Summary
HOUSE SYSTEMS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €129,320 and a net result of €8,502. Equity is growing by ~17.4% per year across the filed fiscal years. 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 Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-06-2026, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
56 d early
2023
41 d early
2022
22 d late
2021
6 d early
2020
30 d early
2019
92 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 24 June (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, micro schema
In the rankings
#3 oldest company in Lubbeek, Finance and insurance sector
Equity
€129,320▲ 7.0%
2023 · €120,818
Net result
€8,502▼ 18.7%
2023 · €10,453
Total assets
€315,990▼ 6.6%
2023 · €338,495
Solvency
40.9%▲ 5.2pp
2023 · 35.7%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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 64, Financial service activities, except insurance and pension funding, 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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€118,273€8,218€21,734▲ 164%€20,009▼ 7.9%€17,346▼ 13.3%
Net result-€31,932below the sector's middle half€7,247within the sector's middle half€75,372within the sector's middle half▲ 940%€10,453within the sector's middle half▼ 86.1%€8,502within the sector's middle half▼ 18.7%
Equity€33,424below the sector's middle half▼ 48.9%€34,994below the sector's middle half▲ 4.7%€110,365below the sector's middle half▲ 215%€120,818within the sector's middle half▲ 9.5%€129,320within the sector's middle half▲ 7.0%
Total assets€383,913below the sector's middle half▼ 13.1%€341,863below the sector's middle half▼ 11.0%€284,900below the sector's middle half▼ 16.7%€338,495within the sector's middle half▲ 18.8%€315,990within the sector's middle half▼ 6.6%
Debt€350,488▼ 6.9%€306,869▼ 12.4%€174,535▼ 43.1%€217,676▲ 24.7%€186,670▼ 14.2%
Working capital-€71,691within the sector's middle half▲ 56.3%-€73,225within the sector's middle half▼ 2.1%€1,102within the sector's middle half-€29,491below the sector's middle half-€21,370below the sector's middle half▲ 27.5%
Solvency8.7%below the sector's middle half▼ 6.1pp10.2%below the sector's middle half▲ 1.5pp38.7%within the sector's middle half▲ 28.5pp35.7%within the sector's middle half▼ 3.0pp40.9%within the sector's middle half▲ 5.2pp
Current ratio0.59within the sector's middle half▲ 0.410.50within the sector's middle half▼ 0.091.04within the sector's middle half▲ 0.540.34below the sector's middle half▼ 0.700.44below the sector's middle half▲ 0.10
Return on assets (ROA)-8.3%below the sector's middle half▼ 8.7pp2.1%within the sector's middle half▲ 10.4pp26.5%above the sector's middle half▲ 24.3pp3.1%within the sector's middle half▼ 23.4pp2.7%within the sector's middle half▼ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
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 has fallen two years in a row; 2024 is 13% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €315,990
Fixed assets
€299,265 ▼ 7.4%
Current assets
€16,725 ▲ 8.8%
Equity and liabilities €315,990
Equity
€129,320 ▲ 7.0%
Debt
€186,670 ▼ 14.2%
Debt's share of the balance-sheet total falls from 64.3% to 59.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
6.6%▼
2023 · 8.7%
Debt ≤ 1 year
€38,095▼
2023 · €44,864
Debt > 1 year
€148,575▼
2023 · €172,812
Income taxes
€3,446▲
2023 · €3,137
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,121 | €11,499 | €11,499 | €20,643 | €23,856 | ▲ 15.6% |
| Other operating charges640/8 | - | €2,531 | €1,221 | €5,132 | €3,656 | ▼ 28.8% |
| Gross operating margin9900 | €25,366 | €22,247 | €34,454 | €45,784 | €44,858 | ▼ 2.0% |
| Operating profit (loss)9901 | -€118,273 | €8,218 | €21,734 | €20,009 | €17,346 | ▼ 13.3% |
| Financial income75/76B | - | €4,044 | €65,000 | €1 | €3 | ▲ 234% |
| Recurring financial income75 | €3,572 | €4,044 | €65,000 | €1 | €3 | ▲ 234% |
| Financial charges65/66B | - | €4,026 | €3,863 | €6,420 | €5,401 | ▼ 15.9% |
| Recurring financial charges65 | €4,625 | €4,026 | €3,863 | €6,420 | €5,401 | ▼ 15.9% |
| Profit (loss) for the period before taxes9903 | -€31,932 | €8,237 | €82,872 | €13,590 | €11,948 | ▼ 12.1% |
| Income taxes67/77 | - | €990 | €7,500 | €3,137 | €3,446 | ▲ 9.9% |
| Profit (loss) for the period9904 | -€31,932 | €7,247 | €75,372 | €10,453 | €8,502 | ▼ 18.7% |
| Profit (loss) for the period to be appropriated9905 | -€31,932 | €7,247 | €75,372 | €10,453 | €8,502 | ▼ 18.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €383,913 | €341,863 | €284,900 | €338,495 | €315,990 | ▼ 6.6% |
| Fixed assets21/28 | €279,935 | €268,436 | €256,938 | €323,121 | €299,265 | ▼ 7.4% |
| Tangible fixed assets22/27 | €159,935 | €148,436 | €136,938 | €202,601 | €178,745 | ▼ 11.8% |
| Land and buildings22 | - | €141,155 | €134,560 | €127,965 | €121,370 | ▼ 5.2% |
| Furniture and vehicles24 | - | €7,281 | €2,378 | €74,636 | €57,375 | ▼ 23.1% |
| Financial fixed assets28 | €120,000 | €120,000 | €120,000 | €120,520 | €120,520 | = |
| Current assets29/58 | €103,978 | €73,427 | €27,962 | €15,373 | €16,725 | ▲ 8.8% |
| Amounts receivable within one year40/41 | €85,460 | €60,360 | €16,661 | €4,082 | €7,498 | ▲ 83.7% |
| Trade receivables40 | - | €10,402 | €13,549 | €3,506 | €3,828 | ▲ 9.2% |
| Other amounts receivable41 | - | €49,958 | €3,111 | €576 | €3,670 | ▲ 537% |
| Cash at bank and in hand54/58 | €14,680 | €10,278 | €11,302 | €10,650 | €8,714 | ▼ 18.2% |
| Deferred charges and accrued income490/1 | - | €2,789 | - | €641 | €512 | ▼ 20.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €383,913 | €341,863 | €284,900 | €338,495 | €315,990 | ▼ 6.6% |
| Equity10/15 | €33,424 | €34,994 | €110,365 | €120,818 | €129,320 | ▲ 7.0% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €10,741 | €14,994 | €90,365 | €100,818 | €109,320 | ▲ 8.4% |
| Non-distributable reserves130/1 | - | €2,000 | €2,000 | €2,000 | - | - |
| Reserves not available under the articles1311 | - | €2,000 | €2,000 | €2,000 | - | - |
| Distributable reserves133 | - | €12,994 | €88,365 | €98,818 | €109,320 | ▲ 10.6% |
| Profit (loss) carried forward14 | €2,683 | - | - | - | - | - |
| Amounts payable17/49 | €350,488 | €306,869 | €174,535 | €217,676 | €186,670 | ▼ 14.2% |
| Amounts payable after more than one year17 | €174,820 | €160,218 | €147,674 | €172,812 | €148,575 | ▼ 14.0% |
| Financial debts170/4 | - | €160,218 | €147,674 | €172,812 | €148,575 | ▼ 14.0% |
| Amounts payable within one year42/48 | €175,669 | €146,651 | €26,860 | €44,864 | €38,095 | ▼ 15.1% |
| Current portion of amounts payable after more than one year42 | - | €14,602 | €12,134 | €23,420 | €24,238 | ▲ 3.5% |
| Trade debts44 | €9,225 | €4,285 | €1,519 | €1,748 | €2,304 | ▲ 31.9% |
| Suppliers440/4 | - | €4,285 | €1,519 | €1,748 | €2,304 | ▲ 31.9% |
| Taxes, remuneration and social security45 | - | €8,193 | €13,207 | €9,613 | €5,742 | ▼ 40.3% |
| Taxes450/3 | - | €5,479 | €10,497 | €9,613 | €5,733 | ▼ 40.4% |
| Remuneration and social security454/9 | - | €2,714 | €2,710 | - | €9 | - |
| Other amounts payable47/48 | - | €119,571 | - | €10,083 | €5,811 | ▼ 42.4% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€31,932 | €7,247 | €75,372 | €10,453 | €8,502 | ▼ 18.7% |
| + Depreciation and write-downs630 | €9,121 | €11,499 | €11,499 | €20,643 | €23,856 | ▲ 15.6% |
| Operating cash flow (approximation) | -€22,811 | €18,745 | €86,870 | €31,095 | €32,358 | ▲ 4.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€86,826 | €0 | ▲ 100% |
| Change in cash | - | -€4,402 | €1,024 | -€651 | -€1,936 | ▼ 197% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €75,372 ▲940%
Operating result €21,734, net result €75,372, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.04
Current ratio from 0.50 to 1.04; short-term debt falls from €146,651 to €26,860.
31-12
Financial
Equity above €100,000Eq €110,365 ▲215%
2 profitable years in a row build equity to €110,365.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €7,247
Net result €7,247 after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet -€31,932
Net result drops to -€31,932, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 92 days late
Show earlier events
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit since 1999
Ground area
1,002 m²
Building footprint
173 m²
Volume, LiDAR
945 m³
Parcel 24063B0290/00W000, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Diestsesteenweg(LIN) 139, 3210 Lubbeek
since 19992.131.385.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24063B0290/00W000 | Flanders | 1,001 m² | 1 · 173 m² | 9.6 m · 2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
100%
According to the 2024 annual accounts of HOUSE SYSTEMS and those 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 current directors or connected companies found in the register.
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Of 24,721 companies in sector 64210 we hold annual accounts for 19,799. 12,947 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
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
E-invoicing
Reachable via Peppol
Peppol ID
0208:0466968688
Registered
02-04-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.