Active BE 0767.960.183Private limited company

HOME CONSULT & COACHING

Bld Hector-Denis 322 ·4000 Liège, Belgium· 5 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of HOME CONSULT & COACHING is 3.2% (moderate). The 2024 annual accounts show equity of €16k and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 40% of 220 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 4 annual accounts.

Key figures

Equity	€16k
Net result	€-10k
Better than sector	40%
Active	5 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

41 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 35

Profitability 0

Solvency 22

Growth 52

Stability 94

Bankruptcy probability (12 mo) Checked model v1 · free

3.2% Moderate

0%0,5%1,5%4%10%≥25%

Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2021, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

35 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview4 NBB filings

Annual accounts filed on 12-08-2025 with the NBB · fiscal year 2024 · volledig

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (full schema)

Metric	This company	Sector median	Position in the sector
Solvency	16.1%	24.8%	better than 40% of 220 sector peers
Net result	€-10k	€12k	better than 16% of 220 sector peers
Equity	€16k	€55k	better than 29% of 220 sector peers
Gross operating margin	€2k	€43k	better than 16% of 193 sector peers
Total assets	€101k	€356k	better than 29% of 221 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€1k

- 21-24

Net profit

€-10k

+55.8% 21-24

Cash flow

€-1k

+93.6% 21-24

Total assets

€101k

+26.1% 21-24

Equity

€16k

-38.3% 21-24

Working capital

€107

-99.1% 21-24

Income taxes

€139

-27.8% 21-24

Debt

€85k

+57.6% 21-24

Debt ≤ 1y

€22k

+30.9% 21-24

Debt > 1y

€63k

+79.9% 21-24

Current ratio

1.00

-40.5% 21-24

Quick ratio

1.00

-40.5% 21-24

Solvency

16.1%

-51.1% 21-24

Debt / equity

5.22

+155.4% 21-24

ROE

-62.0%

+28.3% 21-24

ROA

-10.0%

+64.9% 21-24

Interest coverage

0.47

- 21-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	volledig
Revenue	-
EBITDA	€1k
Net profit	€-10k
Cash flow	€-1k
Staff costs	-
Income taxes	€139
Dividends	-
Total assets	€101k
Equity	€16k
Debt	€85k
of which ≤ 1y	€22k
of which > 1y	€63k
Working capital	€107
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.00
Quick ratio	1.00
Working capital ratio	0.1%
Solvency	16.1%
Debt / equity	5.22
Long-term debt ratio	3.86
Interest coverage	0.47
Gross margin	-
Net margin	-
ROA	-10.0%
ROE	-62.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €79k · 77.9% Current assets €22k · 22.1%

Equity & liabilities

Equity €16k · 16.1% Debt €85k · 83.9%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€101k
Fixed assets	21/28	€79k
Tangible fixed assets	22/27	€79k
Current assets	29/58	€22k
Amounts receivable within one year	40/41	€11k
Cash & bank	54/58	€9k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€101k
Equity	10/15	€16k
Contributions / capital	10/11	€5k
Accumulated profits (losses)	14	€11k
Amounts payable	17/49	€85k
Amounts payable after one year	17	€63k
Amounts payable within one year	42/48	€22k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€2k
Operating result	9901	€-8k
Financial income	75	€265
Financial charges	65	€2k
Result before taxes	9903	€-10k
Income taxes	67/77	€139
Net result for the period	9904	€-10k
Result to be appropriated	9905	€-10k

You are seeing the latest fiscal year only. 3 prior years (figures + ratios) are in a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	07-05-2021
Status	Active
Postal code	4000

Establishment units 1 location

HOME CONSULT & COACHING

Bld Hector-Denis 322, 4000 LiègeHandelsbemiddeling in de niet-gespecialiseerde groothandel

since 20212.317.064.437

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Updates 4 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

12-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · volledig

2024

03-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · volledig

2023

31-05-2023

NBB filing Annual accounts filed

fiscal year 2022 · volledig

2022

24-02-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Overige vormen van onderwijs85599Overige vormen van onderwijs85599

Primary activity highlighted.

Names & trade names

Legal nameFR

HOME CONSULT & COACHING

Registered office

Bld Hector-Denis 322

4000 Liège, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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