HOME DIRECT
ActiveSummary
HOME DIRECT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €6k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 75% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+18
Solvency100▲+6
Growth52=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.01 in 2024; short-term debt: 24.2% and cash: 1.3% of total assets), and 24.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
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
75.8%
Return on assets
8.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-09-2026, 53 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
53 d late
2024
18 d early
2023
7 d early
2022
8 d late
2021
60 d late
2020
81 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 12.4%
2024 · €48k
2018: €15k
2019: €32k
2020: €26k
2021: €47k
2022: €36k
2023: €47k
2024: €48k
2018 → 2025
Total assets
€71k▲ 2.4%
2024 · €69k
2018: €50k
2019: €62k
2020: €53k
2021: €59k
2022: €64k
2023: €48k
2024: €69k
2018 → 2025
Net result
€6k▲ 816%
2024 · €644
2018: €8k
2019: €17k
2020: €-6k
2021: €21k
2022: €-11k
2023: €11k
2024: €644
2018 → 2025
Working capital
€33k▲ 51.9%
2024 · €21k
2018: €15k
2019: €29k
2020: €20k
2021: €41k
2022: €32k
2023: €43k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€36k▼ 23.1%€47k▲ 30.7%€48k▲ 1.4%€54k▲ 12.4%
Operating result€26k-€-11k€11k€1k▼ 89.5%€8k▲ 566%
Net result€21k-€-11k€11k€644▼ 94.2%€6k▲ 816%
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 recovers in 2025; 2025 is 566% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€21k ▼ 19.9%
Current assets
€50k ▲ 16.1%
Equity and liabilities €71k
Equity
€54k ▲ 12.4%
Debt
€17k ▼ 20.0%
Debt's share of the balance-sheet total falls from 30.9% to 24.2%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
2.91▲
2024 · 2.01
Debt to equity
0.32▼
2024 · 0.45
ROE
11.0%▲
2024 · 1.4%
ROA
8.4%▲
2024 · 0.9%
Debt ≤ 1 year
€17k▼
2024 · €21k
Income taxes
€2k▲
2024 · €180
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€69k€71k▲
Fixed assets21/28€26k€21k▼
Tangible fixed assets22/27€24k€19k▼
Furniture and vehicles24€24k€19k▼
Financial fixed assets28€2k€2k▼
Current assets29/58€43k€50k▲
Amounts receivable within one year40/41€40k€47k▲
Trade receivables40€31k€36k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€2k€899▼
Deferred charges and accrued income490/1€922€2k▲
Equity and liabilities
Total equity and liabilities10/49€69k€71k▲
Equity10/15€48k€54k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€40k€45k▲
Amounts payable17/49€21k€17k▼
Amounts payable within one year42/48€21k€17k▼
Trade debts44€509€11k▲
Suppliers440/4€509€11k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€180€6k▲
Remuneration and social security454/9€4k-
Other amounts payable47/48€17k-
Income statement
Code20242025
Gross operating margin9900€1k€8k▲
Operating profit (loss)9901€1k€8k▲
Financial income75/76B€21€1▼
Recurring financial income75€21€1▼
Financial charges65/66B€368€283▼
Recurring financial charges65€368€283▼
Profit (loss) for the period before taxes9903€824€8k▲
Income taxes67/77€180€2k▲
Profit (loss) for the period9904€644€6k▲
Profit (loss) for the period to be appropriated9905€644€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€45k▲
Profit (loss) brought forward from the previous period14P€39k€40k▲
The notes to these accounts (7 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
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 53 days late
2025
13-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity times 16current ratio 34.13
Current ratio from 2.13 to 34.13; short-term debt falls from €28k to €1k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 8 days late
2022
31-12
Financial
Weakest financial yearnet €-11k ▼152%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.31
Current ratio from 1.74 to 4.31; short-term debt falls from €27k to €12k.
20-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 81 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
Show earlier events
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 27 days late
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, Kortenberg · 1 establishment unit since 2015
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.
Beekstraat 113070 KortenbergGround area
619 m²
Building footprint
133 m²
Volume, LiDAR
933 m³
2 parcels, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOME DIRECT
since 20152.243.195.175
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055B0206/00E003 | Flanders | 434 m² | 1 · 54 m² | 9.1 m · 2 fl. |
| 24055A0005/00P011 | Flanders | 185 m² | 1 · 78 m² | 10.8 m · 3 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.
Similar companies · same sector, comparable size
RG ENTREPRISE
BE 0805.127.714
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BVL CONSTRUCT
BE 0831.802.714
Anderlecht · Eq €47,622
POLDAK
BE 0676.692.685
Wavre · Eq €47,676
KATA & KOR
BE 0770.539.195
Wezembeek-Oppem · Eq €47,607
TDI INVEST
BE 0674.379.335
Zemst · Eq €47,604
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 6,061 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2015
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@home-direct.be