Home Improvement has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €-1k. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
No current score
Insufficient figures
A score requires measurable solvency, liquidity and profitability. Missing figures are not a judgement about the company.
Axes · tick = 2024
Profitability22▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
100%
Return on assets
-6.2%
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 31-08-2026, 31 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 · 8 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
27 d late
2019
31 d late
← before the deadline
after the deadline →
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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 5.9%
2024 · €18k
2018: €-18k
2019: €-7k
2020: €-3k
2021: €6k
2022: €19k
2023: €18k
2024: €18k
2018 → 2025
Total assets
€17k▼ 25.7%
2024 · €22k
2018: €171
2019: €1k
2020: €9
2021: €9k
2022: €24k
2023: €22k
2024: €22k
2018 → 2025
Net result
€-1k▼ 76.3%
2024 · €-586
2018: €-25k
2019: €-1k
2020: €4k
2021: €9k
2022: €13k
2023: €-648
2024: €-586
2018 → 2025
Working capital
€18k▼ 3.2%
2023 · €19k
2018: €-18k
2019: €-7k
2020: €-3k
2021: €6k
2022: €19k
2023: €19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€19k▲ 220%€18k▼ 3.4%€18k▼ 3.2%€17k▼ 5.9%
Operating result€9k-€13k▲ 40.9%€-516€-519▼ 0.5%€-844▼ 62.6%
Net result€9k-€13k▲ 41.8%€-648€-586▲ 9.5%€-1k▼ 76.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €844 in 2025 against €519 in 2024; the loss grows and 2025 has the lowest result in the available series.
Key figures and ratios
Solvency
100.0%▲
2024 · 79.0%
ROE
-6.2%▼
2024 · -3.3%
ROA
-6.2%▼
2024 · -2.6%
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€22k€17k▼
Current assets29/58€22k€17k▼
Amounts receivable within one year40/41€22k€17k▼
Other amounts receivable41€22k€17k▼
Equity and liabilities
Total equity and liabilities10/49€22k€17k▼
Equity10/15€18k€17k▼
Contributions10/11€19k€19k=
Reserves13€281€281=
Non-distributable reserves130/1€281€281=
Reserves not available under the articles1311€281€281=
Profit (loss) carried forward14€-1k€-2k▼
Amounts payable17/49€5k-
Amounts payable within one year42/48€4k-
Financial debts43€89-
Credit institutions430/8€89-
Trade debts44€519-
Suppliers440/4€519-
Other amounts payable47/48€4k-
Accrued charges and deferred income492/3€384-
Income statement
Code20242025
Other operating charges640/8-€844
Gross operating margin9900€-519-
Operating profit (loss)9901€-519€-844▼
Financial charges65/66B€68€190▲
Recurring financial charges65€68€190▲
Profit (loss) for the period before taxes9903€-586€-1k▼
Profit (loss) for the period9904€-586€-1k▼
Profit (loss) for the period to be appropriated9905€-586€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-2k▼
Profit (loss) brought forward from the previous period14P€-648€-1k▼
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €13k ▲41.8%
Operating result €13k, net result €13k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity times 976current ratio 2.68
Current ratio from 0.00 to 2.68.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 148 days late
Financial 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 2018
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.
31-03-2018
Raman Stefaan: Resigned as Manager
31-03-2018
Szczepkowski Lukasz: Resigned as Manager
Location & real-estate footprint
Registered office, Waasmunster · 1 establishment unit since 2017
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.
Neerstraat 1599250 WaasmunsterGround area
742 m²
Building footprint
436 m²
Volume, LiDAR
1,738 m³
Parcel 42342C2282/00F000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Home Improvement
since 20172.265.956.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C2282/00F000 | Flanders | 742 m² | 1 · 436 m² | 9.7 m · 1 fl. |
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
Cecilia Roos
BE 0699.529.455
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REBEL REBELS
BE 0456.760.726
Leuven · Eq €17k
OUTLINER CONSULTING
BE 0803.441.397
Chaumont-Gistoux · Eq €17k
EPIDOTE Consulting
BE 0831.557.046
Brussel · Eq €17k
Alpha Plus Consulting
BE 0786.557.558
Waregem · Eq €17k
Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,479 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-04-2017
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
46190Agents in non-specialised wholesale trade
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.