HOUSEWIVES
ActiveSummary
The computed 12-month bankruptcy probability of HOUSEWIVES is 2.4% (moderate). The 2025 annual accounts show equity of €21,211 and a net result of -€19,770. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 29% of 702 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability20▼-60
Solvency31▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity ample (current ratio 2.78 against 2.19 in 2024; short-term debt: 7% and cash: 12.4% of total assets), but 93.7% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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
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
6.3%
Return on assets
-5.9%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 24-04-2026, 6 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
6 d early
2024
259 d late
2023
53 d early
2022
51 d early
2021
30 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 24 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 31 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close01-10-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
€109,110
EBIT margin
3.6%
Net result
-€19,770
2024 · €3,252
Working capital
€41,516▲ 1.0%
2024 · €41,109
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 55, Accommodation, 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
Line20212022202320242025
Turnover€109,110
Operating result€11,476-€30,343▲ 164%€12,859▼ 57.6%€3,965▼ 69.2%-€10,559
Net result€8,081within the sector's middle half-€18,566within the sector's middle half▲ 130%€5,083within the sector's middle half▼ 72.6%€3,252within the sector's middle half▼ 36.0%-€19,770within the sector's middle half
EBIT margin3.6%
Equity€14,081within the sector's middle half-€32,647within the sector's middle half▲ 132%€37,729within the sector's middle half▲ 15.6%€40,982within the sector's middle half▲ 8.6%€21,211below the sector's middle half▼ 48.2%
Total assets€365,407below the sector's middle half-€369,289below the sector's middle half▲ 1.1%€364,266below the sector's middle half▼ 1.4%€365,275below the sector's middle half▲ 0.3%€334,293below the sector's middle half▼ 8.5%
Debt€351,326-€336,642▼ 4.2%€326,536▼ 3.0%€324,294▼ 0.7%€313,082▼ 3.5%
Working capital-€1,626within the sector's middle half-€16,622within the sector's middle half€17,612within the sector's middle half▲ 6.0%€41,109within the sector's middle half▲ 133%€41,516within the sector's middle half▲ 1.0%
Solvency3.9%within the sector's middle half-8.8%within the sector's middle half▲ 5.0pp10.4%within the sector's middle half▲ 1.5pp11.2%within the sector's middle half▲ 0.9pp6.3%within the sector's middle half▼ 4.9pp
Current ratio0.93within the sector's middle half-1.61within the sector's middle half▲ 0.681.48within the sector's middle half▼ 0.132.19above the sector's middle half▲ 0.712.78above the sector's middle half▲ 0.59
Return on assets (ROA)2.2%within the sector's middle half-5.0%within the sector's middle half▲ 2.8pp1.4%within the sector's middle half▼ 3.6pp0.9%within the sector's middle half▼ 0.5pp-5.9%below the sector's middle half▼ 6.8pp
above
within
below
the middle half (P25 to P75) of NACE 55, Accommodation, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10,559 after €3,965 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €334,293
Fixed assets
€269,413 ▼ 7.0%
Current assets
€64,880 ▼ 14.3%
Equity and liabilities €334,293
Equity
€21,211 ▼ 48.2%
Debt
€313,082 ▼ 3.5%
Debt's share of the balance-sheet total rises from 88.8% to 93.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9,618▼
2024 · €24,209
Cash flow
€407▼
2024 · €23,497
Debt to equity
14.76▲
2024 · 7.91
ROE
-93.2%▼
2024 · 7.9%
Interest coverage
1.04▼
2024 · 33.97
Debt ≤ 1 year
€23,364▼
2024 · €34,576
Debt > 1 year
€289,718=
2024 · €289,718
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 849 companies that looked in July 2024 the way this one looks now, 4.6% went bankrupt within 24 months and 92% are still going.
- Micro
- 5 to 10 years old
- solvency under 10%
- a small loss
4.6%
went bankrupt
3.3%
stopped otherwise
92%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.4% 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 849 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €109,110 | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €82,901 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,206 | €19,760 | €19,902 | €20,245 | €20,177 | ▼ 0.3% |
| Other operating charges640/8 | - | €1,525 | €2,754 | €2,001 | €1,221 | ▼ 39.0% |
| Gross operating margin9900 | €18,580 | €51,628 | €35,514 | €26,210 | €10,839 | ▼ 58.6% |
| Operating profit (loss)9901 | €11,476 | €30,343 | €12,859 | €3,965 | -€10,559 | ▼ 366% |
| Financial income75/76B | - | €359 | €499 | €0 | - | - |
| Recurring financial income75 | €447 | €359 | €499 | €0 | - | - |
| Financial charges65/66B | - | €6,581 | €6,168 | €713 | €9,211 | ▲ 1,193% |
| Recurring financial charges65 | €2,623 | €6,581 | €6,168 | €713 | €9,211 | ▲ 1,193% |
| Profit (loss) for the period before taxes9903 | €9,299 | €24,121 | €7,191 | €3,252 | -€19,770 | ▼ 708% |
| Income taxes67/77 | €1,218 | €5,555 | €2,108 | - | - | - |
| Profit (loss) for the period9904 | €8,081 | €18,566 | €5,083 | €3,252 | -€19,770 | ▼ 708% |
| Profit (loss) for the period to be appropriated9905 | €8,081 | €18,566 | €5,083 | €3,252 | -€19,770 | ▼ 708% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €365,407 | €369,289 | €364,266 | €365,275 | €334,293 | ▼ 8.5% |
| Fixed assets21/28 | €344,224 | €325,237 | €309,835 | €289,590 | €269,413 | ▼ 7.0% |
| Tangible fixed assets22/27 | €344,224 | €325,237 | €309,835 | €289,590 | €269,413 | ▼ 7.0% |
| Land and buildings22 | - | €309,239 | €297,126 | €280,146 | €263,166 | ▼ 6.1% |
| Plant, machinery and equipment23 | - | €13,858 | €11,144 | €8,455 | €5,833 | ▼ 31.0% |
| Furniture and vehicles24 | - | €2,139 | €1,564 | €989 | €414 | ▼ 58.1% |
| Current assets29/58 | €21,183 | €44,052 | €54,431 | €75,685 | €64,880 | ▼ 14.3% |
| Amounts receivable within one year40/41 | €8,824 | €10,681 | €9,172 | €22,180 | €23,326 | ▲ 5.2% |
| Trade receivables40 | - | €2,700 | €82 | €10,386 | €11,533 | ▲ 11.0% |
| Other amounts receivable41 | - | €7,981 | €9,090 | €11,793 | €11,793 | = |
| Cash at bank and in hand54/58 | €12,359 | €32,817 | €41,434 | €53,505 | €41,554 | ▼ 22.3% |
| Deferred charges and accrued income490/1 | - | €554 | €3,825 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €365,407 | €369,289 | €364,266 | €365,275 | €334,293 | ▼ 8.5% |
| Equity10/15 | €14,081 | €32,647 | €37,729 | €40,982 | €21,211 | ▼ 48.2% |
| Contributions10/11 | - | €6,000 | €6,000 | €6,000 | €6,000 | = |
| Reserves13 | €8,081 | €26,647 | €31,729 | €34,982 | €15,211 | ▼ 56.5% |
| Distributable reserves133 | - | €26,647 | €31,729 | €34,982 | €15,211 | ▼ 56.5% |
| Amounts payable17/49 | €351,326 | €336,642 | €326,536 | €324,294 | €313,082 | ▼ 3.5% |
| Amounts payable after more than one year17 | €328,393 | €309,212 | €289,718 | €289,718 | €289,718 | = |
| Financial debts170/4 | - | €309,212 | €289,718 | €289,718 | €289,718 | = |
| Amounts payable within one year42/48 | €22,809 | €27,430 | €36,819 | €34,576 | €23,364 | ▼ 32.4% |
| Current portion of amounts payable after more than one year42 | - | €19,180 | €20,688 | €12,902 | - | - |
| Trade debts44 | €1,789 | €1,244 | €12,591 | €18,135 | €21,914 | ▲ 20.8% |
| Suppliers440/4 | - | €1,244 | €12,591 | €18,135 | €21,914 | ▲ 20.8% |
| Taxes, remuneration and social security45 | - | €5,555 | €2,090 | €2,090 | - | - |
| Taxes450/3 | - | €5,555 | €2,090 | €2,090 | - | - |
| Other amounts payable47/48 | - | €1,450 | €1,450 | €1,450 | €1,450 | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,081 | €18,566 | €5,083 | €3,252 | -€19,770 | ▼ 708% |
| + Depreciation and write-downs630 | €6,206 | €19,760 | €19,902 | €20,245 | €20,177 | ▼ 0.3% |
| Operating cash flow (approximation) | €14,287 | €38,326 | €24,984 | €23,497 | €407 | ▼ 98.3% |
| Investment in fixed assets (approximation) | - | -€772 | -€4,500 | €0 | €0 | - |
| Change in cash | - | €20,458 | €8,617 | €12,071 | -€11,951 | ▼ 199% |
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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 259 days late
2025
30-09
Financial
Weakest financial yearnet -€19,770
Net result drops to -€19,770, the lowest in the series.
2024
08-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2021net €18,566 ▲130%
Operating result €30,343, net result €18,566, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
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
No directors read yet: 0 of 1 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Oud-Turnhout · 3 establishment units since 2020
Ground area
726 m²
Building footprint
622 m²
Volume, LiDAR
3,404 m³
3 parcels, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
3 establishment units
HOUSEWIVES
since 20202.308.657.507
Housewives
since 20212.317.767.686
Housewives
since 20212.317.767.785
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13002B0002/00H000 | Flanders | 460 m² | 1 · 145 m² | 7.6 m · 2 fl. |
| 13482F0446/00Z002 | Flanders | 139 m² | 1 · 264 m² | 11.7 m · 1 fl. |
| 13040C0033/00F003 | Flanders | 127 m² | 1 · 213 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Company details
Identification
Legal formPrivate limited company
Founded29-09-2020
Fiscal year end30-09
Activities, NACEBEL 2025
55203Holiday cottages, homes and apartments
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0755368593
Also
9925:BE0755368593
Registered
02-06-2026
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.