Habitus
ActiveHabitus has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €42k and a net result of €14k. Equity is growing by ~69.7% per year across the filed fiscal years. Its solvency ranks better than 38% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-6
Solvency66▼-31
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.68 against 3.38 in 2024; short-term debt: 30.8% and cash: 18% of total assets), but 59.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
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
40.9%
Return on assets
13.2%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
2 d early
2022
31 d late
2021
29 d late
2020
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 47.6%
2024 · €29k
2020: €-60
2021: €16
2022: €-6k
2023: €21k
2024: €29k
2020 → 2025
Total assets
€103k▲ 162%
2024 · €39k
2020: €8k
2021: €21k
2022: €20k
2023: €52k
2024: €39k
2020 → 2025
Net result
€14k▲ 90.1%
2024 · €7k
2020: €-10k
2021: €76
2022: €-6k
2023: €27k
2024: €7k
2020 → 2025
Working capital
€22k▼ 16.3%
2024 · €26k
2020: €-60
2021: €7k
2022: €-7k
2023: €20k
2024: €26k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16-€-6k€21k€29k▲ 33.4%€42k▲ 47.6%
Operating result€198-€-6k€32k€10k▼ 67.8%€21k▲ 104%
Net result€76-€-6k€27k€7k▼ 73.8%€14k▲ 90.1%
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 2025; 2025 is 104% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €103k
Fixed assets
€50k▲ 1,776%
Current assets
€53k▲ 45.4%
Equity and liabilities €103k
Equity
€42k▲ 47.6%
Debt
€61k▲ 461%
The debt ratio rises from 27.6% to 59.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €11k
Cash flow
€22k▲
2024 · €8k
Solvency
40.9%▼
2024 · 72.4%
Current ratio
1.68▼
2024 · 3.38
Quick ratio
1.68▼
2024 · 3.38
Debt / equity
1.45▲
2024 · 0.38
ROE
32.2%▲
2024 · 25.0%
ROA
13.2%▼
2024 · 18.1%
Interest coverage
22.07▼
2024 · 37.91
Debt
€61k▲
2024 · €11k
Debt ≤ 1 year
€32k▲
2024 · €11k
Debt > 1 year
€27k
Income taxes
€6k▲
2024 · €3k
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€39k€103k▲
Fixed assets21/28€3k€50k▲
Tangible fixed assets22/27€3k€50k▲
Land and buildings22-€8k
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€1k€611▼
Leasing and similar rights25-€38k
Current assets29/58€37k€53k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€10k€34k▲
Trade receivables40€7k€14k▲
Other amounts receivable41€3k€20k▲
Cash at bank and in hand54/58€27k€19k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€39k€103k▲
Equity10/15€29k€42k▲
Contributions10/11€10k€10k=
Reserves13€19k€32k▲
Distributable reserves133€19k€32k▲
Amounts payable17/49€11k€61k▲
Amounts payable after more than one year17-€27k
Financial debts170/4-€27k
Amounts payable within one year42/48€11k€32k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€212€18k▲
Suppliers440/4€212€18k▲
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€4k€6k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€851€9k▲
Other operating charges640/8€505€3k▲
Gross operating margin9900€12k€33k▲
Operating profit (loss)9901€10k€21k▲
Financial income75/76B€8€69▲
Recurring financial income75€8€69▲
Financial charges65/66B€294€1k▲
Recurring financial charges65€294€1k▲
Profit (loss) for the period before taxes9903€10k€20k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€7k€14k▲
Profit (loss) for the period to be appropriated9905€7k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€14k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€7k€14k▲
To other reserves6921€7k€14k▲
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 3.38
Current ratio from 1.66 to 3.38; short-term debt falls from €31k to €11k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.66
Current ratio from 0.71 to 1.66.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €76
Net result €76 after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
15-10-2025
Resigned as Director
Location & real-estate footprint
Registered office, Zoutleeuw · 1 establishment unit since 2020
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.
Vijfwilgenstraat 43440 ZoutleeuwGround area
511 m²
Building footprint
113 m²
Volume, LiDAR
557 m³
Parcel 24036B0245/00N000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Habitus
since 20202.300.290.365
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24036B0245/00N000 | Flanders | 511 m² | 1 · 113 m² | 6.7 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.
Similar companies · same sector, comparable size
Marie Douel Studio
BE 1005.314.334
Vorst · Eq €42k
LENTO INTERIORS
BE 0820.059.180
Antwerpen · Eq €42k
Studio Penelope
BE 0466.621.567
Antwerpen · Eq €42k
TAM PROJECT
BE 0715.802.986
Genappe · Eq €42k
DOMUS VIVENDI INTERIOR
BE 0462.826.887
Malle · Eq €42k
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,067 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2020
Fiscal year end31-12
Trade name NL
Habitus Interieur
Activities, NACEBEL
71112Activities of interior architects
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.habitus-interieur.be
E-mail:hallo@habitus-interieur.be