HABITAT CONSTRUCT
ActiveHABITAT CONSTRUCT has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €138k and a net result of €12k. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 1302 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
79
/ 100
Excellent▼ -10 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-39
Solvency90▲+33
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 1.19 in 2023), but 54.9% of the assets are financed with debt.
Credit advice for your own amount and term
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 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
not confirmed
2024
22 d late
2023
2 d late
2022
153 d late
2021
31 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▼ 41.3%
2023 · €21k
2018: €16k
2019: €3k
2020: €52k
2021: €-8k
2022: €12k
2023: €21k
2018 → 2024
Working capital
€122k▲ 150%
2023 · €49k
2018: €30k
2019: €30k
2020: €75k
2021: €57k
2022: €30k
2023: €49k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€101k-€92k▼ 8.3%€104k▲ 12.9%€125k▲ 20.0%€138k▲ 9.8%
Operating result€69k-€-6k€30k€35k▲ 16.6%€29k▼ 17.0%
Net result€52k-€-8k€12k€21k▲ 74.7%€12k▼ 41.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 17% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €305k
Fixed assets
€65k▼ 15.4%
Current assets
€240k▼ 19.6%
Equity and liabilities €305k
Equity
€138k▲ 9.8%
Debt
€168k▼ 33.0%
The debt ratio falls from 66.7% to 54.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€47k▼
2023 · €50k
Cash flow
€30k▼
2023 · €36k
Solvency
45.1%▲
2023 · 33.3%
Current ratio
2.02▲
2023 · 1.19
Quick ratio
2.02▲
2023 · 1.19
Debt / equity
1.22▼
2023 · 2.00
ROE
8.9%▼
2023 · 16.7%
ROA
4.0%▼
2023 · 5.6%
Interest coverage
6.31▼
2023 · 9.81
Debt
€168k▼
2023 · €250k
Debt ≤ 1 year
€119k▼
2023 · €250k
Income taxes
€9k▼
2023 · €11k
Staff costs
€240k▲
2023 · €203k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€376k€305k▼
Fixed assets21/28€77k€65k▼
Tangible fixed assets22/27€72k€60k▼
Land and buildings22€41k€39k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€28k€19k▼
Other tangible fixed assets26-€1k
Financial fixed assets28€5k€5k=
Current assets29/58€299k€240k▼
Stocks and contracts in progress3€2k-
Stocks30/36€2k-
Amounts receivable within one year40/41€74k€55k▼
Trade receivables40€34k€25k▼
Other amounts receivable41€40k€30k▼
Cash at bank and in hand54/58€209k€152k▼
Deferred charges and accrued income490/1€14k€33k▲
Equity and liabilities
Total equity and liabilities10/49€376k€305k▼
Equity10/15€125k€138k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€9k€19k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€3k€13k▲
Profit (loss) carried forward14€54k€57k▲
Amounts payable17/49€250k€168k▼
Amounts payable within one year42/48€250k€119k▼
Current portion of amounts payable after more than one year42€8k-
Trade debts44€149k€27k▼
Suppliers440/4€149k€27k▼
Taxes, remuneration and social security45€37k€25k▼
Taxes450/3€18k€11k▼
Remuneration and social security454/9€20k€14k▼
Other amounts payable47/48€56k€66k▲
Accrued charges and deferred income492/3-€49k
Income statement
Code20232024
Remuneration, social security and pensions62€203k€240k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€18k▲
Other operating charges640/8€3k€1,000▼
Gross operating margin9900€256k€288k▲
Operating profit (loss)9901€35k€29k▼
Financial income75/76B€2k€8▼
Recurring financial income75€2k€8▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€32k€22k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€21k€12k▼
Profit (loss) for the period to be appropriated9905€21k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€67k▲
Profit (loss) brought forward from the previous period14P€34k€54k▲
Transfer to equity691/2-€10k
To other reserves6921-€10k
Social balance
Average headcount (FTE)90877.29.2▲
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
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 2 days late
2023
31-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 153 days late
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Equity above €100kEq €104k ▲12.9%
Equity rises from €92k to €104k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-8k ▼116%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €52k ▲1485%
Operating result €69k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲107%
3 profitable years in a row build equity to €101k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Manage · 1 establishment unit since 1994
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.
Rue Delfosse 4A7170 ManageGround area
101 m²
Building footprint
56 m²
Volume, LiDAR
520 m³
Parcel 52043A0201/00Z016, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HABITAT CONSTRUCT
since 19942.037.158.168
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52043A0201/00Z016 | Wallonia | 101 m² | 1 · 56 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
12 categoriesHABITAT CONSTRUCT SA36663
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,864. 12,646 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-04-1988
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.