El Homes
ActiveEl Homes has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €708k and a net result of €28k. Its solvency ranks better than 45% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
82
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▲+7
Solvency95▲+1
Growth78
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 2.7 in 2024), but 50.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
49.9%
Return on assets
2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
3 d early
2024
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€708k▲ 4.1%
2024 · €680k
2024: €680k
2024 → 2025
Total assets
€1.42M▲ 1.7%
2024 · €1.40M
2024: €1.40M
2024 → 2025
Net result
€28k▲ 54.4%
2024 · €18k
2024: €18k
2024 → 2025
Working capital
€522k▲ 7.2%
2024 · €487k
2024: €487k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€680k-€708k▲ 4.1%
Operating result€51k-€45k▼ 10.3%
Net result€18k-€28k▲ 54.4%
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 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€606k▼ 2.6%
Current assets
€813k▲ 5.1%
Equity and liabilities €1.42M
Equity
€708k▲ 4.1%
Debt
€710k▼ 0.7%
The debt ratio falls from 51.3% to 50.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€62k▼
2024 · €76k
Cash flow
€44k▲
2024 · €43k
Solvency
49.9%▲
2024 · 48.7%
Current ratio
2.80▲
2024 · 2.70
Quick ratio
2.80▲
2024 · 2.70
Debt / equity
1.00▼
2024 · 1.05
ROE
4.0%▲
2024 · 2.7%
ROA
2.0%▲
2024 · 1.3%
Interest coverage
1.79▼
2024 · 2.93
Debt
€710k▼
2024 · €715k
Debt ≤ 1 year
€291k▲
2024 · €286k
Debt > 1 year
€405k▼
2024 · €424k
Income taxes
€11k▲
2024 · €7k
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€1.40M€1.42M▲
Fixed assets21/28€622k€606k▼
Tangible fixed assets22/27€620k€604k▼
Land and buildings22€618k€603k▼
Furniture and vehicles24€2k€872▼
Financial fixed assets28€3k€3k=
Current assets29/58€773k€813k▲
Amounts receivable within one year40/41€510k€771k▲
Other amounts receivable41€510k€771k▲
Cash at bank and in hand54/58€263k€14k▼
Deferred charges and accrued income490/1€361€28k▲
Equity and liabilities
Total equity and liabilities10/49€1.40M€1.42M▲
Equity10/15€680k€708k▲
Contributions10/11€662k€662k=
Reserves13€18k€46k▲
Distributable reserves133€18k€46k▲
Amounts payable17/49€715k€710k▼
Amounts payable after more than one year17€424k€405k▼
Financial debts170/4€424k€405k▼
Amounts payable within one year42/48€286k€291k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€29k€23k▼
Suppliers440/4€29k€23k▼
Taxes, remuneration and social security45€10k€17k▲
Taxes450/3€10k€17k▲
Other amounts payable47/48€228k€232k▲
Accrued charges and deferred income492/3€5k€15k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€16k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€23k€0▼
Gross operating margin9900€100k€63k▼
Operating profit (loss)9901€51k€45k▼
Financial income75/76B€529€28k▲
Recurring financial income75€529€28k▲
Financial charges65/66B€26k€34k▲
Recurring financial charges65€26k€34k▲
Profit (loss) for the period before taxes9903€25k€39k▲
Income taxes67/77€7k€11k▲
Profit (loss) for the period9904€18k€28k▲
Profit (loss) for the period to be appropriated9905€18k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€28k▲
Transfer to equity691/2€18k€28k▲
To other reserves6921€18k€28k▲
The notes to these accounts (12 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Lille · 1 establishment unit since 2022
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.
Baan 55 A2275 LilleGround area
289 m²
Building footprint
91 m²
Volume, LiDAR
466 m³
Parcel 13032B0049/00C000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
El Homes
since 20222.337.486.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13032B0049/00C000 | Flanders | 289 m² | 1 · 91 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 31,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2022
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.