Homewise
ActiveHomewise has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €565k and a net result of €-3k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 7694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▲+17
Solvency72▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity short (current ratio 0.71 against 0.69 in 2024; short-term debt: 32.6% and cash: 5.4% of total assets), and 53.1% 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○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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
9 d early
2021
8 d early
2020
39 d early
2019
30 d early
← before the deadline
after the deadline →
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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€68k
EBIT margin
534.7%
Net result
€-3k▲ 87.1%
2024 · €-23k
2018: €-26k
2019: €7k
2020: €2k
2021: €-297
2022: €-6k
2023: €274k
2024: €-23k
2018 → 2025
Working capital
€-115k▲ 11.5%
2024 · €-130k
2018: €-18k
2019: €19k
2020: €11k
2021: €-37k
2022: €-109k
2023: €10k
2024: €-130k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€68k
Equity€323k-€318k▼ 1.8%€591k▲ 86.1%€568k▼ 3.9%€565k▼ 0.5%
Operating result€8k-€1k▼ 84.9%€366k▲ 30,561%€-25k€-4k▲ 83.7%
Net result€-297-€-6k▼ 1,904%€274k€-23k€-3k▲ 87.1%
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 €4k in 2025 against €25k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€926k▼ 4.9%
Current assets
€278k▼ 4.5%
Equity and liabilities €1.20M
Equity
€565k▼ 0.5%
Provisions
€84k▼ 3.5%
Debt
€555k▼ 8.9%
The debt ratio falls from 48.2% to 46.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €29k
Cash flow
€46k▲
2024 · €31k
Solvency
46.9%▲
2024 · 44.9%
Current ratio
0.71▲
2024 · 0.69
Quick ratio
0.71▲
2024 · 0.69
Debt / equity
0.98▼
2024 · 1.07
ROE
-0.5%▲
2024 · -4.0%
ROA
-0.2%▲
2024 · -1.8%
Interest coverage
4.40▲
2024 · 2.54
Debt
€555k▼
2024 · €609k
Debt ≤ 1 year
€393k▼
2024 · €421k
Debt > 1 year
€161k▼
2024 · €188k
Income taxes
€857▲
2024 · €178
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€1.26M€1.20M▼
Fixed assets21/28€973k€926k▼
Tangible fixed assets22/27€973k€926k▼
Land and buildings22€962k€917k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€7k€6k▼
Financial fixed assets28€61€61=
Current assets29/58€291k€278k▼
Amounts receivable within one year40/41€16k€13k▼
Trade receivables40€12k€10k▼
Other amounts receivable41€4k€3k▼
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€75k€65k▼
Deferred charges and accrued income490/1€631€679▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.20M▼
Equity10/15€568k€565k▼
Contributions10/11€256k€256k=
Capital10€256k€256k=
Issued capital100€256k€256k=
Outside capital11€5€5=
Share premium1100/10€5€5=
Reserves13€362k€359k▼
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€266k€257k▼
Distributable reserves133€86k€92k▲
Profit (loss) carried forward14€-50k€-50k▲
Provisions and deferred taxes16€87k€84k▼
Deferred taxes168€87k€84k▼
Amounts payable17/49€609k€555k▼
Amounts payable after more than one year17€188k€161k▼
Financial debts170/4€188k€161k▼
Amounts payable within one year42/48€421k€393k▼
Current portion of amounts payable after more than one year42€44k€27k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€373k€363k▼
Accrued charges and deferred income492/3€191€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€49k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€34k€50k▲
Operating profit (loss)9901€-25k€-4k▲
Financial income75/76B€11k€9k▼
Recurring financial income75€11k€9k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€-26k€-5k▲
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€178€857▲
Profit (loss) for the period9904€-23k€-3k▲
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€-14k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-50k€-44k▲
Profit (loss) brought forward from the previous period14P€-37k€-50k▼
Transfer to equity691/2-€6k
To other reserves6921-€6k
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €274k
Net result €274k after 2 loss-making years.
30-09
Financial
Liquidity times 9current ratio 1.03
Current ratio from 0.12 to 1.03.
30-09
Financial
Equity above €500kEq €591k ▲86.1%
Equity rises from €318k to €591k.
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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
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, Langemark-Poelkapelle · 1 establishment unit since 1984
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.
Pottestraat 38920 Langemark-PoelkapelleGround area
1,446 m²
Building footprint
278 m²
Volume, LiDAR
1,372 m³
Parcel 33014B0367/00R000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOMEWISE
since 19842.025.650.406
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33014B0367/00R000 | Flanders | 1,446 m² | 1 · 278 m² | 8.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500WB41D314E6ZD70
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VEKMO
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PATRI-CON
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INVEST M
BE 0806.550.347
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EUROLASNE 2
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ERIK SMITS
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Maaseik · Eq €562k
Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 5,652 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-10-1984
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 41 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.