AF - HOME INTERIOR
ActiveAF - HOME INTERIOR has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €371k and a net result of €2k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 43% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-26
Solvency65▼-8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 2.36 in 2024; short-term debt: 33.2% and cash: 1.1% of total assets), and 59.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
40.5%
Return on assets
0.2%
Age of the figures
9 mo
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
87 d late
2019
90 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€371k▼ 15.4%
2024 · €438k
2018: €238k
2019: €308k
2020: €237k
2021: €252k
2022: €293k
2023: €430k
2024: €438k
2018 → 2025
Total assets
€916k▲ 0.4%
2024 · €912k
2018: €419k
2019: €492k
2020: €440k
2021: €327k
2022: €364k
2023: €617k
2024: €912k
2018 → 2025
Net result
€2k▼ 98.9%
2024 · €189k
2018: €103k
2019: €70k
2020: €-70k
2021: €15k
2022: €41k
2023: €136k
2024: €189k
2018 → 2025
Working capital
€105k▼ 61.5%
2024 · €274k
2018: €217k
2019: €290k
2020: €222k
2021: €255k
2022: €290k
2023: €307k
2024: €274k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€252k-€293k▲ 16.3%€430k▲ 46.5%€438k▲ 2.0%€371k▼ 15.4%
Operating result€6k-€33k▲ 411%€179k▲ 446%€250k▲ 39.7%€10k▼ 96.0%
Net result€15k-€41k▲ 175%€136k▲ 232%€189k▲ 38.2%€2k▼ 98.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 96% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €916k
Fixed assets
€507k▲ 15.9%
Current assets
€410k▼ 13.9%
Equity and liabilities €916k
Equity
€371k▼ 15.4%
Provisions
€526
Debt
€545k▲ 14.9%
The debt ratio rises from 52.0% to 59.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€87k▼
2024 · €299k
Cash flow
€79k▼
2024 · €237k
Solvency
40.5%▼
2024 · 48.0%
Current ratio
1.35▼
2024 · 2.36
Quick ratio
1.35▼
2024 · 2.36
Debt / equity
1.47▲
2024 · 1.08
ROE
0.6%▼
2024 · 43.1%
ROA
0.2%▼
2024 · 20.7%
Interest coverage
6.19▼
2024 · 32.94
Debt
€545k▲
2024 · €474k
Debt ≤ 1 year
€304k▲
2024 · €202k
Debt > 1 year
€240k▼
2024 · €271k
Income taxes
€0▼
2024 · €61k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€912k€916k▲
Fixed assets21/28€437k€507k▲
Tangible fixed assets22/27€437k€506k▲
Land and buildings22€247k€282k▲
Plant, machinery and equipment23€12k€26k▲
Furniture and vehicles24€89k€111k▲
Leasing and similar rights25€89k€87k▼
Financial fixed assets28€150€150=
Current assets29/58€475k€410k▼
Amounts receivable after more than one year29€140k€128k▼
Other amounts receivable291€140k€128k▼
Amounts receivable within one year40/41€170k€255k▲
Trade receivables40€78k€228k▲
Other amounts receivable41€92k€27k▼
Cash at bank and in hand54/58€147k€10k▼
Deferred charges and accrued income490/1€18k€16k▼
Equity and liabilities
Total equity and liabilities10/49€912k€916k▲
Equity10/15€438k€371k▼
Contributions10/11€6k€6k=
Reserves13€432k€364k▼
Tax-exempt reserves132€63k€65k▲
Distributable reserves133€369k€300k▼
Profit (loss) carried forward14-€0
Provisions and deferred taxes16-€526
Deferred taxes168-€526
Amounts payable17/49€474k€545k▲
Amounts payable after more than one year17€271k€240k▼
Financial debts170/4€271k€240k▼
Amounts payable within one year42/48€202k€304k▲
Current portion of amounts payable after more than one year42€39k€48k▲
Financial debts43€61k€0▼
Credit institutions430/8€61k€0▼
Trade debts44€101k€239k▲
Suppliers440/4€101k€239k▲
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3€1k€400▼
Income statement
Code20242025
Non-recurring operating income76A€15k€3k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€77k▲
Other operating charges640/8€6k€2k▼
Gross operating margin9900€305k€89k▼
Operating profit (loss)9901€250k€10k▼
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Financial charges65/66B€9k€14k▲
Recurring financial charges65€9k€14k▲
Profit (loss) for the period before taxes9903€250k€3k▼
Transfer from deferred taxes780-€99
Transfer to deferred taxes680-€625
Income taxes67/77€61k€0▼
Profit (loss) for the period9904€189k€2k▼
Transfer from tax-exempt reserves789-€298
Transfer to tax-exempt reserves689€63k€2k▼
Profit (loss) for the period to be appropriated9905€125k€544▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€544▼
Profit (loss) brought forward from the previous period14P€-56k€0▲
Transfer from equity791/2€180k€70k▼
Transfer to equity691/2€70k€544▼
To other reserves6921€70k€544▼
Profit to be distributed694/7€180k€70k▼
Return on contributions (dividend)694€180k€70k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Highest result since 2018net €189k ▲38.2%
Operating result €250k, net result €189k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.43
Current ratio from 2.12 to 5.43; short-term debt falls from €199k to €58k.
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Weakest financial yearnet €-70k ▼201%
Net result drops to €-70k, the lowest in the series; recovery starts the following year.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Generaal Lemanstraat 553500 HasseltGround area
462 m²
Building footprint
126 m²
Volume, LiDAR
744 m³
Parcel 71324E0149/00M007, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
AF-HOME INTERIOR
since 20162.258.837.911
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0149/00M007 | Flanders | 462 m² | 1 · 126 m² | 10.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 0 EUR | 500 EUR |
| 2023 | 1 | 500 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Res Interieurarchitecten
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MATRIOCHKA INTERIOR DESIGN
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De Bie
BE 0656.569.739
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HUIS35
BE 0827.547.679
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VERBEKE HAARDEN
BE 0422.661.761
Poperinge · Eq €361k
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 804 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2016
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
71112Activities of interior architects
71113Urban planning and landscape architecture
85599Other education
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.