COVER HOME
ActiveCOVER HOME has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-3k) and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Negative equity caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+38
Solvency21▲+11
Growth58=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.32 against 0.84 in 2024; short-term debt: 72.5% and cash: 44.3% of total assets), and equity is negative.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-3.5%
Return on assets
7.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 27711 sector peers (2025).
NBB · sector comparisonPosition among 27711 sector peers
Solvency
better than 9%
← weakest
strongest →
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 16-06-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
57 d late
2023
57 d late
2022
102 d late
2021
106 d late
2020
107 d late
2019
28 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€6k▲ 481%
2024 · €1k
2018: €-5k
2019: €767
2020: €-441
2021: €-2k
2022: €-14k
2023: €3k
2024: €1k
2018 → 2025
Working capital
€19k
2024 · €-12k
2018: €-14k
2019: €-5k
2020: €-13k
2021: €-8k
2022: €-15k
2023: €-13k
2024: €-12k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€-13k€-10k▲ 20.6%€-9k▲ 10.6%€-3k▲ 68.7%
Operating result€-503-€-12k▼ 2,275%€4k€3k▼ 11.6%€10k▲ 184%
Net result€-2k-€-14k▼ 569%€3k€1k▼ 59.2%€6k▲ 481%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 184% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €81k
Fixed assets
€4k▲ 43.4%
Current assets
€77k▲ 27.6%
Key figures and ratios
EBITDA
€11k▲
2024 · €4k
Cash flow
€7k▲
2024 · €2k
Solvency
-3.5%▲
2024 · -14.5%
Current ratio
1.32▲
2024 · 0.84
Quick ratio
1.32▲
2024 · 0.84
Debt / equity
-29.22▼
2024 · -7.88
ROA
7.8%▲
2024 · 1.7%
Interest coverage
8.34▲
2024 · 2.31
Debt
€83k▲
2024 · €72k
Debt ≤ 1 year
€58k▼
2024 · €72k
Income taxes
€2k▲
2024 · €600
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€63k€81k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€1k€2k▲
Financial fixed assets28€1k€1k=
Current assets29/58€60k€77k▲
Amounts receivable within one year40/41€46k€41k▼
Trade receivables40€42k€41k▼
Other amounts receivable41€4k-
Cash at bank and in hand54/58€14k€36k▲
Deferred charges and accrued income490/1€759€560▼
Equity and liabilities
Total equity and liabilities10/49€63k€81k▲
Equity10/15€-9k€-3k▲
Contributions10/11€6k€6k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-26k€-19k▲
Amounts payable17/49€72k€83k▲
Amounts payable within one year42/48€72k€58k▼
Trade debts44€38k€10k▼
Suppliers440/4€38k€10k▼
Taxes, remuneration and social security45€600€6k▲
Taxes450/3€600€6k▲
Other amounts payable47/48€33k€42k▲
Accrued charges and deferred income492/3-€25k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€709€871▲
Other operating charges640/8€5k€621▼
Gross operating margin9900€9k€11k▲
Operating profit (loss)9901€3k€10k▲
Financial income75/76B€10€94▲
Recurring financial income75€10€94▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€2k€9k▲
Income taxes67/77€600€2k▲
Profit (loss) for the period9904€1k€6k▲
Profit (loss) for the period to be appropriated9905€1k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-19k▲
Profit (loss) brought forward from the previous period14P€-27k€-26k▲
The notes to these accounts (8 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
16-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €6k ▲481%
Operating result €10k, net result €6k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 102 days late
2022
31-12
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
14-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 106 days late
2021
15-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 107 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 28 days late
2019
31-12
Financial
Back to profitnet €767
Net result €767 after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Wezembeek-Oppem · 1 establishment unit since 1991
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.
Jan Baptist De Keyzerstraat 1481970 Wezembeek-OppemGround area
310 m²
Building footprint
76 m²
Volume, LiDAR
805 m³
Parcel 22006B0167/00G000, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
COVER HOME BVBA
since 19912.053.558.096
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22006B0167/00G000 | Flanders | 310 m² | 1 · 75 m² | 14.7 m · 4 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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PRO TILES
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IMMO TRAVAUX & ASSOCIES
BE 0795.472.848
Genappe · Eq €1k
Van Huyck
BE 0743.562.111
Bonheiden · Eq €1k
BATICARRE
BE 0884.368.893
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Of 3,963 companies in sector 43331 we hold annual accounts for 1,791. 225 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-05-1991
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.