HOMEWEB.BE
ActiveHOMEWEB.BE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €222k and a net result of €-37k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-18
Solvency85▲+23
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 1.83 against 1.48 in 2024), but 55.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 6 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
29 d late
2022
29 d late
2021
27 d late
2020
31 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-37k
2024 · €9k
2020: €61k
2021: €29k
2022: €14k
2023: €42k
2024: €9k
2020 → 2025
Working capital
€219k▼ 13.9%
2024 · €255k
2020: €186k
2021: €214k
2022: €228k
2023: €240k
2024: €255k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€215k-€229k▲ 6.3%€250k▲ 9.5%€259k▲ 3.6%€222k▼ 14.2%
Operating result€36k-€24k▼ 34.8%€68k▲ 186%€41k▼ 39.1%€-24k
Net result€29k-€14k▼ 53.0%€42k▲ 206%€9k▼ 78.1%€-37k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €24k after €41k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €499k
Fixed assets
€14k▲ 11.4%
Current assets
€485k▼ 38.2%
Equity and liabilities €499k
Equity
€222k▼ 14.2%
Debt
€277k▼ 48.6%
The debt ratio falls from 67.5% to 55.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-20k▼
2024 · €45k
Cash flow
€-32k▼
2024 · €13k
Solvency
44.6%▲
2024 · 32.5%
Current ratio
1.83▲
2024 · 1.48
Quick ratio
0.35▼
2024 · 0.67
Debt / equity
1.24▼
2024 · 2.08
ROE
-16.6%▼
2024 · 3.5%
ROA
-7.4%▼
2024 · 1.1%
Interest coverage
-1.59▼
2024 · 1.59
Debt
€277k▼
2024 · €538k
Debt ≤ 1 year
€265k▼
2024 · €530k
Income taxes
€-292▼
2024 · €5k
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€797k€499k▼
Fixed assets21/28€13k€14k▲
Tangible fixed assets22/27€13k€14k▲
Furniture and vehicles24€13k€14k▲
Current assets29/58€784k€485k▼
Stocks and contracts in progress3€430k€392k▼
Stocks30/36€430k€392k▼
Amounts receivable within one year40/41€29k€62k▲
Trade receivables40€22k€26k▲
Other amounts receivable41€7k€36k▲
Cash at bank and in hand54/58€325k€31k▼
Equity and liabilities
Total equity and liabilities10/49€797k€499k▼
Equity10/15€259k€222k▼
Contributions10/11€125k€125k=
Capital10€125k€125k=
Issued capital100€125k€125k=
Reserves13€134k€97k▼
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Distributable reserves133€122k€85k▼
Amounts payable17/49€538k€277k▼
Amounts payable within one year42/48€530k€265k▼
Financial debts43€325k€91k▼
Other loans439€325k€91k▼
Trade debts44€112k€95k▼
Suppliers440/4€112k€95k▼
Taxes, remuneration and social security45€15k-
Taxes450/3€15k-
Other amounts payable47/48€78k€79k▲
Accrued charges and deferred income492/3€8k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€828€601▼
Gross operating margin9900€45k€-19k▼
Operating profit (loss)9901€41k€-24k▼
Financial income75/76B€906-
Recurring financial income75€906-
Financial charges65/66B€28k€13k▼
Recurring financial charges65€28k€13k▼
Profit (loss) for the period before taxes9903€14k€-37k▼
Income taxes67/77€5k€-292▼
Profit (loss) for the period9904€9k€-37k▼
Profit (loss) for the period to be appropriated9905€9k€-37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-37k▼
Transfer from equity791/2-€37k
Transfer to equity691/2€9k-
To other reserves6921€9k-
The notes to these accounts (4 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-37k ▼504%
Net result drops to €-37k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 27 days late
2021
31-12
Financial
Equity above €200kEq €215k ▲15.6%
2 profitable years in a row build equity to €215k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 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, Zottegem · 1 establishment unit since 2019
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.
Berthoflos 139620 ZottegemGround area
4,260 m²
Building footprint
573 m²
Volume, LiDAR
1,960 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vlieghavenlaan 12, 3140 Keerbergen
since 20192.284.208.062
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0125/00K006 | Flanders | 2,686 m² | 1 · 334 m² | 10.4 m · 2 fl. |
| 41017D0462/00C000 | Flanders | 1,574 m² | 1 · 239 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,257 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-01-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.