HOUSE PROMO

Active

Private limited companyfounded 200818 yrs activeAvenue Bourgys (Henri) 11, 1410 Waterloo, BelgiumKBO/BCE: BE 0895.001.677

HOUSE PROMO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-249k) and a net result of €-104k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 6% of 9088 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

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Checked score

Score 2025

22 / 100

Critical▲ +15 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency46▲+4

Growth32=

Stability100

Bankruptcy probability, 12 months

0.4% Very low

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity tight (current ratio 1.09 against 0.87 in 2024), and equity is negative.

How do we compute the score and the probability?

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

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 →

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 2025

Solvency, return and age of the figures

Solvency

-42.9%

Return on assets

-17.9%

Age of the figures

8 mo

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Negative equity

Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€249k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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 filings

Deviation from the deadline

2025

20 d late

2024

29 d late

2023

30 d late

2022

30 d late

2021

1 d late

2020

31 d late

2019

24 d late

← before the deadline after the deadline →

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 months

Position in the running window

12-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity

€-249k▼ 71.7%

2024 · €-145k

2018: €31k 2019: €4k 2020: €-32k 2021: €-105k 2022: €-49k 2023: €-53k 2024: €-145k

2018 → 2025

Total assets

€579k▲ 205%

2024 · €190k

2018: €48k 2019: €24k 2020: €227k 2021: €612k 2022: €1.01M 2023: €135k 2024: €190k

2018 → 2025

Net result

€-104k▼ 12.5%

2024 · €-92k

2018: €12k 2019: €-27k 2020: €-37k 2021: €-72k 2022: €56k 2023: €-3k 2024: €-92k

2018 → 2025

Working capital

€47k

2024 · €-28k

2018: €12k 2019: €-12k 2020: €81k 2021: €359k 2022: €663k 2023: €-57k 2024: €-28k

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€-105k-€-49k▲ 53.1%€-53k▼ 7.0%€-145k▼ 175%€-249k▼ 71.7%

Operating result€-66k-€69k€5k▼ 92.5%€-91k€-101k▼ 10.0%

Net result€-72k-€56k€-3k€-92k▼ 2,593%€-104k▼ 12.5%

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 €101k in 2025 against €91k in 2024; the loss grows and 2025 is the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €579k

99.5%

Fixed assets €3k▼ 29.6%

Current assets €577k▲ 210%

Key figures and ratios

2025 value · change against 2024

EBITDA

€-99k▼

2024 · €-90k

Cash flow

€-103k▼

2024 · €-91k

Solvency

-42.9%▲

2024 · -76.4%

Current ratio

1.09▲

2024 · 0.87

Quick ratio

0.20▼

2024 · 0.22

Debt / equity

-3.33▼

2024 · -2.31

ROE

41.7%▼

2024 · 63.7%

ROA

-17.9%▲

2024 · -48.7%

Interest coverage

-27.39▲

2024 · -115.16

Debt

€828k▲

2024 · €335k

Debt ≤ 1 year

€530k▲

2024 · €214k

Debt > 1 year

€298k▲

2024 · €120k

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€190k€579k▲

Fixed assets21/28€4k€3k▼

Tangible fixed assets22/27€4k€3k▼

Plant, machinery and equipment23€2k€2k▼

Furniture and vehicles24€2k€892▼

Current assets29/58€186k€577k▲

Stocks and contracts in progress3€139k€473k▲

Stocks30/36€139k€473k▲

Amounts receivable within one year40/41€10k€35k▲

Trade receivables40€7k€7k▼

Other amounts receivable41€3k€28k▲

Cash at bank and in hand54/58€19k€57k▲

Deferred charges and accrued income490/1€17k€13k▼

Equity and liabilities

Total equity and liabilities10/49€190k€579k▲

Equity10/15€-145k€-249k▼

Contributions10/11€19k€19k=

Outside capital11€19k€19k=

Other1109/19€19k€19k=

Reserves13€2k€2k=

Distributable reserves133€2k€2k=

Profit (loss) carried forward14€-165k€-269k▼

Amounts payable17/49€335k€828k▲

Amounts payable after more than one year17€120k€298k▲

Financial debts170/4€120k€298k▲

Amounts payable within one year42/48€214k€530k▲

Current portion of amounts payable after more than one year42-€240k

Trade debts44€13k€27k▲

Suppliers440/4€13k€27k▲

Other amounts payable47/48€201k€264k▲

Accrued charges and deferred income492/3€324-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=

Other operating charges640/8€1k€400▼

Gross operating margin9900€-89k€-99k▼

Operating profit (loss)9901€-91k€-101k▼

Financial income75/76B€94€324▲

Recurring financial income75€94€324▲

Financial charges65/66B€784€4k▲

Recurring financial charges65€784€4k▲

Profit (loss) for the period before taxes9903€-92k€-104k▼

Income taxes67/77€256-

Profit (loss) for the period9904€-92k€-104k▼

Profit (loss) for the period to be appropriated9905€-92k€-104k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-165k€-269k▼

Profit (loss) brought forward from the previous period14P€-73k€-165k▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 13Financial 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

20-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 20 days late

2025

31-12

Financial Weakest financial yearnet €-104k

Net result drops to €-104k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

30-08

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 30 days late

2023

30-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 30 days late

2022

31-12

Financial Back to profitnet €56k

Net result €56k after 3 loss-making years.

01-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 1 day late

2021

31-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 31 days late

2020

31-12

Financial Liquidity times 34current ratio 1.61

Current ratio from 0.05 to 1.61.

24-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 24 days late

2019

22-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 22 days late

2018

28-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 28 days late

2017

28-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 28 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

no sitting director, no change since 2023

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

17-01-2023 Resigned as Manager

Location & real-estate footprint

Registered office, Waterloo · 1 establishment unit since 2008

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.

Avenue Bourgys (Henri) 111410 Waterloo

1 establishment unit

HOUSE PROMO

Avenue Bourgys (Henri) 11, 1410 WaterlooConstruction of residential and non-residential buildings

since 20082.167.863.193