Cedhabitat
ActiveCedhabitat is younger than twelve months; there is no public track record yet to compute a bankruptcy probability from. The 2025 annual accounts show equity of €30k and a net result of €27k. Its solvency ranks better than 13% of 7744 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes
Profitability82
Solvency37
Growth-
Track record50
Credit verdict
Credit up to €1k at 30 days only on tighter terms
Liquidity tight (current ratio 1.11; short-term debt: 81.3% and cash: 6.8% of total assets), and 88.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7744 sector peers (2025).
NBB · sector comparisonPosition among 7744 sector peers
Solvency
better than 13%
← weakest
strongest →
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 1 filingDeviation from the deadline
2025
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€30k
Total assets
€253k
Net result
€27k
Working capital
€23k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €253k
Fixed assets
€25k
Current assets
€228k
Equity and liabilities €253k
Equity
€30k
Debt
€223k
Debt finances 88.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€35k
Cash flow
€28k
Solvency
11.8%
Current ratio
1.11
Quick ratio
1.11
Debt / equity
7.46
ROE
90.0%
ROA
10.6%
Interest coverage
564.93
Debt
€223k
Debt ≤ 1 year
€206k
Debt > 1 year
€18k
Income taxes
€7k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€253k
Fixed assets21/28€25k
Tangible fixed assets22/27€24k
Furniture and vehicles24€24k
Financial fixed assets28€1k
Current assets29/58€228k
Amounts receivable within one year40/41€211k
Trade receivables40€204k
Other amounts receivable41€7k
Cash at bank and in hand54/58€17k
Equity and liabilities
Total equity and liabilities10/49€253k
Equity10/15€30k
Contributions10/11€3k
Capital10€3k
Issued capital100€3k
Profit (loss) carried forward14€27k
Amounts payable17/49€223k
Amounts payable after more than one year17€18k
Financial debts170/4€18k
Amounts payable within one year42/48€206k
Trade debts44€148k
Suppliers440/4€148k
Taxes, remuneration and social security45€7k
Taxes450/3€7k
Other amounts payable47/48€51k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€770
Other operating charges640/8€437
Gross operating margin9900€35k
Operating profit (loss)9901€34k
Financial charges65/66B€61
Recurring financial charges65€61
Profit (loss) for the period before taxes9903€34k
Income taxes67/77€7k
Profit (loss) for the period9904€27k
Profit (loss) for the period to be appropriated9905€27k
Appropriation of the result
Profit (loss) to be appropriated9906€27k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 30 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Ohey · 1 establishment unit since 2025
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 Lilot 675351 OheyGround area
4,111 m²
Building footprint
97 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
CEDHABITAT
since 20252.380.854.706
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92059C0062/00C002 | Wallonia | 3,698 m² | - | - |
| 92003H0650/00Z000 | Wallonia | 413 m² | 1 · 97 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.
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Of 4,267 companies in sector 43230 we hold annual accounts for 1,240. 952 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2025
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
41001General construction of residential buildings
43310Plastering work
43331Floor and wall tiling
43410Roofing work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:cedhabitat.belgium@gmail.com
Phone:+32472997654