HOME IMMO CONSTRUCT
ActiveThe computed 12-month bankruptcy probability of HOME IMMO CONSTRUCT is 2.4% (moderate). The 2025 annual accounts show equity of €18k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 27676 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-14
Solvency55▲+11
Growth78=
Track record92
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.31 against 1.03 in 2024; short-term debt: 70.1% and cash: 15.1% of total assets), and 70.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
29.9%
Return on assets
13.6%
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 23-08-2026, 23 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
23 d late
2024
24 d late
2023
57 d late
2022
60 d late
2021
60 d late
2020
27 d late
2019
60 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€18k▲ 83.6%
2024 · €10k
2018: €-18k
2019: €-19k
2020: €9k
2021: €-26k
2022: €-30k
2023: €-81k
2024: €10k
2018 → 2025
Total assets
€60k▲ 16.6%
2024 · €52k
2018: €8k
2019: €7k
2020: €33k
2021: €17k
2022: €26k
2023: €57k
2024: €52k
2018 → 2025
Net result
€8k▼ 90.9%
2024 · €91k
2018: €-2k
2019: €-613
2020: €28k
2021: €-36k
2022: €-4k
2023: €-51k
2024: €91k
2018 → 2025
Working capital
€13k▲ 886%
2024 · €1k
2018: €-18k
2019: €-19k
2020: €2k
2021: €-33k
2022: €-33k
2023: €-93k
2024: €1k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-26k-€-30k▼ 16.5%€-81k▼ 167%€10k€18k▲ 83.6%
Operating result€-35k-€-4k▲ 89.0%€-50k▼ 1,200%€95k€15k▼ 84.1%
Net result€-36k-€-4k▲ 87.9%€-51k▼ 1,077%€91k€8k▼ 90.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€5k▼ 43.0%
Current assets
€55k▲ 28.3%
Equity and liabilities €60k
Equity
€18k▲ 83.6%
Debt
€42k▲ 0.8%
The debt ratio falls from 81.0% to 70.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▼
2024 · €99k
Cash flow
€12k▼
2024 · €95k
Solvency
29.9%▲
2024 · 19.0%
Current ratio
1.31▲
2024 · 1.03
Quick ratio
1.31▲
2024 · 1.03
Debt / equity
2.34▼
2024 · 4.26
ROE
45.5%▼
2024 · 923.1%
ROA
13.6%▼
2024 · 175.6%
Interest coverage
10.82▼
2024 · 73.09
Debt
€42k▲
2024 · €42k
Debt ≤ 1 year
€42k▲
2024 · €42k
Income taxes
€5k▲
2024 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€52k€60k▲
Fixed assets21/28€8k€5k▼
Tangible fixed assets22/27€6k€3k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€1k-
Financial fixed assets28€2k€2k=
Current assets29/58€43k€55k▲
Amounts receivable within one year40/41€26k€45k▲
Trade receivables40€4k€13k▲
Other amounts receivable41€22k€31k▲
Cash at bank and in hand54/58€17k€9k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€52k€60k▲
Equity10/15€10k€18k▲
Contributions10/11€6k€6k=
Reserves13€4k€12k▲
Distributable reserves133€4k€12k▲
Amounts payable17/49€42k€42k▲
Amounts payable within one year42/48€42k€42k▲
Trade debts44€21k€22k▲
Suppliers440/4€21k€22k▲
Taxes, remuneration and social security45€12k€11k▼
Taxes450/3€12k€9k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€8k€8k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€869€1k▲
Gross operating margin9900€101k€21k▼
Operating profit (loss)9901€95k€15k▼
Financial income75/76B€67€0▼
Recurring financial income75€67€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€94k€13k▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€91k€8k▼
Profit (loss) for the period to be appropriated9905€91k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€8k▲
Profit (loss) brought forward from the previous period14P€-87k-
Transfer to equity691/2€4k€8k▲
To other reserves6921€4k€8k▲
The notes to these accounts (8 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
20-06
KBO administration
Address struck
2024
31-12
Financial
Back to profitnet €91k
Net result €91k after 3 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.03
Current ratio from 0.33 to 1.03; short-term debt falls from €138k to €42k.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet €-51k
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.10
Current ratio from 0.27 to 1.10; short-term debt falls from €26k to €24k.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-11-2016
Resigned as Director
Location & real-estate footprint
Registered office, Dilbeek · 1 establishment unit since 2008
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.
H. Moeremanslaan 123A1700 DilbeekGround area
555 m²
Building footprint
270 m²
Volume, LiDAR
3,191 m³
2 parcels, Brussels, Flanders · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HOME IMMO CONSTRUCT
since 20082.174.248.763
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21464D0101/00H004 | Brussels | 320 m² | 1 · 170 m² | 15.9 m · 4 fl. |
| 23016D0216/00P007 | Flanders | 236 m² | 1 · 101 m² | 15.6 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.
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DA Renovatie
BE 0670.624.841
Lille · Eq €18k
D&R KRAANWERKEN
BE 1009.607.870
Hamont-Achel · Eq €18k
MARAGLIANO CONSTRUCTION
BE 1003.338.108
La Louvière · Eq €18k
GLI-MAL
BE 0863.930.894
Sint-Jans-Molenbeek · Eq €18k
Of 15,529 companies in sector 43990 we hold annual accounts for 7,423. 5,061 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-08-2008
Fiscal year end31-12
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
43110Demolition
68110Buying and selling of own real estate
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0472/584282