HOM
ActiveHOM has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-47k) and a net result of €32k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
16
/ 100
Critical▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency41▲+2
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.85 against 0.76 in 2024), and equity is negative.
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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 10242 sector peers (2025).
NBB · sector comparisonPosition among 10242 sector peers
Solvency
better than 10%
← weakest
strongest →
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 · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
28 d late
2022
142 d late
2021
85 d late
2020
150 d late
2019
55 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€32k
2024 · €-30k
2018: €30k
2019: €5k
2020: €14k
2021: €-17k
2022: €-65k
2023: €-40k
2024: €-30k
2018 → 2025
Working capital
€-103k▲ 30.7%
2024 · €-149k
2018: €19k
2019: €28k
2020: €65k
2021: €31k
2022: €-78k
2023: €-126k
2024: €-149k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€-9k€-49k▼ 454%€-79k▼ 61.0%€-47k▲ 40.9%
Operating result€3k-€-51k€-20k▲ 60.6%€-14k▲ 31.8%€50k
Net result€-17k-€-65k▼ 287%€-40k▲ 38.6%€-30k▲ 25.6%€32k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €50k after a loss of €14k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €637k
Fixed assets
€57k▼ 19.2%
Current assets
€580k▲ 21.8%
Key figures and ratios
EBITDA
€63k▲
2024 · €-381
Cash flow
€46k▲
2024 · €-17k
Solvency
-7.3%▲
2024 · -14.4%
Current ratio
0.85▲
2024 · 0.76
Quick ratio
0.13▼
2024 · 0.15
Debt / equity
-14.68▼
2024 · -7.94
ROE
-69.3%▼
2024 · 37.9%
ROA
5.1%▲
2024 · -5.5%
Interest coverage
3.61▲
2024 · -0.02
Debt
€683k▲
2024 · €625k
Debt ≤ 1 year
€683k▲
2024 · €625k
Income taxes
€160
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€546k€637k▲
Fixed assets21/28€70k€57k▼
Tangible fixed assets22/27€70k€57k▼
Plant, machinery and equipment23€15k€8k▼
Furniture and vehicles24€2k€814▼
Other tangible fixed assets26€54k€48k▼
Current assets29/58€476k€580k▲
Stocks and contracts in progress3€380k€494k▲
Stocks30/36€380k€494k▲
Amounts receivable within one year40/41€72k€62k▼
Trade receivables40€26k€59k▲
Other amounts receivable41€46k€3k▼
Cash at bank and in hand54/58€16k€16k▼
Deferred charges and accrued income490/1€7k€7k=
Equity and liabilities
Total equity and liabilities10/49€546k€637k▲
Equity10/15€-79k€-47k▲
Contributions10/11€11k€11k=
Reserves13€48k€48k=
Distributable reserves133€48k€48k=
Profit (loss) carried forward14€-138k€-106k▲
Amounts payable17/49€625k€683k▲
Amounts payable within one year42/48€625k€683k▲
Financial debts43€300k€300k=
Credit institutions430/8€300k€300k=
Trade debts44€16k€62k▲
Suppliers440/4€16k€62k▲
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€600€4k▲
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€308k€315k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€4k€11k▲
Gross operating margin9900€4k€75k▲
Operating profit (loss)9901€-14k€50k▲
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€16k€18k▲
Recurring financial charges65€16k€18k▲
Profit (loss) for the period before taxes9903€-30k€32k▲
Income taxes67/77-€160
Profit (loss) for the period9904€-30k€32k▲
Profit (loss) for the period to be appropriated9905€-30k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-138k€-106k▲
Profit (loss) brought forward from the previous period14P€-108k€-138k▼
The notes to these accounts (4 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 · abbreviated schema
2025
31-12
Financial
Back to profitnet €32k
Net result €32k after 4 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 142 days late
2022
31-12
Financial
Weakest financial yearnet €-65k
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
24-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 85 days late
2021
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 150 days late
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Liège · 3 establishment units since 1996
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 Belvaux 1254030 LiègeGround area
2,690 m²
Building footprint
522 m²
Volume, LiDAR
1,017 m³
3 parcels, Wallonia · tallest building 4.9 m, ±1 floor. Linked by address, not a title deed.
3 establishment units
HOM
since 19962.079.601.014
Rue Belvaux 125, 4030 Liège
since 20022.113.596.247
SPRL HOM
since 20032.134.336.233
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63020A0697/00M000 | Wallonia | 1,128 m² | 1 · 253 m² | - |
| 62805B0299/00T004 | Wallonia | 826 m² | - | - |
| 62047C0746/00L000 | Wallonia | 735 m² | 1 · 269 m² | 4.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
ABDI & CO
BE 0742.732.958
Sint-Jans-Molenbeek · Eq €57k
OPTIMRENT
BE 0792.819.107
Sint-Truiden · Eq €56k
EM DESIGN
BE 0738.579.576
Asse · Eq €57k
DELTA SERVICES
BE 0474.261.308
Oudsbergen · Eq €56k
FAWAZ AUTO
BE 0837.831.461
Sint-Jans-Molenbeek · Eq €57k
Of 10,615 companies in sector 47811 we hold annual accounts for 5,192. 3,366 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-1996
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.