Habitat & Consulting Services
ActiveHabitat & Consulting Services has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €51k and a net result of €17k. Equity is growing by ~55.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
97
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.0 against 3.82 in 2023; short-term debt: 25% and cash: 55.9% of total assets), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
28 d late
2022
23 d late
2021
30 d late
2017
8 d late
2014
14 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€51k▲ 50.6%
2023 · €34k
2021: €6k
2022: €21k
2023: €34k
2021 → 2024
Total assets
€68k▲ 48.2%
2023 · €46k
2021: €25k
2022: €35k
2023: €46k
2021 → 2024
Net result
€17k▲ 30.9%
2023 · €13k
2021: €12k
2022: €15k
2023: €13k
2021 → 2024
Working capital
€51k▲ 50.6%
2023 · €34k
2021: €6k
2022: €21k
2023: €34k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€6k-€21k▲ 262%€34k▲ 63.0%€51k▲ 50.6%
Operating result€17k-€20k▲ 22.7%€19k▼ 9.0%€23k▲ 23.7%
Net result€12k-€15k▲ 22.0%€13k▼ 13.0%€17k▲ 30.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 24% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €68k
Equity
€51k▲ 50.6%
Debt
€17k▲ 41.4%
The debt ratio falls from 26.2% to 25.0%. Equity and debt are higher.
Key figures and ratios
Solvency
75.0%▲
2023 · 73.8%
Current ratio
4.00▲
2023 · 3.82
Quick ratio
4.00▲
2023 · 3.82
Debt / equity
0.33▼
2023 · 0.35
ROE
33.6%▼
2023 · 38.6%
ROA
25.2%▼
2023 · 28.5%
Debt
€17k▲
2023 · €12k
Debt ≤ 1 year
€17k▲
2023 · €12k
Income taxes
€6k▲
2023 · €6k
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€46k€68k▲
Current assets29/58€46k€68k▲
Amounts receivable within one year40/41€19k€30k▲
Trade receivables40€19k€30k▲
Cash at bank and in hand54/58€26k€38k▲
Equity and liabilities
Total equity and liabilities10/49€46k€68k▲
Equity10/15€34k€51k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€18k€18k=
Uncalled capital101€12k€12k=
Profit (loss) carried forward14€27k€44k▲
Amounts payable17/49€12k€17k▲
Amounts payable within one year42/48€12k€17k▲
Trade debts44€1k-
Suppliers440/4€1k-
Taxes, remuneration and social security45€11k€17k▲
Taxes450/3€11k€17k▲
Other amounts payable47/48€115-
Income statement
Code20232024
Non-recurring operating charges66A-€150
Gross operating margin9900€19k€23k▲
Operating profit (loss)9901€19k€23k▲
Financial charges65/66B€24€40▲
Recurring financial charges65€24€40▲
Profit (loss) for the period before taxes9903€19k€23k▲
Income taxes67/77€6k€6k▲
Profit (loss) for the period9904€13k€17k▲
Profit (loss) for the period to be appropriated9905€13k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€44k▲
Profit (loss) brought forward from the previous period14P€14k€27k▲
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2021net €17k ▲30.9%
Operating result €23k, net result €17k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 8 days late
2015
17-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Marche-en-Famenne · 1 establishment unit since 2014
Ground area
2.5 ha
Building footprint
1,713 m²
Parcel 83002A0934/00F002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Aye, Rue André Feher 15, 6900 Marche-en-Famenne
since 20142.224.782.793
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83002A0934/00F002 | Wallonia | 2.5 ha | 1 · 1,713 m² | - |
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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.