HaBo IMMO
ActiveHaBo IMMO has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €425k and a net result of €-95k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 36% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-8
Solvency43▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.86 in 2024; short-term debt: 60.2% and cash: 1.2% of total assets), but 82.5% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-95k
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
30 d early
2023
29 d early
2022
14 d early
2021
5 d early
2020
11 d early
2019
39 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€425k▼ 18.2%
2024 · €520k
2018: €89k
2019: €444k
2020: €465k
2021: €474k
2022: €575k
2023: €539k
2024: €520k
2018 → 2025
Total assets
€2.43M▼ 3.0%
2024 · €2.50M
2018: €3.92M
2019: €3.84M
2020: €3.35M
2021: €3.56M
2022: €4.32M
2023: €2.96M
2024: €2.50M
2018 → 2025
Net result
€-95k▼ 400%
2024 · €-19k
2018: €267k
2019: €754k
2020: €21k
2021: €9k
2022: €251k
2023: €-36k
2024: €-19k
2018 → 2025
Working capital
€966k▼ 16.5%
2024 · €1.16M
2018: €2.30M
2019: €3.10M
2020: €2.43M
2021: €2.64M
2022: €3.06M
2023: €1.27M
2024: €1.16M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€474k-€575k▲ 21.2%€539k▼ 6.3%€520k▼ 3.5%€425k▼ 18.2%
Operating result€62k-€342k▲ 449%€71k▼ 79.3%€62k▼ 12.3%€-30k
Net result€9k-€251k▲ 2,577%€-36k€-19k▲ 48.0%€-95k▼ 400%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €30k after €62k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €2.43M
Equity
€425k▼ 18.2%
Debt
€2.00M▲ 1.0%
The debt ratio rises from 79.2% to 82.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
17.5%▼
2024 · 20.8%
Current ratio
1.66▼
2024 · 1.86
Quick ratio
0.14▼
2024 · 0.21
Debt / equity
4.71▲
2024 · 3.81
ROE
-22.3%▼
2024 · -3.6%
ROA
-3.9%▼
2024 · -0.8%
Debt
€2.00M▲
2024 · €1.98M
Debt ≤ 1 year
€1.46M▲
2024 · €1.34M
Debt > 1 year
€541k▼
2024 · €636k
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€2.50M€2.43M▼
Current assets29/58€2.50M€2.43M▼
Stocks and contracts in progress3€2.22M€2.23M▲
Contracts in progress37€2.22M€2.23M▲
Amounts receivable within one year40/41€166k€168k▲
Trade receivables40€0-
Other amounts receivable41€166k€168k▲
Cash at bank and in hand54/58€111k€30k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€2.50M€2.43M▼
Equity10/15€520k€425k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€499k€405k▼
Amounts payable17/49€1.98M€2.00M▲
Amounts payable after more than one year17€636k€541k▼
Financial debts170/4€636k€541k▼
Amounts payable within one year42/48€1.34M€1.46M▲
Current portion of amounts payable after more than one year42€95k€95k=
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€1.24M€1.36M▲
Accrued charges and deferred income492/3€0€0=
Income statement
Code20242025
Other operating charges640/8€3k€1k▼
Gross operating margin9900€65k€-29k▼
Operating profit (loss)9901€62k€-30k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€81k€65k▼
Recurring financial charges65€81k€65k▼
Profit (loss) for the period before taxes9903€-19k€-95k▼
Profit (loss) for the period9904€-19k€-95k▼
Profit (loss) for the period to be appropriated9905€-19k€-95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€499k€405k▼
Profit (loss) brought forward from the previous period14P€518k€499k▼
The notes to these accounts (11 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-95k
Net result drops to €-95k, the lowest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €575k ▲21.2%
5 profitable years in a row build equity to €575k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 39 days late
2019
31-12
Financial
Highest result since 2018net €754k ▲183%
Operating result €974k, net result €754k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.23
Current ratio from 2.43 to 5.23; short-term debt falls from €1.61M to €733k.
31-12
Financial
Equity above €200kEq €444k ▲397%
2 profitable years in a row build equity to €444k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Bree
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.
Pater Coninxlaan 273960 BreeGround area
2,516 m²
Building footprint
271 m²
Volume, LiDAR
1,785 m³
Parcel 72004C0302/00D000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72004C0302/00D000 | Flanders | 2,515 m² | 1 · 271 m² | 10.4 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
ENDUVA
BE 0835.088.242
Brussel · Eq €425k
DHK PROJECTS
BE 0676.531.151
Gent · Eq €425k
MISS MIYAGI
BE 0678.407.508
Leuven · Eq €425k
IMMO DESIGN
BE 0475.078.977
Couvin · Eq €425k
COSEGIMO
BE 0891.691.405
Colfontaine · Eq €425k
Of 9,697 companies in sector 68121 we hold annual accounts for 7,381. 4,881 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2015
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.