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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 1.9 to 0.
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Busy address KBO
26 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
ELOY IMMO from Sprimont, company number BE0444469341, closed financial year 2025 with a result of € -64,361 after tax. For that financial year ELOY IMMO recorded revenue of € 833,300 and equity of € 925,639. Compared with financial year 2024, the result moved from € -405,874 to € -64,361. The company made a loss. 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 3, 2026.
€ 925,639
▲ € 1.2 million vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -64,361
▲ 84 % less loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -389,411.
People and assets in 2025
0
▼ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 4,947
▼ 96% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 9.4 million
▼ 16% vs 2024
€ 181,787 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 8,365
▲ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 4 days on average.
€ 2,458
▼ 74% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 774,003 | € 709,848 | € 733,591 | € 833,300 | ▲ 14% |
| Profit after taxes | € -105,798 | € -354,426 | € -405,874 | € -64,361 | ▲ € 341,513 |
| Equity | € 496,751 | € 142,325 | € -263,550 | € 925,639 | ▲ € 1.2 million |
| Total debts | € 9,780,966 | € 11,032,319 | € 11,140,948 | € 9,380,405 | ▼ 16% |
| Retained profit | € 435,251 | € 80,825 | € -325,050 | € -389,411 | ▼ € 64,361 |
| Bank debt | € 9,686,098 | € 10,957,442 | € 11,116,107 | € 9,369,087 | ▼ 16% |
| Balance sheet total | € 10,286,934 | € 11,180,153 | € 10,882,743 | € 10,306,753 | ▼ 5% |
| Employees (FTE) | 1.9 | 1.9 | 0.8 | 0 | ▼ 0.8 |
Key figures of ELOY 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 ELOY IMMO?
What happened at ELOY IMMO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Olivier ELOY stepped down as director. NBB
- David ELOY stepped down as director. NBB
- Pierre-Etienne ELOY stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 64,361. Source: NBB ↗
- Olivier ELOY became a director. NBB
- David ELOY became a director. NBB
- Pierre-Etienne ELOY became a director. NBB
- New establishment in Aywaille. KBO
In short
From € 105,798 loss in 2022 to € 64,361 loss in 2025.
Paid € 2,111 in corporate taxes since 2022.
Pays suppliers within 4 days on average.
Management
The stake of ELOY CONSTRUCT comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
ELOY IMMOThe shares are held by ELOY CONSTRUCT (100%).
Directors
According to the 2025 annual accounts
Olivier ELOY
Managing director
Also active at: ELOY WATER GROUP, ELOY GROUP, VASANO, ELOY REAL ESTATE, E.D.P. IMMO, CARRIERES THOMAS, E.B.E. IMMO, ELOY WATER +3 more
since 2021 · until 2030
David ELOY
Managing director
Also active at: ELOY TRAVAUX, ELOY WATER GROUP, ELOY GROUP, E.P.E. IMMO, DEMCO, ELOY REAL ESTATE, E.D.P. IMMO, CARRIERES THOMAS +9 more
since 2021 · until 2030
Pierre-Etienne ELOY
Managing director
Also active at: ELOY TRAVAUX, R HOTEL EXPERIENCES, ELOY WATER GROUP, ELOY GROUP, E.P.E. IMMO, PE ELOY, ELOY PPE INVEST, ELOY REAL ESTATE +8 more
since 2021 · until 2030
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue des Spinettes 13
4140 Sprimont
Rue de Septroux 3
4920 Aywaille
Active since 16 December 1992
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 26 companies are registered at this address.
All companies at this address →ELOY TRAVAUX same network
€ 84.5 million revenue · 2024
ELOY WATER GROUP same network
SA ELOY TRAVAUX + SA ENVISAN INTERNATIONAL
ELOY GROUP same network
BIOCRISTAL
+21 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0444.469.341
- VAT number
- BE 0444.469.341
- Registered office
- Rue des Spinettes 13, 4140 Sprimont
- Names & denominations
- ELOY IMMO
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 24 June 1991
- Peppol
- Active · Active since 20 Nov 2020
- Activities · NACE
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