HABITAT QUALITE ZEN
ActiveSummary
The computed 12-month bankruptcy probability of HABITAT QUALITE ZEN is 2.8% (moderate). The 2024 annual accounts show equity of €1k and a net result of €108. Equity is shrinking by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 27% of 1290 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
43
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+14
Solvency41▼-20
Growth58=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.14; short-term debt: 84% and cash: 2% of total assets), and 84% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
16%
Return on assets
1.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 31 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
31 d late
2023
92 d late
2022
4 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
€10k
EBIT margin
-3.8%
Net result
€108
2023 · €-221
2022: €-461
2023: €-221
2022 → 2024
Working capital
€745▲ 366%
2023 · €160
2022: €-96
2023: €160
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€10k-
Equity€1k-€945▼ 18.9%€1k▲ 11.5%
Operating result€-374-€238€507▲ 113%
Net result€-461-€-221▲ 52.2%€108
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2024 is 113% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7k
Fixed assets
€309 ▼ 60.7%
Current assets
€6k ▲ 239%
Equity and liabilities €7k
Equity
€1k ▲ 11.5%
Debt
€6k ▲ 227%
Debt's share of the balance-sheet total rises from 64.1% to 84.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€983▲
2023 · €715
Cash flow
€585▲
2023 · €256
Current ratio
1.14
Debt to equity
5.24
ROE
10.3%
ROA
1.6%
Interest coverage
14.97▲
2023 · 5.89
Debt ≤ 1 year
€6k▲
2023 · €2k
Income taxes
€333▼
2023 · €337
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 33 lines
Balance sheet
Code20232024
Assets
Total assets20/58€3k€7k▲
Fixed assets21/28€786€309▼
Tangible fixed assets22/27€786€309▼
Plant, machinery and equipment23€245€99▼
Furniture and vehicles24€540€210▼
Current assets29/58€2k€6k▲
Amounts receivable within one year40/41€2k€6k▲
Trade receivables40€2k€6k▲
Other amounts receivable41€54€134▲
Cash at bank and in hand54/58€295€128▼
Equity and liabilities
Total equity and liabilities10/49€3k€7k▲
Equity10/15€945€1k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€-555€-446▲
Amounts payable17/49€2k€6k▲
Amounts payable within one year42/48€2k€6k▲
Taxes, remuneration and social security45€307€333▲
Taxes450/3€307€333▲
Other amounts payable47/48€1k€5k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€477€477=
Other operating charges640/8€806€590▼
Gross operating margin9900€2k€2k▲
Operating profit (loss)9901€238€507▲
Financial charges65/66B€121€66▼
Recurring financial charges65€121€66▼
Profit (loss) for the period before taxes9903€117€441▲
Income taxes67/77€337€333▼
Profit (loss) for the period9904€-221€108▲
Profit (loss) for the period to be appropriated9905€-221€108▲
Appropriation of the result
Profit (loss) to be appropriated9906€-555€-446▲
Profit (loss) brought forward from the previous period14P€-334€-555▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 31 days late
2024
31-12
Financial
Back to profitnet €108
Net result €108 after 2 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sambreville · 1 establishment unit since 2019
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 Marie Saint Pierre(AUV) 225060 SambrevilleGround area
234 m²
Building footprint
53 m²
Volume, LiDAR
397 m³
Parcel 92007E0011/00P000, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Marie Saint Pierre(AUV) 22, 5060 Sambreville
since 20192.292.881.347
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007E0011/00P000 | Wallonia | 234 m² | 1 · 53 m² | 8.8 m · 2 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.
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 1,945 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-2019
Fiscal year end31-12
Abbreviation FR
HQZ
Activities, NACEBEL 2025
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.