Home Concepts

Active

Private limited companyfounded 20205 yrs activeOmmegangstraat 27, 9080 Lochristi, BelgiumKBO/BCE: BE 0755.809.845

The computed 12-month bankruptcy probability of Home Concepts is 1.9% (moderate). The 2025 annual accounts show equity of €18k and a net result of €4k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 49% of 7431 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

65 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability82▲+58

Solvency68▲+22

Growth78=

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days acceptable

Liquidity ample (current ratio 2.2 against 1.38 in 2024; short-term debt: 38.4% and cash: 22.3% of total assets), but 57% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

43%

Return on assets

10.5%

Age of the figures

9 mo

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 · 5 filings

Deviation from the deadline

2025

on the day

2024

30 d late

2023

29 d late

2022

29 d late

2021

30 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€18k▲ 32.1%

2024 · €13k

2021: €7k 2022: €12k 2023: €11k 2024: €13k

2021 → 2025

Total assets

€41k▼ 35.3%

2024 · €64k

2021: €31k 2022: €61k 2023: €75k 2024: €64k

2021 → 2025

Net result

€4k▲ 70.9%

2024 · €3k

2021: €912 2022: €5k 2023: €17k 2024: €3k

2021 → 2025

Working capital

€19k▲ 25.5%

2024 · €15k

2021: €3k 2022: €102 2023: €-1k 2024: €15k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€7k-€12k▲ 71.4%€11k▼ 8.0%€13k▲ 23.2%€18k▲ 32.1%

Operating result€1k-€7k▲ 372%€21k▲ 222%€-15k€4k

Net result€912-€5k▲ 442%€17k▲ 252%€3k▼ 85.5%€4k▲ 70.9%

Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €4k after a loss of €15k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €41k

15.6%

84.4%

Fixed assets €6k▼ 24.2%

Current assets €35k▼ 37.0%

Equity and liabilities €41k

43.0%

57.0%

Equity €18k▲ 32.1%

Debt €24k▼ 53.3%

The debt ratio falls from 78.9% to 57.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€7k▲

2024 · €-12k

Cash flow

€7k▲

2024 · €5k

Solvency

43.0%▲

2024 · 21.1%

Current ratio

2.20▲

2024 · 1.38

Quick ratio

2.20▲

2024 · 1.38

Debt / equity

1.33▼

2024 · 3.75

ROE

24.3%▲

2024 · 18.8%

ROA

10.5%▲

2024 · 4.0%

Interest coverage

8.52▲

2024 · -10.20

Debt

€24k▼

2024 · €50k

Debt ≤ 1 year

€16k▼

2024 · €40k

Debt > 1 year

€8k▼

2024 · €10k

Income taxes

€0▼

2024 · €67

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€64k€41k▼

Fixed assets21/28€9k€6k▼

Tangible fixed assets22/27€7k€5k▼

Plant, machinery and equipment23€3k€3k▲

Furniture and vehicles24€4k€2k▼

Financial fixed assets28€1k€1k=

Current assets29/58€55k€35k▼

Amounts receivable within one year40/41€32k€25k▼

Trade receivables40€19k€13k▼

Other amounts receivable41€12k€11k▼

Cash at bank and in hand54/58€23k€9k▼

Deferred charges and accrued income490/1€470€894▲

Equity and liabilities

Total equity and liabilities10/49€64k€41k▼

Equity10/15€13k€18k▲

Contributions10/11€6k€6k=

Reserves13€5k€5k=

Distributable reserves133€5k€5k=

Profit (loss) carried forward14€3k€7k▲

Amounts payable17/49€50k€24k▼

Amounts payable after more than one year17€10k€8k▼

Financial debts170/4€10k€8k▼

Amounts payable within one year42/48€40k€16k▼

Current portion of amounts payable after more than one year42€2k€3k▲

Trade debts44€18k€9k▼

Suppliers440/4€18k€9k▼

Taxes, remuneration and social security45€62€0▼

Taxes450/3€62€0▼

Other amounts payable47/48€19k€4k▼

Accrued charges and deferred income492/3€0-

Income statement Code20242025

Non-recurring operating income76A€2k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Other operating charges640/8€3k€673▼

Gross operating margin9900€-9k€8k▲

Operating profit (loss)9901€-15k€4k▲

Financial income75/76B€18k€1k▼

Recurring financial income75€1k€1k▼

Non-recurring financial income76B€17k€0▼

Financial charges65/66B€1k€825▼

Recurring financial charges65€1k€825▼

Profit (loss) for the period before taxes9903€3k€4k▲

Income taxes67/77€67€0▼

Profit (loss) for the period9904€3k€4k▲

Profit (loss) for the period to be appropriated9905€3k€4k▲

Appropriation of the result

Profit (loss) to be appropriated9906€3k€7k▲

Profit (loss) brought forward from the previous period14P€0€3k▲

Profit to be distributed694/7€0-

Return on contributions (dividend)694€0-

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 1Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 30 days late

2024

29-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 29 days late

2023

31-12

Financial Highest result since 2021net €17k ▲252%

Operating result €21k, net result €17k, both a record.

29-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 29 days late

2022

30-08

NBB filing Annual accounts filed

fiscal year 2021 · abbreviated schema · 30 days late

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, Lochristi · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Ommegangstraat 279080 Lochristi

Ground area

1,002 m²

Building footprint

113 m²

Volume, LiDAR

605 m³

Parcel 44034C0181/00N000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Home Concepts

Ommegangstraat 27, 9080 LochristiGeneral construction of buildings

since 20202.309.066.885

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44034C0181/00N000	Flanders	1,002 m²	1 · 113 m²	8.4 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.

Public money · subsidies and aid

Flemish government

2022 to 2024 · 2 entries · 857 EUR awarded · 857 EUR paid

Year	Entries	awarded	paid
2024	1	560 EUR	560 EUR
2022	1	297 EUR	297 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

2 entries · 857 EUR · 857 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

Vanderlinden

BE 0419.104.138

Beveren-Kruibeke-Zwijndrecht · Eq €18k

Algemene Bouwwerken Dieter Viaene

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,219 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded07-10-2020

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

43221Plumbing work

43320Joinery installation

43910Bricklaying and masonry work

43994Specialised construction activities

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.