CAP'HOUSES
ActiveSummary
CAP'HOUSES has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €86k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 9194 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+32
Solvency33▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.77 against 0.79 in 2024; short-term debt: 72.3% and cash: 47.3% of total assets), and 92.1% 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
7.9%
Return on assets
1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €86k
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
6 d early
2023
29 d early
2022
19 d early
2021
11 d late
2020
18 d late
2019
7 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€86k▲ 14.3%
2024 · €75k
2018: €48k
2019: €28k
2020: €12k
2021: €5k
2022: €-14k
2023: €74k
2024: €75k
2018 → 2025
Total assets
€1.10M▲ 24.9%
2024 · €878k
2018: €287k
2019: €272k
2020: €249k
2021: €231k
2022: €228k
2023: €307k
2024: €878k
2018 → 2025
Net result
€11k▲ 569%
2024 · €2k
2018: €18k
2019: €-20k
2020: €-16k
2021: €-7k
2022: €-19k
2023: €87k
2024: €2k
2018 → 2025
Working capital
€-184k▼ 53.1%
2024 · €-120k
2018: €-137k
2019: €-144k
2020: €-148k
2021: €-143k
2022: €-164k
2023: €60k
2024: €-120k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€-14k€74k€75k▲ 2.2%€86k▲ 14.3%
Operating result€-1k-€-14k▼ 932%€101k€9k▼ 90.9%€24k▲ 165%
Net result€-7k-€-19k▼ 192%€87k€2k▼ 98.2%€11k▲ 569%
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 recovers in 2025; 2025 is 165% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€488k ▲ 14.4%
Current assets
€609k ▲ 34.8%
Equity and liabilities €1.10M
Equity
€86k ▲ 14.3%
Debt
€1.01M ▲ 25.9%
Debt's share of the balance-sheet total rises from 91.4% to 92.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€76k▲
2024 · €19k
Cash flow
€63k▲
2024 · €11k
Current ratio
0.77▼
2024 · 0.79
Debt to equity
11.73▲
2024 · 10.65
ROE
12.5%▲
2024 · 2.1%
ROA
1.0%▲
2024 · 0.2%
Interest coverage
6.00▲
2024 · 2.25
Debt ≤ 1 year
€793k▲
2024 · €572k
Debt > 1 year
€218k▼
2024 · €231k
Income taxes
€969
Staff costs
€228k▲
2024 · €158k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€878k€1.10M▲
Fixed assets21/28€427k€488k▲
Tangible fixed assets22/27€427k€488k▲
Land and buildings22€414k€446k▲
Furniture and vehicles24€12k€42k▲
Current assets29/58€452k€609k▲
Amounts receivable within one year40/41€122k€90k▼
Trade receivables40€89k€48k▼
Other amounts receivable41€33k€41k▲
Cash at bank and in hand54/58€329k€519k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€878k€1.10M▲
Equity10/15€75k€86k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€69k€80k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€67k€78k▲
Amounts payable17/49€803k€1.01M▲
Amounts payable after more than one year17€231k€218k▼
Financial debts170/4€231k€218k▼
Amounts payable within one year42/48€572k€793k▲
Current portion of amounts payable after more than one year42€27k€37k▲
Trade debts44€65k€64k▼
Suppliers440/4€65k€64k▼
Advances received on contracts in progress46€412k€642k▲
Taxes, remuneration and social security45€66k€51k▼
Taxes450/3€47k€30k▼
Remuneration and social security454/9€20k€21k▲
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€158k€228k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€52k▲
Other operating charges640/8€2k€960▼
Gross operating margin9900€179k€305k▲
Operating profit (loss)9901€9k€24k▲
Financial income75/76B€800-
Recurring financial income75€800-
Financial charges65/66B€8k€13k▲
Recurring financial charges65€8k€13k▲
Profit (loss) for the period before taxes9903€2k€12k▲
Income taxes67/77-€969
Profit (loss) for the period9904€2k€11k▲
Profit (loss) for the period to be appropriated9905€2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€11k▲
Transfer to equity691/2€2k€11k▲
To other reserves6921€2k€11k▲
The notes to these accounts (5 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €87k
Net result €87k after 4 loss-making years.
31-12
Financial
Liquidity times 30current ratio 1.33
Current ratio from 0.04 to 1.33.
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-20k ▼212%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jodoigne · 2 establishment units since 2010
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.
Chaussée de Charleroi(Jod.) 3711370 JodoigneGround area
2,430 m²
Building footprint
218 m²
Volume, LiDAR
1,610 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Cap'Houses
since 20102.185.967.650
Cap'Houses
since 20232.341.138.352
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25772H0049/00A002 | Wallonia | 1,316 m² | 1 · 112 m² | 11.0 m · 3 fl. |
| 25049C0338/00D000 | Wallonia | 1,114 m² | 1 · 107 m² | 8.4 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.
Similar companies · same sector, comparable size
Jacobs-Reekmans
BE 0832.869.516
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Ninove · Eq €86,201
IACI
BE 0737.844.455
Ham-sur-Heure-Nalinnes · Eq €86,039
BATIMO INVEST
BE 0676.597.962
Thuin · Eq €85,950
KRINIDI
BE 0801.170.807
Schelle · Eq €86,392
Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,624 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68310Real estate agency activities
68322Real estate appraisal on a fee or contract basis
68321Property management for co-owned buildings (syndics)
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.