CTB HOME
ActiveSummary
CTB HOME has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €44k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 40% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+31
Solvency42▼-3
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 3.31 in 2024; short-term debt: 80.5% and cash: 4.4% of total assets), and 82.6% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
8.2%
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 12-06-2026, 49 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
49 d early
2024
25 d late
2023
26 d late
2022
23 d late
2021
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 81.7%
2024 · €52k
2021: €40k
2022: €99k
2023: €46k
2024: €52k
2021 → 2025
Total assets
€539k▲ 108%
2024 · €259k
2021: €356k
2022: €476k
2023: €329k
2024: €259k
2021 → 2025
Net result
€44k▲ 662%
2024 · €6k
2021: €10k
2022: €60k
2023: €-53k
2024: €6k
2021 → 2025
Working capital
€103k▼ 42.3%
2024 · €179k
2021: €264k
2022: €374k
2023: €245k
2024: €179k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€99k▲ 149%€46k▼ 53.8%€52k▲ 12.5%€94k▲ 81.7%
Operating result€17k-€74k▲ 321%€-33k€25k€69k▲ 172%
Net result€10k-€60k▲ 503%€-53k€6k€44k▲ 662%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 172% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €539k
Fixed assets
€2k ▼ 33.8%
Current assets
€538k ▲ 110%
Equity and liabilities €539k
Equity
€94k ▲ 81.7%
Debt
€445k ▲ 115%
Debt's share of the balance-sheet total rises from 80.0% to 82.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€71k▲
2024 · €28k
Cash flow
€45k▲
2024 · €8k
Current ratio
1.24▼
2024 · 3.31
Quick ratio
1.01▲
2024 · 0.89
Debt to equity
4.73▲
2024 · 4.01
ROE
46.7%▲
2024 · 11.1%
ROA
8.2%▲
2024 · 2.2%
Interest coverage
4.34▲
2024 · 1.44
Debt ≤ 1 year
€434k▲
2024 · €78k
Income taxes
€9k▲
2024 · €486
Staff costs
€6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€259k€539k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€971€73▼
Financial fixed assets28-€500
Current assets29/58€256k€538k▲
Stocks and contracts in progress3€187k€101k▼
Stocks30/36€187k€101k▼
Amounts receivable within one year40/41€25k€404k▲
Trade receivables40€25k€400k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€34k€24k▼
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€259k€539k▲
Equity10/15€52k€94k▲
Contributions10/11€30k€30k=
Reserves13€16k€16k=
Distributable reserves133€16k€16k=
Profit (loss) carried forward14€6k€48k▲
Amounts payable17/49€208k€445k▲
Amounts payable after more than one year17€130k-
Financial debts170/4€130k-
Amounts payable within one year42/48€78k€434k▲
Current portion of amounts payable after more than one year42€14k€180k▲
Trade debts44€4k€196k▲
Suppliers440/4€4k€196k▲
Taxes, remuneration and social security45€486€10k▲
Taxes450/3€486€9k▲
Remuneration and social security454/9-€618
Other amounts payable47/48€59k€49k▼
Accrued charges and deferred income492/3-€11k
Income statement
Code20242025
Remuneration, social security and pensions62-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€29k€78k▲
Operating profit (loss)9901€25k€69k▲
Financial income75/76B€44€61▲
Recurring financial income75€44€61▲
Financial charges65/66B€19k€16k▼
Recurring financial charges65€19k€16k▼
Profit (loss) for the period before taxes9903€6k€53k▲
Income taxes67/77€486€9k▲
Profit (loss) for the period9904€6k€44k▲
Profit (loss) for the period to be appropriated9905€6k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€50k▲
Profit (loss) brought forward from the previous period14P-€6k
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (9 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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Weakest financial yearnet €-53k ▼190%
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
31-12
Financial
Highest result since 2021net €60k ▲503%
Operating result €74k, net result €60k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Jemeppe-sur-Sambre · 1 establishment unit since 2020
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 Soye,Spy 155190 Jemeppe-sur-SambreGround area
151 m²
Building footprint
204 m²
Volume, LiDAR
1,058 m³
Parcel 92119D0445/00B000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CTB HOME
since 20202.309.589.992
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92119D0445/00B000 | Wallonia | 151 m² | 1 · 203 m² | 7.4 m · 2 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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PHOENIX INVEST
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HKO INVESTMENT
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Of 7,320 companies in sector 68110 we hold annual accounts for 5,381. 3,673 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
42219Civil engineering
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:ctbhomesrl@gmail.com