HOME EXPERT IMMO
ActiveSummary
HOME EXPERT IMMO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €8k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 66% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+10
Solvency86▼-8
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 3.05 in 2024; short-term debt: 38.6% and cash: 44.4% of total assets), and 38.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
61.4%
Return on assets
11.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €41k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
55 d early
2023
56 d early
2022
24 d early
2021
30 d late
2020
30 d early
2019
50 d early
← 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
€41k▲ 22.9%
2024 · €33k
2018: €36k
2019: €32k
2020: €35k
2021: €40k
2022: €38k
2023: €32k
2024: €33k
2018 → 2025
Total assets
€67k▲ 37.3%
2024 · €49k
2018: €51k
2019: €45k
2020: €57k
2021: €54k
2022: €53k
2023: €45k
2024: €49k
2018 → 2025
Net result
€8k▲ 318%
2024 · €2k
2018: €-2k
2019: €-4k
2020: €3k
2021: €5k
2022: €-2k
2023: €-6k
2024: €2k
2018 → 2025
Working capital
€37k▲ 19.0%
2024 · €31k
2018: €36k
2019: €32k
2020: €35k
2021: €40k
2022: €35k
2023: €29k
2024: €31k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€38k▼ 6.0%€32k▼ 16.4%€33k▲ 5.8%€41k▲ 22.9%
Operating result€6k-€-2k€-6k▼ 188%€2k€12k▲ 441%
Net result€5k-€-2k€-6k▼ 156%€2k€8k▲ 318%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 441% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €67k
Fixed assets
€4k ▲ 78.8%
Current assets
€63k ▲ 35.3%
Equity and liabilities €67k
Equity
€41k ▲ 22.9%
Debt
€26k ▲ 68.8%
Debt's share of the balance-sheet total rises from 31.4% to 38.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€12k▲
2024 · €3k
Cash flow
€8k▲
2024 · €2k
Current ratio
2.44▼
2024 · 3.05
Debt to equity
0.63▲
2024 · 0.46
ROE
18.6%▲
2024 · 5.5%
ROA
11.4%▲
2024 · 3.8%
Interest coverage
224.45▲
2024 · 27.75
Debt ≤ 1 year
€26k▲
2024 · €15k
Income taxes
€4k▲
2024 · €312
Staff costs
€36k▼
2024 · €54k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€67k▲
Fixed assets21/28€2k€4k▲
Tangible fixed assets22/27€2k€4k▲
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24-€2k
Current assets29/58€46k€63k▲
Amounts receivable within one year40/41€43k€33k▼
Trade receivables40€43k€15k▼
Other amounts receivable41€468€17k▲
Cash at bank and in hand54/58€3k€30k▲
Deferred charges and accrued income490/1€325€472▲
Equity and liabilities
Total equity and liabilities10/49€49k€67k▲
Equity10/15€33k€41k▲
Contributions10/11€19k€19k=
Reserves13€2k€9k▲
Distributable reserves133€2k€9k▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€15k€26k▲
Amounts payable within one year42/48€15k€26k▲
Trade debts44€3k€14k▲
Suppliers440/4€3k€14k▲
Taxes, remuneration and social security45€10k€9k▼
Taxes450/3€2k€5k▲
Remuneration and social security454/9€9k€5k▼
Other amounts payable47/48€2k€3k▲
Accrued charges and deferred income492/3-€4
Income statement
Code20242025
Remuneration, social security and pensions62€54k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€300€362▲
Other operating charges640/8€601€2k▲
Gross operating margin9900€57k€50k▼
Operating profit (loss)9901€2k€12k▲
Financial income75/76B-€30
Recurring financial income75-€30
Financial charges65/66B€91€55▼
Recurring financial charges65€91€55▼
Profit (loss) for the period before taxes9903€2k€12k▲
Income taxes67/77€312€4k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€21k▲
Profit (loss) brought forward from the previous period14P€11k€13k▲
Transfer to equity691/2-€8k
To other reserves6921-€8k
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €8k ▲318%
Operating result €12k, net result €8k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, La Bruyère · 1 establishment unit since 2010
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.
Place Albert-Ier, St-Denis 95081 La BruyèreGround area
463 m²
Building footprint
70 m²
Parcel 92103B0420/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
ISOBEN SPRL
since 20102.194.973.012
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92103B0420/00R000 | Wallonia | 463 m² | 1 · 70 m² | - |
Linked by address, not proof of ownership
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.
Similar companies · same sector, comparable size
Revan Spuitkurk
BE 0737.833.963
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ICA
BE 0695.717.949
Kontich · Eq €40,655
DANY M CONSTRUCT
BE 0695.729.728
Merbes-le-Château · Eq €41,376
TBM PERFECT ISOL
BE 0738.770.410
Vilvoorde · Eq €41,386
Alena Rénovation
BE 1017.432.604
Seraing · Eq €41,510
Of 4,271 companies in sector 43230 we hold annual accounts for 1,241. 1,003 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
Founded16-11-2010
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
43230Insulation installation
70200Business and other management consultancy
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:isobensprl@gmail.com
Phone:081460889