EUROPHOUSE
ActiveEUROPHOUSE has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €40k and a net result of €-22k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 9981 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-8
Solvency91▼-8
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 3.52 against 6.91 in 2023; short-term debt: 22% of total assets), and 34.1% 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
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
65.9%
Return on assets
-37.2%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-08-2025, 8 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
8 d late
2023
29 d late
2022
60 d late
2021
8 d early
2020
6 d late
2019
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-22k▼ 201%
2023 · €-7k
2018: €-12k
2019: €-3k
2020: €12k
2021: €20k
2022: €11k
2023: €-7k
2018 → 2024
Working capital
€34k▼ 41.6%
2023 · €58k
2018: €30k
2019: €27k
2020: €39k
2021: €58k
2022: €64k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€40k-€60k▲ 50.3%€70k▲ 17.1%€62k▼ 10.7%€40k▼ 36.1%
Operating result€12k-€20k▲ 64.5%€9k▼ 56.1%€-9k€-24k▼ 161%
Net result€12k-€20k▲ 72.5%€11k▼ 44.8%€-7k€-22k▼ 201%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €24k in 2024 against €9k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €60k
Fixed assets
€14k▼ 22.4%
Current assets
€47k▼ 30.3%
Equity and liabilities €60k
Equity
€40k▼ 36.1%
Debt
€21k▼ 7.9%
The debt ratio rises from 26.4% to 34.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-18k▼
2023 · €-3k
Cash flow
€-17k▼
2023 · €-1k
Solvency
65.9%▼
2023 · 73.6%
Current ratio
3.52▼
2023 · 6.91
Quick ratio
3.52▼
2023 · 6.91
Debt / equity
0.52▲
2023 · 0.36
ROE
-56.4%▼
2023 · -12.0%
ROA
-37.2%▼
2023 · -8.8%
Interest coverage
-27.13▼
2023 · -4.22
Debt
€21k▼
2023 · €22k
Debt ≤ 1 year
€13k▲
2023 · €10k
Debt > 1 year
€7k▼
2023 · €13k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€85k€60k▼
Fixed assets21/28€18k€14k▼
Tangible fixed assets22/27€18k€14k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€235-
Leasing and similar rights25€17k€12k▼
Current assets29/58€67k€47k▼
Amounts receivable within one year40/41€47k€44k▼
Trade receivables40€2k€2k=
Other amounts receivable41€45k€42k▼
Cash at bank and in hand54/58€16k-
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€85k€60k▼
Equity10/15€62k€40k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€-6k€-28k▼
Amounts payable17/49€22k€21k▼
Amounts payable after more than one year17€13k€7k▼
Financial debts170/4€13k€7k▼
Amounts payable within one year42/48€10k€13k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43-€1k
Other loans439-€1k
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€242-
Taxes450/3€242-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€634€-13k▼
Operating profit (loss)9901€-9k€-24k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€703€658▼
Recurring financial charges65€703€658▼
Profit (loss) for the period before taxes9903€-7k€-22k▼
Profit (loss) for the period9904€-7k€-22k▼
Profit (loss) for the period to be appropriated9905€-7k€-22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€-28k▼
Profit (loss) brought forward from the previous period14P€2k€-6k▼
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
2025
08-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
2024
31-12
Financial
Weakest financial yearnet €-22k
Net result drops to €-22k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €20k ▲72.5%
Operating result €20k, net result €20k, both a record.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 15.72
Current ratio from 5.09 to 15.72; short-term debt falls from €7k to €3k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Chaudfontaine · 1 establishment unit since 1985
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.
Rue Albert Bataille 64053 ChaudfontaineGround area
727 m²
Building footprint
300 m²
Volume, LiDAR
1,418 m³
2 parcels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Albert Bataille 4, 4053 Chaudfontaine
since 19852.027.403.730
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62030A0408/00P000 | Wallonia | 464 m² | 1 · 58 m² | 10.1 m · 3 fl. |
| 62030A0406/00D000 | Wallonia | 263 m² | 1 · 242 m² | 7.9 m · 1 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.
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BE 1021.571.633
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Entreprise générale de Construction Fabrice LIEN
BE 1013.488.761
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MMM Construct
BE 0663.835.831
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Beeld Construct
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 12,848 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-04-1985
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.