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Home & Consultancy

Active
Private limited companyfounded 2007active for 19 yearsDekenijstraat 34, 9930 Lievegem, BelgiumKBO/BCE: BE 0892.362.584
Summary

The annual accounts of Home & Consultancy for financial year 2025 show a net loss of 51% of the equity at the start of that year. The 2025 annual accounts show equity of €14,455 and a net result of -€14,899. Equity has been shrinking by about 7.6% per year since 2018. Its solvency ranks better than 36% of 1,376 sector peers (NACE 96, financial year 2025). The company has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

Source: KBO
Status
Active since 27-09-2007 Normal situation
Activity
Personal service activities NACE 96910
Joint committees
322.01 Paritair Subcomité voor de erkende ondernemingen die buurtwerken of -diensten leveren
200 Aanvullend Paritair Comité voor de bedienden · annual accounts 2025
Establishment unit
2.165.820.552 9921 Lovendegem, since 14-09-2007
Financial year end
31 December
Peppol
Reachable since 29-09-2025

Board and ownership

Board

Financial position

53 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
€776,457
▼ 3.2%
Turnover
≈ €890,000
estimated
Loss
€14,899
Equity
€14,455
▼ 50.8%
Total assets
€87,758
▲ 0.2%
Employees on 31-12-2025
35
▲ 6.1%
Score breakdownraises riskCapped at 59: a net loss of at least half of total assets or of the equity at the start of the financial yearLoss of €14,899 (financial year 2025)Size: 22.6 FTE, total assets €87,758lowers riskLiquidity: current ratio 1.06, cash €20,510Founded in 2007Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 14% of small companies in personal services (NACE 96)
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick: 2024
Weak
Solvency 41-18
equity 16.5% of total assets
Liquidity 33-21
short-term debt 83.5% · cash 23.4%
Profitability 0-70
return on assets -17.0%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (347 companies, NACE 96, small)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.5%▲ +0.1 percentage points vs 01-2025 03-2025: 0.5%● unchanged vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.6%▲ +0.1 percentage points vs 04-2025 06-2025: 0.6%● unchanged vs 05-2025 07-2025: 0.6%● unchanged vs 06-2025 08-2025: 0.5%▼ -0.1 percentage points vs 07-2025 09-2025: 0.5%● unchanged vs 08-2025 10-2025: 0.5%● unchanged vs 09-2025 11-2025: 0.5%● unchanged vs 10-2025 12-2025: 0.5%● unchanged vs 11-2025 01-2026: 0.5%● unchanged vs 12-2025 02-2026: 0.2%▼ -0.3 percentage points vs 01-2026lowest value 03-2026: 0.2%● unchanged vs 02-2026lowest value 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 1.0%▲ +0.8 percentage points vs 07-2026highest value 09-2026: 1.0%● unchanged vs 08-2026highest value 10-2026: 1.0%● unchanged vs 09-2026highest value 11-2026: 1.0%● unchanged vs 10-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is tight, with a current ratio of 1.06 (1.26 in 2024), below the usual 1.5. Short-term debt is 83.5% and cash 23.4% of total assets. 83.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 96, small). It does better than 29% of them on solvency, 14% on liquidity, 3% on profitability and 8% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Loss of €14,899 (financial year 2025)
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.06, cash €20,510
NBB · annual accounts
raises risk · Size: 22.6 FTE, total assets €87,758
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Founded in 2007
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
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 filings
Deviation from the deadline
2025
3 days early
2024
28 days early
2023
6 days early
2022
1 day late
2021
3 days early
2020
2 days early
2019
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 6 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 28 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 86% of companies in personal servicessector median €5,264 · 1,372 companies -€14,899 View
  • Flemish supportawarded from 2022 to 2025 €2.4m View
  • Caution: Fewer staff in 2025from 30.8 FTE to 22.6 FTE ▼ 26.6% View

Recent changes

  1. · Gazette deed Company renamed from Home & Consultancy BVBA to Home & ConsultancyRegistered office moved within Lievegem · New seat: 9930 Lievegem, Dekenijstraat 34, bus 2.01 · Previous seat: 9921 Lievegem, Meirestraat 6
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as Home & Consultancy: personal service activities (NACE 96910). They are comparable in size and age: total assets between €78,900 and €156,000, founded between 2006 and 2010.

CompanyTotal assetsGross margin
Home & Consultancy Lievegem€87,758€776,457
I.L. & C.-TITRES SERVICES-AGENCE D'EVERE Tubize€78,886€721,947
Actinetservices Anderlecht€123,483€710,931
STRIJKIJZERTJE Hove€155,752€755,848
NETLux Saint-Hubert€123,915€572,599
Alô Services Braine-l'Alleud€105,068€721,754
A. PRO TITRES-SERVICES Perwez€111,568€663,143
Full comparison

Key facts about Home & Consultancy

What is the company number of Home & Consultancy?
The company number of Home & Consultancy is 0892.362.584. The VAT number is the same number with BE in front: BE 0892.362.584.
Where is Home & Consultancy based?
The registered office is at Dekenijstraat 34, 9930 Lievegem.Company details
What does Home & Consultancy do?
According to the KBO register, the main activity is personal service activities (NACE 96910).
What is the legal form of Home & Consultancy?
The legal form of Home & Consultancy is Private limited company (BV).
When was Home & Consultancy founded?
Home & Consultancy was founded on 27-09-2007.
Is Home & Consultancy still active?
Yes, Home & Consultancy is an active enterprise in the KBO register.
How many employees does Home & Consultancy have?
Home & Consultancy had an average of 22.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does Home & Consultancy fall under?
In its 2025 annual accounts, Home & Consultancy states joint committees 322.01 (Paritair Subcomité voor de erkende ondernemingen die buurtwerken of -diensten leveren) and 200 (Aanvullend Paritair Comité voor de bedienden).
What is the turnover of Home & Consultancy?
The turnover in financial year 2025 is ≈ €890,000. This figure is estimated from the gross margin of €776,457 and 30 comparable companies (NACE 96). It probably lies between €820,000 and €1.4m.
Is Home & Consultancy profitable?
In financial year 2025, Home & Consultancy made a loss of €14,899.
Where can I find the annual accounts of Home & Consultancy?
Home & Consultancy filed 18 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Home & Consultancy due?
Home & Consultancy must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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