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Habit-Assist

Active
Private limited companyfounded 2023active for 3 yearsLeyse Hoevestraat 39, 2260 Westerlo, BelgiumKBO/BCE: BE 0798.676.818
Summary

The computed 12-month bankruptcy probability of Habit-Assist is 3.0% (moderate). The 2025 annual accounts show negative equity (-€24,581) and a net result of €8,435. Equity is shrinking by about 52% per year across the filed financial years. Its solvency ranks better than 11% of 9,327 sector peers (NACE 41, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
Habit-AssistActiveChecked score 50/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€789,108total assets 2025
Equity
-€24,581
Profit
€8,435
Turnover not published (micro format)
Financial health
50 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
3.0%
Structure
2025 accounts filed 54 days late
Why 50raises riskSector: Construction of residential and non-residential buildings (NACE 41)Last filed accounts filed 54 days late; 3 of the last 3 lateNegative equity -€24,581lowers riskSize: total assets €789,108Show the evidence

Checked score

Score 2025
50 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 28% of its sector peers (NACE 41, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 22+3
equity -3.1% of total assets
Liquidity 7-23
short-term debt 98.7% · cash 5.8%
Profitability 48+38
return on assets 1.1%
Bankruptcy probability, 12 months
3.0% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,441 companies, NACE 41, micro)
Last 24 months 11-2024: 6.8% 12-2024: 6.8%● unchanged vs 11-2024 01-2025: 6.6%▼ -0.2 percentage points vs 12-2024 02-2025: 6.8%▲ +0.2 percentage points vs 01-2025 03-2025: 6.8%● unchanged vs 02-2025 04-2025: 6.9%▲ +0.1 percentage points vs 03-2025 05-2025: 6.8%▼ -0.1 percentage points vs 04-2025 06-2025: 6.7%▼ -0.1 percentage points vs 05-2025 07-2025: 6.7%● unchanged vs 06-2025 08-2025: 7.1%▲ +0.4 percentage points vs 07-2025 09-2025: 7.2%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 5.7%▼ -1.5 percentage points vs 09-2025 11-2025: 5.7%● unchanged vs 10-2025 12-2025: 5.7%● unchanged vs 11-2025 01-2026: 5.7%● unchanged vs 12-2025 02-2026: 5.7%● unchanged vs 01-2026 03-2026: 5.7%● unchanged vs 02-2026 04-2026: 5.7%● unchanged vs 03-2026 05-2026: 5.5%▼ -0.2 percentage points vs 04-2026 06-2026: 5.5%● unchanged vs 05-2026 07-2026: 5.5%● unchanged vs 06-2026 08-2026: 6.0%▲ +0.5 percentage points vs 07-2026 09-2026: 6.1%▲ +0.1 percentage points vs 08-2026 10-2026: 3.0%▼ -3.1 percentage points vs 09-2026lowest value
No credit on open account
Liquidity insufficient (current ratio 0.93, compared with 1.88 in 2024, below 1; short-term debt: 98.7% and cash: 5.8% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro): better than 10% on solvency, 8% on liquidity, 28% on profitability and 68% on growth.

The bankruptcy probability was computed on 27-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Last filed accounts filed 54 days late; 3 of the last 3 late
NBB · filings
lowers risk · Size: total assets €789,108
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Negative equity -€24,581
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 9327 sector peers (2025).
NBB · sector comparison
Position among 9327 sector peers
Solvency
better than 11%
← weakest strongest →
raises risk · 2025 accounts filed 54 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 3 filings
Deviation from the deadline
2025
54 days late
2024
61 days late
2023
71 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 62 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 September (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €8,435
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€24,581 View
  • Caution: Among the weakest 6% on equitysector median €45,638 · 9,330 companies -€24,581 View
  • One director decidessole director in office 1 View

By topic

Financials

Financial year
2025
Total assets
€789,108
Profit
€8,435
Solvency
-3.1%
Total assets▲ 54.2%
Net result
20232025
Go to Financials

Timeline

Events
6
Since
2023
Next accounts
by 31-07-2027
  1. 31-12-2024Weakest financial year
  2. 10-10-2024Annual accounts filed
  3. 23-02-2023Incorporation
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
21-02-2023
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
33
Who signs
Each director alone
Annual meeting
Second Tuesday of June at 18:00
Purpose
“Onderneming voor, aannemer van: bouw- en infrastructuurwerken, voor beroepsmatig…” (deed in Dutch)
Statutory auditor
No statutory auditor
Go to Articles of association

Key facts about Habit-Assist

What is the company number of Habit-Assist?
0798.676.818. In Belgium the VAT number is the company number with BE in front: BE 0798.676.818.
Where is Habit-Assist based?
The registered office is at Leyse Hoevestraat 39, 2260 Westerlo.Company details
What does Habit-Assist do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of Habit-Assist?
Private limited company (BV).
When was Habit-Assist founded?
On 21-02-2023.
Is Habit-Assist still active?
Yes, Habit-Assist is an active enterprise in the KBO register.
What is the turnover of Habit-Assist?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Habit-Assist profitable?
In financial year 2025, Habit-Assist made a profit of €8,435.
Where can I find the annual accounts of Habit-Assist?
Habit-Assist filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Habit-Assist due?
By 31-07-2027, for financial year 2026.Timeline

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