What does S&F Immo do?

S&F Immo is registered with the CBE as active in: Handel in eigen onroerend goed. Private Limited, started on 22 April 2021, 1 establishment.

What is the address of S&F Immo?

The registered office of S&F Immo is located at De Meerkens 11a, 2382 Ravels.

Is S&F Immo still active?

Yes. According to the CBE (30 October 2026) S&F Immo is active, legal situation “Normale toestand”, started on 22 April 2021.

Is S&F Immo registered on Peppol?

Yes, S&F Immo is registered on the Peppol network with ID 0208:0767408075.

What is the enterprise number of S&F Immo?

The enterprise number of S&F Immo is BE0767408075.

When was S&F Immo founded?

S&F Immo was founded on 22 April 2021.

Who are the directors of S&F Immo?

According to the 2025 annual accounts, the directors of S&F Immo are: Dirk Jochems.

Is S&F Immo a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 22 April 2021; 4 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did S&F Immo make in 2025?

S&F Immo recorded a loss after taxes of € 9,489 in financial year 2025.

What is the revenue of S&F Immo?

As a small company, S&F Immo is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -2,663.

How many employees does S&F Immo have?

According to the 2025 annual accounts, S&F Immo has 0 full-time equivalents (FTE).

S&F Immo (Private Limited) - Ravels - BE0767408075

Dossier S&F Immo, printed on 30 October 2026 from databakkes.be/en/0767408075/s-f-immo. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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 4 of the last 4 fiscal years.
Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.

Financials

Financial year 2025

S&F Immo from Ravels, company number BE0767408075, closed financial year 2025 with a result of € -9,489 after tax. For that financial year S&F Immo recorded a gross margin of € -2,663 and equity of € -57,852. Compared with financial year 2024, the result moved from € -34,403 to € -9,489. 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 July 23, 2026.

What it is worth Caution

€ -57,852

▼ € 9,489 vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -9,489

▲ 72 % less loss than in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 235

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € -61,852.

People and assets in 2025

Full-time equivalents

Average over the fiscal year, from the social balance sheet.

Debts at end 2025

Bank debt ≈ 6 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 156,532

▼ 16% vs 2024

€ 28,282 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.

Owed to suppliers

€ 2,840

▲ 118% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ -3,797 Gross margin 2022: € -3,797 First fiscal year in the series	€ -6,463 Gross margin 2023: € -6,463 ▼ € 2,666 vs 2022 (€ -3,797) Unfavourable step	€ -4,281 Gross margin 2024: € -4,281 ▲ € 2,182 vs 2023 (€ -6,463) Favourable step	€ -2,663 Gross margin 2025: € -2,663 ▲ € 1,618 vs 2024 (€ -4,281) Favourable step	▲ € 1,618
Profit after taxes	€ -8,393 Profit after taxes 2022: € -8,393 First fiscal year in the series	€ -9,567 Profit after taxes 2023: € -9,567 ▼ € 1,174 vs 2022 (€ -8,393) Unfavourable step	€ -34,403 Profit after taxes 2024: € -34,403 ▼ € 24,836 vs 2023 (€ -9,567) Unfavourable step	€ -9,489 Profit after taxes 2025: € -9,489 ▲ € 24,914 vs 2024 (€ -34,403) Favourable step	▲ € 24,914
Equity	€ -4,393 Equity 2022: € -4,393 First fiscal year in the series	€ -13,960 Equity 2023: € -13,960 ▼ € 9,567 vs 2022 (€ -4,393) Unfavourable step	€ -48,363 Equity 2024: € -48,363 ▼ € 34,403 vs 2023 (€ -13,960) Unfavourable step	€ -57,852 Equity 2025: € -57,852 ▼ € 9,489 vs 2024 (€ -48,363) Unfavourable step	▼ € 9,489
Total debts	€ 140,777 Total debts 2022: € 140,777 First fiscal year in the series	€ 912,623 Total debts 2023: € 912,623 ▲ € 771,846 vs 2022 (€ 140,777) Unfavourable step	€ 902,867 Total debts 2024: € 902,867 ▼ 1% vs 2023 (€ 912,623) Favourable step	€ 930,958 Total debts 2025: € 930,958 ▲ 3% vs 2024 (€ 902,867) Unfavourable step	▲ 3%
Cash	€ 1,642 Cash 2022: € 1,642 First fiscal year in the series	€ 13,873 Cash 2023: € 13,873 ▲ € 12,231 vs 2022 (€ 1,642) Favourable step	€ 0 Cash 2024: € 0 ▼ 100% vs 2023 (€ 13,873) Unfavourable step	€ 235 Cash 2025: € 235 Unchanged (€ 0) Favourable step
Land & buildings	€ 3,958 Land & buildings 2022: € 3,958 First fiscal year in the series	€ 3,958 Land & buildings 2023: € 3,958 Unchanged (€ 3,958) Unchanged	€ 3,958 Land & buildings 2024: € 3,958 Unchanged (€ 3,958) Unchanged	€ 22,462 Land & buildings 2025: € 22,462 ▲ € 18,504 vs 2024 (€ 3,958) Unchanged	▲ € 18,504
Retained profit	€ -8,393 Retained profit 2022: € -8,393 First fiscal year in the series	€ -17,960 Retained profit 2023: € -17,960 ▼ € 9,567 vs 2022 (€ -8,393) Unfavourable step	€ -52,363 Retained profit 2024: € -52,363 ▼ € 34,403 vs 2023 (€ -17,960) Unfavourable step	€ -61,852 Retained profit 2025: € -61,852 ▼ € 9,489 vs 2024 (€ -52,363) Unfavourable step	▼ € 9,489
Bank debt	€ 115,773 Bank debt 2022: € 115,773 First fiscal year in the series	€ 553,389 Bank debt 2023: € 553,389 ▲ € 437,615 vs 2022 (€ 115,773) Unfavourable step	€ 186,178 Bank debt 2024: € 186,178 ▼ 66% vs 2023 (€ 553,389) Favourable step	€ 156,532 Bank debt 2025: € 156,532 ▼ 16% vs 2024 (€ 186,178) Favourable step	▼ 16%
Balance sheet total	€ 136,384 Balance sheet total 2022: € 136,384 First fiscal year in the series	€ 898,662 Balance sheet total 2023: € 898,662 ▲ € 762,278 vs 2022 (€ 136,384) Unchanged	€ 854,504 Balance sheet total 2024: € 854,504 ▼ 5% vs 2023 (€ 898,662) Unchanged	€ 873,106 Balance sheet total 2025: € 873,106 ▲ 2% vs 2024 (€ 854,504) Unchanged	▲ 2%

Key figures of S&F Immo, 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 S&F Immo?

What happened at S&F Immo in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Jul 23, 2026 New annual accounts for financial year 2025: loss of € 9,489. Source: NBB ↗
Apr 22, 2021 New establishment in Ravels. KBO
2021 Dirk Jochems became a director. NBB
Apr 22, 2021 Start of the company according to the CBE. KBO

In short

From € 8,393 loss in 2022 to € 9,489 loss in 2025.

Original PDFs at the National Bank ↗

Management

Dirk Jochems

S&F Immo

De Notelaar 100%

Geda Vastgoedhandel 50%

Behind S&F Immo is Dirk Jochems. It owns 100% of De Notelaar and 50% of Geda Vastgoedhandel itself.

Directors

According to the 2025 annual accounts

Dirk Jochems

Director

Also active at: GEDA Vastgoedhandel, GEDA PROJECTS

since 2021

Establishments

Establishment units

Physical locations of this company

Registered office

De Meerkens 11a

2382 Ravels

2.321.102.112

De Meerkens 11 box A

2382 Ravels

Active since 22 April 2021

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

De Notelaar same network

€ 66,521 gross margin · 2025

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0767.408.075

VAT number

BE 0767.408.075

Registered office

De Meerkens 11a, 2382 Ravels

Names & denominations

S&F Immo

Enterprise type

Rechtspersoon

Legal form

Private limited company

Legal situation

Normale toestand

Start date

22 April 2021

Peppol

Active · Active since 1 Jan 2001

Activities · NACE

Handel in eigen onroerend goed

Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen

Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen

Verhuur en exploitatie van terreinen

View on CBE Public ↗ Annual accounts (NBB) ↗

S&F Immo

Warning lights

Financials

What happened to S&F Immo?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions