HOME-STYLING
ActiveHOME-STYLING has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.23M and a net result of €493k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 2149 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+10
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.23 in 2024), and 60.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
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
39.8%
Return on assets
16%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
22 d late
2023
29 d late
2022
28 d late
2021
24 d late
2020
4 d late
2019
23 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.23M▲ 8.2%
2024 · €1.14M
2019: €562k
2020: €675k
2021: €892k
2022: €1.00M
2023: €1.06M
2024: €1.14M
2019 → 2025
Total assets
€3.09M▼ 4.1%
2024 · €3.22M
2019: €2.00M
2020: €3.27M
2021: €3.23M
2022: €3.36M
2023: €3.48M
2024: €3.22M
2019 → 2025
Net result
€493k▼ 21.7%
2024 · €629k
2019: €561k
2020: €387k
2021: €517k
2022: €325k
2023: €490k
2024: €629k
2019 → 2025
Working capital
€497k▲ 32.2%
2024 · €376k
2019: €391k
2020: €341k
2021: €396k
2022: €372k
2023: €245k
2024: €376k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€892k-€1.00M▲ 12.3%€1.06M▲ 5.7%€1.14M▲ 7.5%€1.23M▲ 8.2%
Operating result€650k-€430k▼ 33.8%€596k▲ 38.6%€721k▲ 20.9%€577k▼ 20.0%
Net result€517k-€325k▼ 37.2%€490k▲ 50.8%€629k▲ 28.5%€493k▼ 21.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.09M
Fixed assets
€1.22M▲ 3.0%
Current assets
€1.87M▼ 8.2%
Equity and liabilities €3.09M
Equity
€1.23M▲ 8.2%
Debt
€1.86M▼ 10.8%
The debt ratio falls from 64.7% to 60.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€889k▼
2024 · €1.03M
Cash flow
€805k▼
2024 · €937k
Solvency
39.8%▲
2024 · 35.3%
Current ratio
1.36▲
2024 · 1.23
Quick ratio
0.95▼
2024 · 1.06
Debt / equity
1.51▼
2024 · 1.83
ROE
40.0%▼
2024 · 55.3%
ROA
16.0%▼
2024 · 19.5%
Interest coverage
19.71▲
2024 · 17.86
Debt
€1.86M▼
2024 · €2.08M
Debt ≤ 1 year
€1.37M▼
2024 · €1.66M
Debt > 1 year
€489k▲
2024 · €426k
Income taxes
€42k▼
2024 · €43k
Staff costs
€1.21M▲
2024 · €1.02M
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€3.22M€3.09M▼
Fixed assets21/28€1.19M€1.22M▲
Tangible fixed assets22/27€1.19M€1.22M▲
Plant, machinery and equipment23€328k€297k▼
Furniture and vehicles24€133k€101k▼
Leasing and similar rights25€727k€826k▲
Financial fixed assets28€259€259=
Current assets29/58€2.03M€1.87M▼
Stocks and contracts in progress3€274k€571k▲
Stocks30/36€274k€280k▲
Contracts in progress37-€291k
Amounts receivable within one year40/41€1.15M€792k▼
Trade receivables40€939k€745k▼
Other amounts receivable41€207k€47k▼
Cash at bank and in hand54/58€586k€473k▼
Deferred charges and accrued income490/1€29k€32k▲
Equity and liabilities
Total equity and liabilities10/49€3.22M€3.09M▼
Equity10/15€1.14M€1.23M▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€1.05M€1.16M▲
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€1.04M€1.15M▲
Profit (loss) carried forward14€14k-
Amounts payable17/49€2.08M€1.86M▼
Amounts payable after more than one year17€426k€489k▲
Financial debts170/4€426k€489k▲
Amounts payable within one year42/48€1.66M€1.37M▼
Current portion of amounts payable after more than one year42€437k€332k▼
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44€575k€673k▲
Suppliers440/4€575k€673k▲
Taxes, remuneration and social security45€16k€63k▲
Taxes450/3€13k€2k▼
Remuneration and social security454/9€3k€62k▲
Other amounts payable47/48€581k€253k▼
Income statement
Code20242025
Non-recurring operating income76A-€26k
Remuneration, social security and pensions62€1.02M€1.21M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€307k€312k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€2.05M€2.10M▲
Operating profit (loss)9901€721k€577k▼
Financial income75/76B€10k€3k▼
Recurring financial income75€10k€3k▼
Financial charges65/66B€58k€45k▼
Recurring financial charges65€58k€45k▼
Profit (loss) for the period before taxes9903€673k€535k▼
Income taxes67/77€43k€42k▼
Profit (loss) for the period9904€629k€493k▼
Profit (loss) for the period to be appropriated9905€629k€493k▼
Appropriation of the result
Profit (loss) to be appropriated9906€644k€508k▼
Profit (loss) brought forward from the previous period14P€14k€14k▲
Transfer to equity691/2€79k€108k▲
To other reserves6921€79k€108k▲
Profit to be distributed694/7€550k€400k▼
Directors or managers695€550k€400k▼
Social balance
Average headcount (FTE)908717.718.1▲
The notes to these accounts (13 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
31-03
Financial
Highest result since 2019net €629k ▲28.5%
Operating result €721k, net result €629k, both a record.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
31-03
Financial
Weakest financial yearnet €325k ▼37.2%
Net result drops to €325k, the lowest in the series; recovery starts the following year.
31-03
Financial
Equity above €1MEq €1.00M ▲12.3%
4 profitable years in a row build equity to €1.00M.
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 4 days late
2019
23-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 23 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kruisem · 1 establishment unit since 1987
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.
Industriezone(KRU) 269770 KruisemGround area
1.2 ha
Building footprint
5,812 m²
Volume, LiDAR
30,604 m³
Parcel 45017C0814/00A002, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Industriezone(KRU) 26, 9770 Kruisem
since 19872.032.707.155
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017C0814/00A002 | Flanders | 1.2 ha | 1 · 5,812 m² | 6.5 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.
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 17,651 EUR awarded · 17,651 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 17,651 EUR | 17,651 EUR |
Schemes
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 5,608 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-04-1987
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
43320Joinery installation
45211
45421
31002Manufacture of furniture
36130
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.