Homup
ActiveSummary
Homup has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48,923 and a net result of €70,366. Equity is growing by ~61.1% per year across the filed fiscal years. Its solvency ranks better than 51% of 14462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Overview
What they do
Property management for co-owned buildings (syndics)
NACE 68321Real estate agency activities NACE 68310NACE 68311
1 site
How big
€160,975total assets 2025
- Staff
- 4 FTE
- Equity
- €48,923
- Profit
- €70,366
Who decides
- Largest shareholder
- BUTTERFLY GLOBAL · 20%
Accounts filed 27 d late0 of 4 deeds read
Why 79- Limited track record- Higher-failure-rate region+ Lower-failure-rate sector+ Annual accounts: healthy financial profileFiled after the deadlineShow the evidence
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+2
Solvency55▲+43
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,500 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 2.12 in 2024; short-term debt: 29.7% and cash: 27.4% of total assets), and 69.6% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30.4%
Return on assets
43.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 5 filingsDeviation from the deadline
2025
27 d late
2024
2 d early
2023
2 d early
2022
16 d late
2021
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 30 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2021net €70,366 ▲81.8%
- Annual accounts filedfiscal year 2024 · micro…
Financials
Fiscal year 2025Total assets €160,975Profit €70,366Solvency 30.4%Liquidity 1.33
Total assets
€160,975▼ 3.7%
2021 - 2025
Net result
€70,366▲ 81.8%
2021 - 2025
Equity
€48,923
2021 - 2025
Staff (FTE)
4▲ 33.3%
2021 - 2025
Financials · fiscal year 2025, micro schema
Trend over the years
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€58,215--€31,164▲ 46.5%€38,787€47,560▲ 22.6%€94,394▲ 98.5%
Net result-€62,436below the sector's middle half--€36,810below the sector's middle half▲ 41.0%€32,907above the sector's middle half€38,696above the sector's middle half▲ 17.6%€70,366above the sector's middle half▲ 81.8%
Equity-€56,236below the sector's middle half--€93,046below the sector's middle half▼ 65.5%-€60,139below the sector's middle half▲ 35.4%-€21,443below the sector's middle half▲ 64.3%€48,923within the sector's middle half
Total assets€154,735below the sector's middle half-€132,982below the sector's middle half▼ 14.1%€156,936within the sector's middle half▲ 18.0%€167,074within the sector's middle half▲ 6.5%€160,975within the sector's middle half▼ 3.7%
Debt€210,971-€226,028▲ 7.1%€217,075▼ 4.0%€188,517▼ 13.2%€112,052▼ 40.6%
Working capital-€586within the sector's middle half--€12,473within the sector's middle half▼ 2,030%€37,837within the sector's middle half€50,203within the sector's middle half▲ 32.7%€15,888within the sector's middle half▼ 68.4%
Solvency-36.3%below the sector's middle half--70.0%below the sector's middle half▼ 33.6pp-38.3%below the sector's middle half▲ 31.6pp-12.8%below the sector's middle half▲ 25.5pp30.4%within the sector's middle half▲ 43.2pp
Current ratio0.99within the sector's middle half-0.74within the sector's middle half▼ 0.251.98within the sector's middle half▲ 1.252.12within the sector's middle half▲ 0.141.33within the sector's middle half▼ 0.79
Return on assets (ROA)-40.4%below the sector's middle half--27.7%below the sector's middle half▲ 12.7pp21.0%above the sector's middle half▲ 48.6pp23.2%above the sector's middle half▲ 2.2pp43.7%above the sector's middle half▲ 20.6pp
Staff (FTE)1.7within the sector's middle half-3.1within the sector's middle half▲ 82.4%2.6▼ 16.1%3▲ 15.4%4▲ 33.3%
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result and balance sheet
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 98% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160,975
Fixed assets
€97,201 ▲ 34.8%
Current assets
€63,774 ▼ 32.9%
Equity and liabilities €160,975
Equity
€48,923
Debt
€112,052
Debt finances 69.6% of the balance-sheet total.
Key figures and ratios
Key figures and ratios
EBITDA
€113,009▲
2024 · €65,223
Cash flow
€88,980▲
2024 · €56,359
Debt to equity
2.29
ROE
143.8%
Interest coverage
27.16▲
2024 · 11.09
Debt ≤ 1 year
€47,885▲
2024 · €44,779
Debt > 1 year
€61,045▼
2024 · €139,842
Income taxes
€20,239▲
2024 · €2,977
Staff costs
€110,175▲
2024 · €88,103
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Filed annual accounts
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €7,484 | - |
| Remuneration, social security and pensions62 | €45,402 | €92,329 | €81,485 | €88,103 | €110,175 | ▲ 25.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,548 | €20,782 | €21,847 | €17,663 | €18,614 | ▲ 5.4% |
| Other operating charges640/8 | €106 | €222 | €463 | €891 | €2,956 | ▲ 232% |
| Gross operating margin9900 | €842 | €82,169 | €142,581 | €154,217 | €226,139 | ▲ 46.6% |
| Operating profit (loss)9901 | -€58,215 | -€31,164 | €38,787 | €47,560 | €94,394 | ▲ 98.5% |
| Financial income75/76B | €0 | €321 | €53 | €156 | €373 | ▲ 139% |
| Recurring financial income75 | €0 | €321 | €53 | €156 | €373 | ▲ 139% |
| Financial charges65/66B | €4,157 | €5,817 | €5,847 | €6,043 | €4,161 | ▼ 31.1% |
| Recurring financial charges65 | €4,157 | €5,817 | €5,847 | €5,884 | €4,161 | ▼ 29.3% |
| Non-recurring financial charges66B | - | - | - | €159 | - | - |
| Profit (loss) for the period before taxes9903 | -€62,372 | -€36,661 | €32,993 | €41,673 | €90,605 | ▲ 117% |
| Income taxes67/77 | €64 | €149 | €86 | €2,977 | €20,239 | ▲ 580% |
| Profit (loss) for the period9904 | -€62,436 | -€36,810 | €32,907 | €38,696 | €70,366 | ▲ 81.8% |
| Profit (loss) for the period to be appropriated9905 | -€62,436 | -€36,810 | €32,907 | €38,696 | €70,366 | ▲ 81.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €154,735 | €132,982 | €156,936 | €167,074 | €160,975 | ▼ 3.7% |
| Fixed assets21/28 | €113,280 | €97,689 | €80,682 | €72,092 | €97,201 | ▲ 34.8% |
| Intangible fixed assets21 | €89,277 | €82,971 | €74,256 | €64,075 | €54,313 | ▼ 15.2% |
| Tangible fixed assets22/27 | €24,003 | €14,718 | €6,426 | €6,232 | €41,103 | ▲ 560% |
| Furniture and vehicles24 | €24,003 | €14,718 | €6,426 | €3,608 | €38,759 | ▲ 974% |
| Other tangible fixed assets26 | - | - | - | €2,624 | €2,344 | ▼ 10.7% |
| Financial fixed assets28 | - | - | - | €1,785 | €1,785 | = |
| Current assets29/58 | €41,455 | €35,293 | €76,254 | €94,982 | €63,774 | ▼ 32.9% |
| Amounts receivable within one year40/41 | €12,693 | €16,952 | €28,195 | €19,180 | €15,328 | ▼ 20.1% |
| Trade receivables40 | €12,693 | €16,944 | €26,931 | €18,670 | €15,054 | ▼ 19.4% |
| Other amounts receivable41 | - | €8 | €1,264 | €510 | €275 | ▼ 46.1% |
| Cash at bank and in hand54/58 | €26,665 | €16,718 | €46,770 | €72,479 | €44,180 | ▼ 39.0% |
| Deferred charges and accrued income490/1 | €2,097 | €1,624 | €1,289 | €3,324 | €4,265 | ▲ 28.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €154,735 | €132,982 | €156,936 | €167,074 | €160,975 | ▼ 3.7% |
| Equity10/15 | -€56,236 | -€93,046 | -€60,139 | -€21,443 | €48,923 | ▲ 328% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€62,436 | -€99,246 | -€66,339 | -€27,643 | €42,723 | ▲ 255% |
| Amounts payable17/49 | €210,971 | €226,028 | €217,075 | €188,517 | €112,052 | ▼ 40.6% |
| Amounts payable after more than one year17 | €168,930 | €178,015 | €178,342 | €139,842 | €61,045 | ▼ 56.3% |
| Financial debts170/4 | €8,401 | €2,497 | - | - | €24,321 | - |
| Other amounts payable178/9 | €160,529 | €175,519 | €178,342 | €139,842 | €36,724 | ▼ 73.7% |
| Amounts payable within one year42/48 | €42,040 | €47,767 | €38,417 | €44,779 | €47,885 | ▲ 6.9% |
| Current portion of amounts payable after more than one year42 | €5,782 | €5,904 | €2,497 | - | €6,088 | - |
| Trade debts44 | €16,112 | €12,810 | €8,017 | €9,113 | €8,540 | ▼ 6.3% |
| Suppliers440/4 | €16,112 | €12,810 | €8,017 | €9,113 | €8,540 | ▼ 6.3% |
| Taxes, remuneration and social security45 | €16,411 | €23,882 | €22,506 | €34,392 | €33,003 | ▼ 4.0% |
| Taxes450/3 | €5,186 | €9,385 | €12,777 | €13,828 | €15,090 | ▲ 9.1% |
| Remuneration and social security454/9 | €11,225 | €14,498 | €9,729 | €20,564 | €17,913 | ▼ 12.9% |
| Other amounts payable47/48 | €3,735 | €5,170 | €5,397 | €1,275 | €254 | ▼ 80.1% |
| Accrued charges and deferred income492/3 | - | €246 | €316 | €3,895 | €3,121 | ▼ 19.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€62,436 | -€36,810 | €32,907 | €38,696 | €70,366 | ▲ 81.8% |
| + Depreciation and write-downs630 | €13,548 | €20,782 | €21,847 | €17,663 | €18,614 | ▲ 5.4% |
| Operating cash flow (approximation) | -€48,888 | -€16,028 | €54,754 | €56,359 | €88,980 | ▲ 57.9% |
| Investment in fixed assets (approximation) | - | -€5,191 | -€4,840 | -€9,072 | -€43,724 | ▼ 382% |
| Change in cash | - | -€9,948 | €30,053 | €25,709 | -€28,299 | ▼ 210% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Comparable companies
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OPTIMINVEST
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IMMO NC
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PT-CONCEPT
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JANNE DEKNOCK
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Of 3,759 companies in this sector we hold annual accounts for 1,393. 894 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Board & ownership
Directors
Directors
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Structure & network
Owners and holdings
1 ownerOwners 1
-
20%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No directors read yet: 0 of 4 Gazette acts processed.
Timeline
8 eventsLatest 27-08-2026Next filing 31-07-2027
History
Acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2021net €70,366 ▲81.8%
Operating result €94,394, net result €70,366, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €32,907
Net result €32,907 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.98
Current ratio from 0.74 to 1.98; short-term debt falls from €47,767 to €38,417.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 16 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Company details
Private limited company · founded 12-01-2021Year ends 31-12Peppol reachable1 site
Register details
Identification
Legal formPrivate limited company
Founded12-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
68310Real estate agency activities
68321Property management for co-owned buildings (syndics)
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68322Real estate appraisal on a fee or contract basis
E-invoicing
Reachable via Peppol
Peppol ID
0208:0761467618
Also
9925:BE0761467618
Registered
14-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Sites & property
Location & real-estate footprint
Registered office, Visé · 1 establishment unit since 2021
Ground area
318 m²
Building footprint
103 m²
Volume, LiDAR
885 m³
Parcel 62024A0219/00F004, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOMUP
since 2021unit no. 2.313.713.284
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62024A0219/00F004 | Wallonia | 318 m² | 1 · 103 m² | 10.5 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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