BIO-HOME
ActiveFinancials · financial year 2025, abbreviated format
Annual accounts 2025 filed on 02-06-2026 PDF all 35 filings
Turnover
≈ €1.1m
Estimated: probably between €820,000 and €1.5m
Total assets
€237,843▼ 12.8%
2024 · €272,692
Net result
€2,741
2024 · -€38,935
Working capital
€85,504▲ 26.4%
2024 · €67,620
Multi-year overview
2018 to 2025, 8 financial yearsOperating result
€4,525
2025
20182025
Net result
€2,741
2025
middle half of the sector
20182025
Equity
€95,864
▲ 2.9%
2025
middle half of the sector
20182025
Total assets
€237,843
▼ 12.8%
2025
lowest quarter of the sector
20182025
Debt
€141,980
▼ 20.9%
2025
20182025
Working capital
€85,504
▲ 26.4%
2025
middle half of the sector
20182025
Solvency
40.3%
▲ 6.2pp
2025
middle half of the sector
20182025
Current ratio
1.61
▲ 0.22
2025
middle half of the sector
20182025
Return on assets (ROA)
1.2%
▲ 15.4pp
2025
middle half of the sector
20182025
Staff (FTE)
1.6
▼ 50.0%
2025
middle half of the sector
20182025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€16,244-€2,772▼ 82.9%€9,509▲ 243%€17,509▲ 84.1%€2,482▼ 85.8%-€14,917-€33,888▼ 127%€4,525
Net result€9,637-€383▼ 96.0%€7,964within the sector's middle half▲ 21×€18,190within the sector's middle half▲ 128%€569within the sector's middle half▼ 96.9%-€19,269below the sector's middle half-€38,935below the sector's middle half▼ 102%€2,741within the sector's middle half
Equity€124,220-€124,604▲ 0.3%€132,568above the sector's middle half▲ 6.4%€150,758above the sector's middle half▲ 13.7%€151,327above the sector's middle half▲ 0.4%€132,058within the sector's middle half▼ 12.7%€93,123below the sector's middle half▼ 29.5%€95,864within the sector's middle half▲ 2.9%
Total assets€463,082-€438,056▼ 5.4%€421,140above the sector's middle half▼ 3.9%€406,121above the sector's middle half▼ 3.6%€379,730above the sector's middle half▼ 6.5%€423,476below the sector's middle half▲ 11.5%€272,692below the sector's middle half▼ 35.6%€237,843below the sector's middle half▼ 12.8%
Debt€338,861-€313,452▼ 7.5%€288,572▼ 7.9%€255,363▼ 11.5%€228,403▼ 10.6%€291,419▲ 27.6%€179,569▼ 38.4%€141,980▼ 20.9%
Working capital€36,593-€36,739▲ 0.4%€73,831within the sector's middle half▲ 101%€70,865within the sector's middle half▼ 4.0%€89,328above the sector's middle half▲ 26.1%€99,644within the sector's middle half▲ 11.5%€67,620within the sector's middle half▼ 32.1%€85,504within the sector's middle half▲ 26.4%
Solvency26.8%-28.4%▲ 1.6pp31.5%within the sector's middle half▲ 3.0pp37.1%within the sector's middle half▲ 5.6pp39.9%within the sector's middle half▲ 2.7pp31.2%within the sector's middle half▼ 8.7pp34.1%within the sector's middle half▲ 3.0pp40.3%within the sector's middle half▲ 6.2pp
Current ratio1.15-1.15=1.34within the sector's middle half▲ 0.191.35within the sector's middle half▲ 0.011.43within the sector's middle half▲ 0.091.36within the sector's middle half▼ 0.071.39within the sector's middle half▲ 0.031.61within the sector's middle half▲ 0.22
Return on assets (ROA)2.1%-0.1%▼ 2.0pp1.9%within the sector's middle half▲ 1.8pp4.5%within the sector's middle half▲ 2.6pp0.1%within the sector's middle half▼ 4.3pp-4.6%below the sector's middle half▼ 4.7pp-14.3%below the sector's middle half▼ 9.7pp1.2%within the sector's middle half▲ 15.4pp
Staff (FTE)2.8-2.9▲ 3.6%3.2above the sector's middle half▲ 10.3%4▲ 25.0%4=3.2within the sector's middle half▼ 20.0%3.2within the sector's middle half=1.6within the sector's middle half▼ 50.0%
above
within
below
The sector band is the middle half of the companies in Retail trade (NACE 47). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a profit of €4,525, after a loss of €33,888 in 2024. It is the highest result since 2021.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €237,843
Fixed assets
€11,331 ▼ 61.7%
Current assets
€226,513 ▼ 6.8%
Equity and liabilities €237,843
Equity
€95,864 ▲ 2.9%
Debt
€141,980 ▼ 20.9%
Debt's share of the balance-sheet total falls from 65.9% to 59.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,692▲
2024 · -€16,174
Cash flow
€17,908▲
2024 · -€21,220
Quick ratio
0.45▲
2024 · 0.30
Debt to equity
1.48▼
2024 · 1.93
ROE
2.9%▲
2024 · -41.8%
Interest coverage
3.97▲
2024 · -2.12
Debt ≤ 1 year
€141,009▼
2024 · €175,466
Debt > 1 year
€971▼
2024 · €4,104
Staff costs
€104,709▼
2024 · €194,441
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Staff
| Item | 31-12-2021 | 31-12-2022 | 31-12-2023 | 31-12-2024 | 31-12-2025 |
|---|---|---|---|---|---|
| Employees at the balance-sheet date | 5 | 5 | 5 | 5 | 2 |
| full-time | 1 | 1 | 1 | 1 | - |
| part-time | 4 | 4 | 4 | 4 | 2 |
| in full-time equivalents | 3.2 | 3.2 | 3.2 | 3.2 | 1 |
| Average over the year, in full-time equivalents | 3.2 | 3.3 | 3.2 | 3.2 | 1.6 |
| On a permanent contract | 5 | 5 | 5 | 5 | 2 |
| Joined | - | 1 | - | - | 3 |
| Left | - | 1 | - | - | 6 |
Source: social balance sheet in the 2021 to 2025 annual accounts
Overdue debts
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Overdue tax debts | - | - | €3,589 | €2,478 | - |
Source: notes to the 2021 to 2025 annual accounts (statement of debts)
Investments
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Tangible fixed assets | €52,000 | - | - | - | - |
| Depreciation and write-downs of the year | €44,327 | €46,782 | €35,970 | €17,714 | €15,167 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2023 · 1 entry · €2,000 awarded · €2,000 paidSchemes
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €16,847 | - | - | - | €19,390 | - |
| Remuneration, social security and pensions62 | - | - | - | €155,366 | €163,963 | €190,754 | €194,441 | €104,709 | ▼ 46.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €54,160 | €60,832 | €43,834 | €44,327 | €46,782 | €35,970 | €17,714 | €15,167 | ▼ 14.4% |
| Other operating charges640/8 | - | - | - | €4,402 | €4,491 | €4,905 | €1,015 | €852 | ▼ 16.1% |
| Gross operating margin9900 | €189,029 | €200,961 | €170,942 | €221,604 | €217,717 | €216,711 | €179,282 | €125,253 | ▼ 30.1% |
| Operating profit (loss)9901 | €16,244 | €2,772 | €9,509 | €17,509 | €2,482 | -€14,917 | -€33,888 | €4,525 | - |
| Financial income75/76B | - | - | - | €5,352 | €3,838 | €2,713 | €2,601 | €3,173 | ▲ 22.0% |
| Recurring financial income75 | €3,179 | €3,908 | €4,814 | €5,352 | €3,838 | €2,713 | €2,601 | €3,173 | ▲ 22.0% |
| Financial charges65/66B | - | - | - | €4,671 | €4,367 | €7,064 | €7,647 | €4,958 | ▼ 35.2% |
| Recurring financial charges65 | €7,085 | €6,297 | €6,358 | €4,671 | €4,367 | €7,064 | €7,647 | €4,958 | ▼ 35.2% |
| Profit (loss) for the period before taxes9903 | €12,338 | €383 | €7,964 | €18,190 | €1,952 | -€19,269 | -€38,935 | €2,741 | - |
| Income taxes67/77 | €2,700 | - | - | - | €1,384 | - | - | - | - |
| Profit (loss) for the period9904 | €9,637 | €383 | €7,964 | €18,190 | €569 | -€19,269 | -€38,935 | €2,741 | - |
| Profit (loss) for the period to be appropriated9905 | €9,637 | €383 | €7,964 | €18,190 | €569 | -€19,269 | -€38,935 | €2,741 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €463,082 | €438,056 | €421,140 | €406,121 | €379,730 | €423,476 | €272,692 | €237,843 | ▼ 12.8% |
| Fixed assets21/28 | €176,112 | €156,947 | €128,991 | €130,073 | €83,291 | €47,321 | €29,607 | €11,331 | ▼ 61.7% |
| Tangible fixed assets22/27 | €175,862 | €156,697 | €128,741 | €129,823 | €83,041 | €47,071 | €29,357 | €11,081 | ▼ 62.3% |
| Land and buildings22 | - | - | - | €30,000 | €12,000 | - | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €67,198 | €49,735 | €32,870 | €21,975 | €11,081 | ▼ 49.6% |
| Furniture and vehicles24 | - | - | - | €32,625 | €21,306 | €14,201 | €7,382 | - | - |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €286,970 | €281,109 | €292,149 | €276,048 | €296,439 | €376,155 | €243,085 | €226,513 | ▼ 6.8% |
| Stocks and contracts in progress3 | €197,187 | €195,258 | €205,061 | €201,862 | €204,684 | €288,572 | €190,892 | €163,192 | ▼ 14.5% |
| Stocks30/36 | - | - | - | €201,862 | €204,684 | €288,572 | €190,892 | €163,192 | ▼ 14.5% |
| Amounts receivable within one year40/41 | €23,570 | €26,214 | €11,636 | €22,173 | €15,682 | €10,664 | €7,465 | €27,452 | ▲ 268% |
| Trade receivables40 | - | - | - | €21,172 | €15,682 | €9,664 | €1,693 | €19,333 | ▲ 11× |
| Other amounts receivable41 | - | - | - | €1,000 | - | €1,000 | €5,772 | €8,119 | ▲ 40.7% |
| Cash at bank and in hand54/58 | €62,909 | €59,637 | €75,451 | €50,948 | €70,461 | €72,459 | €44,728 | €27,529 | ▼ 38.5% |
| Deferred charges and accrued income490/1 | - | - | - | €1,065 | €5,611 | €4,461 | - | €8,339 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €463,082 | €438,056 | €421,140 | €406,121 | €379,730 | €423,476 | €272,692 | €237,843 | ▼ 12.8% |
| Equity10/15 | €124,220 | €124,604 | €132,568 | €150,758 | €151,327 | €132,058 | €93,123 | €95,864 | ▲ 2.9% |
| Contributions10/11 | €21,071 | €21,071 | - | €21,071 | €21,071 | €21,071 | €21,071 | €21,071 | = |
| Reserves13 | €2,107 | €2,107 | €2,107 | €2,107 | €2,107 | €2,107 | €2,107 | €2,107 | = |
| Non-distributable reserves130/1 | - | - | - | €2,107 | €2,107 | €2,107 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2,107 | €2,107 | €2,107 | - | - | - |
| Distributable reserves133 | - | - | - | - | - | - | €2,107 | €2,107 | = |
| Profit (loss) carried forward14 | €101,042 | €101,426 | €109,390 | €127,580 | €128,149 | €108,880 | €69,945 | €72,686 | ▲ 3.9% |
| Amounts payable17/49 | €338,861 | €313,452 | €288,572 | €255,363 | €228,403 | €291,419 | €179,569 | €141,980 | ▼ 20.9% |
| Amounts payable after more than one year17 | €87,568 | €69,083 | €70,254 | €50,180 | €21,292 | €14,907 | €4,104 | €971 | ▼ 76.3% |
| Financial debts170/4 | - | - | - | €50,180 | €21,292 | €14,907 | €4,104 | €971 | ▼ 76.3% |
| Amounts payable within one year42/48 | €250,377 | €244,369 | €218,318 | €205,184 | €207,111 | €276,511 | €175,466 | €141,009 | ▼ 19.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €32,136 | €28,888 | €15,450 | €10,804 | €3,133 | ▼ 71.0% |
| Financial debts43 | - | - | - | - | - | €75,000 | €25,000 | €25,000 | = |
| Credit institutions430/8 | - | - | - | - | - | €75,000 | €25,000 | €25,000 | = |
| Trade debts44 | €3,347 | €15,693 | €19,077 | €28,553 | €16,779 | €20,644 | €9,178 | €8,613 | ▼ 6.2% |
| Suppliers440/4 | - | - | - | €28,553 | €16,779 | €20,644 | €9,178 | €8,613 | ▼ 6.2% |
| Advances received on contracts in progress46 | - | - | - | €11,250 | €13,795 | €27,211 | €900 | €952 | ▲ 5.8% |
| Taxes, remuneration and social security45 | - | - | - | €36,376 | €62,782 | €58,138 | €59,705 | €33,432 | ▼ 44.0% |
| Taxes450/3 | - | - | - | €17,290 | €27,134 | €24,298 | €21,665 | €19,726 | ▼ 9.0% |
| Remuneration and social security454/9 | - | - | - | €19,086 | €35,647 | €33,840 | €38,040 | €13,707 | ▼ 64.0% |
| Other amounts payable47/48 | - | - | - | €96,868 | €84,868 | €80,068 | €69,879 | €69,879 | = |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,637 | €383 | €7,964 | €18,190 | €569 | -€19,269 | -€38,935 | €2,741 | - |
| + Depreciation and write-downs630 | €54,160 | €60,832 | €43,834 | €44,327 | €46,782 | €35,970 | €17,714 | €15,167 | ▼ 14.4% |
| Operating cash flow (approximation) | €63,797 | €61,215 | €51,798 | €62,517 | €47,351 | €16,701 | -€21,220 | €17,908 | - |
| Investment in fixed assets (approximation) | - | -€41,668 | -€15,877 | -€45,409 | €0 | €0 | €0 | €3,110 | - |
| Change in cash | - | -€3,272 | €15,814 | -€24,503 | €19,513 | €1,997 | -€27,731 | -€17,199 | ▲ 38.0% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 17,041 companies had the same profile as BIO-HOME has now. Two years later, 94.4% were still going and 0.5% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
94.4%
was still going
4.9%
stopped otherwise
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BIO-HOME itself: 0.3% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for BIO-HOME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 35 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 02-06-2026 | 2026-00131840 | |
| 31-12-2024 | abbreviated format | 05-06-2025 | 2025-00120641 | |
| 31-12-2023 | abbreviated format | 05-06-2024 | 2024-00110072 | |
| 31-12-2022 | micro format | 02-05-2023 | 2023-00074283 | |
| 31-12-2021 | micro format | 03-05-2022 | 2022-20016617 | |
| 31-12-2020 | micro format | 04-05-2021 | 2021-13300070 | |
| 31-12-2019 | abbreviated format | 29-04-2020 | 2020-10600249 | |
| 31-12-2018 | abbreviated format | 16-04-2019 | 2019-10000528 | |
| 31-12-2017 | abbreviated format | 25-04-2018 | 2018-10600103 | |
| 31-12-2016 | abbreviated format | 24-04-2017 | 2017-09900052 |