Charpente Habitat
ActiveCharpente Habitat has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €155k and a net result of €46k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 2162 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+45
Solvency42▲+12
Growth67▲+44
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.21 in 2024; short-term debt: 23.1% and cash: 15.3% of total assets), and 82.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
17.4%
Return on assets
5.2%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
34 d early
2023
16 d early
2022
22 d late
2021
18 d early
2020
2 d late
2019
30 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.10M▲ 18.0%
2024 · €933k
2023: €1.02M
2024: €933k
2023 → 2025
EBIT margin
5.4%▲ 8.6pp
2024 · -3.2%
2023: 3.1%
2024: -3.2%
2023 → 2025
Net result
€46k
2024 · €-48k
2018: €-24k
2019: €3k
2020: €6k
2021: €7k
2022: €19k
2023: €11k
2024: €-48k
2018 → 2025
Working capital
€-35k▲ 79.7%
2024 · €-172k
2018: €41k
2019: €32k
2020: €20k
2021: €10k
2022: €-73k
2023: €-46k
2024: €-172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.02M€933k▼ 8.6%€1.10M▲ 18.0%
Equity€60k-€79k▲ 31.7%€90k▲ 14.0%€42k▼ 53.6%€155k▲ 270%
Operating result€8k-€22k▲ 173%€31k▲ 42.8%€-30k€59k
Net result€7k-€19k▲ 178%€11k▼ 42.0%€-48k€46k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €59k after a loss of €30k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €891k
Fixed assets
€720k▼ 6.6%
Current assets
€171k▲ 272%
Equity and liabilities €891k
Equity
€155k▲ 270%
Debt
€736k▼ 5.1%
The debt ratio falls from 94.9% to 82.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €15k
Cash flow
€97k▲
2024 · €-4k
Solvency
17.4%▲
2024 · 5.1%
Current ratio
0.83▲
2024 · 0.21
Quick ratio
0.83▲
2024 · 0.21
Debt / equity
4.75▼
2024 · 18.56
ROE
30.0%▲
2024 · -115.6%
ROA
5.2%▲
2024 · -5.9%
Interest coverage
5.25▲
2024 · 0.86
Debt
€736k▼
2024 · €775k
Debt ≤ 1 year
€206k▼
2024 · €218k
Debt > 1 year
€500k▼
2024 · €557k
Staff costs
€301k▲
2024 · €290k
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€817k€891k▲
Fixed assets21/28€771k€720k▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€764k€715k▼
Land and buildings22€600k€581k▼
Plant, machinery and equipment23€144k€123k▼
Furniture and vehicles24€19k€11k▼
Financial fixed assets28€2k€0▼
Current assets29/58€46k€171k▲
Amounts receivable within one year40/41€14k€35k▲
Trade receivables40€14k€34k▲
Other amounts receivable41€416€559▲
Cash at bank and in hand54/58€23k€136k▲
Deferred charges and accrued income490/1€9k-
Equity and liabilities
Total equity and liabilities10/49€817k€891k▲
Equity10/15€42k€155k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Profit (loss) carried forward14€34k€80k▲
Investment grants15-€67k
Amounts payable17/49€775k€736k▼
Amounts payable after more than one year17€557k€500k▼
Financial debts170/4€557k€500k▼
Amounts payable within one year42/48€218k€206k▼
Current portion of amounts payable after more than one year42€62k€58k▼
Trade debts44€59k€26k▼
Suppliers440/4€59k€26k▼
Taxes, remuneration and social security45€455€36k▲
Taxes450/3€455€19k▲
Remuneration and social security454/9-€17k
Other amounts payable47/48€97k€86k▼
Accrued charges and deferred income492/3-€31k
Income statement
Code20242025
Turnover70€933k€1.10M▲
Goods, raw materials, services and sundry goods60/61€693k€728k▲
Remuneration, social security and pensions62€290k€301k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€50k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€311k€416k▲
Operating profit (loss)9901€-30k€59k▲
Financial income75/76B€218€8k▲
Recurring financial income75€218€8k▲
Financial charges65/66B€17k€21k▲
Recurring financial charges65€17k€21k▲
Profit (loss) for the period before taxes9903€-47k€46k▲
Income taxes67/77€1k-
Profit (loss) for the period9904€-48k€46k▲
Profit (loss) for the period to be appropriated9905€-48k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€80k▲
Profit (loss) brought forward from the previous period14P€82k€34k▼
Social balance
Average headcount (FTE)90878.27.8▼
The notes to these accounts (20 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-12
Financial
Equity above €150kEq €155k ▲270%
Equity rises from €42k to €155k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-48k ▼538%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 62 days late
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, La Louvière · 1 establishment unit since 2002
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 de la Poterie Monseu(PIE) 327100 La LouvièreGround area
176 m²
Building footprint
42 m²
Volume, LiDAR
143 m³
Parcel 56033A0154/00D000, Wallonia · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CHARPENTE HABITAT
since 20022.099.033.775
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0154/00D000 | Wallonia | 176 m² | 1 · 42 m² | 6.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ERITIN
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 12,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2002
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.