HOME INTERIOR CONSULTING & Co
ActiveSummary
HOME INTERIOR CONSULTING & Co has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160k and a net result of €16k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 85% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+4
Solvency100=
Growth71=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.19 in 2024; short-term debt: 6.2% and cash: 1.2% of total assets), and 14.1% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
85.9%
Return on assets
8.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
39 d early
2023
on the day
2022
106 d late
2021
40 d early
2020
4 d late
2018
78 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€79k▲ 7.3%
2020 · €73k
2020: €73k
2020 → 2021
EBIT margin
17.2%▲ 21.9pp
2020 · -4.6%
2020: -4.6%
2020 → 2021
Net result
€16k▲ 61.7%
2024 · €10k
2020: €-4k
2021: €13k
2022: €16k
2023: €29k
2024: €10k
2020 → 2025
Working capital
€5k▲ 89.7%
2024 · €3k
2020: €-70k
2021: €-54k
2022: €-36k
2023: €-4k
2024: €3k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€79k-
Equity€145k-€151k▲ 4.1%€170k▲ 12.7%€169k▼ 0.2%€160k▼ 5.5%
Operating result€14k-€16k▲ 19.1%€33k▲ 104%€14k▼ 58.9%€22k▲ 61.4%
Net result€13k-€16k▲ 18.9%€29k▲ 83.9%€10k▼ 66.8%€16k▲ 61.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €186k
Fixed assets
€169k ▲ 1.7%
Current assets
€17k ▼ 6.2%
Equity and liabilities €186k
Equity
€160k ▼ 5.5%
Debt
€26k ▲ 72.9%
Debt's share of the balance-sheet total rises from 8.2% to 14.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €28k
Cash flow
€32k▲
2024 · €24k
Current ratio
1.47▲
2024 · 1.19
Debt to equity
0.16▲
2024 · 0.09
ROE
9.7%▲
2024 · 5.7%
ROA
8.3%▲
2024 · 5.2%
Interest coverage
106.46▲
2024 · 103.20
Debt ≤ 1 year
€12k▼
2024 · €15k
Debt > 1 year
€15k
Income taxes
€6k▲
2024 · €4k
Staff costs
€515▲
2024 · €496
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€185k€186k▲
Fixed assets21/28€167k€169k▲
Tangible fixed assets22/27€166k€169k▲
Land and buildings22€158k€146k▼
Plant, machinery and equipment23€6k€17k▲
Furniture and vehicles24€3k€7k▲
Financial fixed assets28€186€186=
Current assets29/58€18k€17k▼
Stocks and contracts in progress3€750-
Stocks30/36€750-
Amounts receivable within one year40/41€10k€14k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€922€603▼
Equity and liabilities
Total equity and liabilities10/49€185k€186k▲
Equity10/15€169k€160k▼
Contributions10/11€20k€5k▼
Revaluation surpluses12€150k€140k▼
Profit (loss) carried forward14€-715€15k▲
Amounts payable17/49€15k€26k▲
Amounts payable after more than one year17-€15k
Other amounts payable178/9-€15k
Amounts payable within one year42/48€15k€12k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€5k€10k▲
Taxes450/3€5k€10k▲
Other amounts payable47/48€7k-
Income statement
Code20242025
Non-recurring operating income76A€10k€10k=
Remuneration, social security and pensions62€496€515▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€31k€42k▲
Operating profit (loss)9901€14k€22k▲
Financial income75/76B€148€154▲
Recurring financial income75€148€154▲
Financial charges65/66B€267€364▲
Recurring financial charges65€267€364▲
Profit (loss) for the period before taxes9903€13k€22k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€10k€16k▲
Profit (loss) for the period to be appropriated9905€10k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-715€15k▲
Profit (loss) brought forward from the previous period14P€-10k€-715▲
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2020net €29k ▲83.9%
Operating result €33k, net result €29k, both a record.
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 106 days late
2022
30-06
Financial
Equity above €150kEq €151k ▲4.1%
2 profitable years in a row build equity to €151k.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
04-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 4 days late
2018
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
20-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
19-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
24-12
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Waterloo · 2 establishment units since 1997
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.
Rue Libert (François) 101410 WaterlooGround area
570 m²
Building footprint
158 m²
Volume, LiDAR
731 m³
Parcel 25762H0140/00B000, Wallonia · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ERIC MARDAGA & CO
since 19972.083.000.269
ERIC MARDAGA
since 20022.113.675.728
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762H0140/00B000 | Wallonia | 570 m² | 1 · 158 m² | 5.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
A.D.M. Interieur & Design
BE 0458.545.427
Roeselare · Eq €160,086
Atelier 83 Architecten en Ingenieurs
BE 0826.031.709
Geel · Eq €160,065
STANDING RENOVATION
BE 0829.548.255
Schaarbeek · Eq €159,982
RADAR +
BE 0833.328.879
Oostende · Eq €160,405
STUDIO DEMPSEY
BE 1002.529.543
Wingene · Eq €159,820
Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,005 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
Founded11-06-1997
Fiscal year end30-06
Activities, NACEBEL 2025
71112Activities of interior architects
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.