HOME INSULATION PROJECT

Active

Private limited companyfounded 20242 yrs activeLangestraat 19, 1730 Asse, BelgiumKBO/BCE: BE 1005.836.055

The annual accounts of HOME INSULATION PROJECT for fiscal year 2025 show a net loss of 80% of total assets. The 2025 annual accounts show equity of €2k and a net result of €-2k. Its solvency ranks better than 95% of 14056 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).

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Checked score

Score 2025

59 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency100=

Growth58

Track record82

Bankruptcy probability, 12 months

1.1% Low

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

balance sheet total too small for a liquidity verdict.

How do we compute the score and the probability?

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

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 68

Relative position

BE, all sectors

reference

Sector 68

lower

← fewer bankruptcies more bankruptcies →

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 2025

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 2 filings

Deviation from the deadline

2025

18 d late

2024

28 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€2k▼ 45.6%

2024 · €4k

2024: €4k

2024 → 2025

Total assets

€2k▼ 43.1%

2024 · €4k

2024: €4k

2024 → 2025

Net result

€-2k▲ 13.3%

2024 · €-2k

2024: €-2k

2024 → 2025

Working capital

€2k

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€4k-€2k▼ 45.6%

Operating result€-2k-€-2k▲ 14.5%

Net result€-2k-€-2k▲ 13.3%

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 €2k in 2025 against €2k in 2024; the loss shrinks.

Balance-sheet composition

Equity and liabilities €2k

95.7%

Equity €2k

Debt €97

Debt finances 4.3% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2024

EBITDA

€-2k▼

2024 · €-1k

Cash flow

€-2k▼

2024 · €-1k

Interest coverage

-29.80▲

2024 · -32.53

Debt

€97

Debt ≤ 1 year

€97

Ratios withheld: a balance sheet total of €2k is too small for a meaningful ratio.

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€4k€2k▼

Formation expenses20€98€0▼

Current assets29/58€4k€2k▼

Amounts receivable within one year40/41€380€34▼

Other amounts receivable41€380€34▼

Cash at bank and in hand54/58€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€4k€2k▼

Equity10/15€4k€2k▼

Contributions10/11€6k€6k=

Profit (loss) carried forward14€-2k€-4k▼

Amounts payable17/49-€97

Amounts payable within one year42/48-€97

Trade debts44-€97

Suppliers440/4-€97

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€845€98▼

Other operating charges640/8-€418

Gross operating margin9900€-1k€-1k▼

Operating profit (loss)9901€-2k€-2k▲

Financial charges65/66B€36€55▲

Recurring financial charges65€36€55▲

Profit (loss) for the period before taxes9903€-2k€-2k▲

Profit (loss) for the period9904€-2k€-2k▲

Profit (loss) for the period to be appropriated9905€-2k€-2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-2k€-4k▼

Profit (loss) brought forward from the previous period14P-€-2k

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

18-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 18 days late

2025

28-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 28 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Asse · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Langestraat 191730 Asse

Ground area

3,976 m²

Building footprint

656 m²

Volume, LiDAR

2,171 m³

Parcel 23322C0249/00A004, Flanders · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

HOME INSULATION PROJECT

Langestraat 19, 1730 AsseReal estate development

since 20242.356.360.028

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23322C0249/00A004	Flanders	3,975 m²	1 · 656 m²	5.9 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

Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 1,348 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-02-2024

Fiscal year end31-12

Abbreviation NL HIP

Activities, NACEBEL

68121Development of residential building projects

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

41003General construction of other non-residential buildings

68122Development of non-residential building projects

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.