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Accès Habitat

Active
Private limited companyfounded 2018active for 8 yearsRue Constant Dozo,ZE,Pont. 5, 5380 Fernelmont, BelgiumKBO/BCE: BE 0687.849.170

From the official registers: KBO 8 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

The annual accounts of Accès Habitat for financial year 2025 show a net loss of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €158,160 and a net result of -€354,638. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 19% of 11,235 sector peers (NACE 68, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.3% (low).

Overview

Official details

KBO
Status
Active since 11-01-2018 Normal situation
Activity
Development of non-residential building projects NACE 68122and 1 other
Establishment unit
2.271.706.049 5380 Fernelmont, since 01-02-2018
Financial year end
31 December
Peppol
Reachable since 23-03-2026

Board and ownership

Board
  • BULL MLDirector · since 12-09-2024 · permanent representative Melvin LECOQ

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.3%
Annual accounts 2025
Gross margin
-€115,231
Loss
€354,638
Equity
€158,160
▼ 69.2%
Total assets
€11.1m
▲ 81.6%
Staff
2.5 FTE
▲ 4.2%
Filed on 31-08-2026, 31 days after the deadlineat the National Bank
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLiquidity: current ratio 1.08, cash €344,557, halvedEquity €158,160 (1.4% of total assets)lowers riskSize: 2.5 FTE, total assets €11.1mSector: Real estate activities (NACE 68)Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 14% of micro companies in real estate (NACE 68)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 26-7
equity 1.4% of total assets
Liquidity 9-27
short-term debt 81.1% · cash 3.1%
Profitability 15-62
return on assets -3.2%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024 02-2025: 0.4%▲ +0.1 percentage points vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.1%▼ -0.3 percentage points vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.3%▲ +0.2 percentage points vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.4%▲ +0.1 percentage points vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.8%▲ +0.3 percentage points vs 07-2026 09-2026: 1.3%▲ +0.5 percentage points vs 08-2026highest value 10-2026: 1.3%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.08 (1.56 in 2024), below the usual 1.5. Short-term debt is 81.1% and cash 3.1% of total assets. 98.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 21% of them on solvency, 10% on liquidity, 17% on profitability and 9% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Liquidity: current ratio 1.08, cash €344,557, halved
NBB · annual accounts
lowers risk · Size: 2.5 FTE, total assets €11.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Real estate activities (NACE 68)
KBO
raises risk · Equity €158,160 (1.4% of total assets)
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 11235 sector peers (2025).
NBB · sector comparison
Position among 11235 sector peers
Solvency
better than 19%
← weakest strongest →
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 8 filings
Deviation from the deadline
2025
31 days late
2024
125 days early
2023
28 days late
2022
55 days early
2021
26 days early
2020
31 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (4 of the last 5 accounts filed within 57 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €420,351 in 2024 -€354,638 View
  • Caution: Lower net result than 95% of companies in real estatesector median €10,020 · 11,226 companies -€354,638 View

Comparable companies

These companies have the same main activity as Accès Habitat: development of non-residential building projects (NACE 68122). They are comparable in size and age: total assets between €2.8m and €13m, founded between 2011 and 2018.

CompanyTotal assetsGross margin
Accès Habitat Fernelmont€11.1m-€0.1m
COHOUSING PROJECTS Gent€2.8m-€0.1m
AUBANGE CONCEPT Andenne€6.0m-€0.003m
SINGERBIRD GROUP Wemmel€12.9m-€0.002m
CLUB BRUGGE DEVELOPMENT Knokke-Heist€8.4m-€0.01m
BOUWKANTOOR GUIDO DEDEYNE Waregem€4.1m-€0.05m
StorMen Aalst€6.1m-€0.02m
Full comparison

Documents

Annual accounts at the NBB

All 8 annual accounts

Acts in the Belgian Official Gazette

All publications in the Belgian Official Gazette

Articles and registers

Key facts about Accès Habitat

What is the company number of Accès Habitat?
The company number of Accès Habitat is 0687.849.170. The VAT number is the same number with BE in front: BE 0687.849.170.
Where is Accès Habitat based?
The registered office is at Rue Constant Dozo,ZE,Pont. 5, 5380 Fernelmont.Company details
What does Accès Habitat do?
According to the KBO register, the main activity is development of non-residential building projects (NACE 68122).
What is the legal form of Accès Habitat?
The legal form of Accès Habitat is Private limited company (BV).
When was Accès Habitat founded?
Accès Habitat was founded on 11-01-2018.
Is Accès Habitat still active?
Yes, Accès Habitat is an active enterprise in the KBO register.
How many employees does Accès Habitat have?
Accès Habitat had an average of 2.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Accès Habitat?
The annual accounts for financial year 2025 state no turnover.
Is Accès Habitat profitable?
In financial year 2025, Accès Habitat made a loss of €354,638.
Where can I find the annual accounts of Accès Habitat?
Accès Habitat filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Accès Habitat due?
Accès Habitat must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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