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 52 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Immo Concept SteVal from Ham-sur-Heure-Nalinnes, company number BE0479145356, closed financial year 2025 with a result of € 22,482 after tax. For that financial year Immo Concept SteVal recorded a gross margin of € 177,929 and equity of € 21,242. Compared with financial year 2024, the result moved from € -11,128 to € 22,482. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ 21,242
▲ € 22,482 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 22,482
▲ still € 11,128 loss in 2024
Profit after tax over the fiscal year.
€ 4,086
▼ 84% 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 € 2,642.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 141,796
▼ 41% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 138
▼ 99% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 11,955
▼ 74% vs 2024
€ 4,474 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 1,715
▼ 94% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 1,462
▼ 89% vs 2024
Taxes, VAT and social contributions still to pay.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 196,622 | € 198,290 | € 240,291 | € 177,929 | ▼ 26% |
| Profit after taxes | € 9,210 | € -35,879 | € -11,128 | € 22,482 | ▲ € 33,609 |
| Equity | € 45,768 | € 9,889 | € -1,239 | € 21,242 | ▲ € 22,482 |
| Total debts | € 77,700 | € 132,101 | € 86,650 | € 33,111 | ▼ 62% |
| Cash | € 7,741 | € 3,512 | € 25,021 | € 4,086 | ▼ 84% |
| Land & buildings | - | - | - | € 35,254 | |
| Retained profit | € 27,168 | € -8,711 | € -19,839 | € 2,642 | ▲ € 22,482 |
| Bank debt | € 40,279 | € 69,282 | € 46,011 | € 11,955 | ▼ 74% |
| Balance sheet total | € 123,468 | € 141,989 | € 85,410 | € 54,354 | ▼ 36% |
Key figures of Immo Concept SteVal, 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 Immo Concept SteVal?
What happened at Immo Concept SteVal in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 22,482. Source: NBB ↗
- New establishment in Ham-sur-Heure-Nalinnes. KBO
- Start of the company according to the CBE. KBO
In short
From € 9,210 profit in 2022 to € 22,482 profit in 2025.
Paid € 3,004 in corporate taxes since 2022.
Best year ever: 2025, with € 22,482 profit.
Management
Behind Immo Concept SteVal is Steve Vermeiren.
Directors
According to the 2025 annual accounts
Steve Vermeiren
Director
Establishments
Establishment units
Physical locations of this company
Rue de la Praie(HSH) 42
6120 Ham-sur-Heure-Nalinnes
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0479.145.356
- VAT number
- BE 0479.145.356
- Registered office
- Rue de la Praie(HSH) 42, 6120 Ham-sur-Heure-Nalinnes
- Names & denominations
- Immo Concept SteVal
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 9 January 2003
- Peppol
- Active · Active since 23 Nov 2025
- Activities · NACE
Stukadoorswerk
Schilderen
Isolatiewerkzaamheden
Installatie van isolatie
Schilderen van gebouwen