HABITATIONS SUD-LUXEMBOURG
ActiveHABITATIONS SUD-LUXEMBOURG has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32.41M and a net result of €682k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 4489 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▼ -6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-4
Solvency99=
Growth67▼-2
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €550k at 30 days acceptable
Liquidity ample (current ratio 5.62 against 7.44 in 2024), and 39.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
60.4%
Return on assets
1.3%
Age of the figures
8 mo
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-05-2026, 66 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
66 d early
2024
66 d early
2023
65 d early
2022
62 d early
2021
68 d early
2020
39 d early
2019
38 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€5.36M▼ 6.0%
2024 · €5.71M
2018: €4.11M
2019: €4.25M
2020: €4.50M
2021: €4.65M
2022: €5.11M
2023: €5.27M
2024: €5.71M
2018 → 2025
EBIT margin
12.0%▼ 3.8pp
2024 · 15.8%
2018: 21.4%
2019: 18.6%
2020: 17.0%
2021: 24.0%
2022: 20.4%
2023: 15.0%
2024: 15.8%
2018 → 2025
Net result
€682k▼ 22.3%
2024 · €879k
2018: €588k
2019: €533k
2020: €574k
2021: €956k
2022: €912k
2023: €658k
2024: €879k
2018 → 2025
Working capital
€14.21M▼ 8.4%
2024 · €15.52M
2018: €9.71M
2019: €9.20M
2020: €8.78M
2021: €16.49M
2022: €15.02M
2023: €16.13M
2024: €15.52M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€4.65M-€5.11M▲ 9.8%€5.27M▲ 3.3%€5.71M▲ 8.2%€5.36M▼ 6.0%
Equity€28.01M-€29.01M▲ 3.6%€29.51M▲ 1.7%€30.43M▲ 3.1%€32.41M▲ 6.5%
Operating result€1.12M-€1.04M▼ 6.9%€793k▼ 23.7%€901k▲ 13.6%€644k▼ 28.5%
Net result€956k-€912k▼ 4.5%€658k▼ 27.9%€879k▲ 33.5%€682k▼ 22.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €53.65M
Fixed assets
€36.36M▲ 9.8%
Current assets
€17.29M▼ 3.6%
Equity and liabilities €53.65M
Equity
€32.41M▲ 6.5%
Provisions
€1.17M▲ 6.2%
Debt
€20.07M▲ 2.8%
The debt ratio falls from 38.2% to 37.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€2.01M▼
2024 · €2.27M
Cash flow
€2.05M▼
2024 · €2.24M
Solvency
60.4%▲
2024 · 59.6%
Current ratio
5.62▼
2024 · 7.44
Quick ratio
5.60▼
2024 · 7.42
Debt / equity
0.62▼
2024 · 0.64
ROE
2.1%▼
2024 · 2.9%
ROA
1.3%▼
2024 · 1.7%
Interest coverage
5.04▼
2024 · 5.41
Debt
€20.07M▲
2024 · €19.53M
Debt ≤ 1 year
€3.08M▲
2024 · €2.41M
Debt > 1 year
€16.76M▼
2024 · €16.90M
Income taxes
€41k▼
2024 · €46k
Staff costs
€1.90M▲
2024 · €1.80M
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€51.06M€53.65M▲
Fixed assets21/28€33.13M€36.36M▲
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€33.12M€36.36M▲
Land and buildings22€31.58M€33.17M▲
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€20k€26k▲
Assets under construction and advance payments27€1.51M€3.16M▲
Financial fixed assets28€2k€3k▲
Current assets29/58€17.93M€17.29M▼
Amounts receivable after more than one year29€6.21M€3.37M▼
Other amounts receivable291€6.21M€3.37M▼
Stocks and contracts in progress3€59k€55k▼
Stocks30/36€59k€55k▼
Amounts receivable within one year40/41€830k€1.26M▲
Trade receivables40€178k€497k▲
Other amounts receivable41€653k€760k▲
Cash at bank and in hand54/58€10.46M€12.24M▲
Deferred charges and accrued income490/1€376k€367k▼
Equity and liabilities
Total equity and liabilities10/49€51.06M€53.65M▲
Equity10/15€30.43M€32.41M▲
Contributions10/11€52k€52k=
Reserves13€1.31M€1.31M=
Non-distributable reserves130/1€355k€355k=
Reserves not available under the articles1311€355k€355k=
Tax-exempt reserves132€953k€953k=
Profit (loss) carried forward14€7.84M€8.52M▲
Investment grants15€21.23M€22.53M▲
Provisions and deferred taxes16€1.10M€1.17M▲
Provisions for liabilities and charges160/5€20k€20k=
Major repairs and maintenance162€20k€20k=
Deferred taxes168€1.08M€1.15M▲
Amounts payable17/49€19.53M€20.07M▲
Amounts payable after more than one year17€16.90M€16.76M▼
Financial debts170/4€16.90M€16.76M▼
Amounts payable within one year42/48€2.41M€3.08M▲
Current portion of amounts payable after more than one year42€1.36M€1.43M▲
Financial debts43€14k-
Credit institutions430/8€14k-
Trade debts44€703k€1.26M▲
Suppliers440/4€703k€1.26M▲
Taxes, remuneration and social security45€155k€198k▲
Taxes450/3€35k€12k▼
Remuneration and social security454/9€120k€186k▲
Other amounts payable47/48€173k€189k▲
Accrued charges and deferred income492/3€218k€231k▲
Income statement
Code20242025
Turnover70€5.71M€5.36M▼
Non-recurring operating income76A€15k€42k▲
Goods, raw materials, services and sundry goods60/61€1.10M€1.17M▲
Remuneration, social security and pensions62€1.80M€1.90M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1.37M€1.36M▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€23k€29k▲
Other operating charges640/8€527k€592k▲
Non-recurring operating charges66A€8k€147k▲
Gross operating margin9900€4.62M€4.68M▲
Operating profit (loss)9901€901k€644k▼
Financial income75/76B€426k€460k▲
Recurring financial income75€426k€460k▲
Financial charges65/66B€419k€398k▼
Recurring financial charges65€419k€398k▼
Profit (loss) for the period before taxes9903€909k€706k▼
Transfer from deferred taxes780€16k€18k▲
Income taxes67/77€46k€41k▼
Profit (loss) for the period9904€879k€682k▼
Profit (loss) for the period to be appropriated9905€879k€682k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7.84M€8.52M▲
Profit (loss) brought forward from the previous period14P€6.96M€7.84M▲
Social balance
Average headcount (FTE)908724.924.1▼
The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
State Gazette act
Resignations & appointmentsDirector resignation · Board meeting2 facts ▸
State Gazette act
Resignations & appointments
Director resignation · Board meeting2 facts ▸
- Director resignation, Schmit Marie-Claire (membre du comité d'attribution)
- Board meeting, 2026-07-07
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €956k ▲66.5%
Operating result €1.12M, net result €956k, both a record.
31-12
Financial
Equity above €25MEq €28.01M ▲45.6%
4 profitable years in a row build equity to €28.01M.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 38 days late
2019
31-12
Financial
Weakest financial yearnet €533k ▼9.4%
Net result drops to €533k, the lowest in the series; recovery starts the following year.
20-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
19-06-2026
Schmit Marie-Claire: Resigned as Membre du comité d'attribution
23-06-2025
Gillet Nadia: Resigned as Director
23-06-2025
Heynen Bernadette: Resigned as Director
23-06-2025
Kirsch Christiane: Resigned as Director
23-06-2025
Laforge Didier: Resigned as Director
23-06-2025
Lecomte Carine: Resigned as Director
23-06-2025
Nsabimana Laurent: Resigned as Director
23-06-2025
Spoidenne Joseph: Resigned as Director
23-06-2025
Waty Daniel: Resigned as Director
01-04-2025
Valentin Christian: Resigned as Director
03-10-2023
GODART Libye: Resigned as Director
03-10-2023
GODART Lybie: Resigned as Director
22-09-2022
LAMBIN Olivier: Resigned as Manager
01-07-2021
PIRE André: Resigned as Manager
24-06-2019
Gillet Nadia: Resigned as Director
24-06-2019
Heynen Bernadette: Resigned as Director
24-06-2019
Kirsch Christiane: Resigned as Director
24-06-2019
Laforge Didier: Resigned as Director
24-06-2019
Waty Daniel: Resigned as Director
24-06-2019
Valentin Christian: Resigned as Director
24-06-2019
Debot Micheline: Resigned as Director
24-06-2019
Devaux Vivian: Resigned as Director
24-06-2019
Dondelinger Jean-Paul: Resigned as Director
24-06-2019
Feller Lydia: Resigned as Director
+ 11 not shown in this overview
Location & real-estate footprint
Registered office, Aubange · 2 establishment units since 2000
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 des Métallurgistes - ATHUS 186791 AubangeGround area
1,687 m²
Building footprint
243 m²
Parcel 81001A1764/00F009, Wallonia. Linked by address, not a title deed.
2 establishment units
Avenue du Général-Patton 261, 6700 Arlon
since 20002.212.333.636
Rue des Métallurgistes - ATHUS 18, 6791 Aubange
since 20002.212.334.230
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81001A1764/00F009 | Wallonia | 1,687 m² | 1 · 243 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Statutory auditor
2 auditors| Hayot Morgan Statutory auditor | - → 01-03-2022 |
Show 1 earlier auditors
| TIBESAR Monique Statutory auditor | - → 29-03-2018 |
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Of 204 companies in sector 68202 we hold annual accounts for 188. 126 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2000
Fiscal year end31-12
Activities, NACEBEL
68202Real estate activities
68310Real estate agency activities
68311Real estate activities
70202
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.