HOUSE
ActiveThe file of HOUSE contains 1 historical bankruptcy publication, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 1.2% (low). The 2025 annual accounts show equity of €19k and a net result of €-10k. Equity is shrinking by ~18.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency70▼-18
Growth58=
Track record85
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.07 against 0.02 in 2024; short-term debt: 55.5% and cash: 3.9% of total assets), and 55.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.5%
Return on assets
-24.2%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-10k
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
1 d early
2023
2 d early
2022
58 d early
2021
80 d early
2020
60 d early
2019
60 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 35.2%
2024 · €29k
2019: €74k
2020: €66k
2021: €57k
2022: €49k
2023: €40k
2024: €29k
2019 → 2025
Total assets
€42k▼ 8.2%
2024 · €45k
2019: €119k
2020: €79k
2021: €70k
2022: €62k
2023: €52k
2024: €45k
2019 → 2025
Net result
€-10k▲ 9.8%
2024 · €-11k
2019: €-30k
2020: €-7k
2021: €-9k
2022: €-8k
2023: €-10k
2024: €-11k
2019 → 2025
Working capital
€-21k▼ 31.2%
2024 · €-16k
2019: €4k
2020: €2k
2021: €-2k
2022: €-5k
2023: €-10k
2024: €-16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€49k▼ 14.0%€40k▼ 19.5%€29k▼ 28.1%€19k▼ 35.2%
Operating result€-9k-€-8k▲ 10.2%€-10k▼ 20.1%€-11k▼ 15.5%€-10k▲ 9.8%
Net result€-9k-€-8k▲ 10.2%€-10k▼ 20.0%€-11k▼ 15.6%€-10k▲ 9.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €42k
Fixed assets
€40k▼ 11.0%
Current assets
€2k▲ 310%
Equity and liabilities €42k
Equity
€19k▼ 35.2%
Debt
€23k▲ 37.7%
The debt ratio rises from 37.0% to 55.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-5k▲
2024 · €-6k
Cash flow
€-5k▲
2024 · €-6k
Solvency
44.5%▼
2024 · 63.0%
Current ratio
0.07▲
2024 · 0.02
Quick ratio
0.07▲
2024 · 0.02
Debt / equity
1.25▲
2024 · 0.59
ROE
-54.3%▼
2024 · -39.0%
ROA
-24.2%▲
2024 · -24.6%
Interest coverage
-108.75▼
2024 · -106.37
Debt
€23k▲
2024 · €17k
Debt ≤ 1 year
€23k▲
2024 · €17k
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€45k€42k▼
Fixed assets21/28€45k€40k▼
Tangible fixed assets22/27€45k€40k▼
Land and buildings22€45k€40k▼
Current assets29/58€394€2k▲
Cash at bank and in hand54/58€394€2k▲
Equity and liabilities
Total equity and liabilities10/49€45k€42k▼
Equity10/15€29k€19k▼
Contributions10/11€19k€19k=
Reserves13€91k€91k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€-81k€-91k▼
Amounts payable17/49€17k€23k▲
Amounts payable within one year42/48€17k€23k▲
Trade debts44€178€0▼
Suppliers440/4€178€0▼
Other amounts payable47/48€17k€23k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€502€507▲
Gross operating margin9900€-6k€-5k▲
Operating profit (loss)9901€-11k€-10k▲
Financial charges65/66B€58€46▼
Recurring financial charges65€58€46▼
Profit (loss) for the period before taxes9903€-11k€-10k▲
Profit (loss) for the period9904€-11k€-10k▲
Profit (loss) for the period to be appropriated9905€-11k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-81k€-91k▼
Profit (loss) brought forward from the previous period14P€-70k€-81k▼
The notes to these accounts (5 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 2 days late
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
04-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
12-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
02-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
10-04
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · HOUSE BVBA AMERIKALEI 172, 2000 ANTWERPEN 1 · event 04-04-2019
2018
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
02-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
SignalNBB filing
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, Antwerpen · 1 establishment unit since 2005
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.
Lange Lozanastraat 1422018 AntwerpenGround area
949 m²
Building footprint
948 m²
Volume, LiDAR
11,726 m³
Parcel 11810K1626/00B004, Flanders · tallest building 20.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
HOUSE
since 20052.150.512.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1626/00B004 | Flanders | 949 m² | 1 · 948 m² | 20.4 m · 5 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-11-2005
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.