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0437.428.032
- VAT number
- BE 0437.428.032
- Registered office
- Allée des Erables(GER) 1, 6280 Gerpinnes
- Names & denominations
- Immo - Sambre
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 3 May 1989
- Peppol
- Active · Active since 5 Jan 2026
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
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