Equity
€188.4m ▼ 5.9%
CENTR'HABITAT has made a profit without a break since 2015.
CENTR'HABITAT
Lifetime
18 annual accounts with figures on one time axis, 49 filings since 1977Turnoverpeak €29.4m (2025)
€29.4m▲ 3.8%
Resultlowest -€1.7m (2010)
€3.0m▼ 6.0%
Equitypeak €200.3m (2024)
€188.4m▼ 5.9%
Debts
€164.8m▲ 7.7%
Staffpeak 96 FTE (2010)
78.6 FTE▲ 1.4%
Board92 names since 2004all names
20 directorsDechenne Olivier de Orbais and 19 others
Documentsfilings and deeds
07-07-202624 days before the deadline
2025financial year
Appointment: Joiris,Rousseaux & C° SRL (statutory auditor) 18-0818 directors appointed, 17 resignations 29-072 directors appointed 29-07Investments €39.8m
Key points
from the 2025 annual accountsInvestments
€42.3m 5.1 × depreciation
Green is investment, beige is depreciation.
Staff
81 employees on 31-12-2025
In 2025, 20 people joined and 20 left. On top of that, 0.1 agency workers worked there on average.
Filings
49 annual accounts since 1977
The last five annual accounts were filed 11 to 33 days before the end of the period.
Position in the sector
€3.0m
Higher net result than 95% of companies in real estate. Sector median €20,578 · 5,804 companies.
Public contracts
24 awards
Public contracts awarded. To 17 suppliers, 2023 to 2026.
Checked score
96
Excellent
Financially stronger than 69% of medium-sized companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 1,720 companies (NACE 68, medium-sized).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025highest value
08-2025: < 0.1%▼ -0.1 percentage points vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Size: turnover €29.4m, 78.6 FTE, total assets €370.9m
Founded in 1921
Liquidity: current ratio 3.23, cash €32.9m
Equity €188.4m (50.8% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, medium-sized). It does better than 71% of them on solvency, 90% on liquidity, 72% on profitability and 42% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,887 companies had the same profile as CENTR'HABITAT has now. Each dot stands for 5 companies, two years later.
97.9%
were still trading
2.0%
stopped another way
0.1%
went bankrupt
That fits the bankruptcy probability of CENTR'HABITAT itself: < 0.1% 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 1,887 companies, not a prediction for CENTR'HABITAT. 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.
Credit verdict
Credit of up to €2,900,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.23 (4.85 in 2024), above the usual 1.5. Short-term debt is 6% and cash 8.9% of total assets. 49.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 days early
2024
30 days early
2023
33 days early
2022
11 days early
2021
18 days early
2020
16 days early
2019
25 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 7 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
JR
Joiris - Rousseaux, Réviseurs d'entreprises associés
Auditor
- Pêtre founderdeed of 18-12-2023
- Ribaucourt founderdeed of 18-12-2023
Recent changes
1 director appointed, 2 resignations
Appointment: Fabienne Capot · Resignations: Fabienne Capot and Smolderen · General meeting of 19-06-2026 · Gazette deed
1 statutory auditor appointed
Joiris - Rousseaux, Réviseurs d'entreprises associés (statutory auditor) · Permanent representatives: Bernard Rousseaux and Pierre-Olivier ELSEN · General meeting of 20-06-2025 · Gazette deed
Appointment: Joiris,Rousseaux & C° SRL (statutory auditor)
General meeting of 20-06-2025 · Gazette deed
18 directors appointed, 17 resignations
Resignations: ANCIAUX Laurence, AICIK Ali, CASTILLO Nancy, DENTAMARO Pino-Philippe, DI PINTO Angelo, HERMANT Antoine and 11 others · Appointments: LEROY Pascal, OLIVIERO Sılvia, POZZONI Bruno, LEHEUT Emérence, SAUVENIERE Unal, GOBERT jacques and 12 others · General meeting of 20-06-2025 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Turnover | EBIT margin | Solvency | Staff |
|---|---|---|---|---|
| CENTR'HABITAT La Louvière | €29.4m | 6.9% | 50.8% | 78.6 |
| Toit & moi, immobilière sociale de la région montoise Mons | €25.9m | -11.3% | 15.8% | 106.5 |
| WOONBOOG Turnhout | €38.6m | 5.9% | 7.2% | 65.4 |
| WoonST Temse | €20.7m | -1.6% | 21.5% | 63 |
| LeefGoed Geel | €35.3m | 4.0% | 16.2% | 86.6 |
| VIVENDO Bruges | €44.9m | 3.7% | 19.8% | 75.1 |
| Le Logis Tournaisien Tournai | €10.9m | 2.9% | 60.9% | 61.2 |
Grey: the largest companies of the sector (real estate (NACE 68)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as CENTR'HABITAT: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €145m and €606m, founded between 1921 and 1955.
Official details
Source: KBO- Status
- Active since 01-01-1921Normal situation
- Activity
- Development of residential building projectsNACE 68121and 1 other
- Joint committee
- 339.02Approved social housing companies · annual accounts 2025
- Establishment unit
- 2.228.282.3177100 La Louvière, since 01-01-1921
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- Total assets
- €370.9m▼ 0.2%
- Employeeson 31-12-2025
- 81=
- Filing
- Filed on 07-07-2026, 24 days before the end of the filing period
Insights on CENTR'HABITAT
CENTR'HABITAT has existed since 1921. Turnover grew from €15.6m in 2008 to €29.4m in 2025.
Turnover has grown every year since 2014.
In June 2024, 13 directors stepped down.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CENTR'HABITAT
- What is the company number of CENTR'HABITAT?
- The company number of CENTR'HABITAT is 0401.763.211. The VAT number is the same number with BE in front: BE 0401.763.211.
- Where is CENTR'HABITAT based?
- The registered office is at Rue Edouard Anseele (L.L) 48, 7100 La Louvière.Company details
- What does CENTR'HABITAT do?
- According to the KBO register, the main activity is development of residential building projects (NACE 68121).
- What is the legal form of CENTR'HABITAT?
- CENTR'HABITAT is a private limited company (BV).
- When was CENTR'HABITAT founded?
- CENTR'HABITAT was founded on 01-01-1921.
- Is CENTR'HABITAT still active?
- Yes, CENTR'HABITAT is an active enterprise in the KBO register.
- How many employees does CENTR'HABITAT have?
- CENTR'HABITAT had an average of 78.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CENTR'HABITAT fall under?
- In its 2025 annual accounts, CENTR'HABITAT states joint committee 339.02 (Approved social housing companies).
- What is the turnover of CENTR'HABITAT?
- The turnover of CENTR'HABITAT was €29.4m in financial year 2025, according to the filed annual accounts.
- Is CENTR'HABITAT profitable?
- In financial year 2025, CENTR'HABITAT made a profit of €3.0m.
- Where can I find the annual accounts of CENTR'HABITAT?
- CENTR'HABITAT filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CENTR'HABITAT due?
- CENTR'HABITAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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