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 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 7 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
34 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
IMMOGUM from Mont-Saint-Guibert, company number BE0475348302, closed financial year 2025 with a result of € -138,543 after tax. For that financial year IMMOGUM recorded a gross margin of € -18,264 and equity of € 2.4 million. Compared with financial year 2024, the result moved from € -157,102 to € -138,543. 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 July 9, 2026.
€ 2.4 million
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -138,543
▲ 12 % less loss than in 2024
Profit after tax over the fiscal year.
€ 48,898
▲ € 47,852 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2.3 million.
Debts at end 2025
€ 379,417
▼ 25% vs 2024
Loans from banks and other lenders, long and short.
€ 605,389
▲ 3% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 22,176
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,421,949 | € 456,116 | € -86,965 | € -18,264 | ▲ € 68,702 |
| Profit after taxes | € 905,142 | € 245,909 | € -157,102 | € -138,543 | ▲ € 18,559 |
| Equity | € 2,438,935 | € 2,684,844 | € 2,527,742 | € 2,389,199 | ▼ 5% |
| Total debts | € 4,484,520 | € 1,385,003 | € 1,092,748 | € 1,663,050 | ▲ 52% |
| Cash | € 38,580 | € 186,802 | € 1,046 | € 48,898 | ▲ € 47,852 |
| Retained profit | € 2,376,961 | € 2,622,871 | € 2,465,769 | € 2,327,226 | ▼ 6% |
| Bank debt | € 2,554,791 | € 506,000 | € 506,000 | € 379,417 | ▼ 25% |
| Balance sheet total | € 6,923,454 | € 4,069,847 | € 3,620,490 | € 4,052,249 | ▲ 12% |
Key figures of IMMOGUM, 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 IMMOGUM?
What happened at IMMOGUM in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Bernard Jacquet stepped down as director. NBB
- Francis Lagarde stepped down as director. NBB
- Séverine Spinosa stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 138,543. Source: NBB ↗
- Bernard Jacquet became a director. NBB
- Francis Lagarde became a director. NBB
- Séverine Spinosa became a director. NBB
- New establishment in Mont-Saint-Guibert. KBO
In short
From € 905,142 profit in 2022 to € 138,543 loss in 2025.
Paid € 419,010 in corporate taxes since 2022.
Best year ever: 2022, with € 905,142 profit.
A new publication or filing at IMMOGUM? 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%
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
The stake of B.W. Promo comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
IMMOGUMThe shares are held by B.W. Promo (100%).
Directors
According to the 2025 annual accounts
since 2024 · until 2030
since 2024 · until 2030
Séverine Spinosa
Director
Also active at: IN-RED, BUILDING DEVELOPMENT REAL ESTATE, LA DODANE, TIM INVEST, PARAPH'S, MONT WALDIN, IMMOBILIERE DUMONT 2
since 2024 · until 2030
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue du Fond Cattelain 1 box 1
1435 Mont-Saint-Guibert
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 34 companies are registered at this address.
All companies at this address →AUTO - ECOLE PRO-PERMIS
€ 1 million gross margin · 2025
B.W. Promo same network
€ 732,206 gross margin · 2025
Lafiduciaire Conseils
€ 289,335 gross margin · 2024
B.W. CENTER same network
€ -4,797 gross margin · 2025
CAMPAGNE DU PETIT BAULERS
€ 1.3 million revenue · 2025
+29 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
- 0475.348.302
- VAT number
- BE 0475.348.302
- Registered office
- Rue du Fond Cattelain 1 bus 1, 1435 Mont-Saint-Guibert
- Names & denominations
- IMMOGUM
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 20 July 2001
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
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