Age5 yrs
Real estate2 parcels · 8,646 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DEFI HOME is 3.6% (moderate). The 2024 annual accounts show negative equity (€-8k) and a net result of €-7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 3838 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone3.6%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Signals
1 signal · with evidenceNegative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 16 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-08-2025, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 26-08-2025 | 26 d late | 2025-00424606 |
| 31-12-2023 | 31-07-2024 | 30-08-2024 | 30 d late | 2024-00421426 |
| 31-12-2022 | 31-07-2023 | 29-08-2023 | 29 d late | 2023-00384558 |
| 31-12-2021 | 31-07-2022 | 12-08-2022 | 12 d late | 2022-20290220 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-7k
Working capital€-8k-1125.2%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 26-08-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -2.5% | 39.5% | |
| Net result | €-7k | €9k | |
| Equity | €-8k | €29k | |
| Gross operating margin | €-4k | €26k | |
| Total assets | €297k | €85k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P10
Stable position over 2021-2024
· n=1178-3838
P13
Stable position over 2021-2024
· n=1178-3834
P7
Stable position over 2021-2024
· n=1182-3843
P8
Stable position over 2021-2024
· n=1171-3831
Describes the position versus peers, not a forecast.
€-7k
-
21-24
€297k
-1.4%
21-24
€-8k
-1125.2%
21-24
€-8k
-1125.2%
21-24
€304k
+0.9%
21-24
€304k
+0.9%
21-24
0.98
-2.3%
21-24
0.98
-2.3%
21-24
Show 4 other metrics
-2.5%
-1142.7%
21-24
-40.42
+91.8%
21-24
91.8%
-
21-24
-2.3%
-
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | - |
| Net profit | €-7k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €297k |
| Equity | €-8k |
| Debt | €304k |
| of which ≤ 1y | €304k |
| of which > 1y | - |
| Working capital | €-8k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.98 |
| Quick ratio | 0.98 |
| Working capital ratio | -2.5% |
| Solvency | -2.5% |
| Debt / equity | -40.42 |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -2.3% |
| ROE | 91.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Full annual accounts (17 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €297k |
| Current assets | 29/58 | €297k |
| Amounts receivable within one year | 40/41 | €4k |
| Cash & bank | 54/58 | €293k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €297k |
| Equity | 10/15 | €-8k |
| Contributions / capital | 10/11 | €2k |
| Accumulated profits (losses) | 14 | €-10k |
| Amounts payable | 17/49 | €304k |
| Amounts payable within one year | 42/48 | €304k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €-4k |
| Operating result | 9901 | €-4k |
| Financial charges | 65 | €3k |
| Result before taxes | 9903 | €-7k |
| Net result for the period | 9904 | €-7k |
| Result to be appropriated | 9905 | €-7k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computed22
/ 100
Critical
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Directors
Directors & mandates
1 director3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Former directors (1)
-
D'ADDARIO EnioDirectorState Gazette act 23022865 (16-02-2023)Former- → 01-09-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Algemene bouw van residentiële gebouwen(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 18-12-2020 |
| Status | Active |
| Postal code | 6041 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationDEFI HOME
since 20212.343.130.713
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area8,646 m²
Buildings2
Building footprint672 m²
Volume (LiDAR)6,371 m³
Tallest building13.6 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52028B0291/00G000 | Wallonia | 8,532 m² | 1 · 544 m² | 13.6 m · 3 fl. |
| 52021B0434/00X000 | Wallonia | 115 m² | 1 · 128 m² | 8.7 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 1
11-09-2024
Registered-office move
All acts · 2
updated 1 year ago
2024
11-09-2024 Registered office moved from Fleurus to Gosselies
- Chaussée de Charleroi 586 6220 Fleurus → la Rue Louis Blériot n°39/B 6041 Gosselies
2023
16-02-2023 D'ADDARIO Enio resigns as director
- D'ADDARIO Enio, Bestuurder
Analysis
Financial profile
5 of 5 axes measured58
/ 100
Mixed profile: strong on profitability, weaker on health.
All 5 axes are computed from data Checked has read.
Health
22
Profitability
100
Solvency
44
Growth
32
Stability
94
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0759.507.624 · Charleroi
BE 0898.568.210 · Charleroi
BE 0845.214.448 · Charleroi
BE 0415.336.974 · Charleroi
BE 0778.498.244 · Charleroi
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,400 of the 29,581 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Algemene bouw van kantoorgebouwen41002Algemene bouw van kantoorgebouwen41202
Primary activity highlighted.
Names & trade names
| Legal nameFR | DEFI HOME |
Registered office
Rue Louis Bleriot 39 bus B
6041 Charleroi, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.