HOMEL
ActiveHOMEL has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €168k and a net result of €-18k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 26% of 9098 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency5▼-1
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.01 against 0.03 in 2024), and 92.7% 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 · 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 →
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 fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€18k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
85 d early
2023
78 d early
2022
76 d early
2021
80 d early
2020
81 d early
2019
65 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€168k▼ 9.7%
2024 · €186k
2018: €183k
2019: €185k
2020: €199k
2021: €206k
2022: €207k
2023: €202k
2024: €186k
2018 → 2025
Total assets
€2.31M▲ 5.6%
2024 · €2.19M
2018: €2.27M
2019: €2.12M
2020: €2.46M
2021: €2.18M
2022: €2.14M
2023: €2.21M
2024: €2.19M
2018 → 2025
Net result
€-18k▼ 11.3%
2024 · €-16k
2018: €7k
2019: €3k
2020: €13k
2021: €7k
2022: €1k
2023: €-6k
2024: €-16k
2018 → 2025
Working capital
€-2.12M▼ 9.5%
2024 · €-1.94M
2019: €-1.90M
2020: €-1.81M
2021: €-1.91M
2022: €-1.88M
2023: €-1.99M
2024: €-1.94M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€206k-€207k▲ 0.7%€202k▼ 2.8%€186k▼ 8.0%€168k▼ 9.7%
Operating result€7k-€1k▼ 83.5%€-6k€-15k▼ 164%€-18k▼ 19.9%
Net result€7k-€1k▼ 80.6%€-6k€-16k▼ 182%€-18k▼ 11.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €15k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.31M
Fixed assets
€2.30M▲ 7.8%
Current assets
€11k▼ 79.7%
Equity and liabilities €2.31M
Equity
€168k▼ 9.7%
Debt
€2.14M▲ 7.0%
The debt ratio rises from 91.5% to 92.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€54k▼
2024 · €55k
Cash flow
€54k▲
2024 · €54k
Solvency
7.3%▼
2024 · 8.5%
Current ratio
0.01▼
2024 · 0.03
Quick ratio
0.01▼
2024 · 0.03
Debt / equity
12.78▲
2024 · 10.80
ROE
-10.7%▼
2024 · -8.7%
ROA
-0.8%▼
2024 · -0.7%
Interest coverage
205.24▲
2024 · 39.55
Debt
€2.14M▲
2024 · €2.00M
Debt ≤ 1 year
€2.14M▲
2024 · €2.00M
Debt > 1 year
€2k=
2024 · €2k
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€2.19M€2.31M▲
Fixed assets21/28€2.13M€2.30M▲
Tangible fixed assets22/27€2.13M€2.30M▲
Land and buildings22€1.90M€2.28M▲
Plant, machinery and equipment23€18k€22k▲
Assets under construction and advance payments27€210k-
Current assets29/58€56k€11k▼
Amounts receivable within one year40/41€40k-
Other amounts receivable41€40k-
Cash at bank and in hand54/58€9k€3k▼
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€2.19M€2.31M▲
Equity10/15€186k€168k▼
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Profit (loss) carried forward14€-64k€-82k▼
Amounts payable17/49€2.00M€2.14M▲
Amounts payable after more than one year17€2k€2k=
Financial debts170/4€2k€2k=
Amounts payable within one year42/48€2.00M€2.14M▲
Current portion of amounts payable after more than one year42€1.81M€1.76M▼
Trade debts44€4k-
Suppliers440/4€4k-
Taxes, remuneration and social security45-€20k
Taxes450/3-€20k
Other amounts payable47/48€184k€356k▲
Accrued charges and deferred income492/3€6k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€72k▲
Other operating charges640/8€13k€12k▼
Gross operating margin9900€68k€66k▼
Operating profit (loss)9901€-15k€-18k▼
Financial income75/76B€9€1▼
Recurring financial income75€9€1▼
Financial charges65/66B€1k€265▼
Recurring financial charges65€1k€265▼
Profit (loss) for the period before taxes9903€-16k€-18k▼
Profit (loss) for the period9904€-16k€-18k▼
Profit (loss) for the period to be appropriated9905€-16k€-18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-82k▼
Profit (loss) brought forward from the previous period14P€-48k€-64k▼
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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
16-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €206k ▲3.6%
4 profitable years in a row build equity to €206k.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €13k ▲427%
Operating result €13k, net result €13k, both a record.
27-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
15-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-05
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
3 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, Gent
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.
Molenaarsstraat 1119000 GentGround area
9,920 m²
Building footprint
2,785 m²
Volume, LiDAR
17,845 m³
Parcel 44021A0180/00C004, Flanders · tallest building 11.8 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44021A0180/00C004 | Flanders | 9,920 m² | 1 · 2,785 m² | 11.8 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.
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CSA IMMO
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ALGEMENE BOUWWERKEN LEGOS
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Of 7,288 companies in sector 68110 we hold annual accounts for 5,354. 3,833 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-04-2012
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.