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 1 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
IMMO CREDITFINANCE from Zaventem, company number BE0445682831, closed financial year 2025 with a result of € -120,779 after tax. For that financial year IMMO CREDITFINANCE recorded a gross margin of € 593,064 and equity of € 4.4 million. Compared with financial year 2024, the result moved from € 44,400 to € -120,779. 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 January 30, 2026.
€ 4.4 million
▼ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -120,779
▼ still € 44,400 profit in 2024
Profit after tax over the fiscal year.
€ 13,230
▼ 84% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 4.1 million.
Debts at end 2025
€ 4.4 million
▲ 31% vs 2024
€ 666,998 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 2,000
Supplier invoices still open on the last day of the fiscal year.
€ 2,344
▼ 94% 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 | |
|---|---|---|---|---|---|
| Gross margin | € 2,404,781 | € 626,065 | € 646,059 | € 593,064 | ▼ 8% |
| Profit after taxes | € 1,421,495 | € 71,689 | € 44,400 | € -120,779 | ▼ € 165,180 |
| Equity | € 5,163,470 | € 4,985,160 | € 4,639,297 | € 4,448,386 | ▼ 4% |
| Total debts | € 2,692,309 | € 1,322,866 | € 3,634,491 | € 4,859,100 | ▲ 34% |
| Cash | € 2,230,515 | € 58,687 | € 84,462 | € 13,230 | ▼ 84% |
| Land & buildings | € 6,520,400 | € 6,083,510 | € 8,759,639 | € 9,971,989 | ▲ 14% |
| Retained profit | € 4,562,888 | € 4,384,577 | € 4,178,978 | € 4,058,198 | ▼ 3% |
| Dividend | € 250,000 | € 250,000 | € 250,000 | € 0 | ▼ 100% |
| Bank debt | € 2,371,114 | € 1,056,882 | € 3,341,797 | € 4,379,756 | ▲ 31% |
| Balance sheet total | € 8,756,497 | € 7,146,517 | € 9,041,793 | € 9,993,006 | ▲ 11% |
Key figures of IMMO CREDITFINANCE, 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 CREDITFINANCE?
What happened at IMMO CREDITFINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Peter Stockmans stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 120,779 (▼ € 165,180 vs 2024). Source: NBB ↗
- Peter Stockmans became a director. NBB
- New establishment in Brasschaat. KBO
- Start of the company according to the CBE. KBO
In short
From € 1.4 million profit in 2022 to € 120,779 loss in 2025.
Paid € 199,289 in corporate taxes since 2022.
Best year ever: 2022, with € 1.4 million profit.
Paid out € 750,000 in dividends to the owners in total.
Management
Directors
According to the 2025 annual accounts
since 2021 · until 2027
Establishments
Establishment units
Physical locations of this company
Borrestraat 23
1932 Zaventem
Bredabaan 199
2930 Brasschaat
Active since 28 November 1991
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0445.682.831
- VAT number
- BE 0445.682.831
- Registered office
- Borrestraat 23, 1932 Zaventem
- Names & denominations
- IMMO CREDITFINANCE · I.C.F.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 6 November 1991
- Peppol
- Active · Active since 21 Oct 2026
- Activities · NACE
Handel in eigen onroerend goed
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen