Equity
-€20,382
Debts exceed assets in financial year 2025.
DEFI HOME
Lifetime
5 annual accounts with figures on one time axispeak €354 (2023)
-€176▲ €3,358
lowest -€12,859 (2025)
-€12,859▼ €5,951
peak -€420 (2021)
-€20,382▼ €12,859
€677,599▲ 123%
Board2 names since 2020
2 directorsD'ADDARIO Enio and 1 other
Documentsfilings and deeds
30-09-202661 days late
2025abbreviated format
Gross margin from -€3,534 to -€176Loss of €12,859Equity from -€7,523 to -€20,382Debts from €304,079 to €677,599Cash from €292,830 to €162,879
Key points
from the 2025 annual accountsLosses
-€19,768 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
Debts
€677,599 103% of the balance sheet
Financial debts 48%Suppliers 5%Other 47%
Of this, €352,880 falls due within a year.
Investments
€419,684 299.6 × depreciation
Green is investment, beige is depreciation.
Filings
5 annual accounts 61 days
Latest accounts filed late: after the legal deadline.
Position in the sector
-€20,382
Less equity than 91% of companies in construction of buildings. Sector median €195,278 · 2,808 companies.
Turnover not published (abbreviated or micro format)
Checked score
51
Fair
Financially stronger than 22% of micro companies in construction of buildings (NACE 41)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.4% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,457 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.9%
01-2025: 1.7%▼ -0.2 percentage points vs 12-2024lowest value
02-2025: 1.7%● unchanged vs 01-2025lowest value
03-2025: 1.7%● unchanged vs 02-2025lowest value
04-2025: 1.9%▲ +0.2 percentage points vs 03-2025
05-2025: 2.3%▲ +0.4 percentage points vs 04-2025
06-2025: 2.5%▲ +0.2 percentage points vs 05-2025
07-2025: 2.6%▲ +0.1 percentage points vs 06-2025
08-2025: 3.2%▲ +0.6 percentage points vs 07-2025
09-2025: 2.0%▼ -1.2 percentage points vs 08-2025
10-2025: 2.0%● unchanged vs 09-2025
11-2025: 1.9%▼ -0.1 percentage points vs 10-2025
12-2025: 1.9%● unchanged vs 11-2025
01-2026: 1.7%▼ -0.2 percentage points vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.7%● unchanged vs 03-2026
05-2026: 2.2%▲ +0.5 percentage points vs 04-2026
06-2026: 2.2%● unchanged vs 05-2026
07-2026: 2.3%▲ +0.1 percentage points vs 06-2026
08-2026: 2.9%▲ +0.6 percentage points vs 07-2026
09-2026: 3.3%▲ +0.4 percentage points vs 08-2026highest value
10-2026: 2.4%▼ -0.9 percentage points vs 09-2026
11-2026: 2.4%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Sector: Construction of residential and non-residential buildings (NACE 41)
Last filed accounts filed 61 days late; 1 of the last 3 accounts late
Negative equity -€20,382
lowers risk
Size: total assets €657,217
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 10% of them on solvency, 58% on liquidity, 16% on profitability and 3% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,167 companies had the same profile as DEFI HOME has now. Each dot stands for 3 companies, two years later.
94.9%
were still trading
2.8%
stopped another way
2.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of DEFI HOME itself: 2.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,167 companies, not a prediction for DEFI HOME. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.68 (0.98 in 2024), below 1. Short-term debt is 53.7% and cash 24.8% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€20,382
raises risk · 2025 accounts filed 61 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
61 days late
2024
26 days late
2023
30 days late
2022
29 days late
2021
12 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 32 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- VOLPE Jordan founderdeed of 22-12-2020
- D'ADDARIO Enio founderdeed of 22-12-2020
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0759982132
Registered office moved from Fleurus to Gosselies
New registered office: Rue Louis Blériot n°39/B 6041 Gosselies · Previous registered office: Chaussée de Charleroi n°586 6220 Fleurus · Gazette deed
Resignation: D'ADDARIO Enio (director)
General meeting of 01-09-2022 · Gazette deed
First establishment
Chaussée de Charleroi 586, Fleurus
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| DEFI HOME Charleroi | €657,217 | -€176 | -3.1% | - |
| VANCA PROJECTS Moorslede | €667,556 | -€3,391 | 76.9% | - |
| NICHOLSHOLM Ottignies-Louvain-la-Neuve | €637,225 | -€7,909 | 4.2% | - |
| KJP CONSTRUCT Diksmuide | €729,132 | -€13,930 | -72.7% | - |
| Mare Projects Nieuwpoort | €702,151 | -€1,204 | -11.4% | - |
| MELIS BOUW Ghent | €585,243 | -€168,876 | -48.2% | - |
| Polder Estate Antwerp | €761,384 | -€13,706 | -3.7% | - |
These companies have the same main activity as DEFI HOME: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €585,000 and €761,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 18-12-2020Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 1 other
- Establishment unit
- 2.343.130.7136220 Fleurus, since 10-01-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 02-03-2026
Insights on DEFI HOME
DEFI HOME files the abbreviated format. That format states no turnover. The gross margin rose from -€1,953 in 2021 to -€176 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about DEFI HOME
- What is the company number of DEFI HOME?
- The company number of DEFI HOME is 0759.982.132. The VAT number is the same number with BE in front: BE 0759.982.132.
- Where is DEFI HOME based?
- The registered office is at Rue Louis Bleriot 39, 6041 Charleroi.Company details
- What does DEFI HOME do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of DEFI HOME?
- DEFI HOME is a private limited company (BV).
- When was DEFI HOME founded?
- DEFI HOME was founded on 18-12-2020.
- Is DEFI HOME still active?
- Yes, DEFI HOME is an active enterprise in the KBO register.
- What is the turnover of DEFI HOME?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is DEFI HOME profitable?
- In financial year 2025, DEFI HOME made a loss of €12,859.
- Where can I find the annual accounts of DEFI HOME?
- DEFI HOME filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of DEFI HOME due?
- DEFI HOME must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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