Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 2 of the last 3 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 17 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 4.1 to 2.9.
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Busy address KBO
90 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
IMMO GEM INVEST from Antwerpen, company number BE0475260309, closed financial year 2025 with a result of € 316,194 after tax. For that financial year IMMO GEM INVEST recorded a gross margin of € 3.2 million and equity of € -324,741. Compared with financial year 2024, the result moved from € -4.9 million to € 316,194. Profitable, and profit is growing. 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 January 28, 2026.
€ -324,741
▲ € 316,194 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 316,194
▲ still € 4.9 million loss in 2024
Profit after tax over the fiscal year.
€ 55,153
▲ 8% 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 € -439,341.
People and assets in 2025
2.9
▼ 1.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 157,698
▼ 11% vs 2024
€ 54,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 18,961
▼ 52% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 32.6 million
▼ 5% vs 2024
€ 2.2 million is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 1.1 million
▼ 2% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 127,789
▲ 17% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € 2,162,233 | € 3,379,092 | € 3,198,654 | ▼ 5% |
| Profit after taxes | € -109,480 | € -4,894,119 | € 316,194 | ▲ € 5.2 million |
| Equity | € 4,399,501 | € -640,935 | € -324,741 | ▲ € 316,194 |
| Total debts | € 37,701,930 | € 36,566,350 | € 34,898,131 | ▼ 5% |
| Cash | € 45,285 | € 51,192 | € 55,153 | ▲ 8% |
| Land & buildings | € 801,332 | € 1,869,698 | € 1,729,989 | ▼ 7% |
| Retained profit | € 4,284,900 | € -755,536 | € -439,341 | ▲ € 316,194 |
| Bank debt | € 36,214,704 | € 34,309,524 | € 32,577,889 | ▼ 5% |
| Balance sheet total | € 43,532,186 | € 37,487,919 | € 35,949,296 | ▼ 4% |
| Employees (FTE) | 4.1 | 4 | 2.9 | ▼ 1.1 |
Key figures of IMMO GEM INVEST, 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 GEM INVEST?
What happened at IMMO GEM INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Charles Finkelstein stepped down as director. NBB
- Pinchas Finkelstein stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 316,194. Source: NBB ↗
- Charles Finkelstein became a director. NBB
- Pinchas Finkelstein became a director. NBB
- New establishment in Antwerpen. KBO
- Start of the company according to the CBE. KBO
In short
From € 109,480 loss in 2022 to € 316,194 profit in 2025.
Paid € 41,429 in corporate taxes since 2022.
Best year ever: 2025, with € 316,194 profit.
On average € 1.1 million of value added per employee in 2025.
A new publication or filing at IMMO GEM INVEST? We notify you, reason included.
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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%
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Management
It owns 99% of Parking Vesting and 56% of Project Pelikaanstraat itself.
Directors
According to the 2025 annual accounts
Charles Finkelstein
Managing director
Also active at: Société Diamantaire Ch. Finkelstein et Cie, Joaillerie Frohmann frères, PARKING VESTING, CH. FINKELSTEIN en Co INDUSTRIAL DIVISION, Coralba Group, Immo Maurice, WONINGEN FINIBO, CRU INVEST +4 more
since 2025 · until 2031
Pinchas Finkelstein
Director
since 2025 · until 2031
Establishments
Establishment units
Physical locations of this company
Hoveniersstraat 53 box 37
2018 Antwerpen
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 90 companies are registered at this address.
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€ -15,660 gross margin · 2025
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€ 9.8 million revenue · 2025
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€ 933,772 gross margin · 2025
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What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0475.260.309
- VAT number
- BE 0475.260.309
- Registered office
- Hoveniersstraat 53 bus 37, 2018 Antwerpen
- Names & denominations
- IMMO GEM INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 9 July 2001
- Peppol
- Active · Active since 1 Sept 2025
- Activities · NACE
Handel in eigen onroerend goed
Handel in onroerend goed