Home’Artisan
ActiveThe computed 12-month bankruptcy probability of Home’Artisan is 9.4% (elevated). The 2024 annual accounts show negative equity (€-52k) and a net result of €-23k. Equity is shrinking by ~99.9% per year across the filed fiscal years. Its solvency ranks better than 5% of 36375 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
8
/ 100
Critical
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
9.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.72 in 2023; short-term debt: 284.5% and cash: 0% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-246.6%
Return on assets
-109.1%
Age of the figures
21 mo
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-52k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
6 d early
2022
on the day
2021
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-52k▼ 79.3%
2023 · €-29k
2021: €17k
2022: €-56
2023: €-29k
2021 → 2024
Total assets
€21k▼ 18.2%
2023 · €26k
2021: €57k
2022: €66k
2023: €26k
2021 → 2024
Net result
€-23k▲ 20.5%
2023 · €-29k
2021: €14k
2022: €-17k
2023: €-29k
2021 → 2024
Working capital
€-39k▼ 324%
2023 · €-9k
2021: €21k
2022: €21k
2023: €-9k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€17k-€-56€-29k▼ 51,823%€-52k▼ 79.3%
Operating result€21k-€-16k€-27k▼ 71.0%€-21k▲ 23.8%
Net result€14k-€-17k€-29k▼ 66.5%€-23k▲ 20.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €21k in 2024 against €27k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €21k
Fixed assets
€621▼ 71.9%
Current assets
€20k▼ 13.1%
Key figures and ratios
EBITDA
€-20k▲
2023 · €-24k
Cash flow
€-23k▲
2023 · €-26k
Solvency
-246.6%▼
2023 · -112.5%
Current ratio
0.34▼
2023 · 0.72
Quick ratio
0.08▼
2023 · 0.53
Debt / equity
-1.41▲
2023 · -1.89
ROA
-109.1%▲
2023 · -112.3%
Interest coverage
-8.14▲
2023 · -8.58
Debt
€73k▲
2023 · €55k
Debt ≤ 1 year
€60k▲
2023 · €33k
Debt > 1 year
€13k▼
2023 · €22k
Staff costs
€33k▲
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€26k€21k▼
Fixed assets21/28€2k€621▼
Tangible fixed assets22/27€2k€621▼
Furniture and vehicles24€2k€621▼
Current assets29/58€23k€20k▼
Stocks and contracts in progress3€6k€16k▲
Stocks30/36€6k€16k▲
Amounts receivable within one year40/41€16k€5k▼
Trade receivables40€15k€3k▼
Other amounts receivable41€722€2k▲
Cash at bank and in hand54/58€1k€1▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€26k€21k▼
Equity10/15€-29k€-52k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-32k€-55k▼
Amounts payable17/49€55k€73k▲
Amounts payable after more than one year17€22k€13k▼
Financial debts170/4€22k€13k▼
Amounts payable within one year42/48€33k€60k▲
Current portion of amounts payable after more than one year42€13k€9k▼
Financial debts43€0€2k▲
Credit institutions430/8€0€2k▲
Trade debts44€781€8k▲
Suppliers440/4€781€8k▲
Taxes, remuneration and social security45€5k€14k▲
Taxes450/3€799€2k▲
Remuneration and social security454/9€4k€11k▲
Other amounts payable47/48€14k€27k▲
Income statement
Code20232024
Non-recurring operating income76A-€3k
Remuneration, social security and pensions62€16k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€353▼
Other operating charges640/8€13k€6k▼
Non-recurring operating charges66A-€539
Gross operating margin9900€5k€20k▲
Operating profit (loss)9901€-27k€-21k▲
Financial income75/76B€961€102▼
Recurring financial income75€961€102▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-29k€-23k▲
Profit (loss) for the period9904€-29k€-23k▲
Profit (loss) for the period to be appropriated9905€-29k€-23k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-55k▼
Profit (loss) brought forward from the previous period14P€-3k€-32k▼
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
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 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.
Tulpenplein 151070 AnderlechtGround area
8.0 ha
Building footprint
355 m²
Volume, LiDAR
4,301 m³
2 parcels, Brussels, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Home’Artisan
since 20202.305.043.959
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043B1095/00N002 | Wallonia | 4.5 ha | 1 · 355 m² | 14.5 m · 4 fl. |
| 21307F0207/00E000 | Brussels | 3.5 ha | - | - |
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.
Similar companies · same sector, comparable size
BATI-TECHNIC
BE 0898.370.646
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DEMOORVIOLA
BE 0714.916.328
Le Roeulx · Eq €17k
I9 BUILDING
BE 1009.820.973
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FIXSU
BE 1003.158.558
Bocholt · Eq €17k
TILKENS - TRAVAUX
BE 0451.787.594
Rixensart · Eq €17k
Of 7,292 companies in sector 43350 we hold annual accounts for 2,359. 1,693 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2020
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43120Site preparation
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:homeartisan@outlook.com