BMD-HABITATS
ActiveBMD-HABITATS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €375k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 91% of 13908 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 5.7 against 3.96 in 2024), and 10.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
89.4%
Return on assets
-0.3%
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 28-08-2026, 28 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
28 d late
2024
28 d late
2023
29 d late
2022
30 d late
2021
31 d late
2020
27 d late
2019
122 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€55k
EBIT margin
14.7%
Net result
€-1k▲ 19.2%
2024 · €-2k
2018: €13k
2019: €-17k
2020: €-10k
2021: €-24k
2022: €-14k
2023: €34k
2024: €-2k
2018 → 2025
Working capital
€70k▲ 0.4%
2024 · €70k
2018: €89k
2019: €-78k
2020: €-68k
2021: €-107k
2022: €-109k
2023: €-76k
2024: €70k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€358k-€344k▼ 3.9%€377k▲ 9.8%€376k▼ 0.4%€375k▼ 0.3%
Operating result€-16k-€-12k▲ 21.0%€50k€9k▼ 82.4%€3k▼ 70.9%
Net result€-24k-€-14k▲ 41.1%€34k€-2k€-1k▲ 19.2%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €419k
Fixed assets
€334k▼ 4.1%
Current assets
€85k▼ 9.0%
Equity and liabilities €419k
Equity
€375k▼ 0.3%
Debt
€45k▼ 32.6%
The debt ratio falls from 15.0% to 10.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€27k▼
2024 · €33k
Cash flow
€23k▲
2024 · €22k
Solvency
89.4%▲
2024 · 85.0%
Current ratio
5.70▲
2024 · 3.96
Quick ratio
5.70▲
2024 · 3.96
Debt / equity
0.12▼
2024 · 0.18
ROE
-0.3%▲
2024 · -0.4%
ROA
-0.3%▲
2024 · -0.3%
Interest coverage
4.84▲
2024 · 3.50
Debt
€45k▼
2024 · €66k
Debt ≤ 1 year
€15k▼
2024 · €24k
Debt > 1 year
€30k▼
2024 · €42k
Income taxes
€208▼
2024 · €924
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€442k€419k▼
Fixed assets21/28€348k€334k▼
Tangible fixed assets22/27€348k€334k▼
Land and buildings22€320k€317k▼
Plant, machinery and equipment23€3k€729▼
Furniture and vehicles24€25k€16k▼
Current assets29/58€94k€85k▼
Amounts receivable within one year40/41€17k€84k▲
Trade receivables40€16k€16k▼
Other amounts receivable41€1k€68k▲
Cash at bank and in hand54/58€77k€1k▼
Equity and liabilities
Total equity and liabilities10/49€442k€419k▼
Equity10/15€376k€375k▼
Contributions10/11€378k€378k=
Reserves13€945€945=
Distributable reserves133€945€945=
Profit (loss) carried forward14€-3k€-4k▼
Amounts payable17/49€66k€45k▼
Amounts payable after more than one year17€42k€30k▼
Financial debts170/4€42k€30k▼
Amounts payable within one year42/48€24k€15k▼
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€10k€1k▼
Taxes450/3€10k€1k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€37k€30k▼
Operating profit (loss)9901€9k€3k▼
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€-586€-1k▼
Income taxes67/77€924€208▼
Profit (loss) for the period9904€-2k€-1k▲
Profit (loss) for the period to be appropriated9905€-2k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-4k▼
Profit (loss) brought forward from the previous period14P€-991€-3k▼
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Liquidity times 14current ratio 3.96
Current ratio from 0.28 to 3.96; short-term debt falls from €106k to €24k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after 4 loss-making years.
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
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 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, Sambreville · 1 establishment unit since 2007
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 du Palton(ARS) 305060 SambrevilleGround area
1,008 m²
Building footprint
109 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
BMD-Habitats
since 20072.162.838.197
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52025E0021/00B002 | Wallonia | 641 m² | 1 · 109 m² | - |
| 92005C0312/00T002 | Wallonia | 367 m² | - | - |
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.
Similar companies · same sector, comparable size
FLECH'EURO
BE 0475.961.281
Verviers · Eq €375k
DIJKMAN MANAGEMENT SERVICES
BE 0479.934.422
Lochristi · Eq €375k
B.O.S. MANAGEMENT & SERVICES
BE 0890.525.128
Braine-l'Alleud · Eq €375k
VIAS
BE 0433.953.452
Gavere · Eq €374k
IMMO LECLERCQ
BE 0880.145.237
Tournai · Eq €374k
Of 11,708 companies in sector 68310 we hold annual accounts for 6,875. 4,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-05-2007
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
68322Real estate appraisal on a fee or contract basis
70312
70321
81100Combined facilities support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.