HABITAT CONSTRUCT
HABITAT CONSTRUCT has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €389k and a net result of €-177k. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 50% of 2088 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
| Equity | €389k |
| Net result | €-177k |
| Staff (FTE) | 1.3 |
| Better than sector | 50% |
Mixed profile: strong on stability, weaker on profitability.
All 5 axes are computed from data Checked has read.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 38.6% | 38.6% | |
| Net result | €-177k | €23k | |
| Equity | €389k | €302k | |
| Gross operating margin | €-26k | €196k | |
| Staff costs | €71k | €208k |
Figures by fiscal year and ratios
| Fiscal year | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | €2.19M | - |
| EBITDA | €-102k | €149k | €-146k | €59k |
| Net profit | €-177k | €90k | €-164k | €34k |
| Cash flow | €-127k | €123k | €-153k | €48k |
| Staff costs | €71k | €143k | €189k | €320k |
| Income taxes | €2 | - | - | - |
| Dividends | - | - | - | - |
| Total assets | €1.01M | €1.16M | €1.28M | €1.06M |
| Equity | €389k | €566k | €476k | €640k |
| Debt | €618k | €595k | €804k | €421k |
| of which ≤ 1y | €319k | €229k | €679k | €418k |
| of which > 1y | €299k | €366k | €125k | - |
| Working capital | €421k | €690k | €583k | €615k |
| Employees (FTE) | 1.3 | 2.8 | 4.0 | 7.0 |
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Current ratio | 2.32 | 4.01 | 1.86 | 2.47 |
| Quick ratio | 1.83 | 3.04 | 1.43 | 2.02 |
| Working capital ratio | 41.8% | 59.4% | 45.5% | 58.0% |
| Solvency | 38.6% | 48.7% | 37.2% | 60.3% |
| Debt / equity | 1.59 | 1.05 | 1.69 | 0.66 |
| Long-term debt ratio | 0.77 | 0.65 | 0.26 | - |
| Interest coverage | -4.11 | 5.54 | -15.32 | 5.05 |
| Gross margin | - | - | -0.4% | - |
| Net margin | - | - | -7.5% | - |
| ROA | -17.5% | 7.7% | -12.8% | 3.3% |
| ROE | -45.3% | 15.8% | -34.4% | 5.4% |
| EBITDA margin | - | - | -6.7% | - |
| Days sales outstanding | - | - | 143d | - |
| Days payable outstanding | - | - | 98d | - |
| Inventory turnover | - | - | 7.64 | - |
| Days inventory (DSI) | - | - | 48d | - |
Full annual accounts (27 line items)
| Line item | Code | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.01M | €1.16M | €1.28M | €1.06M |
| Fixed assets | 21/28 | €267k | €242k | €19k | €27k |
| Intangible fixed assets | 21 | €16k | €19k | - | - |
| Tangible fixed assets | 22/27 | €250k | €223k | €18k | €26k |
| Financial fixed assets | 28 | €873 | - | €974 | €974 |
| Current assets | 29/58 | €741k | €919k | €1.26M | €1.03M |
| Stocks & contracts in progress | 3 | €157k | €222k | €288k | €187k |
| Amounts receivable within one year | 40/41 | €345k | €297k | €888k | €692k |
| Investments | 50/53 | - | - | - | €3k |
| Cash & bank | 54/58 | €232k | €394k | €78k | €85k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.01M | €1.16M | €1.28M | €1.06M |
| Equity | 10/15 | €389k | €566k | €476k | €640k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €371k | €547k | €458k | €621k |
| Amounts payable | 17/49 | €618k | €595k | €804k | €421k |
| Amounts payable after one year | 17 | €299k | €366k | €125k | - |
| Amounts payable within one year | 42/48 | €319k | €229k | €679k | €418k |
| Trade debts payable within one year | 44 | €124k | €142k | €587k | €379k |
| Income statement | |||||
| Turnover | 70 | - | - | €2.19M | - |
| Gross operating margin | 9900 | €-26k | €315k | €112k | €381k |
| Operating result | 9901 | €-152k | €116k | €-156k | €45k |
| Financial income | 75 | €757 | €936 | €2k | €1k |
| Financial charges | 65 | €25k | €27k | €10k | €12k |
| Result before taxes | 9903 | €-177k | €90k | €-164k | €34k |
| Income taxes | 67/77 | €2 | - | - | - |
| Net result for the period | 9904 | €-177k | €90k | €-164k | €34k |
| Result to be appropriated | 9905 | €-177k | €90k | €-164k | €34k |
-
Current08-05-2026 → present
-
BV BilaxLegal entityRechtspersoon belast met dagelijks bestuur· perm. rep.: Billy AckaertState Gazette act 26039098 (19-03-2026)Current31-01-2026 → present
-
Current14-07-2022 → present
-
BEMAWAPrivate limited companyDaily management· perm. rep.: Filip DEBAENEState Gazette act 22121461 (13-10-2022)Current14-07-2022 → present
-
BILAXPrivate limited companyDirector· perm. rep.: Billy ACKAERTState Gazette act 22121461 (13-10-2022)Current14-07-2022 → present
-
TRENDY LIVINGPrivate limited companyDirector· perm. rep.: Peter D'HONDTState Gazette act 22121461 (13-10-2022)Current14-07-2022 → present
Former directors (1)
-
BV BemawaLegal entityRechtspersoon belast met dagelijks bestuur· perm. rep.: Filip DebaeneState Gazette act 26039098 (19-03-2026)Former- → 30-01-2026
2 events
- 30-01-2026 Resigned· Rechtspersoon belast met dagelijks bestuur
- 30-01-2025 Resigned· Non-statutory director
| NACE primary | General construction of residential buildings(41001) |
| Legal form | Private limited company(610) |
| Incorporation | 22-12-1976 |
| Status | Active |
| Postal code | 8750 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018E0023/00K000 | Flanders | 1,151 m² | - | - |
19-03
State Gazette act
Resignations & appointmentsGeneral meeting · Board meeting · Director resignation9 facts ▸
- General meeting, 27/01/2026
- Board meeting, 27/01/2026
- Director resignation, BV BEMAWA (niet-statutaire bestuurder)
- Permanent representative, Filip Debaene
- Director resignation, BV BEMAWA (rechtspersoon belast met dagelijks bestuur)
- Permanent representative, Filip Debaene
- Board meeting, 28/01/2026
- Director appointment, BV Bilax (rechtspersoon belast met dagelijks bestuur)
- Permanent representative, Billy Ackaert
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
08-05-2026 General meeting · Officer appointment · Officer resignation · Mandate term
- Filing: 2026-04-29 · Habitat Construct
- General meeting: 2026-03-20 · Habitat Construct
- Officer appointment: role: niet-statutaire bestuurder, start_date: 2026-03-20 · Caroline Ruysschaert
- Officer resignation: role: bestuurder, reason: vacant mandate · BV Bemawa
- Mandate term: onbepaalde duur · Caroline Ruysschaert
- Mandate compensation: onbezoldigd · Caroline Ruysschaert
- Permanent representative: vaste vertegenwoordiger · Peter D'hondt
- Publication: 2026-05-08
- Act object: Benoemingen
Technical details
{
"facts": [
{
"type": "filing",
"quote": "29 APR. 2026",
"value": "2026-04-29",
"object": null,
"subject": "e1"
},
{
"type": "general_meeting",
"quote": "Bij beraadslaging dd. 20/03/2026 heeft de algemene vergadering over de volgende zaken vergaderd en als volgt beslist.",
"value": "2026-03-20",
"object": null,
"subject": "e1"
},
{
"type": "officer_appointment",
"quote": "De algemene vergadering beslist tot de benoeming van Caroline Ruysschaert, met woonplaats te 8200 Sint-Andries Beaucourtstraat 11, als niet-statutaire bestuurder, en dit met ingang op 20/03/2026",
"value": {
"role": "niet-statutaire bestuurder",
"start_date": "2026-03-20"
},
"object": "e1",
"subject": "e2"
},
{
"type": "officer_resignation",
"quote": "ter invulling van het vacante mandaat dat voordien werd ingevuld door BV Bemawa.",
"value": {
"role": "bestuurder",
"reason": "vacant mandate"
},
"object": "e1",
"subject": "e3"
},
{
"type": "mandate_term",
"quote": "Dit mandaat geldt voor onbepaalde duur.",
"value": "onbepaalde duur",
"object": "e1",
"subject": "e2"
},
{
"type": "mandate_compensation",
"quote": "Het mandaat is onbezoldigd, tenzij de algemene vergadering daar met een gewone meerderheid anders over zou beslissen.",
"value": "onbezoldigd",
"object": "e1",
"subject": "e2"
},
{
"type": "permanent_representative",
"quote": "BV Trendy Living (met vaste vertegenwoordiger Peter D\u0027hondt)",
"value": "vaste vertegenwoordiger",
"object": "e4",
"subject": "e5"
},
{
"type": "publication",
"quote": "Belgisch Staatsblad - 08/05/2026",
"value": "2026-05-08",
"object": null,
"subject": null
},
{
"type": "act_object",
"quote": "Onderwerp akte : Benoemingen",
"value": "Benoemingen",
"object": null,
"subject": null
}
],
"act_meta": {
"model_id": 40,
"extractor": "open-capture-27b-v3",
"ocr_chars": 1641,
"truncated": false,
"needs_verify": false
},
"entities": [
{
"id": "e1",
"kbo": "0416.661.916",
"kind": "company",
"name": "Habitat Construct",
"attrs": {
"seat": "Ruiseledesteenweg 32, 8750 Wingene",
"legal_form": "Besloten vennootschap (BV)"
}
},
{
"id": "e2",
"kbo": null,
"kind": "person",
"name": "Caroline Ruysschaert",
"attrs": {
"address": "8200 Sint-Andries Beaucourtstraat 11"
}
},
{
"id": "e3",
"kbo": null,
"kind": "company",
"name": "BV Bemawa",
"attrs": {}
},
{
"id": "e4",
"kbo": null,
"kind": "company",
"name": "BV Trendy Living",
"attrs": {}
},
{
"id": "e5",
"kbo": null,
"kind": "person",
"name": "Peter D\u0027hondt",
"attrs": {
"role": "vaste vertegenwoordiger"
}
}
]
}19-03-2026 General meeting · Board meeting · Officer resignation · Permanent representative
- Publication: 19/03/2026 · Habitat Construct
- Filing: 11/03/2026 · Habitat Construct
- General meeting: 27/01/2026 · Habitat Construct
- Board meeting: 27/01/2026 · Habitat Construct
- Officer resignation: role: niet-statutaire bestuurder, end_date: 2025-01-30 · BV BEMAWA
- Permanent representative: end_date: 30/01/2026 · Filip Debaene
- Officer resignation: role: rechtspersoon belast met dagelijks bestuur, end_date: 2026-01-30 · BV BEMAWA
- Permanent representative: end_date: 30/01/2026 · Filip Debaene
- Board meeting: 28/01/2026 · Habitat Construct
- Officer appointment: role: rechtspersoon belast met dagelijks bestuur, term: onbepaalde duur, start_date: 2026-01-31 · BV Bilax
- Permanent representative: start_date: 31/01/2026 · Billy Ackaert
Technical details
{
"facts": [
{
"date": "2026-03-19",
"type": "publication",
"quote": "Bijlagen bij het Belgisch Staatsblad - 19/03/2026",
"value": "19/03/2026",
"object": null,
"subject": "e1"
},
{
"date": "2026-03-11",
"type": "filing",
"quote": "NEERLEGGING TER GRIFFIE VAN E ONDERNEMINGSRE\u0421\u041D\u0422\u042B\u0410 GENT afdeling BRUGCE 1 1 A 2026",
"value": "11/03/2026",
"object": null,
"subject": "e1"
},
{
"date": "2026-01-27",
"type": "general_meeting",
"quote": "Bij beraadslaging dd. 27/01/2026 heeft de algemene vergadering over de volgende zaken vergaderd",
"value": "27/01/2026",
"object": null,
"subject": "e1"
},
{
"date": "2026-01-27",
"type": "board_meeting",
"quote": "Bij beraadslaging dd. 27/01/2026 heeft het bestuursorgaan over de volgende zaken vergaderd",
"value": "27/01/2026",
"object": null,
"subject": "e1"
},
{
"type": "officer_resignation",
"quote": "De algemene vergadering beslist tot het ontslag van BV BEMAWA ... als niet-statutaire bestuurder, en dit met ingang op 30/01/2025. De algemene vergadering verleent deze persoon geen kwijting",
"value": {
"role": "niet-statutaire bestuurder",
"end_date": "2025-01-30"
},
"object": "e1",
"subject": "e2",
"_value_raw": {
"role": "niet-statutaire bestuurder",
"end_date": "30/01/2025",
"discharge": false
}
},
{
"type": "permanent_representative",
"quote": "De algemene vergadering beslist tot het ontslag van Filip Debaene als vaste vertegenwoordiger ... van de rechtspersoon BV Bemawa, en dit met ingang op 30/01/2026.",
"value": {
"revoked": true,
"end_date": "30/01/2026"
},
"object": "e2",
"status": "revoked",
"subject": "e3"
},
{
"type": "officer_resignation",
"quote": "Het bestuursorgaan beslist tot het ontslag van BV BEMAWA ... als rechspersoon belast met het dagelijks bestuur, en dit met ingang op 30/01/2026. De algemene vergadering verleent deze persoon geen kwijting",
"value": {
"role": "rechtspersoon belast met dagelijks bestuur",
"end_date": "2026-01-30"
},
"object": "e1",
"subject": "e2",
"_value_raw": {
"role": "rechtspersoon belast met dagelijks bestuur",
"end_date": "30/01/2026",
"discharge": false
}
},
{
"type": "permanent_representative",
"quote": "Het bestuursorgaan heeft tevens beslist tot het ontslag van Filip Debaene als vaste vertegenwoordiger van BV Bemawa ... en dit met ingang op 30/01/2026.",
"value": {
"revoked": true,
"end_date": "30/01/2026"
},
"object": "e2",
"status": "revoked",
"subject": "e3"
},
{
"date": "2026-01-28",
"type": "board_meeting",
"quote": "Bij beraadslaging dd. 28/01/2026 heeft het bestuursorgaan over de volgende zaken vergaderd",
"value": "28/01/2026",
"object": null,
"subject": "e1"
},
{
"date": "2026-01-31",
"type": "officer_appointment",
"quote": "Het bestuursorgaan beslist tot de benoeming van BV Bilax ... als persoon belast met dagelijks bestuur met ingang op 31/01/2026. Dit mandaat geldt voor onbepaalde duur.",
"value": {
"role": "rechtspersoon belast met dagelijks bestuur",
"term": "onbepaalde duur",
"start_date": "2026-01-31"
},
"object": "e1",
"subject": "e4",
"_value_raw": {
"role": "rechtspersoon belast met dagelijks bestuur",
"term": "onbepaalde duur",
"start_date": "31/01/2026"
}
},
{
"date": "2026-01-31",
"type": "permanent_representative",
"quote": "Rechtspersoon BV Bilax heeft Billy Ackaert ... benoemd als vaste vertegenwoordiger ... en dit met ingang op 31/01/2026.",
"value": {
"start_date": "31/01/2026"
},
"object": "e4",
"subject": "e5"
}
],
"act_meta": {
"outcome": "corrected",
"model_id": 50,
"verified": true,
"extractor": "verified-v1",
"ocr_chars": 3906,
"truncated": false
},
"entities": [
{
"id": "e1",
"kbo": "0416.661.916",
"kind": "company",
"name": "Habitat Construct",
"attrs": {
"seat": "Ruiseledesteenweg 32, 8750 Wingene",
"legal_form": "Besloten vennootschap (BV)"
}
},
{
"id": "e2",
"kbo": null,
"kind": "company",
"name": "BV BEMAWA",
"attrs": {
"seat": "8750 Wingene Kerkplein 20"
}
},
{
"id": "e3",
"kbo": null,
"kind": "person",
"name": "Filip Debaene",
"attrs": {}
},
{
"id": "e4",
"kbo": null,
"kind": "company",
"name": "BV Bilax",
"attrs": {
"seat": "8020 Waardamme Rooiveldstraat 20"
}
},
{
"id": "e5",
"kbo": null,
"kind": "person",
"name": "Billy Ackaert",
"attrs": {
"address": "8020 Waardamme, Rooiveldstraat 20"
}
},
{
"id": "e6",
"kbo": null,
"kind": "company",
"name": "BV Trendy Living",
"attrs": {}
},
{
"id": "e7",
"kbo": null,
"kind": "person",
"name": "Peter D\u0027hondt",
"attrs": {}
}
]
}07-09-2023 Articles of association amended
Technical details
{
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"statute_change": {
"name_change": false,
"seat_change": false,
"object_change": true,
"effective_date": "2023-08-23",
"legal_form_change": false
},
"bedrijfsrevisor": null,
"subject_company": {
"kbo": "0416.661.916",
"name_full": "HABITAT CONSTRUCT",
"legal_form": "BVBA"
},
"signature_regime": null,
"special_mandates": [],
"governance_change": {
"admin_delegated_added": []
}
}13-10-2022 4 directors appointed
- Billy ACKAERT, Bestuurder
- Axelle D'HONDT, Bestuurder
- Peter D'HONDT, Bestuurder
- Filip DEBAENE, Dagelijks bestuur
Technical details
{
"events": [
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Billy ACKAERT",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0783899857",
"name": "BV Bilax",
"address": null,
"country": null,
"legal_form": null
},
"effective_date": "2022-07-14",
"evidence_quote": "De benoeming als bestuurders, met onmiddellijke ingang, van: - BV Bilax, met zete) te 8020 WAARDAMME, Rooiveldstraat 20, gekend in de Kruispuntbank der Ondernemingen onder het nummer 0783.899.857, met als vast vertegenwoordiger Billy ACKAERT;"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Axelle D\u0027HONDT",
"address": null,
"birth_date": null
},
"effective_date": "2022-07-14",
"evidence_quote": "De benoeming als bestuurders, met onmiddellijke ingang, van: ... - Axelle D\u0027HONDT, wonende te 8020 WAARDAMME, Rooiveldstraat 20;"
},
{
"kind": "director_in",
"role": "bestuurder",
"person": {
"rrn": null,
"name": "Peter D\u0027HONDT",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0724837448",
"name": "BV Trendy Living",
"address": null,
"country": null,
"legal_form": null
},
"effective_date": "2022-07-14",
"evidence_quote": "De benoeming als bestuurders, met onmiddellijke ingang, van: ... - BV Trendy Living, met zetel te 8200 SINT-ANDRIES, Beaucourtstraat 11, gekend in de Kruispuntbank der Ondernemingen onder het nummer 0724.837.448, met als vast vertegenwoordiger Peter D\u0027HONDT."
},
{
"kind": "director_in",
"role": "dagelijks_bestuur",
"person": {
"rrn": null,
"name": "Filip DEBAENE",
"address": null,
"birth_date": null
},
"via_org": {
"kbo": "0849288448",
"name": "BV BEMAWA",
"address": null,
"country": null,
"legal_form": null
},
"effective_date": "2022-07-14",
"evidence_quote": "De benoeming als dagelijks bestuurder, met onmiddellijke ingang, van: - BV BEMAWA, met zetel te 8750 WINGENE, Ruiseledesteenweg 32, gekend in de Kruispuntbank der Ondernemingen onder het nummer 0849.288.448, met als vast vertegenwoordiger Filip DEBAENE"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0416.661.916",
"name_full": "HABITAT CONSTRUCT",
"legal_form": "BVBA"
}
}03-04-2014 Capital decrease of €31,028.70 to €18,550
- €49.578,70 → €18.550
Technical details
{
"events": [
{
"kind": "capital_decrease",
"amount": 31028.7,
"currency": "EUR",
"after_eur": 18550.0,
"delta_eur": -31028.7,
"before_eur": 49578.7,
"amount_type": "kapitaal_effectief",
"effective_date": "2014-03-17",
"evidence_quote": "De vergadering besluit het kapitaal te verminderen met eenendertigduizend achtentwintig euro zeventig cent (31.028,70 EUR) om het kapitaal te brengen van negenenveertigduizend vijfhonderd achtenzeventig euro zeventig cent (49.578,70 EUR) tot ACHTTIENDUIZEND VIJFHONDERD VIJFTIG EURO (18.550,00 EUR), door terugbetaling aan de vennoten van een bedrag van vijftien euro eenenvijftig cent (15,51 EUR) voor elk van de tweeduizend (2.000) aandelen en dit zonder vernietiging van aandelen.",
"contribution_type": "cash"
}
],
"schema": "v3.2",
"act_meta": {
"model_id": 36,
"extractor": "constrained-core-35b"
},
"subject_company": {
"kbo": "0416.661.916",
"name_full": "HABITAT-WONINGBOUW",
"legal_form": "BVBA"
}
}| Legal nameNL | HABITAT CONSTRUCT |