DifferentHome
ActiveThe file of DifferentHome contains 2 historical bankruptcy publications, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 2.0% (moderate). The 2025 annual accounts show equity of €13k and a net result of €6k. Equity is shrinking by ~31.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 14% of 27787 sector peers (fiscal year 2025).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▲+8
Solvency36▲+7
Growth32=
Track record85
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.16 against 1.1 in 2024; short-term debt: 85.7% and cash: 4.1% of total assets), and 89.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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 · 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
10.6%
Return on assets
5.1%
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 14% of 27787 sector peers (2025).
NBB · sector comparisonPosition among 27787 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 6 filingsDeviation from the deadline
2025
31 d late
2024
30 d late
2023
31 d late
2022
60 d late
2021
242 d late
2020
219 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€13k▲ 94.0%
2024 · €7k
2020: €38k
2021: €49k
2022: €36k
2023: €3k
2024: €7k
2020 → 2025
Total assets
€125k▼ 23.3%
2024 · €163k
2020: €283k
2021: €507k
2022: €367k
2023: €193k
2024: €163k
2020 → 2025
Net result
€6k▲ 86.8%
2024 · €3k
2020: €13k
2021: €11k
2022: €-13k
2023: €-33k
2024: €3k
2020 → 2025
Working capital
€17k▲ 20.5%
2024 · €14k
2020: €88k
2021: €91k
2022: €61k
2023: €25k
2024: €14k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€49k-€36k▼ 26.4%€3k▼ 90.6%€7k▲ 101%€13k▲ 94.0%
Operating result€40k-€-3k€-20k▼ 519%€10k€7k▼ 28.9%
Net result€11k-€-13k€-33k▼ 153%€3k€6k▲ 86.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€749▼ 70.4%
Current assets
€124k▼ 22.5%
Equity and liabilities €125k
Equity
€13k▲ 94.0%
Debt
€112k▼ 28.4%
The debt ratio falls from 95.8% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €12k
Cash flow
€8k▲
2024 · €6k
Solvency
10.6%▲
2024 · 4.2%
Current ratio
1.16▲
2024 · 1.10
Quick ratio
1.16▲
2024 · 1.10
Debt / equity
8.46▼
2024 · 22.92
ROE
48.5%▼
2024 · 50.3%
ROA
5.1%▲
2024 · 2.1%
Interest coverage
1.83▲
2024 · 1.21
Debt
€112k▼
2024 · €156k
Debt ≤ 1 year
€107k▼
2024 · €146k
Income taxes
€221▼
2024 · €257
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€163k€125k▼
Fixed assets21/28€3k€749▼
Tangible fixed assets22/27€3k€749▼
Furniture and vehicles24€3k€749▼
Current assets29/58€160k€124k▼
Amounts receivable after more than one year29€38k€39k▲
Other amounts receivable291€38k€39k▲
Amounts receivable within one year40/41€121k€77k▼
Trade receivables40€68k€2k▼
Other amounts receivable41€54k€76k▲
Cash at bank and in hand54/58€1k€5k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€163k€125k▼
Equity10/15€7k€13k▲
Contributions10/11€25k€25k=
Reserves13€13k€13k=
Distributable reserves133€13k€13k=
Profit (loss) carried forward14€-31k€-25k▲
Amounts payable17/49€156k€112k▼
Amounts payable within one year42/48€146k€107k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€133k€96k▼
Accrued charges and deferred income492/3€10k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€724€1k▲
Gross operating margin9900€13k€10k▼
Operating profit (loss)9901€10k€7k▼
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€10k€5k▼
Recurring financial charges65€10k€5k▼
Profit (loss) for the period before taxes9903€4k€7k▲
Income taxes67/77€257€221▼
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-31k€-25k▲
Profit (loss) brought forward from the previous period14P€-35k€-31k▲
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 242 days late
2022
22-03
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Tongeren · DIFFERENTHOME BV MOSSELERLAAN 65, 3600 GENK · event 15-03-2022
07-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 219 days late
31-01
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Tongeren · DIFFERENTHOME BV MOSSE- LERLAAN 65, 3600 GENK · event 25-01-2022
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Nieuwpoort · 1 establishment unit since 2019
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.
Oostendestraat 158620 NieuwpoortGround area
3,035 m²
Building footprint
1,022 m²
Volume, LiDAR
6,582 m³
2 parcels, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DifferentHome
since 20192.286.835.376
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I0492/00B002 | Flanders | 2,280 m² | 1 · 202 m² | - |
| 38016B0169/00S000 | Flanders | 755 m² | 1 · 820 m² | 14.0 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Insolvency mandates
2 mandates| Role | Name | Tenure |
|---|---|---|
| Curator | ELKE NATENS WIJNGAARDSTRAAT 6,
3700 TONGEREN |
25-01-2022 → present |
| Curator | JEF SCHEEPERS WIJNGAARD-
STRAAT 6, 3700 TONGEREN |
25-01-2022 → present |
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Of 4,270 companies in sector 43230 we hold annual accounts for 1,241. 776 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-02-2019
Fiscal year end31-12
Activities, NACEBEL
43230Insulation installation
43291Specialised construction activities
43331Floor and wall tiling
43332Laying of wooden floor and wall coverings
43341Painting of buildings
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.