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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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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 19 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
IMMO TER BANK from Aarschot, company number BE0461071979, closed financial year 2025 with a result of € -231,103 after tax. For that financial year IMMO TER BANK recorded a gross margin of € 269,956 and equity of € -663,827. Compared with financial year 2024, the result moved from € -304,531 to € -231,103. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 27, 2025.
€ -663,827
▼ € 231,103 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -231,103
▲ 24 % less loss than in 2024
Profit after tax over the fiscal year.
€ 57,456
▼ 70% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -725,800.
Debts at end 2025
€ 7.5 million
▲ 47% vs 2024
€ 215,359 is repaid this year. At this pace the long-term loan is gone in ≈ 35 years.
€ 80,227
▼ 69% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 34,175 | € 13,344 | € 34,985 | € 269,956 | ▲ € 234,972 |
| Profit after taxes | € -26,867 | € -88,343 | € -304,531 | € -231,103 | ▲ € 73,428 |
| Equity | € -39,850 | € -128,192 | € -432,724 | € -663,827 | ▼ € 231,103 |
| Total debts | € 942,968 | € 2,090,533 | € 6,197,380 | € 8,658,671 | ▲ 40% |
| Cash | € 152,380 | € 207,240 | € 194,369 | € 57,456 | ▼ 70% |
| Land & buildings | € 702,191 | € 1,701,389 | € 5,481,484 | € 7,637,263 | ▲ 39% |
| Retained profit | € -101,823 | € -190,166 | € -494,697 | € -725,800 | ▼ € 231,103 |
| Bank debt | € 295,557 | € 1,353,793 | € 5,118,734 | € 7,521,519 | ▲ 47% |
| Balance sheet total | € 903,118 | € 1,962,341 | € 5,764,656 | € 7,994,844 | ▲ 39% |
Key figures of IMMO TER BANK, 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 October 2026.
What happened to IMMO TER BANK?
What happened at IMMO TER BANK in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 231,103. Source: NBB ↗
- New establishment in Leuven. KBO
- HANS VAN ROIE became a director. NBB
- MARIA DEBONTRIDDER became a director. NBB
- STEFAN VAN ROIE became a director. NBB
- New establishment in Aarschot. KBO
- Start of the company according to the CBE. KBO
In short
From € 26,867 loss in 2022 to € 231,103 loss 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 IMMO TER BANK are HANS VAN ROIE, MARIA DEBONTRIDDER and STEFAN VAN ROIE. The same people are also behind PATRIBO 2000. HANS VAN ROIE is also behind EQUIMO and LDB CONSULT. STEFAN VAN ROIE is also behind VAN ROIE STEFAN.
Directors
According to the 2025 annual accounts
since 2012
since 2012
since 2012
Establishments
Establishment units
Physical locations of this company
Volkensvoortstraat 11A
3201 Aarschot
Volkensvoortstraat 11 box A
3201 Aarschot
Active since 19 August 1997
Celestijnenlaan 52 box C
3001 Leuven
Active since 1 April 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0461.071.979
- VAT number
- BE 0461.071.979
- Registered office
- Volkensvoortstraat 11A, 3201 Aarschot
- Names & denominations
- IMMO TER BANK
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 15 July 1997
- Peppol
- Active · Active since 9 Oct 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen