Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
IMMO - PROBEMA from Stekene, company number BE0438006072, closed financial year 2025 with a result of € 1,213 after tax. For that financial year IMMO - PROBEMA recorded a gross margin of € 11,207 and equity of € 721. Compared with financial year 2024, the result moved from € -821 to € 1,213. 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 December 12, 2025.
€ 721
▲ € 1,213 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1,213
▲ still € 821 loss in 2024
Profit after tax over the fiscal year.
€ 1,302
▲ 111% 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 € -17,871.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
€ 36,625
▼ 18% vs 2024
€ 8,433 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 182
▲ € 157 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 9,518 | € 6,636 | € 9,414 | € 11,207 | ▲ 19% |
| Profit after taxes | € -847 | € -3,627 | € -821 | € 1,213 | ▲ € 2,034 |
| Equity | € 3,956 | € 330 | € -492 | € 721 | ▲ € 1,213 |
| Total debts | € 97,162 | € 93,958 | € 87,652 | € 79,896 | ▼ 9% |
| Cash | € 43 | € 457 | € 618 | € 1,302 | ▲ 111% |
| Land & buildings | € 100,540 | € 93,300 | € 86,060 | € 78,820 | ▼ 8% |
| Retained profit | € -14,636 | € -18,262 | € -19,084 | € -17,871 | ▲ € 1,213 |
| Bank debt | € 60,651 | € 52,849 | € 44,842 | € 36,625 | ▼ 18% |
| Balance sheet total | € 101,118 | € 94,287 | € 87,160 | € 80,618 | ▼ 8% |
Key figures of IMMO - PROBEMA, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to IMMO - PROBEMA?
What happened at IMMO - PROBEMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 1,213. Source: NBB ↗
- Ann De Smet became a director. NBB
- New establishment in Stekene. KBO
- Start of the company according to the CBE. KBO
In short
From € 847 loss in 2022 to € 1,213 profit in 2025.
Best year ever: 2025, with € 1,213 profit.
Management
Behind IMMO - PROBEMA is Ann De Smet.
Directors
According to the 2025 annual accounts
Ann De Smet
Director
since 2015
Establishments
Establishment units
Physical locations of this company
Wildernis(STE) 13 box A
9190 Stekene
Wildernis(STE) 13 A
9190 Stekene
Active since 25 July 2000
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0438.006.072
- VAT number
- BE 0438.006.072
- Registered office
- Wildernis(STE) 13 bus A, 9190 Stekene
- Names & denominations
- IMMO - PROBEMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 July 1989
- Peppol
- Not registered