CLS HABITAT

Active

Private limited companyfounded 20251 yr activeLange Eikstraat 46, 1970 Wezembeek-Oppem, BelgiumKBO/BCE: BE 1019.877.103

CLS HABITAT has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €42k. Its solvency ranks better than 73% of 2176 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Watch Print / PDF

Checked score

Score 2025

81 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency86

Growth-

Track record67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.38; short-term debt: 38.9% and cash: 38.9% of total assets), and 38.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

61.1%

Return on assets

57.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 1 filing

Deviation from the deadline

2025

1 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€45k

Total assets

€74k

Net result

€42k

Working capital

€39k

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Balance-sheet composition

Assets €71k

95.6%

Fixed assets €3k

Current assets €68k

Equity and liabilities €74k

61.1%

38.9%

Equity €45k

Debt €29k

Debt finances 38.9% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€54k

Cash flow

€43k

Solvency

61.1%

Current ratio

2.38

Quick ratio

2.38

Debt / equity

0.64

ROE

93.3%

ROA

57.1%

Interest coverage

174.78

Debt

€29k

Debt ≤ 1 year

€29k

Income taxes

€11k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€74k

Formation expenses20€2k

Fixed assets21/28€3k

Tangible fixed assets22/27€3k

Plant, machinery and equipment23€3k

Current assets29/58€68k

Amounts receivable within one year40/41€39k

Trade receivables40€35k

Other amounts receivable41€4k

Cash at bank and in hand54/58€29k

Equity and liabilities

Total equity and liabilities10/49€74k

Equity10/15€45k

Contributions10/11€3k

Capital10€3k

Issued capital100€3k

Profit (loss) carried forward14€42k

Amounts payable17/49€29k

Amounts payable within one year42/48€29k

Trade debts44€15k

Suppliers440/4€15k

Taxes, remuneration and social security45€11k

Taxes450/3€11k

Other amounts payable47/48€3k

Income statement Code2025

Non-recurring operating income76A€2k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k

Gross operating margin9900€54k

Operating profit (loss)9901€53k

Financial charges65/66B€310

Recurring financial charges65€310

Profit (loss) for the period before taxes9903€53k

Income taxes67/77€11k

Profit (loss) for the period9904€42k

Profit (loss) for the period to be appropriated9905€42k

Appropriation of the result

Profit (loss) to be appropriated9906€42k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 1Filings 1

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

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, Wezembeek-Oppem · 1 establishment unit since 2025

establishment The establishment unit on the map

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.

Lange Eikstraat 461970 Wezembeek-Oppem

Ground area

1,794 m²

Building footprint

367 m²

Volume, LiDAR

2,867 m³

2 parcels, Flanders, Wallonia · tallest building 14.8 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

CLS HABITAT

Route de Philippeville(Tar) 38, 5651 WalcourtGeneral construction of residential buildings

since 20252.369.943.986

2 parcels

Flanders 1 (50%) Wallonia 1 (50%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
93076D0297/00E008	Wallonia	1,274 m²	1 · 42 m²	-
22006A0114/00P000	Flanders	520 m²	1 · 325 m²	14.8 m · 3 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

Heusden-Zolder · Eq €45k

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 13,002 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded11-02-2025

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43350Other building finishing work

43990Other specialised construction activities

46130Agents in the wholesale of timber and building materials

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.