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Complete company report
Generated 08-08-2026
Active BE 0674.701.019Private limited company (pre-2019)

Home Improvement

Neerstraat 159 ·9250 Waasmunster, Belgium· 9 yrs active
Sector: NACE 82990 (82990)
Conclusion Checked

The computed 12-month bankruptcy probability of Home Improvement is 0.5% (low). The 2024 annual accounts show equity of €18k and a net result of €-586. Equity is growing by ~37% per year across the filed fiscal years. Its solvency ranks better than 82% of 3170 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.
Key figures
Equity €18k
Net result €-586
Better than sector 82%
Active 9 yrs
Snowflake analysis 5 axes · computed by Checked
Health70Profitability0Solvency100Growth78Stability100
70 / 100

Strong profile, led by solvency.

Health 70
Profitability 0
Solvency 100
Growth 78
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.5% Low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2017, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2024 · computed
70 / 100 Healthy
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview7 NBB filings
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
€-30k€-20k€-10k€0€10kOperating result 2020: €4k€4kNet result 2020: €-22k€-22kOperating result 2021: €9k€9kNet result 2021: €9k€9kOperating result 2022: €13k€13kNet result 2022: €13k€13kOperating result 2023: €-516€-516Net result 2023: €-648€-648Operating result 2024: €-519€-519Net result 2024: €-586€-58620202021202220232024
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing Equity: growth of ~37%/year over 7 fiscal years, indicative, assuming unchanged policy.
€-20k€0€20k€40k€60k2025: €31k (€28k - €35k)2026: €38k (€32k - €43k)2027: €44k (€37k - €52k)2018: €-18k2019: €-7k2020: €-3k2021: €6k2022: €19k2023: €18k2024: €18k2018201920202021202220232024202520262027
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2024 · NACE 82 · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 79.0% 53.8%
better than 82% of 3170 sector peers
Net result €-586 €18k
better than 19% of 3169 sector peers
Equity €18k €40k
better than 31% of 3172 sector peers
Gross operating margin €-519 €36k
better than 11% of 3169 sector peers
Total assets €22k €93k
better than 13% of 3175 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-586
+9.5% +92% vs sector
Total assets
€22k
0.0% -92% vs sector
Equity
€18k
-3.2% -90% vs sector
Working capital
€18k
-3.2% -78% vs sector
Debt
€5k
+14.3% -84% vs sector
Debt ≤ 1y
€4k
+15.7% -86% vs sector
Current ratio
5.18
-13.6% -20% vs sector
Quick ratio
5.18
-13.6% +32% vs sector
Solvency
79.0%
-3.2% -12% vs sector
Debt / equity
0.27
+18.1% +122% vs sector
ROE
-3.3%
+6.5% +53% vs sector
ROA
-2.6%
+9.5% +62% vs sector
Figures by fiscal year
Fiscal year2024
Revenue-
EBITDA-
Net profit€-586
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€22k
Equity€18k
Debt€5k
of which ≤ 1y€4k
of which > 1y-
Working capital€18k
Employees (FTE)-
Ratios (computed)
2024
Current ratio5.18
Quick ratio5.18
Working capital ratio80.7%
Solvency79.0%
Debt / equity0.27
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-2.6%
ROE-3.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€22k
Current assets 29/58€22k
Amounts receivable within one year 40/41€22k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€22k
Equity 10/15€18k
Contributions / capital 10/11€19k
Reserves 13€281
Accumulated profits (losses) 14€-1k
Amounts payable 17/49€5k
Amounts payable within one year 42/48€4k
Trade debts payable within one year 44€519
Income statement
Gross operating margin 9900€-519
Operating result 9901€-519
Financial charges 65€68
Result before taxes 9903€-586
Net result for the period 9904€-586
Result to be appropriated 9905€-586
You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Former directors (2)
  • Raman Stefaan
    Manager
    State Gazette act 18087841 (06-06-2018)
    Former
    - → 31-03-2018
  • Szczepkowski Lukasz
    Manager
    State Gazette act 18087841 (06-06-2018)
    Former
    - → 31-03-2018
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Legal Structure
NACE primary 82990
Legal form Private limited company (pre-2019)(015)
Incorporation20-04-2017
StatusActive
Postal code9250
Establishment units 1 location
Home Improvement
Neerstraat 159, 9250 WaasmunsterHandelsbemiddeling in de niet-gespecialiseerde groothandel
since 20172.265.956.721
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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
42342C2282/00F000 Flanders 742 m² 1 · 436 m² 9.7 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
09-03-2026
State Gazette act Director changes
2025
29-08-2025
NBB filing Annual accounts filed
fiscal year 2024 · micro
2024
29-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
31-08-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
2022
31-08-2022
NBB filing Annual accounts filed
fiscal year 2021 · micro
2021
27-08-2021
NBB filing Annual accounts filed
fiscal year 2020 · micro
2020
31-08-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
26-12-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
06-06-2018
State Gazette act Director changes
v3.2
2017
24-04-2017
State Gazette act Incorporation
oprichting
Belgisch Staatsblad, acts 3 acts
All acts · 3 updated 5 months ago
2026
09-03-2026 1 director appointed, 1 resigning Director changes
  • Els Van Delm, Enig bestuurder
  • Johan Willaerts, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Johan Willaerts",
        "address": "9250 Waasmunster, Neerstraat 159",
        "birth_date": "1969-11-24",
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2026-02-19",
      "evidence_quote": "het ontslag werd unaniem aanvaard door alle aandeelhouders",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "enige_bestuurder",
      "person": {
        "rrn": null,
        "name": "Els Van Delm",
        "address": "9250 Waasmunster, Neerstraat 159",
        "birth_date": "1971-02-02",
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2026-02-19",
      "evidence_quote": "Met ingang van 19 februari 2026 wordt de vennootschap verder vertegenwoordigd en bestuurd door de enige bestuurder",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2026-03-09",
    "filing_date": "2026-02-27",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2026-02-19",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0674.701.019",
    "name_full": "HOME IMPROVEMENT",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": null,
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
2018
06-06-2018 2 resigning Director changes
  • Raman Stefaan, Zaakvoerder
  • Szczepkowski Lukasz, Zaakvoerder
Summary: v3.2
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Raman Stefaan",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2018-03-31",
      "evidence_quote": "De algemene vergadering beslist tot ortslag van de heer Raman Stefaan, voornoemd, als zaakvoerder van de vennootschap, met ingang vanaf 31/03/2018. Er wordt geen kwijting verleend voor het gevoerde beleid.",
      "discharge_granted": false
    },
    {
      "kind": "director_out",
      "role": "zaakvoerder",
      "person": {
        "rrn": null,
        "name": "Szczepkowski Lukasz",
        "address": null,
        "birth_date": null
      },
      "effective_date": "2018-03-31",
      "evidence_quote": "De algemene vergadering beslist tot ontslag van de heer Szczepkowski Lukasz, voornoemd, als zaakvoerder van de vennootschap, met ingang vanaf 31/03/2018. Er wordt geen kwijting verleend voor het gevoerde beleid.",
      "discharge_granted": false
    }
  ],
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "subject_company": {
    "kbo": "0674.701.019",
    "name_full": "HOME IMPROVEMENT",
    "legal_form": "BVBA"
  }
}
2017
24-04-2017 Incorporation of a new BV Incorporation
Summary: oprichting
Technical details 
{
  "kind": "oprichting",
  "seat": "9250 Waasmunster, Neerstraat 159",
  "schema": "v3.2",
  "act_meta": {
    "model_id": 36,
    "extractor": "constrained-core-35b"
  },
  "founders": [
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1971-02-02",
        "name": "VAN DELM Els Maria",
        "niss": null,
        "address": "9250 Waasmunster, Neerstraat 157"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "VAN DELM Els Maria",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1966-11-24",
        "name": "WILLAERTS Johan Pieter Anne Alex",
        "niss": null,
        "address": "9250 Waasmunster, Neerstraat 157"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "WILLAERTS Johan Pieter Anne Alex",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1980-04-07",
        "name": "SERGEANT Ellen",
        "niss": null,
        "address": "9290 Berlare, Mosseveldstraat 30/A000"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "SERGEANT Ellen",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1984-12-03",
        "name": "RAMAN Stefaan Andr\u00E9 Marie-Louise",
        "niss": null,
        "address": "9290 Berlare, Mosseveldstraat 30/A000"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "RAMAN Stefaan Andr\u00E9 Marie-Louise",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1981-06-02",
        "name": "SZCZEPKOWSKI Lukasz",
        "niss": null,
        "address": "1030 Schaarbeek, Roodebeeklaan 187/b001"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "SZCZEPKOWSKI Lukasz",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    },
    {
      "org": null,
      "kind": "natural_person",
      "person": {
        "dob": "1979-09-22",
        "name": "FIRLEJ Monika",
        "niss": null,
        "address": "1030 Schaarbeek, Roodebeeklaan 187/b001"
      },
      "share_class": "Ordinary",
      "partner_role": null,
      "holder_org_kbo": null,
      "holder_org_name": null,
      "contribution_type": "cash",
      "amount_paid_in_eur": 3100,
      "holder_person_name": "FIRLEJ Monika",
      "is_subscriber_only": false,
      "n_shares_subscribed": 31,
      "amount_subscribed_eur": 3100,
      "is_anonymous_silent_partner": false
    }
  ],
  "capital_eur": 18600,
  "subject_company": {
    "kbo": "0674.701.019",
    "name_full": "Home Improvement",
    "legal_form": "BV"
  },
  "initial_directors": [],
  "incorporation_date": "2017-04-20",
  "post_incorporation_mandates": []
}
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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Handelsbemiddeling in goederen, algemeen assortiment46190Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Holdings64200Activiteiten van holdings64210Handel in eigen onroerend goed68100Handel in eigen onroerend goed68110Activiteiten van hoofdkantoren70100Activiteiten van hoofdkantoren70100Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL Home Improvement
Registered office
Neerstraat 159
9250 Waasmunster, 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