EXCLUSIVE HOUSE
ActiveEXCLUSIVE HOUSE has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €10k. Equity is growing by ~67.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 27451 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+34
Solvency75▲+23
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.32 in 2024; short-term debt: 50.3% and cash: 2.6% of total assets), but 50.3% 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 · 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 · 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
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
49.7%
Return on assets
8.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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
30 d late
2024
5 d late
2023
30 d late
2022
3 d early
2021
18 d late
2020
19 d late
2019
103 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€59k▲ 20.8%
2024 · €49k
2018: €-6k
2019: €2k
2020: €11k
2021: €13k
2022: €15k
2023: €67k
2024: €49k
2018 → 2025
Total assets
€119k▼ 33.9%
2024 · €179k
2018: €97k
2019: €104k
2020: €116k
2021: €159k
2022: €222k
2023: €192k
2024: €179k
2018 → 2025
Net result
€10k
2024 · €-18k
2018: €13k
2019: €9k
2020: €8k
2021: €3k
2022: €1k
2023: €52k
2024: €-18k
2018 → 2025
Working capital
€50k▲ 18.4%
2024 · €42k
2018: €-6k
2019: €33k
2020: €28k
2021: €39k
2022: €3k
2023: €58k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€15k▲ 11.2%€67k▲ 359%€49k▼ 27.1%€59k▲ 20.8%
Operating result€21k-€5k▼ 77.9%€87k▲ 1,762%€7k▼ 91.8%€39k▲ 440%
Net result€3k-€1k▼ 42.6%€52k▲ 3,465%€-18k€10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 440% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €119k
Fixed assets
€9k▲ 36.4%
Current assets
€110k▼ 36.5%
Equity and liabilities €119k
Equity
€59k▲ 20.8%
Debt
€60k▼ 54.3%
The debt ratio falls from 72.8% to 50.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2024 · €10k
Cash flow
€13k▲
2024 · €-16k
Solvency
49.7%▲
2024 · 27.2%
Current ratio
1.84▲
2024 · 1.32
Quick ratio
1.84▲
2024 · 1.32
Debt / equity
1.01▼
2024 · 2.67
ROE
17.2%▲
2024 · -37.1%
ROA
8.6%▲
2024 · -10.1%
Interest coverage
1.62▲
2024 · 0.39
Debt
€60k▼
2024 · €130k
Debt ≤ 1 year
€60k▼
2024 · €130k
Income taxes
€3k
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€179k€119k▼
Fixed assets21/28€7k€9k▲
Tangible fixed assets22/27€7k€9k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€7k€7k▲
Current assets29/58€173k€110k▼
Amounts receivable within one year40/41€172k€107k▼
Trade receivables40€101k€84k▼
Other amounts receivable41€71k€23k▼
Cash at bank and in hand54/58€596€3k▲
Equity and liabilities
Total equity and liabilities10/49€179k€119k▼
Equity10/15€49k€59k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€43k€53k▲
Amounts payable17/49€130k€60k▼
Amounts payable within one year42/48€130k€60k▼
Trade debts44€111k€57k▼
Suppliers440/4€111k€57k▼
Taxes, remuneration and social security45€19k€3k▼
Taxes450/3€19k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€973-
Gross operating margin9900€11k€41k▲
Operating profit (loss)9901€7k€39k▲
Financial charges65/66B€25k€25k▲
Recurring financial charges65€25k€25k▲
Profit (loss) for the period before taxes9903€-18k€13k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-18k€10k▲
Profit (loss) for the period to be appropriated9905€-18k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€53k▲
Profit (loss) brought forward from the previous period14P€61k€43k▼
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
31-12
Financial
Weakest financial yearnet €-18k ▼135%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €52k ▲3465%
Operating result €87k, net result €52k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 103 days late
2019
20-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 51 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
2016
08-10
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 69 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Genappe · 2 establishment units since 2008
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.
Drève Maréchal Masséna 71470 GenappeGround area
4,181 m²
Building footprint
427 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
EXCLUSIVE HOUSE
since 20082.170.450.224
EXCLUSIVE HOUSE
since 20202.312.748.828
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003M0220/00B000 | Wallonia | 3,467 m² | 1 · 253 m² | - |
| 52022C0167/00D002 | Wallonia | 714 m² | 1 · 174 m² | - |
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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Of 8,456 companies in sector 43120 we hold annual accounts for 3,232. 2,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-04-2008
Fiscal year end31-12
Activities, NACEBEL
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.