Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2023 and 2024.
Financials
Financial year 2024
IMMOBILIERS - PRETS - ASSURANCES from Hamoir, company number BE0445586920, closed financial year 2024 with a result of € -28,535 after tax. For that financial year IMMOBILIERS - PRETS - ASSURANCES recorded a gross margin of € -672 and equity of € 95,703. Compared with financial year 2023, the result moved from € -3,957 to € -28,535. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on September 25, 2025.
€ 95,703
▼ 23% vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -28,535
▼ 621 % more loss than in 2023
Profit after tax over the fiscal year.
€ 53,797
▼ 20% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 77,111.
People and assets in 2024
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 24,186
▼ 32% vs 2023
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 2024
€ 852
▼ 66% vs 2023
Loans from banks and other lenders, long and short.
€ 22,697
▲ 75% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 6,097
▲ 66% vs 2023
Taxes, VAT and social contributions still to pay.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 88,388 | € 55,377 | € 35,616 | € -672 | ▼ € 36,288 |
| Profit after taxes | € 23,978 | € 1,259 | € -3,957 | € -28,535 | ▼ € 24,578 |
| Equity | € 126,936 | € 128,195 | € 124,238 | € 95,703 | ▼ 23% |
| Total debts | € 270,290 | € 198,749 | € 88,584 | € 164,485 | ▲ 86% |
| Cash | € 271,038 | € 213,092 | € 67,294 | € 53,797 | ▼ 20% |
| Retained profit | € 108,344 | € 109,603 | € 105,646 | € 77,111 | ▼ 27% |
| Bank debt | € 0 | € 0 | € 2,500 | € 852 | ▼ 66% |
| Balance sheet total | € 397,226 | € 326,944 | € 212,822 | € 260,188 | ▲ 22% |
Key figures of IMMOBILIERS - PRETS - ASSURANCES, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to IMMOBILIERS - PRETS - ASSURANCES?
What happened at IMMOBILIERS - PRETS - ASSURANCES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 28,535. filed late Source: NBB ↗
- René ROMEDENNE became a director. NBB
- New establishment in Liège. KBO
- Start of the company according to the CBE. KBO
In short
From € 23,978 profit in 2021 to € 28,535 loss in 2024.
Paid € 10,121 in corporate taxes since 2021.
Best year ever: 2021, with € 23,978 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
Behind IMMOBILIERS - PRETS - ASSURANCES is René ROMEDENNE.
Directors
According to the 2024 annual accounts
René ROMEDENNE
Manager
since 2008
Establishments
Establishment units
Physical locations of this company
Allée des Ramiers 1
4180 Hamoir
Boulevard d'Avroy 81
4000 Liège
Active since 3 February 1994
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0445.586.920
- VAT number
- BE 0445.586.920
- Registered office
- Allée des Ramiers 1, 4180 Hamoir
- Names & denominations
- IMMOBILIERS - PRETS - ASSURANCES · I.P.A.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 25 October 1991
- Peppol
- Active · Active since 25 Nov 2025
- Activities · NACE
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis
Administratieve en ondersteunende activiteiten ten behoeve van kantoren
Agenten en makelaars in bankdiensten
Secretariaten
Fotokopiëren, documentvoorbereiding en andere gespecialiseerde ondersteunende activiteiten ten behoeve van kantoren