HOME FOR YOU
ActiveSummary
HOME FOR YOU has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 33% of 315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency36▲+3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity short (current ratio 1.0 against 1.17 in 2024; short-term debt: 80.8% and cash: 70.9% of total assets), and 89.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
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
10.5%
Return on assets
1.7%
Age of the figures
9 mo
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 · 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 €71k
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
44 d early
2023
41 d early
2022
32 d early
2021
4 d early
2020
18 d early
2019
3 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, abbreviated schema
Equity
€71k▲ 19.3%
2024 · €60k
2018: €120k
2019: €22k
2020: €75k
2021: €5k
2022: €17k
2023: €35k
2024: €60k
2018 → 2025
Total assets
€679k▼ 8.7%
2024 · €743k
2018: €616k
2019: €636k
2020: €621k
2021: €647k
2022: €719k
2023: €765k
2024: €743k
2018 → 2025
Net result
€12k▼ 53.8%
2024 · €25k
2018: €7k
2019: €2k
2020: €53k
2021: €-19k
2022: €12k
2023: €18k
2024: €25k
2018 → 2025
Working capital
€-1k
2024 · €87k
2018: €62k
2019: €-27k
2020: €22k
2021: €-62k
2022: €-50k
2023: €82k
2024: €87k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€17k▲ 222%€35k▲ 107%€60k▲ 71.9%€71k▲ 19.3%
Operating result€-12k-€25k€43k▲ 76.3%€83k▲ 90.7%€52k▼ 37.5%
Net result€-19k-€12k€18k▲ 54.5%€25k▲ 39.4%€12k▼ 53.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €679k
Fixed assets
€132k ▲ 0.5%
Current assets
€547k ▼ 10.6%
Equity and liabilities €679k
Equity
€71k ▲ 19.3%
Debt
€607k ▼ 11.1%
Debt's share of the balance-sheet total falls from 91.9% to 89.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€67k▼
2024 · €96k
Cash flow
€27k▼
2024 · €39k
Current ratio
1.00▼
2024 · 1.17
Debt to equity
8.50▼
2024 · 11.41
ROE
16.2%▼
2024 · 41.8%
ROA
1.7%▼
2024 · 3.4%
Interest coverage
6.60▼
2024 · 6.98
Debt ≤ 1 year
€548k▲
2024 · €525k
Debt > 1 year
€59k▼
2024 · €133k
Income taxes
€31k▼
2024 · €46k
Staff costs
€3.69M▲
2024 · €3.47M
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€743k€679k▼
Fixed assets21/28€131k€132k▲
Tangible fixed assets22/27€131k€131k▲
Land and buildings22€114k€107k▼
Plant, machinery and equipment23€16k€24k▲
Financial fixed assets28€473€473=
Current assets29/58€612k€547k▼
Amounts receivable within one year40/41€145k€63k▼
Trade receivables40€50k€38k▼
Other amounts receivable41€95k€25k▼
Current investments50/53€50k€0▼
Cash at bank and in hand54/58€394k€481k▲
Deferred charges and accrued income490/1€24k€3k▼
Equity and liabilities
Total equity and liabilities10/49€743k€679k▼
Equity10/15€60k€71k▲
Contributions10/11€19k€19k=
Reserves13€41k€53k▲
Distributable reserves133€41k€53k▲
Amounts payable17/49€683k€607k▼
Amounts payable after more than one year17€133k€59k▼
Financial debts170/4€133k€59k▼
Amounts payable within one year42/48€525k€548k▲
Current portion of amounts payable after more than one year42€31k€45k▲
Financial debts43€25k€1k▼
Credit institutions430/8€25k€1k▼
Trade debts44€18k€10k▼
Suppliers440/4€18k€10k▼
Taxes, remuneration and social security45€437k€485k▲
Taxes450/3€11k€17k▲
Remuneration and social security454/9€426k€468k▲
Other amounts payable47/48€15k€8k▼
Accrued charges and deferred income492/3€25k€0▼
Income statement
Code20242025
Non-recurring operating income76A€500€0▼
Remuneration, social security and pensions62€3.47M€3.69M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€13k€14k▲
Gross operating margin9900€3.58M€3.77M▲
Operating profit (loss)9901€83k€52k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€71k€43k▼
Income taxes67/77€46k€31k▼
Profit (loss) for the period9904€25k€12k▼
Profit (loss) for the period to be appropriated9905€25k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€12k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€25k€12k▼
To other reserves6921€25k€12k▼
Social balance
Average headcount (FTE)908794.490.0▼
The notes to these accounts (20 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
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-19k ▼137%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €53k ▲3250%
Net result €53k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 7 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Aalter · 2 establishment units since 2013
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.
Veldstraat 39910 AalterGround area
1,101 m²
Building footprint
492 m²
Volume, LiDAR
2,545 m³
2 parcels, Flanders · tallest building 25.0 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
HOME FOR YOU
since 20132.222.758.562
HOME FOR YOU
since 20192.291.069.625
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44029A0857/00C000 | Flanders | 912 m² | 2 · 330 m² | 25.0 m · 1 fl. |
| 43010G0307/00H000 | Flanders | 189 m² | 1 · 162 m² | 14.7 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 15 entries · 9,119,422 EUR awarded · 9,113,794 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 5 | 2,537,948 EUR | 2,536,479 EUR |
| 2024 | 4 | 2,515,010 EUR | 2,516,979 EUR |
| 2023 | 3 | 2,242,717 EUR | 2,242,736 EUR |
| 2022 | 3 | 1,823,747 EUR | 1,817,600 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions: source did not answer, try again later.
Similar companies · same sector, comparable size
LYNX PARTNERS
BE 0758.364.212
Roeselare · Eq €71,557
ABC SERVICES JONGMANS
BE 0540.969.691
Willebroek · Eq €71,236
NB. Advisory & Talent Management
BE 0698.744.646
Waterloo · Eq €71,744
Seven CA & IM
BE 0690.827.367
Antwerpen · Eq €71,048
Co-Motion Agency
BE 0478.105.278
Kortenberg · Eq €72,033
Of 2,361 companies in sector 78100 we hold annual accounts for 1,364. 1,083 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
Founded09-09-2013
Fiscal year end31-12
Activities, NACEBEL 2025
78100Employment placement agencies
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.