HOMIKRA
ActiveHOMIKRA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €49k and a net result of €-38k. Equity is shrinking by ~21.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 2377 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2377 sector peers (2025).
NBB · sector comparisonPosition among 2377 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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 · 10 filingsDeviation from the deadline
2025
12 d late
2024
29 d late
2023
55 d early
2022
21 d late
2021
30 d late
2020
30 d late
2019
59 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€49k▼ 43.4%
2024 · €87k
2018: €184k
2019: €191k
2020: €63k
2021: €54k
2022: €-606k
2023: €85k
2024: €87k
2018 → 2025
Net result
€-38k
2024 · €2k
2018: €3k
2019: €7k
2020: €-127k
2021: €-9k
2022: €-661k
2023: €440k
2024: €2k
2018 → 2025
Total assets
€588k▼ 18.9%
2024 · €724k
2018: €882k
2019: €828k
2020: €935k
2021: €943k
2022: €258k
2023: €742k
2024: €724k
2018 → 2025
Solvency
8.4%▼ 3.6pp
2024 · 12.0%
2018: 20.8%
2019: 23.0%
2020: 6.8%
2021: 5.8%
2022: -235.4%
2023: 11.4%
2024: 12.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€54k-€-606k€85k€87k▲ 2.6%€49k▼ 43.4%
Operating result€55k-€-648k€-85k▲ 86.9%€8k€-33k
Net result€-9k-€-661k▼ 7,150%€440k€2k▼ 99.5%€-38k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €33k after €8k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588k
Fixed assets
€435k▼ 3.0%
Current assets
€152k▼ 44.8%
Equity and liabilities €588k
Equity
€49k▼ 43.4%
Debt
€538k▼ 15.6%
The debt ratio rises from 88.0% to 91.6%. Equity and debt are lower.
Key figures and ratios
Solvency
8.4%▼
2024 · 12.0%
ROE
-76.6%▼
2024 · 2.6%
ROA
-6.4%▼
2024 · 0.3%
Debt
€538k▼
2024 · €638k
Debt ≤ 1 year
€47k▼
2024 · €126k
Debt > 1 year
€490k▼
2024 · €512k
Income taxes
€3k▼
2024 · €3k
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€724k€588k▼
Fixed assets21/28€449k€435k▼
Tangible fixed assets22/27€334k€317k▼
Land and buildings22€267k€258k▼
Plant, machinery and equipment23-€956
Furniture and vehicles24€53k€38k▼
Other tangible fixed assets26€14k€20k▲
Financial fixed assets28€115k€118k▲
Current assets29/58€276k€152k▼
Stocks and contracts in progress3€76k€80k▲
Stocks30/36€76k€80k▲
Amounts receivable within one year40/41€140k€38k▼
Trade receivables40€93k€5k▼
Other amounts receivable41€47k€33k▼
Cash at bank and in hand54/58€54k€25k▼
Deferred charges and accrued income490/1€7k€9k▲
Equity and liabilities
Total equity and liabilities10/49€724k€588k▼
Equity10/15€87k€49k▼
Contributions10/11€250k€250k=
Capital10€250k€250k=
Issued capital100€250k€250k=
Revaluation surpluses12€242k€233k▼
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Profit (loss) carried forward14€-412k€-441k▼
Amounts payable17/49€638k€538k▼
Amounts payable after more than one year17€512k€490k▼
Financial debts170/4€33k€24k▼
Other amounts payable178/9€479k€466k▼
Amounts payable within one year42/48€126k€47k▼
Current portion of amounts payable after more than one year42€8k€9k▲
Financial debts43-€264
Credit institutions430/8-€264
Trade debts44€103k€24k▼
Suppliers440/4€103k€24k▼
Advances received on contracts in progress46€8k€6k▼
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€7k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0€925▲
Income statement
Code20242025
Non-recurring operating income76A€80k€0▼
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€27k▲
Other operating charges640/8€8k€6k▼
Gross operating margin9900€33k€-227▼
Operating profit (loss)9901€8k€-33k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Non-recurring financial income76B€0-
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€5k€-35k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€2k€-38k▼
Profit (loss) for the period to be appropriated9905€2k€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-421k€-450k▼
Profit (loss) brought forward from the previous period14P€-423k€-412k▲
Transfer from equity791/2€9k€9k=
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 12 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €440k
Net result €440k after 3 loss-making years.
31-12
Financial
Liquidity times 65current ratio 5.14
Current ratio from 0.08 to 5.14; short-term debt falls from €864k to €66k.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
31-12
Financial
Weakest financial yearnet €-661k
Net result drops to €-661k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 59 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ferrières · 1 establishment unit since 1999
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.
Allée des Sorbiers 94190 FerrièresGround area
3,902 m²
Building footprint
847 m²
Volume, LiDAR
4,429 m³
2 parcels, Wallonia · tallest building 17.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Hadrènes 39, 4140 Sprimont
since 19992.092.875.265
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61076B0367/00M012 | Wallonia | 2,601 m² | 1 · 734 m² | 6.4 m · 2 fl. |
| 62045A0225/00R002 | Wallonia | 1,301 m² | 1 · 114 m² | 17.2 m · 2 fl. |
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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TF CONSULTANCY
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 10,396 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-07-1999
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
47551Retail sale of household furniture
47591Retail trade
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.