HOMECONCEPT
ActiveSummary
HOMECONCEPT has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €129k and a net result of €80k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+21
Solvency78▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.1 against 2.93 in 2023; short-term debt: 45.4% and cash: 78% of total assets), and 46.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
20 d early
2022
18 d early
2021
4 d early
2020
9 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€129k▲ 122%
2023 · €58k
2018: €51k
2019: €53k
2020: €56k
2021: €56k
2022: €66k
2023: €58k
2018 → 2024
Total assets
€242k▲ 93.8%
2023 · €125k
2018: €159k
2019: €146k
2020: €160k
2021: €140k
2022: €102k
2023: €125k
2018 → 2024
Net result
€80k▲ 697%
2023 · €10k
2018: €10k
2019: €12k
2020: €11k
2021: €1k
2022: €10k
2023: €10k
2018 → 2024
Working capital
€121k▲ 66.9%
2023 · €72k
2018: €24k
2019: €29k
2020: €22k
2021: €25k
2022: €62k
2023: €72k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€56k-€56k▼ 0.5%€66k▲ 17.3%€58k▼ 11.7%€129k▲ 122%
Operating result€18k-€5k▼ 70.1%€16k▲ 194%€16k▲ 2.2%€117k▲ 616%
Net result€11k-€1k▼ 88.3%€10k▲ 660%€10k▲ 3.6%€80k▲ 697%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 616% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €242k
Fixed assets
€12k ▼ 23.3%
Current assets
€231k ▲ 110%
Equity and liabilities €242k
Equity
€129k ▲ 122%
Debt
€113k ▲ 69.2%
Debt's share of the balance-sheet total falls from 53.4% to 46.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€123k▲
2023 · €22k
Cash flow
€86k▲
2023 · €16k
Current ratio
2.10▼
2023 · 2.93
Debt to equity
0.87▼
2023 · 1.15
ROE
62.2%▲
2023 · 17.3%
ROA
33.2%▲
2023 · 8.1%
Interest coverage
232.36▲
2023 · 51.64
Debt ≤ 1 year
€110k▲
2023 · €38k
Debt > 1 year
€3k▼
2023 · €7k
Income taxes
€37k▲
2023 · €6k
Staff costs
€36k▼
2023 · €37k
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 · 2024 against 2023 · 50 lines
Balance sheet
Code20232024
Assets
Total assets20/58€125k€242k▲
Fixed assets21/28€15k€12k▼
Tangible fixed assets22/27€15k€11k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€12k€9k▼
Financial fixed assets28€363€363=
Current assets29/58€110k€231k▲
Amounts receivable within one year40/41€15k€37k▲
Trade receivables40€14k€37k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€91k€189k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€125k€242k▲
Equity10/15€58k€129k▲
Contributions10/11€19k€19k=
Reserves13€40k€111k▲
Tax-exempt reserves132€6k€6k=
Distributable reserves133€33k€105k▲
Amounts payable17/49€67k€113k▲
Amounts payable after more than one year17€7k€3k▼
Financial debts170/4€7k€3k▼
Amounts payable within one year42/48€38k€110k▲
Current portion of amounts payable after more than one year42€6k€7k▲
Trade debts44€8k€53k▲
Suppliers440/4€8k€53k▲
Taxes, remuneration and social security45€8k€41k▲
Taxes450/3€3k€36k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€15k€9k▼
Accrued charges and deferred income492/3€22k-
Income statement
Code20232024
Remuneration, social security and pensions62€37k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€62k€161k▲
Operating profit (loss)9901€16k€117k▲
Financial income75/76B€56€1k▲
Recurring financial income75€56€1k▲
Financial charges65/66B€424€528▲
Recurring financial charges65€424€528▲
Profit (loss) for the period before taxes9903€16k€118k▲
Income taxes67/77€6k€37k▲
Profit (loss) for the period9904€10k€80k▲
Profit (loss) for the period to be appropriated9905€10k€80k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€80k▲
Profit (loss) brought forward from the previous period14P€10k-
Transfer from equity791/2€8k€9k▲
Transfer to equity691/2€10k€80k▲
To other reserves6921€10k€80k▲
Profit to be distributed694/7€18k€9k▼
Return on contributions (dividend)694€18k€9k▼
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €80k ▲697%
Operating result €117k, net result €80k, both a record.
31-12
Financial
Equity above €100kEq €129k ▲122%
7 profitable years in a row build equity to €129k.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 3.53
Current ratio from 1.44 to 3.53; short-term debt falls from €56k to €24k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €1k ▼88.3%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-06
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
6 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, Sint-Genesius-Rode · 1 establishment unit since 2011
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.
Gehuchtstraat 421640 Sint-Genesius-RodeGround area
203 m²
Building footprint
87 m²
Volume, LiDAR
488 m³
Parcel 22004C0500/00K000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HomeConcept
since 20112.199.706.909
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0500/00K000 | Flanders | 203 m² | 1 · 87 m² | 10.7 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
CODE CONSTRUCT
BE 0646.936.352
Frameries · Eq €129,451
HABICO
BE 0810.889.415
Maasmechelen · Eq €129,469
Ro&Mat Construct
BE 0762.710.109
Brussel · Eq €129,500
AANNEMINGSWERKEN VRANCKX
BE 0683.980.454
Haacht · Eq €129,501
B.V.B.A. ROBIN ROELANT
BE 0427.478.604
Harelbeke · Eq €129,526
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,867 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
Founded09-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43910Bricklaying and masonry work
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:homeconceptsprl@gmail.com
Phone:0475529866