BIO-HOME
ActiveBIO-HOME has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 53% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+52
Solvency65▲+6
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.61 against 1.39 in 2024; short-term debt: 59.3% and cash: 11.6% of total assets), but 59.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
40.3%
Return on assets
1.2%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
56 d early
2023
56 d early
2022
90 d early
2021
89 d early
2020
88 d early
2019
93 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€96k▲ 2.9%
2024 · €93k
2018: €124k
2019: €125k
2020: €133k
2021: €151k
2022: €151k
2023: €132k
2024: €93k
2018 → 2025
Total assets
€238k▼ 12.8%
2024 · €273k
2018: €463k
2019: €438k
2020: €421k
2021: €406k
2022: €380k
2023: €423k
2024: €273k
2018 → 2025
Net result
€3k
2024 · €-39k
2018: €10k
2019: €383
2020: €8k
2021: €18k
2022: €569
2023: €-19k
2024: €-39k
2018 → 2025
Working capital
€86k▲ 26.4%
2024 · €68k
2018: €37k
2019: €37k
2020: €74k
2021: €71k
2022: €89k
2023: €100k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€151k-€151k▲ 0.4%€132k▼ 12.7%€93k▼ 29.5%€96k▲ 2.9%
Operating result€18k-€2k▼ 85.8%€-15k€-34k▼ 127%€5k
Net result€18k-€569▼ 96.9%€-19k€-39k▼ 102%€3k
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 returns to profit in 2025: €5k after a loss of €34k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €238k
Fixed assets
€11k▼ 61.7%
Current assets
€227k▼ 6.8%
Equity and liabilities €238k
Equity
€96k▲ 2.9%
Debt
€142k▼ 20.9%
The debt ratio falls from 65.9% to 59.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▲
2024 · €-16k
Cash flow
€18k▲
2024 · €-21k
Solvency
40.3%▲
2024 · 34.1%
Current ratio
1.61▲
2024 · 1.39
Quick ratio
0.45▲
2024 · 0.30
Debt / equity
1.48▼
2024 · 1.93
ROE
2.9%▲
2024 · -41.8%
ROA
1.2%▲
2024 · -14.3%
Interest coverage
3.97▲
2024 · -2.12
Debt
€142k▼
2024 · €180k
Debt ≤ 1 year
€141k▼
2024 · €175k
Debt > 1 year
€971▼
2024 · €4k
Staff costs
€105k▼
2024 · €194k
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€273k€238k▼
Fixed assets21/28€30k€11k▼
Tangible fixed assets22/27€29k€11k▼
Plant, machinery and equipment23€22k€11k▼
Furniture and vehicles24€7k-
Financial fixed assets28€250€250=
Current assets29/58€243k€227k▼
Stocks and contracts in progress3€191k€163k▼
Stocks30/36€191k€163k▼
Amounts receivable within one year40/41€7k€27k▲
Trade receivables40€2k€19k▲
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€45k€28k▼
Deferred charges and accrued income490/1-€8k
Equity and liabilities
Total equity and liabilities10/49€273k€238k▼
Equity10/15€93k€96k▲
Contributions10/11€21k€21k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€70k€73k▲
Amounts payable17/49€180k€142k▼
Amounts payable after more than one year17€4k€971▼
Financial debts170/4€4k€971▼
Amounts payable within one year42/48€175k€141k▼
Current portion of amounts payable after more than one year42€11k€3k▼
Financial debts43€25k€25k=
Credit institutions430/8€25k€25k=
Trade debts44€9k€9k▼
Suppliers440/4€9k€9k▼
Advances received on contracts in progress46€900€952▲
Taxes, remuneration and social security45€60k€33k▼
Taxes450/3€22k€20k▼
Remuneration and social security454/9€38k€14k▼
Other amounts payable47/48€70k€70k=
Income statement
Code20242025
Non-recurring operating income76A-€19k
Remuneration, social security and pensions62€194k€105k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€15k▼
Other operating charges640/8€1k€852▼
Gross operating margin9900€179k€125k▼
Operating profit (loss)9901€-34k€5k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€8k€5k▼
Recurring financial charges65€8k€5k▼
Profit (loss) for the period before taxes9903€-39k€3k▲
Profit (loss) for the period9904€-39k€3k▲
Profit (loss) for the period to be appropriated9905€-39k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€70k€73k▲
Profit (loss) brought forward from the previous period14P€109k€70k▼
Social balance
Average headcount (FTE)90873.21.6▼
The notes to these accounts (11 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-39k
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18k ▲128%
Operating result €18k, net result €18k, both a record.
31-12
Financial
Equity above €150kEq €151k ▲13.7%
4 profitable years in a row build equity to €151k.
04-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Westerlo · 2 establishment units since 1990
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.
Zone Kamp C 122260 WesterloGround area
3,879 m²
Building footprint
3,344 m²
Volume, LiDAR
45,702 m³
2 parcels, Flanders · tallest building 29.3 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Biohome
since 19902.050.206.252
BIO-HOME BIO-HUIS
since 19962.050.206.153
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062A0050/00M000 | Flanders | 3,155 m² | 1 · 2,654 m² | 29.3 m · 5 fl. |
| 13039B0030/00L000 | Flanders | 724 m² | 1 · 690 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 10,524 companies in sector 47110 we hold annual accounts for 5,860. 4,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-11-1990
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47551Retail sale of household furniture
47591Retail trade
52441
43230Insulation installation
43291Specialised construction activities
43350Other building finishing work
46900Non-specialised wholesale trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
51900
52421
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:016 23 71 24