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DifferentHome

Active Private limited companyfounded 2019active for 7 yearsOostendestraat 15, 8620 NieuwpoortKBO/BCE: BE 0721.428.095
DifferentHome
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Overview

Lifetime

6 annual accounts with figures on one time axis
peak €54,812 (2021)
€9,750▼ 23.3%
lowest -€32,532 (2023)
€6,408▲ 86.8%
peak €48,801 (2021)
€13,224▲ 94.0%
€111,831▼ 28.4%
Board3 names since 2020
1 directorVERHEYDEN Wim Chris Désiré
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Gross margin from €12,709 to €9,750Result from €3,430 to €6,408Equity from €6,816 to €13,224Debts from €156,202 to €111,831Cash from €1,006 to €5,116

Key points

from the 2025 annual accounts

Debts

€111,831 89% of the balance sheet
Suppliers 2%Taxes and wages 8%Other 90%

Of this, €107,182 falls due within a year.

Filings

6 annual accounts 6 late
AprilJune31 JulyOctober202020222024

The 2021 accounts came latest: 242 days after the end of the period.

Position in the sector

10.6%

Lower solvency than 85% of companies in specialised construction. Sector median 46.7% · 35,119 companies.

Checked score

51
Fair
Financially stronger than 32% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.6% Moderate
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 7.8% 01-2025: 7.8%● unchanged vs 12-2024 02-2025: 7.8%● unchanged vs 01-2025 03-2025: 7.8%● unchanged vs 02-2025 04-2025: 8.2%▲ +0.4 percentage points vs 03-2025 05-2025: 7.4%▼ -0.8 percentage points vs 04-2025 06-2025: 7.2%▼ -0.2 percentage points vs 05-2025 07-2025: 7.1%▼ -0.1 percentage points vs 06-2025 08-2025: 8.1%▲ +1.0 percentage point vs 07-2025 09-2025: 8.9%▲ +0.8 percentage points vs 08-2025highest value 10-2025: 4.3%▼ -4.6 percentage points vs 09-2025 11-2025: 4.3%● unchanged vs 10-2025 12-2025: 4.3%● unchanged vs 11-2025 01-2026: 4.2%▼ -0.1 percentage points vs 12-2025 02-2026: 4.2%● unchanged vs 01-2026 03-2026: 4.2%● unchanged vs 02-2026 04-2026: 3.1%▼ -1.1 percentage points vs 03-2026 05-2026: 3.0%▼ -0.1 percentage points vs 04-2026 06-2026: 2.9%▼ -0.1 percentage points vs 05-2026 07-2026: 2.9%● unchanged vs 06-2026 08-2026: 3.8%▲ +0.9 percentage points vs 07-2026 09-2026: 2.8%▼ -1.0 percentage point vs 08-2026 10-2026: 2.7%▼ -0.1 percentage points vs 09-2026 11-2026: 2.6%▼ -0.1 percentage points vs 10-2026lowest value

Financial strength
Weak

36+7equity 10.6% of total assets
8+7short-term debt 85.7% · cash 4.1%
40+8return on assets 5.1%

Score breakdown

raises risk
Last filed accounts filed 31 days late; 2 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
Founded in 2019
Liquidity: current ratio 1.16, cash €5,116
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 43, micro). It does better than 14% of them on solvency, 5% on liquidity, 20% on profitability and 91% on growth.

The bankruptcy probability was computed on 08-11-2026 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, 6,713 companies had the same profile as DifferentHome has now. Each dot stands for 17 companies, two years later.

95.8%
were still trading
2.2%
stopped another way
1.8%
went bankrupt
  • Micro
  • 5 to 10 years old
  • solvency 10 to 30%
  • a profit of 5% of the balance sheet or more

Another 0.2% stopped without a precise date, possibly only after those two years.

The bankruptcy probability of DifferentHome itself is higher: 2.6% within 12 months. It rests on far more data about DifferentHome than the profile alone.

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.

The companies in ten equal groups, from the lowest to the highest expected share
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 6,713 companies, not a prediction for DifferentHome. 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

Credit of up to €500 on 30-day terms, only on tighter conditions: historical bankruptcy publications

Liquidity is tight, with a current ratio of 1.16 (1.1 in 2024), below the usual 1.5. Short-term debt is 85.7% and cash 4.1% of total assets. 89.4% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Seven signals.
raises riskneutral
raises risk · Last filed accounts filed 31 days late; 2 of the last 3 accounts late
NBB · filings
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
raises risk · Founded in 2019
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Liquidity: current ratio 1.16, cash €5,116
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 35119 sector peers (2025).
NBB · sector comparison
Position among 35119 sector peers
Solvency
better than 14%
← weakest strongest →
neutral · Prior bankruptcy
Earlier bankruptcy on record in the Belgian Official Gazette, no current open procedure.
Belgian Official Gazette
raises risk · 2025 accounts filed 31 days late
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. 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 · 6 filings
Deviation from the deadline
2025
31 days late
2024
30 days late
2023
31 days late
2022
60 days late
2021
242 days late
2020
219 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 102 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% 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 1 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

VW
VERHEYDEN Wim Chris Désiré
Director
Board & ownership

Recent changes

Registered in the Peppol Directory Reachable for e-invoices through 0208:0721428095
Registered office moved from Genk to Nieuwpoort New registered office: Oostendsestraat 15, 8620 Nieuwpoort · Previous registered office: Mosselerlaan 65, 3600 Genk · Resignation: BuildingCare (director) · Gazette deed
Bankruptcy reversal Enterprise Court of Antwerp, Tongeren division · judgment of 15-03-2022 · Bankruptcy
Bankruptcy published Enterprise Court of Antwerp, Tongeren division · judgment of 25-01-2022 · Bankruptcy
All 15 events

Comparable companies

same main activity, similar in size and age
Company
DifferentHome Nieuwpoort €125,056 €9,750 10.6% -
ECO BEL PRO Schaerbeek €137,232 €10,675 14.0% -
IDC FAMILY Anderlecht €116,912 €13,525 23.2% -
U.R.D. PARTNERS Brussels €84,673 €9,259 42.7% -
Arnaud BOSCOLO Hamois €136,154 €11,883 24.7% -
FAF NEDJO Charleroi €81,399 €9,569 38.0% -
OGIBOUW Temse €85,511 €12,711 86.9% -

These companies have the same main activity as DifferentHome: insulation installation (NACE 43230). They are comparable in size and age: total assets between €81,400 and €137,000, founded between 2019 and 2020.

Official details

Source: KBO
Status
Active since 21-02-2019Normal situation
Registered office
10 active companies are registered at this addressSource: KBO register, as of 9 November 2026.
Activity
Insulation installationNACE 43230and 5 others
Establishment unit
2.286.835.3763600 Genk, since 21-02-2019
Financial year end
31 December
Peppol
Reachable since 27-10-2025
Company details

Annual accounts 2025

€9,750▼ 23.3%
≈ €91,000estimated
€6,408▲ 86.8%
€13,224▲ 94.0%
€125,056▼ 23.3%
Filing
Filed on 31-08-2026
Financials

Insights on DifferentHome

DifferentHome files the micro format. That format states no turnover. The gross margin fell from €28,598 in 2020 to €9,750 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 31-08-2026, 31 days late
€9,750
▼ 23.3%
€6,938
▼ 28.9%
€6,408
▲ 86.8%
€17,124
▲ 20.5%
10.6%
▲ 6.4 percentage points
1.16
▲ 0.06

Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €91,000. Estimated: probably between €52,000 and €210,000.

Balance sheet

balance sheet total €125,056 on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

10.6%

Higher than 14% of 35,119 companies in 2025.

1.16

Higher than 28% of 34,493 companies in 2025.

5.1%

Higher than 44% of 34,694 companies in 2025.

DifferentHome Middle half of the sector 80% of the sector Micro accounts in specialised construction (NACE 43)

Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend202520242023202220212020
Balance sheet: assets
20/58 125,056163,017193,010366,646507,360282,545
20 --33233432632
21/28 7492,5283,85611,34816,5849,265
21 ---8,28610,436-
22/27 7492,5283,8563,0626,1489,265
23 ---1,4593,5116,921
24 7492,5283,8561,6042,6382,344
29/58 124,307160,490189,120355,066490,344272,648
29 39,30438,33837,37392,272--
290 ---92,272--
291 39,30438,33837,373---
3 ---60,93220,24045,554
30/36 ---10,3296,6545,994
37 ---50,60313,58739,560
40/41 77,387121,145151,227190,160465,363213,568
40 1,60067,50694,316129,209321,259146,773
41 75,78753,63956,91160,950144,10466,795
54/58 5,1161,0065218,5203,23513,526
490/1 2,500--3,1831,506-
Balance sheet: equity and liabilities
10/49 125,056163,017193,010366,646507,360282,545
10/15 13,2246,8163,38635,91748,80137,982
10/11 25,00025,00025,00025,00025,00025,000
13 12,98212,98212,98212,98212,98212,982
133 12,98212,98212,98212,98212,98212,982
14 -24,757-31,166-34,596-2,06410,819-
17/49 111,831156,202189,624330,729458,559244,563
17 --19,21824,00041,00052,000
170/4 --19,21824,00041,00052,000
42/48 107,182146,284164,379294,479399,159184,563
44 2,2195,10517,95844,294282,880131,581
440/4 2,2195,10517,95844,294282,880131,581
46 ---79,194--
45 9,3018,0172,0594,10813,5544,622
450/3 7,7016,4172,0594,10813,5544,622
454/9 1,6001,600----
47/48 95,662133,162144,362166,883102,72548,360
492/3 4,6499,9186,02712,24918,4008,000
Income statement
9900 9,75012,709-2,40910,92154,81228,598
630 1,7792,2242,4215,4366,5648,800
640/8 1,0337245,7948,7767,9642,642
66A --9,744---
9901 6,9389,761-20,368-3,29140,28417,156
75/76B 4,4513,7952,1702,92623,8493,148
75 4,4513,7952,1702,92623,8493,148
65/66B 4,7599,86913,13712,51949,8172,701
65 4,7599,86913,13712,51949,8172,701
9903 6,6303,687-31,334-12,88314,31517,603
67/77 2212571,197-3,4964,622
9904 6,4083,430-32,532-12,88310,81912,982
9905 6,4083,430-32,532-12,88310,81912,982
Appropriation of the result
9906 -24,757-31,166-34,596-2,06410,81912,982
14P -31,166-34,596-2,06410,819--
691/2 -----12,982
6921 -----12,982
Document PDFPDFPDFPDFPDFPDF

The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 31-08-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank

2025 annual accounts filed 31 days after the deadline. Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00491668.

Financial year Type Filed Reference Document
31-12-2025 micro format 31-08-2026 2026-00491668 PDF
31-12-2024 micro format 30-08-2025 2025-00460283 PDF
31-12-2023 micro format 31-08-2024 2024-00426514 PDF
31-12-2022 micro format 29-09-2023 2023-00460254 PDF
31-12-2021 abbreviated format 30-03-2023 2023-00048185 PDF
31-12-2020 micro format 07-03-2022 2022-07200255 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend202520242023202220212020
8,71711,985-17,9472,14546,84825,956
8,1875,654-30,111-7,44817,38321,781
08634,47420013,68317,698
4,110485-7,9995,284-10,290-
17,12414,20624,74160,58691,18588,085
10.6%4.2%1.8%9.8%9.6%13.4%
1.161.101.151.211.231.48
1.161.101.151.001.181.23
8.4622.9256.019.219.406.44
48.5%50.3%-960.9%-35.9%22.2%34.2%
5.1%2.1%-16.9%-3.5%2.1%4.6%
1.831.21-1.370.170.94-

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€863€4,474-€2,933
Intangible fixed assets----€10,750
€1,779€2,224€2,421€5,436€6,564

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on DifferentHome

The operating result for 2025 is 29% lower than in 2024.

Debt's share of the balance-sheet total falls from 95.8% to 89.4%. Equity is higher and debt is lower.

Board & ownership

Curators

2 mandates
Elke Natens
Curator, Wijngaardstraat 6, 3700 Tongeren
from 25-01-2022 to 15-03-2022
Also on 143 other cases
Jef Scheepers
Curator, Wijngaard- Straat 6, 3700 Tongeren
from 25-01-2022 to 15-03-2022
Also on 143 other cases

Board

1 director, last change in 2024
VERHEYDEN Wim Chris Désiré
Director
appointed by deed of 11-03-2024
listed in the 2025 annual accounts, filed on 31-08-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
VERHEYDEN Wim Chris Désiré
Director
BuildingCare
Director
MICHIEL REYSKENS
Director
BoardEarliermandate already running before its first mention
Mandates as a list
  • VERHEYDEN Wim Chris Désiré
    • Director, appointed by deed of 11-03-2024, still in office
  • BuildingCare
    • Director, until 11-03-2024
  • MICHIEL REYSKENS
    • Director, until 18-02-2020

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€25,000
Source
2025 annual accounts

Network & group

No group

DifferentHome has no parent and no holdings in its annual accounts. VERHEYDEN Wim Chris Désiré is the only director. DifferentHome shares no director with another company.

At the same address

Oostendestraat 15, 8620 Nieuwpoort · 9 other companies
O.L.E.V.
establishment since 03-03-2003 · founded in 1989
 3 FTE (2025)
0438.310.732
DARCIS
registered office since 03-08-2000 · founded in 1977
 17 FTE (2025)
0416.830.477
ACTUEL TRADING
registered office since 01-12-2016 · founded in 1988
 0.8 FTE (2025)
0434.634.729
COAST SHOPS
registered office since 13-11-2012 · founded in 2012
 16 FTE (2025)
0500.792.984
OLYMPIC SPORT
registered office since 16-12-1987 · founded in 1987
 12 FTE (2025)
0432.791.828
Due Amanti
registered office since 24-10-2013 · founded in 2013
 7.3 FTE (2025)
0541.416.782
Building Care
registered office since 08-12-2021 · founded in 2017
 total assets €1.0m (2025)
0670.484.586
STEMARC
registered office since 02-09-2013 · founded in 2013
 total assets €141,227 (2025)
0537.843.125
C-Interieur
registered office since 09-10-2019
 founded in 2019
0735.884.263

Timeline

Timeline

15 events since 2019

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 31 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0721428095
Annual accounts 2024 filed PDFmicro format · 30 days late
2024
Back to profit net €3,430 The net result is €3,430, after 2 loss-making years.
Annual accounts 2023 filed PDFmicro format · 31 days late
Registered office moved from Genk to NieuwpoortNew registered office: Oostendsestraat 15, 8620 Nieuwpoort · Previous registered office: Mosselerlaan 65, 3600 Genk · Resignation: BuildingCare (director)4 points ▸
  • Registered-office move, Oostendsestraat 15, 8620 Nieuwpoort
  • Director resignation, BuildingCare
  • Director discharge, BuildingCare
  • Director appointment, VERHEYDEN Wim Chris Désiré
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

2023
Weakest financial year net -€32,532 The net result drops to -€32,532, the lowest from 2020 to 2025. It recovers the following year.
Annual accounts 2022 filed PDFmicro format · 60 days late
Annual accounts 2021 filed PDFabbreviated format · 242 days late
2022
Bankruptcy reversal Enterprise Court of Antwerp, Tongeren division · judgment of 15-03-2022
Annual accounts 2020 filed PDFmicro format · 219 days late
Bankruptcy published Enterprise Court of Antwerp, Tongeren division · judgment of 25-01-2022
2020
Resignation: MICHIEL REYSKENS (director)Permanent representative: REYSKENS Michiel · General meeting of 18-02-20203 points ▸
  • General meeting, 18-02-2020
  • Director resignation, MICHIEL REYSKENS
  • Permanent representative, REYSKENS Michiel
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2019
Incorporation PDFpublished on 25-02-2019
First establishment Mosselerlaan 65, Genk

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 21 February 2019, DifferentHome was incorporated.1 In 2024 the registered office moved to Nieuwpoort.2 Total assets went from €282,545 in 2020 to €125,056 in 2025.3 The company was declared bankrupt on 25 January 2022.4

  1. 1KBO register
  2. 2Belgian Official Gazette, 11-03-2024
  3. 3National Bank, annual accounts 2020 and 2025
  4. 4Belgian Official Gazette, 31-01-2022

Company details

Identity

Enterprise number
0721.428.095
VAT number
BE 0721.428.095
Peppol ID
0208:0721428095
Legal form
Private limited company
Status
Active, normal situation
Founded
21-02-2019
Financial year
ends on 31 December
Peppol
Reachable since 27-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
DifferentHome in Dutch
Name in the Peppol Directory
Different Home BV
Entity type
Legal entity

Activities

NACEBEL 2025
43230 Insulation installation main activity
43331 Floor and wall tiling
43332 Laying of wooden floor and wall coverings
43341 Painting of buildings
43350 Other building finishing work
43990 Other specialised construction activities
Codes under NACEBEL 2008
43291 Specialised construction activities main activity
43331 Floor and wall tiling
43332 Laying of wooden floor and wall coverings
43341 Painting of buildings
43390 Specialised construction activities
43995 Specialised construction activities

Registered office and establishments

1 establishment
Establishment Since Unit number
Oostendestraat 15 registered office 8620 Nieuwpoort
Mosselerlaan 65 3600 Genk 4323001 Insulation installation 21-02-2019 2.286.835.376
1 former office
  • Mosselerlaan 65, 3600 Genk until the deed of 11-03-2024

Buildings and parcels at the addresses

Ground area
3,035 m²
Buildings
1,022 m²
Volume, LiDAR
7,754 m³
Tallest building
14.0 m
Buildings to scale, each on its own parcel
820 m², 14.0 m 202 m², 9.2 m 820 m², 14.0 m 202 m², 9.2 m

Location

registered office establishment The establishment unit on the map
10 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
71016I0492/00B0022,280 m² 1 · 202 m² 9.2 m · 2
38016B0169/00S000
ProtectedMonumentDuynenhuysSource ↗
755 m² 1 · 820 m² 14.0 m · 3

1 of these parcels carries protected heritage. Expect extra rules on renovation or sale.

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0721.428.095

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