ATHOME CONSULTING is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €36k and a net result of €-372. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 2435 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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
31 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
90 d late
2019
97 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, micro schema
Equity
€36k▼ 1.0%
2024 · €37k
2018: €18k
2019: €26k
2020: €29k
2021: €24k
2022: €30k
2023: €34k
2024: €37k
2018 → 2025
Net result
€-372
2024 · €2k
2018: €3k
2019: €8k
2020: €9k
2021: €10k
2022: €6k
2023: €5k
2024: €2k
2018 → 2025
Total assets
€38k▼ 5.2%
2024 · €40k
2018: €23k
2019: €33k
2020: €55k
2021: €44k
2022: €38k
2023: €38k
2024: €40k
2018 → 2025
Solvency
95.8%▲ 4.1pp
2024 · 91.7%
2018: 79.8%
2019: 78.9%
2020: 51.8%
2021: 55.9%
2022: 76.6%
2023: 90.4%
2024: 91.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€30k▲ 20.8%€34k▲ 16.3%€37k▲ 7.0%€36k▼ 1.0%
Operating result€14k-€8k▼ 39.6%€7k▼ 11.9%€4k▼ 49.5%€-302
Net result€10k-€6k▼ 41.8%€5k▼ 18.1%€2k▼ 50.2%€-372
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €302 after €4k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €38k
Fixed assets
€26k=
Current assets
€12k▼ 15.2%
Equity and liabilities €38k
Equity
€36k▼ 1.0%
Debt
€2k▼ 52.1%
The debt ratio falls from 8.3% to 4.2%. Equity and debt are lower.
Key figures and ratios
Solvency
95.8%▲
2024 · 91.7%
ROE
-1.0%▼
2024 · 6.5%
ROA
-1.0%▼
2024 · 6.0%
Debt
€2k▼
2024 · €3k
Debt ≤ 1 year
€2k▼
2024 · €3k
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€40k€38k▼
Fixed assets21/28€26k€26k=
Tangible fixed assets22/27€26k€26k=
Land and buildings22€26k€26k=
Current assets29/58€14k€12k▼
Stocks and contracts in progress3€2k€2k=
Stocks30/36€2k€2k=
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€2k€1k▼
Other amounts receivable41€267€526▲
Cash at bank and in hand54/58€9k€8k▼
Deferred charges and accrued income490/1€128€289▲
Equity and liabilities
Total equity and liabilities10/49€40k€38k▼
Equity10/15€37k€36k▼
Contributions10/11€6k€6k=
Reserves13€31k€30k▼
Distributable reserves133€31k€30k▼
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€1k-
Taxes450/3€1k-
Other amounts payable47/48€220€220=
Income statement
Code20242025
Other operating charges640/8€282€184▼
Non-recurring operating charges66A€0-
Gross operating margin9900€4k€-118▼
Operating profit (loss)9901€4k€-302▼
Financial charges65/66B€64€70▲
Recurring financial charges65€64€70▲
Profit (loss) for the period before taxes9903€4k€-372▼
Income taxes67/77€1k-
Profit (loss) for the period9904€2k€-372▼
Profit (loss) for the period to be appropriated9905€2k€-372▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-372▼
Transfer from equity791/2-€372
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (3 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 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-372 ▼115%
Net result drops to €-372, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 3.22
Current ratio from 1.36 to 3.22; short-term debt falls from €9k to €4k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €10k ▲16.1%
Operating result €14k, net result €10k, both a record.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Louvière · 1 establishment unit since 2013
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.
Rue des Couvreux(H-G) 387110 La LouvièreGround area
490 m²
Building footprint
111 m²
Volume, LiDAR
680 m³
Parcel 55020B0206/00M000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Couvreux(H-G) 38, 7110 La Louvière
since 20132.218.159.178
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55020B0206/00M000 | Wallonia | 490 m² | 1 · 111 m² | 8.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500374EBD7D95BS52
Similar companies · same sector, comparable size
EXECOZ
BE 0746.592.370
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BREESCH EXPERTISES
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BUREAUX D'EXPERTISES - ETUDES - GESTIONS & SERVICES
BE 0843.819.826
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TEXTRAIL
BE 1009.896.494
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KEURINGSFIRMA
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Of 853 companies in sector 66210 we hold annual accounts for 511. 375 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2013
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.