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 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ROYAL IMMO from Namur, company number BE0438003993, closed financial year 2025 with a result of € 12,246 after tax. For that financial year ROYAL IMMO recorded a gross margin of € 381,941 and equity of € 467,943. Compared with financial year 2024, the result moved from € 28,280 to € 12,246. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 467,943
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 12,246
▼ 57% vs 2024
Profit after tax over the fiscal year.
€ 61,425
▲ 16% 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 € 405,943.
People and assets in 2025
2.6
Average over the fiscal year, from the social balance sheet.
€ 169,244
▲ 33% vs 2024
€ 65,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 11,272
▼ 21% vs 2024
Of which on lease € 10,738.
Debts at end 2025
€ 211,022
▼ 2% vs 2024
€ 3,585 is repaid this year. At this pace the long-term loan is gone in ≈ 59 years.
€ 675,957
▲ 16% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 24,524
▼ 4% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 372,479 | € 378,840 | € 349,858 | € 381,941 | ▲ 9% |
| Profit after taxes | € 22,652 | € 63,407 | € 28,280 | € 12,246 | ▼ 57% |
| Equity | € 589,010 | € 427,416 | € 455,696 | € 467,943 | ▲ 3% |
| Total debts | € 1,674,155 | € 1,512,901 | € 1,562,954 | € 1,642,268 | ▲ 5% |
| Cash | € 63,446 | € 54,986 | € 53,174 | € 61,425 | ▲ 16% |
| Land & buildings | € 1,699,777 | € 1,557,518 | € 1,575,205 | € 1,535,139 | ▼ 3% |
| Retained profit | € 302,010 | € 365,416 | € 393,696 | € 405,943 | ▲ 3% |
| Bank debt | € 200,000 | € 200,000 | € 214,418 | € 211,022 | ▼ 2% |
| Balance sheet total | € 2,263,165 | € 1,940,318 | € 2,018,651 | € 2,110,211 | ▲ 5% |
| Employees (FTE) | 2 | 2 | 2.6 | 2.6 |
Key figures of ROYAL IMMO, 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 ROYAL IMMO?
What happened at ROYAL IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 12,246 (▼ 57% vs 2024). filed late Source: NBB ↗
- Stéphane DERMIENCE became a director. NBB
- Ludovic DERMIENCE became a director. NBB
- Fabienne ROSIERE became a director. NBB
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 22,652 profit in 2022 to € 12,246 profit in 2025.
Paid € 14,013 in corporate taxes since 2022.
Best year ever: 2023, with € 63,407 profit.
On average € 146,900 of value added per employee in 2025.
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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 ROYAL IMMO are Stéphane DERMIENCE, Ludovic DERMIENCE and Fabienne ROSIERE. The same people are also behind Royal Tapis. Stéphane DERMIENCE is also behind ROYAL TAPIS DECORATION. Ludovic DERMIENCE is also behind ROYAL TAPIS DECORATION.
Directors
According to the 2025 annual accounts
since 2023
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Chaussée de Louvain(BU) 375
5004 Namur
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0438.003.993
- VAT number
- BE 0438.003.993
- Registered office
- Chaussée de Louvain(BU) 375, 5004 Namur
- Names & denominations
- ROYAL IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 July 1989
- Peppol
- Active · Active since 8 Dec 2025
- Activities · NACE
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