HOME 88
ActiveThe computed 12-month bankruptcy probability of HOME 88 is 1.6% (moderate). The 2025 annual accounts show equity of €22k and a net result of €31k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 13908 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▲+10
Growth78=
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 1.1 in 2024), and 77.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+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
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
22.2%
Return on assets
31.3%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €22k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 6 filingsDeviation from the deadline
2025
19 d late
2024
28 d late
2023
31 d late
2022
29 d late
2021
28 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 110%
2024 · €10k
2020: €9k
2021: €19k
2022: €9k
2023: €358
2024: €10k
2020 → 2025
Total assets
€98k▲ 30.9%
2024 · €75k
2020: €24k
2021: €33k
2022: €23k
2023: €21k
2024: €75k
2020 → 2025
Net result
€31k▲ 71.8%
2024 · €18k
2020: €6k
2021: €10k
2022: €-10k
2023: €-8k
2024: €18k
2020 → 2025
Working capital
€8k▲ 14.6%
2024 · €7k
2020: €2k
2021: €6k
2022: €-59
2023: €-5k
2024: €7k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€9k▼ 54.3%€358▼ 95.8%€10k▲ 2,799%€22k▲ 110%
Operating result€14k-€-10k€-7k▲ 33.4%€19k€40k▲ 111%
Net result€10k-€-10k€-8k▲ 19.3%€18k€31k▲ 71.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 111% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€14k▲ 279%
Current assets
€84k▲ 17.9%
Equity and liabilities €98k
Equity
€22k▲ 110%
Debt
€77k▲ 18.2%
The debt ratio falls from 86.2% to 77.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€44k▲
2024 · €21k
Cash flow
€35k▲
2024 · €21k
Solvency
22.2%▲
2024 · 13.8%
Current ratio
1.10▼
2024 · 1.10
Quick ratio
1.10▼
2024 · 1.10
Debt / equity
3.51▼
2024 · 6.24
ROE
141.0%▼
2024 · 172.5%
ROA
31.3%▲
2024 · 23.8%
Interest coverage
190.62▲
2024 · 72.23
Debt
€77k▲
2024 · €65k
Debt ≤ 1 year
€77k▲
2024 · €65k
Income taxes
€9k▲
2024 · €670
Staff costs
€61k▲
2024 · €54k
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€75k€98k▲
Fixed assets21/28€4k€14k▲
Tangible fixed assets22/27€4k€14k▲
Plant, machinery and equipment23€920€9k▲
Furniture and vehicles24€3k€6k▲
Current assets29/58€71k€84k▲
Amounts receivable within one year40/41€36k€14k▼
Trade receivables40€36k€2k▼
Other amounts receivable41€580€11k▲
Current investments50/53-€11k
Cash at bank and in hand54/58€34k€56k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€75k€98k▲
Equity10/15€10k€22k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€8k€19k▲
Amounts payable17/49€65k€77k▲
Amounts payable within one year42/48€65k€77k▲
Trade debts44€30k€6k▼
Suppliers440/4€30k€6k▼
Advances received on contracts in progress46€10k€34k▲
Taxes, remuneration and social security45€18k€21k▲
Taxes450/3€10k€7k▼
Remuneration and social security454/9€9k€14k▲
Other amounts payable47/48€7k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€54k€61k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€446€852▲
Gross operating margin9900€76k€106k▲
Operating profit (loss)9901€19k€40k▲
Financial income75/76B€31€162▲
Recurring financial income75€31€162▲
Financial charges65/66B€297€230▼
Recurring financial charges65€297€230▼
Profit (loss) for the period before taxes9903€19k€40k▲
Income taxes67/77€670€9k▲
Profit (loss) for the period9904€18k€31k▲
Profit (loss) for the period to be appropriated9905€18k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€39k▲
Profit (loss) brought forward from the previous period14P€-2k€8k▲
Profit to be distributed694/7€8k€19k▲
Return on contributions (dividend)694€8k€19k▲
The notes to these accounts (7 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2020net €31k ▲71.8%
Operating result €40k, net result €31k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Weakest financial yearnet €-10k ▼200%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
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
5 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, Etterbeek · 2 establishment units 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.
Jachtlaan 1701040 EtterbeekGround area
9,377 m²
Building footprint
634 m²
Volume, LiDAR
19,344 m³
2 parcels, Brussels · tallest building 37.2 m, ±11 floors. Linked by address, not a title deed.
2 establishment units
HOME 88
since 20202.309.802.008
ESSENTIA SCENT
since 20242.366.862.653
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307E0218/00G000 | Brussels | 9,317 m² | 1 · 574 m² | 37.2 m · 11 fl. |
| 21364B0194/00A006 | Brussels | 60 m² | 1 · 60 m² | 16.0 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Recognised contractor
28 categoriesHOME 88 SRL41965
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 4,091 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2020
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
41001General construction of residential buildings
68122Development of non-residential building projects
43110Demolition
43120Site preparation
43990Other specialised construction activities
43995Specialised construction activities
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.