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Complete company report
Generated 03-09-2026
Active BE 0442.432.242Private limited company

HOME DE L'ART

Avenue des Tilleuls(CH) 21 ·6460 Chimay, Belgium· 35 yrs active
Sector: Overige detailhandel in nieuwe artikelen neg (47789)
Conclusion Checked

HOME DE L'ART has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €-21k. The computed 12-month bankruptcy probability is 0.6% (low).

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €280k
Net result €-21k
Staff (FTE) 2
Active 35 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health42Profitability0Solvency97Growth32Stability100
54 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 42
Profitability 0
Solvency 97
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.6% Low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Higher-failure-rate region +

How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
Long-established
Founded in 1990, 35 years in business.
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.
Checked score FY 2025 · computed
42 / 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 2025. Indicative, not credit advice.
Financial overview32 NBB filings
Annual accounts filed on 09-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
€-30k€-20k€-10k€0Operating result 2024: €-7k€-7kNet result 2024: €-8k€-8kOperating result 2025: €-20k€-20kNet result 2025: €-21k€-21k20242025
Operating resultNet result
EBITDA
€2k
-81.0% 24-25
Net profit
€-21k
-168.1% 24-25
Cash flow
€483
-95.1% 24-25
Total assets
€378k
-7.8% 24-25
Equity
€280k
-7.0% 24-25
Working capital
€83k
+0.6% 24-25
Employees (FTE)
2
0.0% 24-25
Staff costs
€63k
-1.6% 24-25
Income taxes
€153
+8.1% 24-25
Debt
€97k
-10.1% 24-25
Debt ≤ 1y
€97k
-10.1% 24-25
Current ratio
1.85
+5.1% 24-25
Quick ratio
0.27
+56.5% 24-25
Solvency
74.2%
+0.9% 24-25
Debt / equity
0.35
-3.3% 24-25
ROE
-7.5%
-188.2% 24-25
ROA
-5.6%
-190.8% 24-25
Interest coverage
1.02
-86.1% 24-25
Figures by fiscal year and ratios
Fiscal year2025
Depositabbreviated schema
Revenue-
EBITDA€2k
Net profit€-21k
Cash flow€483
Staff costs€63k
Income taxes€153
Dividends-
Total assets€378k
Equity€280k
Debt€97k
of which ≤ 1y€97k
of which > 1y-
Working capital€83k
Employees (FTE)2.0
Ratios (computed)
2025
Current ratio1.85
Quick ratio0.27
Working capital ratio21.9%
Solvency74.2%
Debt / equity0.35
Long-term debt ratio-
Interest coverage1.02
Gross margin-
Net margin-
ROA-5.6%
ROE-7.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€378k
Fixed assets 21/28€198k
Tangible fixed assets 22/27€198k
Current assets 29/58€180k
Stocks & contracts in progress 3€153k
Amounts receivable within one year 40/41€1k
Cash & bank 54/58€25k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€378k
Equity 10/15€280k
Contributions / capital 10/11€370k
Reserves 13€106k
Accumulated profits (losses) 14€-323k
Amounts payable 17/49€97k
Amounts payable within one year 42/48€97k
Trade debts payable within one year 44€16k
Income statement
Gross operating margin 9900€71k
Operating result 9901€-20k
Financial income 75€589
Financial charges 65€2k
Result before taxes 9903€-21k
Income taxes 67/77€153
Net result for the period 9904€-21k
Result to be appropriated 9905€-21k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • MATHIEU Marie-Catherine
    Director
    State Gazette act 24401573 (31-05-2024)
    Current
    31-05-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Overige detailhandel in nieuwe artikelen neg(47789)
Legal form Private limited company(610)
Incorporation19-12-1990
StatusActive
Postal code6460
Establishment units 1 location
Avenue des Tilleuls(CH) 21, 6460 Chimay
de groothandel in fournituren : naaigaren, band, lint, enz.
since 19912.050.968.097
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56067B0317/00N000 Wallonia 3,529 m² 1 · 662 m² -
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.
Updates 11 events
2026
09-07-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
04-06-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
31-05-2024 State Gazette act Director changes
Philippe LAMBINET
2023
30-06-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
28-10-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07-2020 NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
09-10-2019 NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08-2018 NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
22-09-2017 NBB filing Annual accounts filed
fiscal year 2016 · micro schema
Belgian State Gazette reading coverage 0 of 6 acts read

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
31-05-2024 MATHIEU Marie-Catherine appointed as director Director changes·Philippe LAMBINET
  • MATHIEU Marie-Catherine, Bestuurder
Notary: Philippe LAMBINET · Couvin
Technical details 
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  "act_meta": {
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}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Overige niet-gespecialiseerde detailhandel47120Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen niet overheersen (verkoopoppervlakte < 2500 m²)47191Overige detailhandel in nieuwe artikelen neg47789Overige niet-gespecialiseerde detailhandel in winkels (verkoop van overwegend niet-voedingsmiddelen met verkoopsoppervlakte van mind er dan 2.500 m2)52122Overige gespecialiseerde detailhandel in artikelen, andere dan voedingsmiddelen, n.e.g.52498
Primary activity highlighted.
Names & trade names
Legal nameFR HOME DE L'ART
Registered office
Avenue des Tilleuls(CH) 21
6460 Chimay, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative