HABIMMO
ActiveSummary
HABIMMO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €20k. Equity is shrinking by ~13.8% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-20
Solvency94▲+25
Growth22▼-16
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 1.55 in 2024; short-term debt: 30.8% and cash: 58.8% of total assets), and 30.8% of the assets are financed with debt.
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Signals
Six 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
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
69.2%
Return on assets
9.2%
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 12-08-2026, 12 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
12 d late
2024
13 d late
2023
23 d early
2022
35 d early
2021
33 d early
2020
60 d early
2019
19 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, full schema
Turnover
€106k▼ 0.6%
2019 · €107k
EBIT margin
36.9%▼ 7.5pp
2019 · 44.4%
Net result
€20k▼ 93.5%
2024 · €303k
Working capital
€90k▼ 32.5%
2024 · €133k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result€29k▼ 26.4%€-35k€118k€351k▲ 198%€113k▼ 67.8%
Net result€10k▼ 59.6%€-35k€111k€303k▲ 173%€20k▼ 93.5%
EBIT margin
Equity€222k▼ 12.9%€138k▼ 37.7%€129k▼ 6.4%€193k▲ 49.0%€148k▼ 23.1%
Total assets€292k▼ 4.3%€292k=€253k▼ 13.4%€434k▲ 71.6%€214k▼ 50.6%
Debt€70k▲ 38.7%€154k▲ 119%€124k▼ 19.7%€241k▲ 95.4%€66k▼ 72.6%
Working capital€119k▼ 14.6%€54k▼ 54.6%€58k▲ 8.5%€133k▲ 128%€90k▼ 32.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€58k ▼ 2.1%
Current assets
€156k ▼ 58.3%
Equity and liabilities €214k
Equity
€148k ▼ 23.1%
Debt
€66k ▼ 72.6%
Debt's share of the balance-sheet total falls from 55.6% to 30.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€114k▼
2024 · €356k
Cash flow
€21k▼
2024 · €309k
Current ratio
2.36▲
2024 · 1.55
Debt to equity
0.45▼
2024 · 1.25
ROE
13.3%▼
2024 · 157.3%
ROA
9.2%▼
2024 · 69.9%
Interest coverage
1329.22▲
2024 · 260.18
Debt ≤ 1 year
€66k▼
2024 · €241k
Income taxes
€93k▲
2024 · €46k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €16k | €0 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €45k | - | €24k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €20k | €19k | €13k | €5k | €1k | ▼ 75.3% |
| Other operating charges640/8 | €12k | €10k | €11k | €14k | €12k | ▼ 17.9% |
| Gross operating margin9900 | €61k | €-6k | €143k | €371k | €126k | ▼ 66.0% |
| Operating profit (loss)9901 | €29k | €-35k | €118k | €351k | €113k | ▼ 67.8% |
| Financial income75/76B | - | - | €14 | - | - | - |
| Recurring financial income75 | - | - | €14 | - | - | - |
| Financial charges65/66B | €158 | €60 | €65 | €2k | €86 | ▼ 94.9% |
| Recurring financial charges65 | €158 | €60 | €65 | €1k | €86 | ▼ 93.7% |
| Non-recurring financial charges66B | - | - | - | €305 | - | - |
| Profit (loss) for the period before taxes9903 | €29k | €-35k | €118k | €350k | €113k | ▼ 67.7% |
| Income taxes67/77 | €19k | - | €7k | €46k | €93k | ▲ 102% |
| Profit (loss) for the period9904 | €10k | €-35k | €111k | €303k | €20k | ▼ 93.5% |
| Profit (loss) for the period to be appropriated9905 | €10k | €-35k | €111k | €303k | €20k | ▼ 93.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €292k | €292k | €253k | €434k | €214k | ▼ 50.6% |
| Fixed assets21/28 | €103k | €85k | €71k | €60k | €58k | ▼ 2.1% |
| Tangible fixed assets22/27 | €103k | €84k | €71k | €60k | €58k | ▼ 2.1% |
| Land and buildings22 | €95k | €78k | €66k | €55k | €55k | ▼ 1.0% |
| Plant, machinery and equipment23 | €7k | €6k | €5k | €4k | €4k | ▼ 16.7% |
| Furniture and vehicles24 | €1k | €580 | €0 | - | - | - |
| Financial fixed assets28 | €304 | €305 | €305 | - | - | - |
| Current assets29/58 | €189k | €208k | €182k | €375k | €156k | ▼ 58.3% |
| Amounts receivable within one year40/41 | €5k | €16k | €26k | €25k | €30k | ▲ 20.0% |
| Other amounts receivable41 | €5k | €16k | €26k | €25k | €30k | ▲ 20.0% |
| Cash at bank and in hand54/58 | €184k | €192k | €156k | €350k | €126k | ▼ 63.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €292k | €292k | €253k | €434k | €214k | ▼ 50.6% |
| Equity10/15 | €222k | €138k | €129k | €193k | €148k | ▼ 23.1% |
| Contributions10/11 | €115k | €115k | €115k | €115k | €115k | = |
| Capital10 | €115k | €115k | €115k | €115k | €115k | = |
| Issued capital100 | €115k | €115k | €115k | €115k | €115k | = |
| Reserves13 | €12k | €12k | €12k | €12k | €12k | = |
| Non-distributable reserves130/1 | €12k | €12k | €12k | €12k | €12k | = |
| Legal reserve130 | €12k | €12k | €12k | €12k | €12k | = |
| Profit (loss) carried forward14 | €95k | €12k | €3k | €66k | €21k | ▼ 67.5% |
| Amounts payable17/49 | €70k | €154k | €124k | €241k | €66k | ▼ 72.6% |
| Amounts payable within one year42/48 | €70k | €154k | €124k | €241k | €66k | ▼ 72.6% |
| Financial debts43 | €1k | €1k | €1k | €1k | €1k | = |
| Other loans439 | €1k | €1k | €1k | €1k | €1k | = |
| Trade debts44 | €2k | €3k | €2k | €130 | €686 | ▲ 428% |
| Suppliers440/4 | €2k | €3k | €2k | €130 | €686 | ▲ 428% |
| Other amounts payable47/48 | €67k | €150k | €120k | €240k | €64k | ▼ 73.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €10k | €-35k | €111k | €303k | €20k | ▼ 93.5% |
| + Depreciation and write-downs630 | €20k | €19k | €13k | €5k | €1k | ▼ 75.3% |
| Operating cash flow (approximation) | €30k | €-17k | €125k | €309k | €21k | ▼ 93.2% |
| Investment in fixed assets (approximation) | - | €-1 | €0 | €6k | €0 | ▼ 100% |
| Change in cash | - | €8k | €-36k | €194k | €-223k | ▼ 215% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
31-12
Financial
Highest result since 2018net €303k ▲173%
Operating result €351k, net result €303k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲49%
2 profitable years in a row build equity to €193k.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €111k
Net result €111k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €-206k
Net result drops to €-206k, the lowest in the series; recovery starts the following year.
Show earlier events
08-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 8 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 1989
Ground area
331 m²
Building footprint
74 m²
Volume, LiDAR
687 m³
Parcel 21674C0299/00N007, Brussels · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Generaal Bastinlaan 16, 1200 Sint-Lambrechts-Woluwe
since 19892.045.712.578
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21674C0299/00N007 | Brussels | 331 m² | 1 · 74 m² | 13.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded19-09-1989
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.