HOME PLUS
ActiveThe computed 12-month bankruptcy probability of HOME PLUS is 2.2% (moderate). The 2024 annual accounts show equity of €244k and a net result of €51k. Equity is growing by ~64.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 9982 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability81▼-11
Solvency72▲+13
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.34 in 2023; short-term debt: 52.1% and cash: 16.8% of total assets), and 53% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-10-2025, 83 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
83 d late
2023
77 d late
2022
145 d late
2021
12 d late
2020
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€244k▲ 26.2%
2023 · €193k
2020: €20k
2021: €38k
2022: €88k
2023: €193k
2020 → 2024
Total assets
€518k▼ 9.6%
2023 · €573k
2020: €36k
2021: €105k
2022: €219k
2023: €573k
2020 → 2024
Net result
€51k▼ 51.9%
2023 · €105k
2020: €15k
2021: €19k
2022: €50k
2023: €105k
2020 → 2024
Working capital
€103k▼ 18.1%
2023 · €126k
2020: €12k
2021: €4k
2022: €42k
2023: €126k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€20k-€38k▲ 94.9%€88k▲ 131%€193k▲ 120%€244k▲ 26.2%
Operating result€19k-€24k▲ 27.4%€63k▲ 161%€139k▲ 122%€72k▼ 48.5%
Net result€15k-€19k▲ 23.3%€50k▲ 169%€105k▲ 111%€51k▼ 51.9%
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 2024; 2024 is 48% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €518k
Fixed assets
€145k▲ 81.5%
Current assets
€373k▼ 24.4%
Equity and liabilities €518k
Equity
€244k▲ 26.2%
Debt
€274k▼ 27.8%
The debt ratio falls from 66.3% to 53.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€102k▼
2023 · €156k
Cash flow
€81k▼
2023 · €122k
Solvency
47.0%▲
2023 · 33.7%
Current ratio
1.38▲
2023 · 1.34
Quick ratio
1.27▼
2023 · 1.28
Debt / equity
1.13▼
2023 · 1.97
ROE
20.7%▼
2023 · 54.4%
ROA
9.8%▼
2023 · 18.3%
Interest coverage
69.49▼
2023 · 218.53
Debt
€274k▼
2023 · €380k
Debt ≤ 1 year
€270k▼
2023 · €367k
Debt > 1 year
€5k▼
2023 · €13k
Income taxes
€21k▼
2023 · €35k
Staff costs
€281k▲
2023 · €269k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€573k€518k▼
Fixed assets21/28€80k€145k▲
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€75k€141k▲
Land and buildings22€1k€915▼
Plant, machinery and equipment23€17k€61k▲
Furniture and vehicles24€34k€61k▲
Other tangible fixed assets26€22k€18k▼
Current assets29/58€493k€373k▼
Stocks and contracts in progress3€24k€30k▲
Stocks30/36€24k€30k▲
Amounts receivable within one year40/41€294k€248k▼
Trade receivables40€284k€227k▼
Other amounts receivable41€10k€21k▲
Cash at bank and in hand54/58€169k€87k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€573k€518k▼
Equity10/15€193k€244k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€189k€239k▲
Amounts payable17/49€380k€274k▼
Amounts payable after more than one year17€13k€5k▼
Financial debts170/4€13k€5k▼
Amounts payable within one year42/48€367k€270k▼
Current portion of amounts payable after more than one year42€8k€13k▲
Trade debts44€309k€232k▼
Suppliers440/4€309k€232k▼
Taxes, remuneration and social security45€42k€19k▼
Taxes450/3€30k€11k▼
Remuneration and social security454/9€12k€8k▼
Other amounts payable47/48€8k€7k▼
Income statement
Code20232024
Remuneration, social security and pensions62€269k€281k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€31k▲
Other operating charges640/8€10k€14k▲
Gross operating margin9900€435k€398k▼
Operating profit (loss)9901€139k€72k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€712€1k▲
Recurring financial charges65€712€1k▲
Profit (loss) for the period before taxes9903€140k€72k▼
Income taxes67/77€35k€21k▼
Profit (loss) for the period9904€105k€51k▼
Profit (loss) for the period to be appropriated9905€105k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€189k€239k▲
Profit (loss) brought forward from the previous period14P€83k€189k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 83 days late
2024
31-12
Financial
Equity above €200kEq €244k ▲26.2%
5 profitable years in a row build equity to €244k.
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 77 days late
2023
31-12
Financial
Highest result since 2020net €105k ▲111%
Operating result €139k, net result €105k, both a record.
31-12
Financial
Equity above €150kEq €193k ▲120%
4 profitable years in a row build equity to €193k.
23-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 145 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Sambreville · 1 establishment unit since 2020
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 Bois Sainte Marie(AUV) 174A5060 SambrevilleGround area
4,329 m²
Building footprint
252 m²
Volume, LiDAR
1,750 m³
Parcel 92007A0520/00E004, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERANDAS PLUS
since 20202.309.641.660
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92007A0520/00E004 | Wallonia | 4,329 m² | 1 · 252 m² | 7.8 m · 2 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
GM GENERAL INTERNATIONAL
BE 0767.931.281
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BOUWWERKEN DEVOLDER YVAN
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DEPE BUILD
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ENTREPRISES GENERALES NOËL COUVEZ
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Soignies · Eq €244k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,038. 11,578 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
46471Wholesale trade
47551Retail sale of household furniture
47591Retail trade
68310Real estate agency activities
68311Real estate activities
71112Activities of interior architects
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.