C U Home
ActiveSummary
C U Home has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €12k. Equity is shrinking by ~25.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 33% of 14128 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability55▼-13
Solvency35▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 2.56 in 2024; short-term debt: 17.4% and cash: 7% of total assets), but 89.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers 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
Real estate activities (NACE 68)
about 43% fewer 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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 18-11-2025, 18 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
9 d early
2023
6 d early
2022
28 d early
2021
9 d late
2020
40 d early
2019
14 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close25-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▼ 7.0%
2024 · €69k
2019: €146k
2020: €156k▲ +7.0% vs 2019highest in 7 years
2021: €134k▼ -14.0% vs 2020
2022: €60k▼ -55.0% vs 2021lowest in 7 years
2023: €66k▲ +8.9% vs 2022
2024: €69k▲ +5.2% vs 2023
2025: €64k▼ -7.0% vs 2024
2019 → 2025
Total assets
€624k▲ 12.9%
2024 · €552k
2019: €461klowest in 7 years
2020: €527k▲ +14.4% vs 2019
2021: €614k▲ +16.3% vs 2020
2022: €600k▼ -2.3% vs 2021
2023: €581k▼ -3.1% vs 2022
2024: €552k▼ -4.9% vs 2023
2025: €624k▲ +12.9% vs 2024highest in 7 years
2019 → 2025
Net result
€12k▼ 40.7%
2024 · €20k
2019: €17k
2020: €10k▼ -39.0% vs 2019
2021: €-22k▼ -316% vs 2020lowest in 7 years
2022: €23k▲ +204% vs 2021highest in 7 years
2023: €17k▼ -22.7% vs 2022
2024: €20k▲ +14.0% vs 2023
2025: €12k▼ -40.7% vs 2024
2019 → 2025
Working capital
€131k▼ 10.4%
2024 · €146k
2019: €98k
2020: €193k▲ +96.3% vs 2019highest in 7 years
2021: €163k▼ -15.8% vs 2020
2022: €87k▼ -46.3% vs 2021lowest in 7 years
2023: €144k▲ +65.2% vs 2022
2024: €146k▲ +0.9% vs 2023
2025: €131k▼ -10.4% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€134k-€60k▼ 55.0%€66k▲ 8.9%€69k▲ 5.2%€64k▼ 7.0%
2021: €134khighest in 5 years
2022: €60k▼ -55.0% vs 2021lowest in 5 years
2023: €66k▲ +8.9% vs 2022
2024: €69k▲ +5.2% vs 2023
2025: €64k▼ -7.0% vs 2024
Operating result€-15k-€33k€37k▲ 11.7%€40k▲ 8.5%€29k▼ 27.3%
2021: €-15klowest in 5 years
2022: €33k▲ +329% vs 2021
2023: €37k▲ +11.7% vs 2022
2024: €40k▲ +8.5% vs 2023highest in 5 years
2025: €29k▼ -27.3% vs 2024
Net result€-22k-€23k€17k▼ 22.7%€20k▲ 14.0%€12k▼ 40.7%
2021: €-22klowest in 5 years
2022: €23k▲ +204% vs 2021highest in 5 years
2023: €17k▼ -22.7% vs 2022
2024: €20k▲ +14.0% vs 2023
2025: €12k▼ -40.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €624k
Fixed assets
€385k ▲ 22.6%
Current assets
€239k ▲ 0.1%
Equity and liabilities €624k
Equity
€64k ▼ 7.0%
Debt
€559k ▲ 15.7%
Debt's share of the balance-sheet total rises from 87.5% to 89.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€59k▼
2024 · €68k
Cash flow
€42k▼
2024 · €47k
Current ratio
2.20▼
2024 · 2.56
Debt to equity
8.70▲
2024 · 7.00
ROE
18.4%▼
2024 · 28.9%
ROA
1.9%▼
2024 · 3.6%
Interest coverage
4.10▼
2024 · 5.31
Debt ≤ 1 year
€108k▲
2024 · €93k
Debt > 1 year
€451k▲
2024 · €390k
Income taxes
€7k▼
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€552k€624k▲
Fixed assets21/28€314k€385k▲
Tangible fixed assets22/27€313k€384k▲
Land and buildings22€313k€383k▲
Plant, machinery and equipment23€495€1k▲
Financial fixed assets28€350€350=
Current assets29/58€239k€239k▲
Amounts receivable within one year40/41€149k€101k▼
Trade receivables40€56k€5k▼
Other amounts receivable41€93k€96k▲
Current investments50/53€13k€94k▲
Cash at bank and in hand54/58€76k€44k▼
Equity and liabilities
Total equity and liabilities10/49€552k€624k▲
Equity10/15€69k€64k▼
Contributions10/11€2k€2k=
Reserves13€67k€62k▼
Distributable reserves133€67k€62k▼
Amounts payable17/49€483k€559k▲
Amounts payable after more than one year17€390k€451k▲
Financial debts170/4€390k€451k▲
Amounts payable within one year42/48€93k€108k▲
Current portion of amounts payable after more than one year42€30k€39k▲
Trade debts44€12k€16k▲
Suppliers440/4€12k€16k▲
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€15k€14k▼
Other amounts payable47/48€35k€40k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€30k▲
Other operating charges640/8€4k€10k▲
Gross operating margin9900€71k€69k▼
Operating profit (loss)9901€40k€29k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€13k€15k▲
Recurring financial charges65€13k€15k▲
Profit (loss) for the period before taxes9903€31k€19k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€20k€12k▼
Profit (loss) for the period to be appropriated9905€20k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€12k▼
Transfer from equity791/2€17k€17k▲
Transfer to equity691/2€20k€12k▼
To other reserves6921€20k€12k▼
Profit to be distributed694/7€17k€17k▲
Return on contributions (dividend)694€17k€17k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €62k | €43k | €43k | €28k | €30k | ▲ 9.3% |
| Other operating charges640/8 | - | €6k | €3k | €4k | €10k | ▲ 172% |
| Gross operating margin9900 | €52k | €82k | €83k | €71k | €69k | ▼ 3.2% |
| Operating profit (loss)9901 | €-15k | €33k | €37k | €40k | €29k | ▼ 27.3% |
| Financial income75/76B | - | €3k | €3k | €3k | €4k | ▲ 20.4% |
| Recurring financial income75 | €3k | €3k | €3k | €3k | €4k | ▲ 20.4% |
| Financial charges65/66B | - | €12k | €13k | €13k | €15k | ▲ 13.6% |
| Recurring financial charges65 | €10k | €12k | €13k | €13k | €15k | ▲ 13.6% |
| Profit (loss) for the period before taxes9903 | €-22k | €24k | €27k | €31k | €19k | ▼ 39.5% |
| Income taxes67/77 | €302 | €2k | €10k | €11k | €7k | ▼ 37.2% |
| Profit (loss) for the period9904 | €-22k | €23k | €17k | €20k | €12k | ▼ 40.7% |
| Profit (loss) for the period to be appropriated9905 | €-22k | €23k | €17k | €20k | €12k | ▼ 40.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €614k | €600k | €581k | €552k | €624k | ▲ 12.9% |
| Fixed assets21/28 | €407k | €377k | €341k | €314k | €385k | ▲ 22.6% |
| Tangible fixed assets22/27 | €407k | €376k | €341k | €313k | €384k | ▲ 22.7% |
| Land and buildings22 | - | €360k | €340k | €313k | €383k | ▲ 22.5% |
| Plant, machinery and equipment23 | - | €1k | €765 | €495 | €1k | ▲ 143% |
| Furniture and vehicles24 | - | €15k | - | - | - | - |
| Financial fixed assets28 | - | €350 | €350 | €350 | €350 | = |
| Current assets29/58 | €206k | €223k | €240k | €239k | €239k | ▲ 0.1% |
| Amounts receivable within one year40/41 | €110k | €117k | €137k | €149k | €101k | ▼ 32.4% |
| Trade receivables40 | - | €28k | €46k | €56k | €5k | ▼ 91.5% |
| Other amounts receivable41 | - | €88k | €91k | €93k | €96k | ▲ 3.0% |
| Current investments50/53 | €2k | €8k | €13k | €13k | €94k | ▲ 599% |
| Cash at bank and in hand54/58 | €84k | €98k | €90k | €76k | €44k | ▼ 42.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €614k | €600k | €581k | €552k | €624k | ▲ 12.9% |
| Equity10/15 | €134k | €60k | €66k | €69k | €64k | ▼ 7.0% |
| Contributions10/11 | - | €2k | €2k | €2k | €2k | = |
| Reserves13 | €148k | €58k | €63k | €67k | €62k | ▼ 7.2% |
| Distributable reserves133 | - | €58k | €63k | €67k | €62k | ▼ 7.2% |
| Profit (loss) carried forward14 | €-20k | - | - | - | - | - |
| Amounts payable17/49 | €480k | €540k | €515k | €483k | €559k | ▲ 15.7% |
| Amounts payable after more than one year17 | €436k | €404k | €420k | €390k | €451k | ▲ 15.6% |
| Financial debts170/4 | - | €404k | €420k | €390k | €451k | ▲ 15.6% |
| Amounts payable within one year42/48 | €44k | €136k | €96k | €93k | €108k | ▲ 16.4% |
| Current portion of amounts payable after more than one year42 | - | €32k | €42k | €30k | €39k | ▲ 27.7% |
| Trade debts44 | €13k | €24k | €8k | €12k | €16k | ▲ 25.2% |
| Suppliers440/4 | - | €24k | €8k | €12k | €16k | ▲ 25.2% |
| Taxes, remuneration and social security45 | - | €7k | €14k | €15k | €14k | ▼ 7.1% |
| Taxes450/3 | - | €7k | €14k | €15k | €14k | ▼ 7.1% |
| Other amounts payable47/48 | - | €72k | €31k | €35k | €40k | ▲ 13.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-22k | €23k | €17k | €20k | €12k | ▼ 40.7% |
| + Depreciation and write-downs630 | €62k | €43k | €43k | €28k | €30k | ▲ 9.3% |
| Operating cash flow (approximation) | €40k | €65k | €60k | €47k | €42k | ▼ 11.7% |
| Investment in fixed assets (approximation) | - | €-12k | €-7k | €0 | €-101k | - |
| Change in cash | - | €14k | €-9k | €-14k | €-32k | ▼ 133% |
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
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
25-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2021
09-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
31-03
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Equity above €150kEq €156k ▲7%
2 profitable years in a row build equity to €156k.
2019
14-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2018
20-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2017
04-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 34 days late
2016
25-10
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Boechout · 1 establishment unit since 2012
Ground area
384 m²
Building footprint
116 m²
Volume, LiDAR
792 m³
Parcel 11004A0258/00N000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
C U Home
since 20122.212.993.434
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004A0258/00N000 | Flanders | 384 m² | 1 · 116 m² | 11.0 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2022 · 1 entry · 69 EUR awarded · 69 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 69 EUR | 69 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,905. 5,026 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
Founded03-07-2012
Fiscal year end31-03
Activities, NACEBEL 2025
68310Real estate agency activities
43990Other specialised construction activities
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.