Home & Consultancy
ActiveThe annual accounts of Home & Consultancy for fiscal year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €14k and a net result of €-15k. Equity is shrinking by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 36% of 1041 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-70
Solvency41▼-18
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.06 against 1.26 in 2024; short-term debt: 83.5% and cash: 23.4% of total assets), and 83.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 · 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
16.5%
Return on assets
-17%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
28 d early
2023
6 d early
2022
1 d late
2021
3 d early
2020
2 d early
2019
3 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€14k▼ 50.8%
2024 · €29k
2018: €57k
2019: €54k
2020: €62k
2021: €46k
2022: €57k
2023: €64k
2024: €29k
2018 → 2025
Total assets
€88k▲ 0.2%
2024 · €88k
2018: €106k
2019: €165k
2020: €133k
2021: €123k
2022: €139k
2023: €140k
2024: €88k
2018 → 2025
Net result
€-15k
2024 · €651
2018: €1k
2019: €5k
2020: €8k
2021: €4k
2022: €16k
2023: €5k
2024: €651
2018 → 2025
Working capital
€4k▼ 70.1%
2024 · €15k
2018: €47k
2019: €49k
2020: €63k
2021: €43k
2022: €52k
2023: €49k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€57k▲ 23.2%€64k▲ 11.3%€29k▼ 53.8%€14k▼ 50.8%
Operating result€11k-€35k▲ 206%€13k▼ 62.6%€7k▼ 43.6%€-14k
Net result€4k-€16k▲ 302%€5k▼ 66.8%€651▼ 87.6%€-15k
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 turns negative in 2025: a loss of €14k after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€10k▼ 30.8%
Current assets
€78k▲ 6.3%
Equity and liabilities €88k
Equity
€14k▼ 50.8%
Debt
€73k▲ 25.9%
The debt ratio rises from 66.5% to 83.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-9k▼
2024 · €12k
Cash flow
€-10k▼
2024 · €5k
Solvency
16.5%▼
2024 · 33.5%
Current ratio
1.06▼
2024 · 1.26
Quick ratio
1.06▼
2024 · 1.26
Debt / equity
5.07▲
2024 · 1.98
ROE
-103.1%▼
2024 · 2.2%
ROA
-17.0%▼
2024 · 0.7%
Interest coverage
-5.90▼
2024 · 6.83
Debt
€73k▲
2024 · €58k
Debt ≤ 1 year
€73k▲
2024 · €58k
Income taxes
€160▼
2024 · €5k
Staff costs
€785k▼
2024 · €789k
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€88k€88k▲
Fixed assets21/28€14k€10k▼
Tangible fixed assets22/27€14k€10k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€4k€3k▼
Current assets29/58€73k€78k▲
Amounts receivable within one year40/41€8k€26k▲
Trade receivables40€8k€14k▲
Other amounts receivable41€0€12k▲
Cash at bank and in hand54/58€28k€21k▼
Deferred charges and accrued income490/1€38k€31k▼
Equity and liabilities
Total equity and liabilities10/49€88k€88k▲
Equity10/15€29k€14k▼
Contributions10/11€100€100=
Reserves13€29k€27k▼
Distributable reserves133€29k€27k▼
Profit (loss) carried forward14€0€-12k▼
Amounts payable17/49€58k€73k▲
Amounts payable within one year42/48€58k€73k▲
Financial debts43€601€0▼
Credit institutions430/8€601€0▼
Trade debts44€6k€7k▲
Suppliers440/4€6k€7k▲
Taxes, remuneration and social security45€52k€67k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€50k€65k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€789k€785k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€802k€776k▼
Operating profit (loss)9901€7k€-14k▼
Financial income75/76B€0€347▲
Recurring financial income75€0€347▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€6k€-15k▼
Income taxes67/77€5k€160▼
Profit (loss) for the period9904€651€-15k▼
Profit (loss) for the period to be appropriated9905€651€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€651€-15k▼
Transfer from equity791/2€16k€3k▼
Transfer to equity691/2€651€0▼
To other reserves6921€651€0▼
Profit to be distributed694/7€16k€0▼
Return on contributions (dividend)694€16k€0▼
Directors or managers695€0-
Social balance
Average headcount (FTE)9087-22.6
The notes to these accounts (6 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼2390%
Net result drops to €-15k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
31-12
Financial
Highest result since 2018net €16k ▲302%
Operating result €35k, net result €16k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 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, Lievegem · 1 establishment unit since 2007
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.
Dekenijstraat 349930 LievegemGround area
3,628 m²
Building footprint
497 m²
Volume, LiDAR
3,222 m³
2 parcels, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Home & Consultancy
since 20072.165.820.552
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080D0388/00R000 | Flanders | 3,116 m² | 1 · 218 m² | 13.5 m · 3 fl. |
| 44068B0381/00S002 | Flanders | 512 m² | 1 · 279 m² | 8.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 10 entries · 2,382,320 EUR awarded · 2,381,583 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 568,175 EUR | 568,164 EUR |
| 2024 | 2 | 610,410 EUR | 610,340 EUR |
| 2023 | 2 | 603,925 EUR | 604,084 EUR |
| 2022 | 3 | 599,810 EUR | 598,995 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Recognitions: source did not answer, try again later.
Similar companies · same sector, comparable size
COQUETTE SERVICES
BE 0846.633.816
Tubize · Eq €14k
ALL HOME SERVICES
BE 0879.642.817
Beauvechain · Eq €14k
PEF Binche
BE 0819.298.820
Binche · Eq €14k
Titres Services à la Carte
BE 0806.983.283
Soumagne · Eq €15k
HTS Services
BE 0839.510.254
Hannut · Eq €15k
Of 810 companies in sector 96910 we hold annual accounts for 618. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2007
Fiscal year end31-12
Abbreviation NL
H&C
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:c_haek@skynet.be
Phone:09/3728613
Fax:09/2276212