De Huismannen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €8k and a net result of €-7k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 12% of 3325 sector peers (fiscal year 2024). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 3325 sector peers (2024).
NBB · sector comparisonPosition among 3325 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-05-2025, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
64 d early
2023
30 d late
2022
59 d late
2021
26 d late
2020
88 d late
2019
89 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€8k▼ 48.1%
2023 · €15k
2018: €1k
2019: €4k
2020: €-166
2021: €9k
2022: €14k
2023: €15k
2018 → 2024
Net result
€-7k
2023 · €208
2018: €20k
2019: €3k
2020: €-5k
2021: €9k
2022: €6k
2023: €208
2018 → 2024
Total assets
€136k▼ 74.6%
2023 · €535k
2018: €298k
2019: €363k
2020: €389k
2021: €414k
2022: €399k
2023: €535k
2018 → 2024
Solvency
5.6%▲ 2.8pp
2023 · 2.7%
2018: 0.5%
2019: 1.2%
2020: 0.0%
2021: 2.1%
2022: 3.6%
2023: 2.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-166-€9k€14k▲ 67.3%€15k▲ 1.4%€8k▼ 48.1%
Operating result€847-€16k▲ 1,824%€18k▲ 7.7%€53k▲ 201%€4k▼ 93.2%
Net result€-5k-€9k€6k▼ 33.9%€208▼ 96.4%€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 93% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €136k
Fixed assets
€40k▼ 29.6%
Current assets
€96k▼ 80.0%
Equity and liabilities €136k
Equity
€8k▼ 48.1%
Debt
€128k▼ 75.3%
The debt ratio falls from 97.3% to 94.4%. Equity and debt are lower.
Key figures and ratios
Solvency
5.6%▲
2023 · 2.7%
ROE
-92.8%▼
2023 · 1.4%
ROA
-5.2%▼
2023 · 0.0%
Debt
€128k▼
2023 · €521k
Debt ≤ 1 year
€49k▼
2023 · €359k
Debt > 1 year
€75k▼
2023 · €158k
Staff costs
€52k▲
2023 · €47k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€535k€136k▼
Fixed assets21/28€57k€40k▼
Tangible fixed assets22/27€57k€40k▼
Plant, machinery and equipment23€17k€10k▼
Furniture and vehicles24€4k€6k▲
Leasing and similar rights25€36k€24k▼
Current assets29/58€478k€96k▼
Stocks and contracts in progress3€352k€64k▼
Stocks30/36€352k€64k▼
Amounts receivable within one year40/41€82k€21k▼
Trade receivables40€72k€14k▼
Other amounts receivable41€10k€7k▼
Cash at bank and in hand54/58€40k€3k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€535k€136k▼
Equity10/15€15k€8k▼
Contributions10/11€6k€6k=
Reserves13€12k€12k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€10k€10k=
Profit (loss) carried forward14€-3k€-10k▼
Amounts payable17/49€521k€128k▼
Amounts payable after more than one year17€158k€75k▼
Financial debts170/4€158k€75k▼
Amounts payable within one year42/48€359k€49k▼
Current portion of amounts payable after more than one year42€191k€25k▼
Financial debts43€40k€0▼
Credit institutions430/8€40k€0▼
Trade debts44€125k€19k▼
Suppliers440/4€125k€19k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€2k▼
Remuneration and social security454/9-€2k
Accrued charges and deferred income492/3€4k€4k▼
Income statement
Code20232024
Non-recurring operating income76A-€335k
Remuneration, social security and pensions62€47k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€20k▼
Other operating charges640/8€3k€11k▲
Non-recurring operating charges66A-€0
Gross operating margin9900€126k€87k▼
Operating profit (loss)9901€53k€4k▼
Financial income75/76B€239€282▲
Recurring financial income75€239€282▲
Financial charges65/66B€53k€11k▼
Recurring financial charges65€13k€11k▼
Non-recurring financial charges66B€40k-
Profit (loss) for the period before taxes9903€208€-7k▼
Profit (loss) for the period9904€208€-7k▼
Profit (loss) for the period to be appropriated9905€208€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-10k▼
Profit (loss) brought forward from the previous period14P€-3k€-3k▲
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
2025
28-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼3476%
Net result drops to €-7k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
12-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 43 days late
2017
19-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 50 days late
2016
24-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 24 days late
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, Kortenaken · 2 establishment units since 2013
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.
Slagveldweg 23472 KortenakenGround area
1,220 m²
Building footprint
278 m²
Volume, LiDAR
1,431 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
De Huismannen
since 20132.220.404.531
De Huismannen
since 20142.231.725.223
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24008H0065/00A002 | Flanders | 723 m² | 1 · 155 m² | 8.9 m · 1 fl. |
| 24050C0114/00A000 | Flanders | 497 m² | 1 · 123 m² | 8.9 m · 2 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
Immo De Bist
BE 0755.894.373
Westerlo · Eq €7k
WOUTER DENEWETH
BE 0722.802.626
Tielt · Eq €8k
4ED ADVICE
BE 0787.817.766
Rixensart · Eq €8k
WATTS.green Investments
BE 0783.409.315
Watermaal-Bosvoorde · Eq €8k
FAGNES DEVELOPPEMENT
BE 0771.679.639
Couvin · Eq €7k
Of 591 companies in sector 66300 we hold annual accounts for 366. 94 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2013
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
66300Activities auxiliary to financial services and insurance activities
43350Other building finishing work
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.