HOME CONSTRUCT
ActiveHOME CONSTRUCT has been active since 1979 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-9k. Equity is shrinking by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 7331 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-11
Solvency100▲+7
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
short-term debt: 0.1% and cash: 0.6% of total assets, and 2.4% of the assets are financed with debt.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
97.6%
Return on assets
-13%
Age of the figures
15 mo
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
192022232425
2019 to 2025 · latest year €-9k
neutral · Latest accounts filed on time
The financial year that closed on 29-06-2025 was due by 29-01-2026 and was filed on 18-12-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
42 d early
2024
47 d early
2023
42 d early
2022
45 d early
2020
58 d early
2019
42 d early
2018
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 29-06-2026 and is due by 29-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
29-06-2026 close17-09-2026 today29-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 11.8%
2024 · €77k
2019: €100k
2020: €123k
2022: €158k
2023: €-46k
2024: €77k
2019 → 2025
Total assets
€70k▼ 38.5%
2024 · €113k
2019: €330k
2020: €361k
2022: €254k
2023: €233k
2024: €113k
2019 → 2025
Net result
€-9k▲ 7.7%
2024 · €-10k
2019: €-71k
2020: €23k
2022: €210k
2023: €-204k
2024: €-10k
2019 → 2025
Working capital
€69k▼ 9.7%
2024 · €77k
2019: €-162k
2020: €-141k
2022: €245k
2023: €-45k
2024: €77k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€123k-€158k▲ 28.6%€-46k€77k€68k▼ 11.8%
Operating result€20k-€220k▲ 989%€-204k€-11k▲ 94.6%€-10k▲ 6.3%
Net result€23k-€210k▲ 828%€-204k€-10k▲ 95.2%€-9k▲ 7.7%
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 stays negative: a loss of €10k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €70k
Equity
€68k▼ 11.8%
Debt
€2k▼ 95.5%
The debt ratio falls from 32.0% to 2.4%. Equity and debt are lower.
Key figures and ratios
Solvency
97.6%▲
2024 · 68.0%
Debt / equity
0.02▼
2024 · 0.47
ROE
-13.3%▼
2024 · -12.7%
ROA
-13.0%▼
2024 · -8.7%
Debt
€2k▼
2024 · €36k
Debt ≤ 1 year
€82▼
2024 · €36k
A ratio outside any meaningful range has been withheld (balance sheet total €70k, equity €68k).
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€113k€70k▼
Current assets29/58€113k€70k▼
Amounts receivable within one year40/41€113k€69k▼
Other amounts receivable41€113k€69k▼
Cash at bank and in hand54/58€609€443▼
Equity and liabilities
Total equity and liabilities10/49€113k€70k▼
Equity10/15€77k€68k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€96k€96k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€90k€90k=
Profit (loss) carried forward14€-81k€-90k▼
Amounts payable17/49€36k€2k▼
Amounts payable within one year42/48€36k€82▼
Trade debts44€78€82▲
Suppliers440/4€78€82▲
Other amounts payable47/48€36k-
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Gross operating margin9900€-11k€-10k▲
Operating profit (loss)9901€-11k€-10k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€35€47▲
Recurring financial charges65€35€47▲
Profit (loss) for the period before taxes9903€-10k€-9k▲
Profit (loss) for the period9904€-10k€-9k▲
Profit (loss) for the period to be appropriated9905€-10k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-81k€-90k▼
Profit (loss) brought forward from the previous period14P€-71k€-81k▼
The notes to these accounts (2 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
29-06
Financial
Liquidity times 272current ratio 849.10
Current ratio from 3.12 to 849.10; short-term debt falls from €36k to €82.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-06
Financial
Liquidity quadruplescurrent ratio 3.12
Current ratio from 0.84 to 3.12; short-term debt falls from €278k to €36k.
2023
18-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
29-06
Financial
Weakest financial yearnet €-204k ▼197%
Net result drops to €-204k, the lowest in the series; recovery starts the following year.
2022
15-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
29-06
Financial
Highest result since 2019net €210k ▲828%
Operating result €220k, net result €210k, both a record.
29-06
Financial
Liquidity times 80current ratio 26.61
Current ratio from 0.33 to 26.61; short-term debt falls from €211k to €10k.
29-06
Financial
Equity above €150kEq €158k ▲28.6%
2 profitable years in a row build equity to €158k.
2020
04-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
07-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
08-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
18-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Pajottegem · 1 establishment unit since 1979
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.
Edingsesteenweg 891755 PajottegemGround area
1,340 m²
Building footprint
218 m²
Volume, LiDAR
1,320 m³
Parcel 23024A0545/00T000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Edingsesteenweg 89, 1755 Pajottegem
since 19792.016.638.809
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23024A0545/00T000 | Flanders | 1,340 m² | 1 · 217 m² | 8.9 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
Deboma
BE 0880.788.308
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FERREINOX
BE 0735.725.105
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Romaconstruction
BE 0744.967.027
Thuin · Eq €68k
URBAINE CONSTRUCT SOLUTIONS
BE 0831.290.295
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UNITY BOUW
BE 0784.436.624
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 13,215 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-08-1979
Fiscal year end29-06
Activities, NACEBEL
41001General construction of residential buildings
45211
Sources
Crossroads Bank for EnterprisesNational Bank · 44 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.