b.HOUSE Constructions
ActiveSummary
b.HOUSE Constructions has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,927 and a net result of -€6,043. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 7598 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability27▼-73
Solvency77▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity ample (current ratio 1.86 against 1.33 in 2024; short-term debt: 47.5% and cash: 76.7% of total assets), and 47.5% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
52.5%
Return on assets
-6.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
148 d early
2023
88 d early
2022
3 d early
2021
71 d early
2020
25 d early
2019
36 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 56 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 21 May (4 of the last 5 filed years within 68 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€49,927▼ 10.8%
2024 · €55,970
Total assets
€95,142▼ 44.9%
2024 · €172,521
Net result
-€6,043
2024 · €54,919
Working capital
€39,058▲ 0.8%
2024 · €38,754
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€27,362▼ 232%€13,990€36,771▲ 163%€69,252▲ 88.3%-€5,600
Net result-€28,076below the sector's middle half▼ 228%€13,191within the sector's middle half€29,931above the sector's middle half▲ 127%€54,919above the sector's middle half▲ 83.5%-€6,043below the sector's middle half
Equity-€42,071below the sector's middle half▼ 201%-€28,880below the sector's middle half▲ 31.4%€1,051below the sector's middle half€55,970within the sector's middle half▲ 5,225%€49,927within the sector's middle half▼ 10.8%
Total assets€34,052below the sector's middle half▼ 52.3%€84,106within the sector's middle half▲ 147%€147,313within the sector's middle half▲ 75.2%€172,521within the sector's middle half▲ 17.1%€95,142within the sector's middle half▼ 44.9%
Debt€76,123▼ 10.8%€112,986▲ 48.4%€146,262▲ 29.5%€116,551▼ 20.3%€45,215▼ 61.2%
Working capital-€50,954below the sector's middle half▼ 63.5%-€36,605below the sector's middle half▲ 28.2%-€14,891below the sector's middle half▲ 59.3%€38,754within the sector's middle half€39,058within the sector's middle half▲ 0.8%
Solvency-123.5%below the sector's middle half▼ 103.9pp-34.3%below the sector's middle half▲ 89.2pp0.7%below the sector's middle half▲ 35.1pp32.4%within the sector's middle half▲ 31.7pp52.5%within the sector's middle half▲ 20.0pp
Current ratio0.21below the sector's middle half▼ 0.340.65below the sector's middle half▲ 0.440.90below the sector's middle half▲ 0.241.33within the sector's middle half▲ 0.441.86within the sector's middle half▲ 0.53
Return on assets (ROA)-82.5%below the sector's middle half▼ 70.5pp15.7%within the sector's middle half▲ 98.1pp20.3%above the sector's middle half▲ 4.6pp31.8%above the sector's middle half▲ 11.5pp-6.4%below the sector's middle half▼ 38.2pp
Staff (FTE)11=1=1=
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
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 €5,600 after €69,252 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95,142
Fixed assets
€10,869 ▼ 36.9%
Current assets
€84,273 ▼ 45.7%
Equity and liabilities €95,142
Equity
€49,927 ▼ 10.8%
Debt
€45,215 ▼ 61.2%
Debt's share of the balance-sheet total falls from 67.6% to 47.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€747▼
2024 · €75,599
Cash flow
€304▼
2024 · €61,266
Debt to equity
0.91▼
2024 · 2.08
ROE
-12.1%▼
2024 · 98.1%
Interest coverage
1.97▼
2024 · 378.00
Debt ≤ 1 year
€45,215▼
2024 · €116,551
Income taxes
€150▼
2024 · €14,172
Staff costs
€298▼
2024 · €2,004
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.0% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,910 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €1,781 | €4,513 | €1,733 | €2,004 | €298 | ▼ 85.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,422 | €5,385 | €6,121 | €6,347 | €6,347 | = |
| Other operating charges640/8 | €4,648 | €577 | €1,458 | €1,401 | €1,283 | ▼ 8.4% |
| Gross operating margin9900 | -€8,511 | €24,465 | €46,083 | €79,004 | €2,328 | ▼ 97.1% |
| Operating profit (loss)9901 | -€27,362 | €13,990 | €36,771 | €69,252 | -€5,600 | ▼ 108% |
| Financial income75/76B | €1 | - | €0 | €39 | €86 | ▲ 121% |
| Recurring financial income75 | €1 | - | €0 | €39 | €86 | ▲ 121% |
| Financial charges65/66B | €374 | €434 | €235 | €200 | €379 | ▲ 89.5% |
| Recurring financial charges65 | €374 | €434 | €235 | €200 | €379 | ▲ 89.5% |
| Profit (loss) for the period before taxes9903 | -€27,735 | €13,556 | €36,536 | €69,091 | -€5,893 | ▼ 109% |
| Income taxes67/77 | €341 | €365 | €6,605 | €14,172 | €150 | ▼ 98.9% |
| Profit (loss) for the period9904 | -€28,076 | €13,191 | €29,931 | €54,919 | -€6,043 | ▼ 111% |
| Profit (loss) for the period to be appropriated9905 | -€28,076 | €13,191 | €29,931 | €54,919 | -€6,043 | ▼ 111% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €34,052 | €84,106 | €147,313 | €172,521 | €95,142 | ▼ 44.9% |
| Fixed assets21/28 | €20,649 | €15,264 | €19,198 | €17,216 | €10,869 | ▼ 36.9% |
| Tangible fixed assets22/27 | €17,704 | €12,319 | €16,253 | €14,271 | €7,924 | ▼ 44.5% |
| Plant, machinery and equipment23 | €1,855 | €927 | €638 | €419 | €200 | ▼ 52.3% |
| Furniture and vehicles24 | €15,466 | €11,200 | €12,556 | €11,133 | €5,345 | ▼ 52.0% |
| Other tangible fixed assets26 | €383 | €192 | €3,059 | €2,719 | €2,379 | ▼ 12.5% |
| Financial fixed assets28 | €2,945 | €2,945 | €2,945 | €2,945 | €2,945 | = |
| Current assets29/58 | €13,403 | €68,842 | €128,115 | €155,305 | €84,273 | ▼ 45.7% |
| Stocks and contracts in progress3 | - | - | €17,570 | €34,217 | - | - |
| Contracts in progress37 | - | - | €17,570 | €34,217 | - | - |
| Amounts receivable within one year40/41 | €2,578 | - | €18,768 | €33,397 | €9,854 | ▼ 70.5% |
| Trade receivables40 | €2,578 | - | €16,268 | €33,397 | - | - |
| Other amounts receivable41 | - | - | €2,500 | - | €9,854 | - |
| Cash at bank and in hand54/58 | €10,223 | €66,667 | €89,205 | €85,394 | €72,932 | ▼ 14.6% |
| Deferred charges and accrued income490/1 | €602 | €2,175 | €2,572 | €2,297 | €1,487 | ▼ 35.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €34,052 | €84,106 | €147,313 | €172,521 | €95,142 | ▼ 44.9% |
| Equity10/15 | -€42,071 | -€28,880 | €1,051 | €55,970 | €49,927 | ▼ 10.8% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | - | - | - | €45,000 | €40,000 | ▼ 11.1% |
| Distributable reserves133 | - | - | - | €45,000 | €40,000 | ▼ 11.1% |
| Profit (loss) carried forward14 | -€48,271 | -€35,080 | -€5,149 | €4,770 | €3,727 | ▼ 21.9% |
| Amounts payable17/49 | €76,123 | €112,986 | €146,262 | €116,551 | €45,215 | ▼ 61.2% |
| Amounts payable after more than one year17 | €11,754 | €7,539 | €3,256 | - | - | - |
| Financial debts170/4 | €11,754 | €7,539 | €3,256 | - | - | - |
| Amounts payable within one year42/48 | €64,357 | €105,447 | €143,006 | €116,551 | €45,215 | ▼ 61.2% |
| Current portion of amounts payable after more than one year42 | €4,149 | €4,215 | €4,282 | €3,244 | €3,366 | ▲ 3.8% |
| Trade debts44 | €4,132 | €620 | - | €2,742 | €1,412 | ▼ 48.5% |
| Suppliers440/4 | €4,132 | €620 | - | €2,742 | €1,412 | ▼ 48.5% |
| Advances received on contracts in progress46 | - | - | €40,000 | €15,000 | - | - |
| Taxes, remuneration and social security45 | €6,025 | €28,820 | €44,139 | €45,782 | €11,653 | ▼ 74.5% |
| Taxes450/3 | €5,884 | €28,820 | €43,335 | €45,782 | €11,653 | ▼ 74.5% |
| Remuneration and social security454/9 | €141 | - | €804 | - | - | - |
| Other amounts payable47/48 | €50,051 | €71,792 | €54,585 | €49,783 | €28,784 | ▼ 42.2% |
| Accrued charges and deferred income492/3 | €12 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€28,076 | €13,191 | €29,931 | €54,919 | -€6,043 | ▼ 111% |
| + Depreciation and write-downs630 | €12,422 | €5,385 | €6,121 | €6,347 | €6,347 | = |
| Operating cash flow (approximation) | -€15,654 | €18,576 | €36,052 | €61,266 | €304 | ▼ 99.5% |
| Investment in fixed assets (approximation) | - | €0 | -€10,055 | -€4,365 | €0 | ▲ 100% |
| Change in cash | - | €56,444 | €22,538 | -€3,811 | -€12,462 | ▼ 227% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €13,191
Net result €13,191 after 2 loss-making years.
21-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet -€28,076
Net result drops to -€28,076, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €58,530
Net result €58,530 after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Waremme · 1 establishment unit since 2012
Ground area
1,937 m²
Building footprint
152 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
b.House Constructions
since 20122.210.471.137
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64035A0148/00H000 | Wallonia | 1,044 m² | - | - |
| 64040B0359/00R000 | Wallonia | 892 m² | 1 · 152 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
6 categoriesb.HOUSE Constructions SRL42026
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 13,097 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded02-04-2012
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
68310Real estate agency activities
E-invoicing
Reachable via Peppol
Peppol ID
0208:0844934831
Also
9925:BE0844934831
Registered
19-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.