MON HABITAT
ActiveMON HABITAT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €226k and a net result of €32k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 49% of 19348 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability58▲+8
Solvency55▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.14 against 0.28 in 2023; short-term debt: 18.9% and cash: 1.4% of total assets), and 70.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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
75 d late
2023
89 d late
2022
60 d late
2021
73 d late
2020
88 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€226k▲ 16.6%
2023 · €194k
2018: €91k
2019: €125k
2020: €147k
2021: €144k
2022: €180k
2023: €194k
2018 → 2024
Total assets
€757k▼ 2.0%
2023 · €773k
2018: €857k
2019: €801k
2020: €582k
2021: €825k
2022: €809k
2023: €773k
2018 → 2024
Net result
€32k▲ 140%
2023 · €13k
2018: €10k
2019: €34k
2020: €21k
2021: €-3k
2022: €36k
2023: €13k
2018 → 2024
Working capital
€-123k▼ 27.0%
2023 · €-97k
2018: €-290k
2019: €-92k
2020: €-7k
2021: €-202k
2022: €-139k
2023: €-97k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€147k-€144k▼ 1.8%€180k▲ 25.0%€194k▲ 7.4%€226k▲ 16.6%
Operating result€34k-€21k▼ 39.8%€81k▲ 290%€50k▼ 37.7%€83k▲ 63.8%
Net result€21k-€-3k€36k€13k▼ 62.8%€32k▲ 140%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 64% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €757k
Fixed assets
€738k▲ 0.3%
Current assets
€19k▼ 48.0%
Equity and liabilities €757k
Equity
€226k▲ 16.6%
Debt
€532k▼ 8.2%
The debt ratio falls from 75.0% to 70.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€109k▲
2023 · €76k
Cash flow
€58k▲
2023 · €39k
Solvency
29.8%▲
2023 · 25.0%
Current ratio
0.14▼
2023 · 0.28
Quick ratio
0.14▼
2023 · 0.28
Debt / equity
2.35▼
2023 · 2.99
ROE
14.2%▲
2023 · 6.9%
ROA
4.2%▲
2023 · 1.7%
Interest coverage
4.09▲
2023 · 3.43
Debt
€532k▼
2023 · €580k
Debt ≤ 1 year
€143k▲
2023 · €135k
Debt > 1 year
€389k▼
2023 · €445k
Income taxes
€24k▲
2023 · €15k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€773k€757k▼
Fixed assets21/28€736k€738k▲
Intangible fixed assets21€15k€10k▼
Tangible fixed assets22/27€721k€728k▲
Land and buildings22€716k€725k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€37k€19k▼
Amounts receivable after more than one year29€33k€0▼
Other amounts receivable291€33k€0▼
Amounts receivable within one year40/41€2k€8k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€1k€11k▲
Deferred charges and accrued income490/1€1k€651▼
Equity and liabilities
Total equity and liabilities10/49€773k€757k▼
Equity10/15€194k€226k▲
Contributions10/11€40k€40k=
Reserves13€75k€107k▲
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€71k€103k▲
Profit (loss) carried forward14€79k€79k=
Amounts payable17/49€580k€532k▼
Amounts payable after more than one year17€445k€389k▼
Financial debts170/4€445k€389k▼
Amounts payable within one year42/48€135k€143k▲
Financial debts43€80k€80k=
Credit institutions430/8€80k€80k=
Trade debts44€19k€19k▲
Suppliers440/4€19k€19k▲
Taxes, remuneration and social security45€36k€43k▲
Taxes450/3€36k€43k▲
Other amounts payable47/48€1€150▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k-
Other operating charges640/8€10k€8k▼
Gross operating margin9900€93k€117k▲
Operating profit (loss)9901€50k€83k▲
Financial charges65/66B€22k€27k▲
Recurring financial charges65€22k€27k▲
Profit (loss) for the period before taxes9903€28k€56k▲
Income taxes67/77€15k€24k▲
Profit (loss) for the period9904€13k€32k▲
Profit (loss) for the period to be appropriated9905€13k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€92k€111k▲
Profit (loss) brought forward from the previous period14P€79k€79k=
Transfer to equity691/2€13k€32k▲
To other reserves6921€13k€32k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial
Equity above €200kEq €226k ▲16.6%
3 profitable years in a row build equity to €226k.
28-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 89 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
31-12
Financial
Equity above €150kEq €180k ▲25%
Equity rises from €144k to €180k.
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 73 days late
2021
31-12
Financial
Weakest financial yearnet €-3k ▼113%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Equity above €100kEq €125k ▲37.3%
2 profitable years in a row build equity to €125k.
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 70 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 91 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 161 days late
2016
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Courcelles · 1 establishment unit since 2007
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.
Grand-Rue(TR) 76183 CourcellesGround area
229 m²
Building footprint
64 m²
Volume, LiDAR
567 m³
Parcel 52066A0272/00E004, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MON HABITAT
since 20072.162.242.935
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52066A0272/00E004 | Wallonia | 229 m² | 1 · 64 m² | 9.6 m · 3 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.
Similar companies · same sector, comparable size
Vastgoed MJ
BE 0769.439.533
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BATIM
BE 0452.144.813
Montigny-le-Tilleul · Eq €226k
AGENCE IMMOBILIERE SOCIALE DE WOLUWE-SAINT-LAMBERT
BE 0859.753.857
Sint-Lambrechts-Woluwe · Eq €226k
MINNETRAAN
BE 0889.394.384
Kapelle-op-den-Bos · Eq €226k
VERECO
BE 0542.687.185
Schilde · Eq €226k
Of 11,754 companies in sector 68310 we hold annual accounts for 6,908. 5,125 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-05-2007
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
68322Real estate appraisal on a fee or contract basis
70312
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@nonhabitat.be
Phone:0496/987490