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 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.
€ -57,852
▼ € 9,489 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -9,489
▲ 72 % less loss than in 2024
Profit after tax over the fiscal year.
€ 235
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -61,852.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 156,532
▼ 16% vs 2024
€ 28,282 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 2,840
▲ 118% 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 | € -3,797 | € -6,463 | € -4,281 | € -2,663 | ▲ € 1,618 |
| Profit after taxes | € -8,393 | € -9,567 | € -34,403 | € -9,489 | ▲ € 24,914 |
| Equity | € -4,393 | € -13,960 | € -48,363 | € -57,852 | ▼ € 9,489 |
| Total debts | € 140,777 | € 912,623 | € 902,867 | € 930,958 | ▲ 3% |
| Cash | € 1,642 | € 13,873 | € 0 | € 235 | |
| Land & buildings | € 3,958 | € 3,958 | € 3,958 | € 22,462 | ▲ € 18,504 |
| Retained profit | € -8,393 | € -17,960 | € -52,363 | € -61,852 | ▼ € 9,489 |
| Bank debt | € 115,773 | € 553,389 | € 186,178 | € 156,532 | ▼ 16% |
| Balance sheet total | € 136,384 | € 898,662 | € 854,504 | € 873,106 | ▲ 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:
- New annual accounts for financial year 2025: loss of € 9,489. Source: NBB ↗
- New establishment in Ravels. KBO
- Dirk Jochems became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 8,393 loss in 2022 to € 9,489 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 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
since 2021
Establishments
Establishment units
Physical locations of this company
De Meerkens 11a
2382 Ravels
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 →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