HOME-VISION
ActiveSummary
The annual accounts of HOME-VISION for fiscal year 2025 show a net loss of 346% of total assets and of 93% of the equity at the start of that year. The 2025 annual accounts show equity of €3k and a net result of €-41k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 14079 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-13
Solvency50▼-16
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very 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.
Liquidity tight (current ratio 1.21 against 1.69 in 2024; short-term debt: 70.6% and cash: 23.1% of total assets), and 75.2% 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.
−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 68
Relative position
BE, all sectors
reference
Sector 68
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
24.8%
Return on assets
-346.1%
Age of the figures
12 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-41k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-02-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
82 d early
2023
28 d early
2022
111 d early
2021
109 d early
2020
135 d early
2019
35 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
€0
Total assets
€12k▼ 88.8%
2024 · €106k
2018: €74k
2019: €118k
2020: €86k
2021: €103k
2022: €84k
2023: €58k
2024: €106k
2018 → 2025
Net result
€-41k▼ 788%
2024 · €-5k
2018: €3k
2019: €815
2020: €5k
2021: €4k
2022: €-457
2023: €-9k
2024: €-5k
2018 → 2025
Working capital
€2k▼ 95.9%
2024 · €42k
2018: €46k
2019: €47k
2020: €52k
2021: €56k
2022: €56k
2023: €47k
2024: €42k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€57k▼ 0.8%€49k▼ 15.0%€44k▼ 9.5%€3k▼ 93.3%
Operating result€5k-€886▼ 83.4%€-7k€-4k▲ 37.3%€-38k▼ 790%
Net result€4k-€-457€-9k▼ 1,771%€-5k▲ 45.9%€-41k▼ 788%
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 €38k in 2025 against €4k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12k
Fixed assets
€2k ▼ 8.0%
Current assets
€10k ▼ 90.3%
Equity and liabilities €12k
Equity
€3k ▼ 93.3%
Debt
€9k ▼ 85.6%
Debt's share of the balance-sheet total rises from 58.5% to 75.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-38k▼
2024 · €-4k
Cash flow
€-41k▼
2024 · €-4k
Current ratio
1.21▼
2024 · 1.69
Debt to equity
3.03▲
2024 · 1.41
ROA
-346.1%▼
2024 · -4.4%
Interest coverage
-14.48▲
2024 · -18.67
Debt ≤ 1 year
€8k▼
2024 · €62k
Income taxes
€150▲
2024 · €145
A ratio outside any meaningful range has been withheld (balance sheet total €12k, equity €3k).
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€12k▼
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€311€161▼
Furniture and vehicles24€311€161▼
Financial fixed assets28€2k€2k=
Current assets29/58€104k€10k▼
Amounts receivable within one year40/41€59k€6k▼
Trade receivables40€59k€3k▼
Other amounts receivable41€361€4k▲
Cash at bank and in hand54/58€44k€3k▼
Deferred charges and accrued income490/1€819€931▲
Equity and liabilities
Total equity and liabilities10/49€106k€12k▼
Equity10/15€44k€3k▼
Contributions10/11€19k€19k=
Reserves13€25k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€0▼
Profit (loss) carried forward14-€-18k
Amounts payable17/49€62k€9k▼
Amounts payable within one year42/48€62k€8k▼
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Advances received on contracts in progress46€43k€0▼
Taxes, remuneration and social security45€8k€0▼
Taxes450/3€8k€0▼
Accrued charges and deferred income492/3€387€547▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€139€150▲
Other operating charges640/8€522€801▲
Gross operating margin9900€-4k€-37k▼
Operating profit (loss)9901€-4k€-38k▼
Financial income75/76B€53€80▲
Recurring financial income75€53€80▲
Financial charges65/66B€223€3k▲
Recurring financial charges65€223€3k▲
Profit (loss) for the period before taxes9903€-4k€-41k▼
Income taxes67/77€145€150▲
Profit (loss) for the period9904€-5k€-41k▼
Profit (loss) for the period to be appropriated9905€-5k€-41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€-41k▼
Transfer from equity791/2€5k€24k▲
The notes to these accounts (9 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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series.
07-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Highest result since 2018net €5k ▲563%
Operating result €8k, net result €5k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 35 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Kortrijk · 1 establishment unit since 2009
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.
Voorstraat(Kor) 88500 KortrijkGround area
51 m²
Building footprint
51 m²
Volume, LiDAR
471 m³
Parcel 34353H1106/00A000, Flanders · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Home-Vision
since 20092.176.353.465
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353H1106/00A000 | Flanders | 51 m² | 1 · 51 m² | 12.6 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
PATRIMONIUM-MAKELAARS
BE 0456.770.327
Lier · Eq €2,939
COM CONSULTING
BE 1017.841.784
Tremelo · Eq €2,947
Immcon
BE 0804.462.966
Aartselaar · Eq €2,964
AGO INVEST
BE 1027.283.646
Seraing · Eq €2,917
WIN ESTATE
BE 0890.303.216
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Of 11,747 companies in sector 68310 we hold annual accounts for 6,905. 1,492 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 (pre-2019)
Founded06-01-2009
Fiscal year end30-09
Activities, NACEBEL 2025
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.