L'HOIR CONSTRUCTIONS
ActiveL'HOIR CONSTRUCTIONS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 26% of 27619 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-10
Solvency49▼-12
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.03 in 2024; short-term debt: 75.7% and cash: 35.3% of total assets), and 75.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2025Solvency, return and age of the figures
Solvency
24.3%
Return on assets
-1.1%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
19 d late
2023
22 d late
2022
40 d early
2021
51 d early
2020
5 d early
2019
39 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▼ 35.1%
2024 · €124k
2018: €116k
2019: €123k
2020: €164k
2021: €164k
2022: €164k
2023: €164k
2024: €124k
2018 → 2025
Total assets
€332k▼ 2.7%
2024 · €341k
2018: €204k
2019: €213k
2020: €272k
2021: €306k
2022: €415k
2023: €343k
2024: €341k
2018 → 2025
Net result
€-4k
2024 · €24k
2018: €-2k
2019: €7k
2020: €40k
2021: €31k
2022: €43k
2023: €16k
2024: €24k
2018 → 2025
Working capital
€7k▼ 1.4%
2024 · €7k
2018: €90k
2019: €104k
2020: €156k
2021: €113k
2022: €13k
2023: €48k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€164k-€164k=€164k=€124k▼ 24.0%€81k▼ 35.1%
Operating result€37k-€50k▲ 34.6%€21k▼ 58.8%€30k▲ 47.9%€-3k
Net result€31k-€43k▲ 38.4%€16k▼ 63.8%€24k▲ 51.1%€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €30k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €332k
Fixed assets
€73k▼ 37.2%
Current assets
€259k▲ 15.3%
Equity and liabilities €332k
Equity
€81k▼ 35.1%
Debt
€252k▲ 15.9%
The debt ratio rises from 63.6% to 75.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▼
2024 · €74k
Cash flow
€40k▼
2024 · €67k
Solvency
24.3%▼
2024 · 36.4%
Current ratio
1.03▼
2024 · 1.03
Quick ratio
0.80▼
2024 · 1.03
Debt / equity
3.12▲
2024 · 1.75
ROE
-4.4%▼
2024 · 19.1%
ROA
-1.1%▼
2024 · 6.9%
Interest coverage
99.63▼
2024 · 384.99
Debt
€252k▲
2024 · €217k
Debt ≤ 1 year
€252k▲
2024 · €217k
Income taxes
€376▼
2024 · €6k
Staff costs
€7k▼
2024 · €30k
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€341k€332k▼
Fixed assets21/28€117k€73k▼
Tangible fixed assets22/27€116k€73k▼
Plant, machinery and equipment23€40k€28k▼
Furniture and vehicles24€76k€45k▼
Financial fixed assets28€498€498=
Current assets29/58€225k€259k▲
Stocks and contracts in progress3-€57k
Stocks30/36-€57k
Amounts receivable within one year40/41€62k€81k▲
Trade receivables40€20k€33k▲
Other amounts receivable41€42k€48k▲
Cash at bank and in hand54/58€155k€117k▼
Deferred charges and accrued income490/1€8k€4k▼
Equity and liabilities
Total equity and liabilities10/49€341k€332k▼
Equity10/15€124k€81k▼
Contributions10/11€50k€50k=
Reserves13€32k€31k▼
Non-distributable reserves130/1€5k€5k=
Reserves not available under the articles1311€5k€5k=
Distributable reserves133€27k€26k▼
Profit (loss) carried forward14€42k-
Amounts payable17/49€217k€252k▲
Amounts payable within one year42/48€217k€252k▲
Trade debts44€764€5k▲
Suppliers440/4€764€5k▲
Taxes, remuneration and social security45€9k€7k▼
Taxes450/3€9k€7k▼
Other amounts payable47/48€207k€240k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€43k▲
Other operating charges640/8€1k€882▼
Gross operating margin9900€105k€48k▼
Operating profit (loss)9901€30k€-3k▼
Financial income75/76B€40€22▼
Recurring financial income75€40€22▼
Financial charges65/66B€191€408▲
Recurring financial charges65€191€408▲
Profit (loss) for the period before taxes9903€30k€-3k▼
Income taxes67/77€6k€376▼
Profit (loss) for the period9904€24k€-4k▼
Profit (loss) for the period to be appropriated9905€24k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€66k€39k▼
Profit (loss) brought forward from the previous period14P€42k€42k=
Transfer from equity791/2€66k€1k▼
Transfer to equity691/2€27k-
To the legal reserve6920€27k-
Profit to be distributed694/7€63k€40k▼
Return on contributions (dividend)694€63k€40k▼
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-4k ▼115%
Net result drops to €-4k, the lowest in the series.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €43k ▲38.4%
Operating result €50k, net result €43k, both a record.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €164k ▲32.5%
2 profitable years in a row build equity to €164k.
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Namur · 1 establishment unit since 2013
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.
Rue du Mont(BZ) 625000 NamurGround area
651 m²
Building footprint
170 m²
Volume, LiDAR
1,049 m³
Parcel 92009B0018/00D000, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
L'HOIR CONSTRUCTIONS
since 20132.222.652.060
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92009B0018/00D000 | Wallonia | 651 m² | 1 · 170 m² | 8.7 m · 2 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.
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JEROEN MAESEN DAK & GEVEL
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DAVID BATI SRL
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Soignies · Eq €81k
PIRET Grégory
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Verviers · Eq €81k
Of 8,563 companies in sector 43410 we hold annual accounts for 4,354. 3,786 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-2013
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.