HOUSECONCEPT
ActiveSummary
HOUSECONCEPT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €100,176 and a net result of €6,086. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability71▼-12
Solvency60▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.3 in 2023; short-term debt: 64.6% and cash: 0.9% of total assets), and 64.6% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
35.4%
Return on assets
2.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-10-2025, 63 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
not confirmed
2024
63 d late
2023
78 d late
2022
72 d late
2021
72 d late
2020
80 d late
2019
95 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 77 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€100,176▲ 6.5%
2023 · €94,090
Total assets
€282,884▲ 12.6%
2023 · €251,276
Net result
€6,086▼ 78.2%
2023 · €27,873
Working capital
€76,919▲ 65.8%
2023 · €46,399
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€24,749▼ 72.0%€7,763€8,589▲ 10.6%€23,374▲ 172%€4,378▼ 81.3%
Net result-€22,341below the sector's middle half▼ 114%€12,461within the sector's middle half€13,636within the sector's middle half▲ 9.4%€27,873above the sector's middle half▲ 104%€6,086within the sector's middle half▼ 78.2%
Equity€40,120within the sector's middle half▼ 35.8%€52,581within the sector's middle half▲ 31.1%€66,217within the sector's middle half▲ 25.9%€94,090within the sector's middle half▲ 42.1%€100,176within the sector's middle half▲ 6.5%
Total assets€225,916within the sector's middle half▼ 13.7%€213,030within the sector's middle half▼ 5.7%€279,612within the sector's middle half▲ 31.3%€251,276within the sector's middle half▼ 10.1%€282,884within the sector's middle half▲ 12.6%
Debt€185,796▼ 6.7%€160,450▼ 13.6%€213,395▲ 33.0%€157,186▼ 26.3%€182,708▲ 16.2%
Working capital€2,567within the sector's middle half▼ 91.9%-€3,980within the sector's middle half€9,321within the sector's middle half€46,399within the sector's middle half▲ 398%€76,919within the sector's middle half▲ 65.8%
Solvency17.8%within the sector's middle half▼ 6.1pp24.7%within the sector's middle half▲ 6.9pp23.7%within the sector's middle half▼ 1.0pp37.4%within the sector's middle half▲ 13.8pp35.4%within the sector's middle half▼ 2.0pp
Current ratio1.01within the sector's middle half▼ 0.160.98within the sector's middle half▼ 0.041.04within the sector's middle half▲ 0.071.30within the sector's middle half▲ 0.251.42within the sector's middle half▲ 0.13
Return on assets (ROA)-9.9%below the sector's middle half▼ 5.9pp5.8%within the sector's middle half▲ 15.7pp4.9%within the sector's middle half▼ 1.0pp11.1%within the sector's middle half▲ 6.2pp2.2%within the sector's middle half▼ 8.9pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 81% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €282,884
Fixed assets
€23,257 ▼ 51.2%
Current assets
€259,627 ▲ 27.5%
Equity and liabilities €282,884
Equity
€100,176 ▲ 6.5%
Debt
€182,708 ▲ 16.2%
Debt's share of the balance-sheet total rises from 62.6% to 64.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€7,690▼
2023 · €34,341
Cash flow
€9,397▼
2023 · €38,840
Quick ratio
1.27▲
2023 · 1.23
Debt to equity
1.82▲
2023 · 1.67
ROE
6.1%▼
2023 · 29.6%
Interest coverage
6.70▼
2023 · 46.85
Debt ≤ 1 year
€182,708▲
2023 · €157,186
Income taxes
€3,053▲
2023 · €1,522
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 10,905 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.6%
went bankrupt
4.0%
stopped otherwise
95%
still going
A further 0.3% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 10,905 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.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9,520 | €12,493 | €18,015 | €10,967 | €3,311 | ▼ 69.8% |
| Other operating charges640/8 | - | €6,426 | €2,888 | €2,568 | €7,743 | ▲ 202% |
| Gross operating margin9900 | -€12,952 | €26,682 | €29,492 | €36,909 | €15,433 | ▼ 58.2% |
| Operating profit (loss)9901 | -€24,749 | €7,763 | €8,589 | €23,374 | €4,378 | ▼ 81.3% |
| Financial income75/76B | - | €5,630 | €7,576 | €6,755 | €5,907 | ▼ 12.5% |
| Recurring financial income75 | €3,982 | €5,630 | €7,576 | €6,755 | €5,907 | ▼ 12.5% |
| Financial charges65/66B | - | €704 | €2,144 | €733 | €1,147 | ▲ 56.5% |
| Recurring financial charges65 | €1,362 | €704 | €2,144 | €733 | €1,147 | ▲ 56.5% |
| Profit (loss) for the period before taxes9903 | -€22,130 | €12,688 | €14,020 | €29,396 | €9,139 | ▼ 68.9% |
| Income taxes67/77 | €211 | €227 | €384 | €1,522 | €3,053 | ▲ 101% |
| Profit (loss) for the period9904 | -€22,341 | €12,461 | €13,636 | €27,873 | €6,086 | ▼ 78.2% |
| Profit (loss) for the period to be appropriated9905 | -€22,341 | €12,461 | €13,636 | €27,873 | €6,086 | ▼ 78.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €225,916 | €213,030 | €279,612 | €251,276 | €282,884 | ▲ 12.6% |
| Fixed assets21/28 | €37,553 | €56,560 | €56,896 | €47,691 | €23,257 | ▼ 51.2% |
| Tangible fixed assets22/27 | €18,953 | €37,960 | €37,796 | €28,591 | €4,157 | ▼ 85.5% |
| Plant, machinery and equipment23 | - | €18,373 | €8,873 | €7,468 | €4,157 | ▼ 44.3% |
| Furniture and vehicles24 | - | €19,302 | €28,923 | €21,123 | - | - |
| Other tangible fixed assets26 | - | €285 | - | - | - | - |
| Financial fixed assets28 | €18,600 | €18,600 | €19,100 | €19,100 | €19,100 | = |
| Current assets29/58 | €188,363 | €156,470 | €222,716 | €203,585 | €259,627 | ▲ 27.5% |
| Stocks and contracts in progress3 | €58,972 | €32,920 | €63,811 | €10,753 | €27,605 | ▲ 157% |
| Stocks30/36 | - | €32,920 | €63,811 | €10,753 | €27,605 | ▲ 157% |
| Amounts receivable within one year40/41 | €76,419 | €74,837 | €131,240 | €173,209 | €140,997 | ▼ 18.6% |
| Trade receivables40 | - | €41,645 | €53,518 | €74,766 | €41,984 | ▼ 43.8% |
| Other amounts receivable41 | - | €33,192 | €77,723 | €98,443 | €99,014 | ▲ 0.6% |
| Cash at bank and in hand54/58 | €19,122 | €36,403 | €26,432 | €15,221 | €2,443 | ▼ 84.0% |
| Deferred charges and accrued income490/1 | - | €12,310 | €1,232 | €4,402 | €88,582 | ▲ 1,912% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €225,916 | €213,030 | €279,612 | €251,276 | €282,884 | ▲ 12.6% |
| Equity10/15 | €40,120 | €52,581 | €66,217 | €94,090 | €100,176 | ▲ 6.5% |
| Contributions10/11 | - | €40,000 | €40,000 | €40,000 | €40,000 | = |
| Reserves13 | €32,895 | €32,895 | €32,895 | €54,090 | €60,176 | ▲ 11.3% |
| Non-distributable reserves130/1 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Reserves not available under the articles1311 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Distributable reserves133 | - | €28,895 | €28,895 | €50,090 | €56,176 | ▲ 12.2% |
| Profit (loss) carried forward14 | -€32,775 | -€20,314 | -€6,678 | - | - | - |
| Amounts payable17/49 | €185,796 | €160,450 | €213,395 | €157,186 | €182,708 | ▲ 16.2% |
| Amounts payable within one year42/48 | €185,796 | €160,450 | €213,395 | €157,186 | €182,708 | ▲ 16.2% |
| Trade debts44 | €67,657 | €15,390 | €11,042 | €41,549 | €11,159 | ▼ 73.1% |
| Suppliers440/4 | - | €15,390 | €11,042 | €41,549 | €11,159 | ▼ 73.1% |
| Advances received on contracts in progress46 | - | - | €62,665 | - | - | - |
| Taxes, remuneration and social security45 | - | €439 | €611 | €4,523 | €4,575 | ▲ 1.1% |
| Taxes450/3 | - | €439 | €611 | €4,523 | €4,575 | ▲ 1.1% |
| Other amounts payable47/48 | - | €144,621 | €139,076 | €111,114 | €166,974 | ▲ 50.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€22,341 | €12,461 | €13,636 | €27,873 | €6,086 | ▼ 78.2% |
| + Depreciation and write-downs630 | €9,520 | €12,493 | €18,015 | €10,967 | €3,311 | ▼ 69.8% |
| Operating cash flow (approximation) | -€12,821 | €24,954 | €31,651 | €38,840 | €9,397 | ▼ 75.8% |
| Investment in fixed assets (approximation) | - | -€31,500 | -€18,350 | -€1,762 | €21,123 | ▲ 1,299% |
| Change in cash | - | €17,281 | -€9,971 | -€11,211 | -€12,778 | ▼ 14.0% |
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
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 63 days late
2024
31-12
Financial
Equity above €100,000Eq €100,176 ▲6.5%
4 profitable years in a row build equity to €100,176.
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 78 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
11-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 72 days late
2021
31-12
Financial
Back to profitnet €12,461
Net result €12,461 after 2 loss-making years.
19-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 80 days late
2020
31-12
Financial
Weakest financial yearnet -€22,341
Net result drops to -€22,341, the lowest in the series; recovery starts the following year.
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
2019
16-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 47 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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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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 2009
Ground area
162 m²
Building footprint
163 m²
Volume, LiDAR
1,098 m³
Parcel 11342A0094/00W009, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
HOUSECONCEPT
since 20092.174.966.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11342A0094/00W009 | Flanders | 162 m² | 1 · 163 m² | 12.7 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 HOUSECONCEPT 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Recognitions · licences · registrations
Recognised contractor
6 categoriesHOUSECONCEPT BV44988
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Of 175 companies in sector 47523 we hold annual accounts for 142. 115 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 (pre-2019)
Founded28-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47523Retail trade
47527Retail trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0808126103
Registered
20-11-2020
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.