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MON HABITAT

Active
Private limited companyfounded 2007active for 19 yearsGrand-Rue 7, 6183 Courcelles, BelgiumKBO/BCE: BE 0889.345.686
Summary

MON HABITAT has been active since 2007 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €239,125 and a net result of €13,341. Equity has been growing by about 15% per year since 2018. Its solvency ranks better than 52% of 17,149 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Overview

Official details

Source: KBO
Status
Active since 10-05-2007 Normal situation
Activity
Real estate agency activities NACE 68310and 1 other
Establishment unit
2.162.242.935 6183 Courcelles, since 11-05-2007
Financial year end
31 December
Peppol
Reachable since 07-01-2026

Board and ownership

Board
  • MONDY ROLANDDirector

Financial position

81 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Annual accounts 2025
Gross margin
€93,402
▼ 19.9%
Turnover
≈ €190,000
estimated
Profit
€13,341
▼ 58.5%
Equity
€239,125
▲ 5.9%
Total assets
€759,936
▲ 0.3%
  • 2025 accounts filed 67 days after the deadline
Score breakdownraises riskLast filed accounts filed 67 days late; 3 of the last 3 accounts lateLiquidity: current ratio 0.02, cash €4,050, halvedlowers riskSize: total assets €759,936Founded in 2007Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 47% of micro companies in real estate (NACE 68)
Financial strength · tick: 2024
Average
Solvency 56+1
equity 31.5% of total assets
Liquidity 42-4
short-term debt 24.2% · cash 0.5%
Profitability 52-6
return on assets 1.8%
Bankruptcy probability within 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (26,628 companies, NACE 68, micro)
Last 24 months 12-2024: 1.1% 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.2%▲ +0.1 percentage points vs 06-2025 08-2025: 1.7%▲ +0.5 percentage points vs 07-2025 09-2025: 1.9%▲ +0.2 percentage points vs 08-2025 10-2025: 2.3%▲ +0.4 percentage points vs 09-2025highest value 11-2025: 0.4%▼ -1.9 percentage points vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025lowest value 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.9%▲ +0.4 percentage points vs 07-2026 09-2026: 1.0%▲ +0.1 percentage points vs 08-2026 10-2026: 0.5%▼ -0.5 percentage points vs 09-2026 11-2026: 0.5%● unchanged vs 10-2026
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.02 (0.14 in 2024), below 1. Short-term debt is 24.2% and cash 0.5% of total assets. 68.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 50% of them on solvency, 35% on liquidity, 44% on profitability and 60% on growth.

The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises risk
raises risk · Last filed accounts filed 67 days late; 3 of the last 3 accounts late
NBB · filings
lowers risk · Size: total assets €759,936
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.02, cash €4,050, halved
NBB · annual accounts
lowers risk · Founded in 2007
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · 2025 accounts filed 67 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-10-2026, 67 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
67 days late
2024
75 days late
2023
89 days late
2022
60 days late
2021
73 days late
2020
88 days late
2019
91 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 78 days after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

  1. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as MON HABITAT: real estate agency activities (NACE 68310). They are comparable in size and age: total assets between €651,000 and €768,000, founded between 2005 and 2006.

CompanyTotal assetsGross margin
MON HABITAT Courcelles€759,936€93,402
LA CONFIANCE IMMOBILIERE Charleroi€672,099€101,731
@HOME VASTGOED Antwerp€758,999€85,371
ALPE Bullange€718,927€96,292
ANIXTON Brussels€710,522€105,973
OPRES Diksmuide€767,868€80,128
SAPARUA Herk-de-Stad€651,024€91,543
Full comparison

Key facts about MON HABITAT

What is the company number of MON HABITAT?
The company number of MON HABITAT is 0889.345.686. The VAT number is the same number with BE in front: BE 0889.345.686.
Where is MON HABITAT based?
The registered office is at Grand-Rue 7, 6183 Courcelles.Company details
What does MON HABITAT do?
According to the KBO register, the main activity is real estate agency activities (NACE 68310).
What is the legal form of MON HABITAT?
MON HABITAT is a private limited company (BV).
When was MON HABITAT founded?
MON HABITAT was founded on 10-05-2007.
Is MON HABITAT still active?
Yes, MON HABITAT is an active enterprise in the KBO register.
How many employees does MON HABITAT have?
MON HABITAT had an average of 2.9 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of MON HABITAT?
The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €93,402 and 32 comparable companies (NACE 683). It probably lies between €120,000 and €260,000.
Is MON HABITAT profitable?
In financial year 2025, MON HABITAT made a profit of €13,341.
Where can I find the annual accounts of MON HABITAT?
MON HABITAT filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of MON HABITAT due?
MON HABITAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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