GENERAL HOUSING
ActiveGENERAL HOUSING has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €568k and a net result of €66k. Equity is growing by ~19.6% per year across the filed fiscal years. Its solvency ranks better than 82% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-3
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.29 against 4.76 in 2024; short-term debt: 22.8% and cash: 1.4% of total assets), and 23.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
76.9%
Return on assets
8.9%
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 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
4 d late
2023
45 d early
2022
on the day
2021
40 d early
2020
1 d early
2019
21 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€568k▲ 13.1%
2024 · €503k
2019: €214k
2020: €235k
2021: €248k
2022: €340k
2023: €429k
2024: €503k
2019 → 2025
Total assets
€739k▲ 13.9%
2024 · €649k
2019: €387k
2020: €358k
2021: €419k
2022: €503k
2023: €588k
2024: €649k
2019 → 2025
Net result
€66k▼ 10.3%
2024 · €73k
2019: €44k
2020: €21k
2021: €12k
2022: €92k
2023: €90k
2024: €73k
2019 → 2025
Working capital
€553k▲ 12.7%
2024 · €491k
2019: €259k
2020: €226k
2021: €231k
2022: €326k
2023: €416k
2024: €491k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€340k▲ 37.2%€429k▲ 26.4%€503k▲ 17.0%€568k▲ 13.1%
Operating result€20k-€125k▲ 528%€134k▲ 7.1%€101k▼ 24.8%€87k▼ 13.6%
Net result€12k-€92k▲ 644%€90k▼ 2.8%€73k▼ 18.3%€66k▼ 10.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €739k
Fixed assets
€18k▼ 35.2%
Current assets
€722k▲ 16.1%
Equity and liabilities €739k
Equity
€568k▲ 13.1%
Debt
€171k▲ 16.9%
The debt ratio rises from 22.5% to 23.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €114k
Cash flow
€79k▼
2024 · €87k
Solvency
76.9%▼
2024 · 77.5%
Current ratio
4.29▼
2024 · 4.76
Quick ratio
4.29▼
2024 · 4.76
Debt / equity
0.30▲
2024 · 0.29
ROE
11.6%▼
2024 · 14.6%
ROA
8.9%▼
2024 · 11.3%
Interest coverage
24.60▼
2024 · 35.95
Debt
€171k▲
2024 · €146k
Debt ≤ 1 year
€168k▲
2024 · €131k
Debt > 1 year
€3k▼
2024 · €16k
Income taxes
€17k▼
2024 · €24k
Staff costs
€22k
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€649k€739k▲
Fixed assets21/28€27k€18k▼
Tangible fixed assets22/27€27k€17k▼
Plant, machinery and equipment23€12k€12k▼
Furniture and vehicles24€15k€6k▼
Financial fixed assets28€390€390=
Current assets29/58€622k€722k▲
Amounts receivable within one year40/41€606k€709k▲
Trade receivables40€14k€20k▲
Other amounts receivable41€593k€689k▲
Cash at bank and in hand54/58€13k€10k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€649k€739k▲
Equity10/15€503k€568k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€482k€548k▲
Amounts payable17/49€146k€171k▲
Amounts payable after more than one year17€16k€3k▼
Financial debts170/4€16k€3k▼
Amounts payable within one year42/48€131k€168k▲
Current portion of amounts payable after more than one year42€30k€37k▲
Financial debts43€6k€6k▲
Credit institutions430/8€6k€6k▲
Trade debts44€70k€96k▲
Suppliers440/4€70k€96k▲
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€11k€12k▲
Taxes450/3€11k€7k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€14k€14k=
Income statement
Code20242025
Remuneration, social security and pensions62-€22k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k-
Gross operating margin9900€116k€123k▲
Operating profit (loss)9901€101k€87k▼
Financial income75/76B€32-
Recurring financial income75€32-
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€98k€83k▼
Income taxes67/77€24k€17k▼
Profit (loss) for the period9904€73k€66k▼
Profit (loss) for the period to be appropriated9905€73k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€482k€548k▲
Profit (loss) brought forward from the previous period14P€409k€482k▲
The notes to these accounts (7 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
30-06
Financial
Equity above €500kEq €503k ▲17%
6 profitable years in a row build equity to €503k.
2023
17-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €92k ▲644%
Net result €92k, the highest in the series.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Weakest financial yearnet €12k ▼41.6%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Etterbeek · 1 establishment unit since 2006
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.
Jachtlaan 1351040 EtterbeekGround area
196 m²
Building footprint
196 m²
Volume, LiDAR
859 m³
2 parcels, Brussels, Wallonia · tallest building 17.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
GENERAL HOUSING GROUP
since 20062.152.964.587
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25019B0147/00M000 | Wallonia | 120 m² | 1 · 132 m² | - |
| 21364B0183/00H003 | Brussels | 75 m² | 1 · 63 m² | 17.8 m · 5 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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DE STERCKE P.
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MZK CONSTRUCT
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STELO TECH
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EUROSAFE
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Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 4,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded29-03-2006
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.