Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
IMMO ELMA from Leuven, company number BE0839369011, closed financial year 2025 with a result of € 11,086 after tax. For that financial year IMMO ELMA recorded a gross margin of € 69,127 and equity of € 186,181. Compared with financial year 2024, the result moved from € 12,177 to € 11,086. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on February 12, 2026.
€ 186,181
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 11,086
▼ 9% vs 2024
Profit after tax over the fiscal year.
€ 313
▼ 91% 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 € 86,181.
Debts at end 2025
€ 464,052
▼ 12% vs 2024
€ 67,287 is repaid this year. At this pace the long-term loan is gone in ≈ 7 years.
€ 3,044
▼ 89% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,590
▼ 54% vs 2024
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 | € 84,556 | € 85,001 | € 73,885 | € 69,127 | ▼ 6% |
| Profit after taxes | € 13,066 | € 16,989 | € 12,177 | € 11,086 | ▼ 9% |
| Equity | € 145,929 | € 162,918 | € 175,095 | € 186,181 | ▲ 6% |
| Total debts | € 665,457 | € 603,920 | € 570,801 | € 516,185 | ▼ 10% |
| Cash | € 8,338 | € 6,913 | € 3,503 | € 313 | ▼ 91% |
| Land & buildings | € 786,893 | € 746,599 | € 723,681 | € 685,388 | ▼ 5% |
| Retained profit | € 45,929 | € 62,918 | € 75,095 | € 86,181 | ▲ 15% |
| Bank debt | € 651,018 | € 583,851 | € 530,167 | € 464,052 | ▼ 12% |
| Balance sheet total | € 811,386 | € 766,838 | € 745,896 | € 702,366 | ▼ 6% |
Key figures of IMMO ELMA, 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 April 2027.
What happened to IMMO ELMA?
What happened at IMMO ELMA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 11,086 (▼ 9% vs 2024). Source: NBB ↗
- Karine Crokaert became a director. NBB
- Manu Verbinnen became a director. NBB
- New establishment in Holsbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 13,066 profit in 2022 to € 11,086 profit in 2025.
Paid € 25,707 in corporate taxes since 2022.
Best year ever: 2023, with € 16,989 profit.
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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 IMMO ELMA are Karine Crokaert and Manu Verbinnen. Manu Verbinnen is also behind VERBINNEN.
Directors
According to the 2025 annual accounts
Karine Crokaert
Director
since 2023
since 2023
Establishments
Establishment units
Physical locations of this company
Wijgmaalbroek 18
3018 Leuven
De Vunt 6
3220 Holsbeek
Active since 16 September 2011
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0839.369.011
- VAT number
- BE 0839.369.011
- Registered office
- Wijgmaalbroek 18, 3018 Leuven
- Names & denominations
- IMMO ELMA
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 16 September 2011
- Peppol
- Active · Active since 15 Sept 2025
- Activities · NACE
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