NOTRE MAISON

Active

Private limited companyfounded 199036 yrs activeBoulevard Joseph Tirou 167, 6000 Charleroi, BelgiumKBO/BCE: BE 0240.277.017

NOTRE MAISON has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73.27M and a net result of €1.40M. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2025

82 / 100

Excellent= vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability63▼-1

Solvency94=

Growth68=

Stability100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.3M at 30 days acceptable

Liquidity ample (current ratio 3.75 against 4.38 in 2024), but 52% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

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 →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Long track record

A company with a long track record statistically fails less often than a young one.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

48%

Return on assets

0.9%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

32 d early

2024

43 d early

2023

30 d early

2022

21 d early

2021

40 d early

2020

33 d early

2019

55 d late

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€13.10M▲ 0.6%

2024 · €13.02M

2018: €9.75M 2019: €10.42M 2020: €11.18M 2021: €10.78M 2022: €11.35M 2023: €12.58M 2024: €13.02M

2018 → 2025

EBIT margin

10.2%▼ 1.7pp

2024 · 11.8%

2018: 15.7% 2019: 18.0% 2020: 18.4% 2021: 10.8% 2022: 9.9% 2023: 12.9% 2024: 11.8%

2018 → 2025

Net result

€1.40M▼ 4.3%

2024 · €1.46M

2018: €870k 2019: €1.55M 2020: €1.60M 2021: €945k 2022: €959k 2023: €1.50M 2024: €1.46M

2018 → 2025

Working capital

€20.69M▼ 20.9%

2024 · €26.15M

2018: €23.82M 2019: €27.07M 2020: €28.31M 2021: €31.84M 2022: €30.61M 2023: €31.07M 2024: €26.15M

2018 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Turnover€10.78M-€11.35M▲ 5.2%€12.58M▲ 10.9%€13.02M▲ 3.5%€13.10M▲ 0.6%

Equity€68.16M-€67.89M▼ 0.4%€71.37M▲ 5.1%€73.13M▲ 2.5%€73.27M▲ 0.2%

Operating result€1.16M-€1.12M▼ 3.7%€1.62M▲ 45.0%€1.54M▼ 5.2%€1.33M▼ 13.6%

Net result€945k-€959k▲ 1.5%€1.50M▲ 56.0%€1.46M▼ 2.4%€1.40M▼ 4.3%

Result per fiscal year

Operating resultNet result

The operating result has fallen two years in a row; 2025 is 14% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €152.71M

81.5%

18.5%

Fixed assets €124.48M▲ 4.4%

Current assets €28.22M▼ 16.7%

Equity and liabilities €152.71M

48.0%

48.4%

Equity €73.27M▲ 0.2%

Provisions €5.49M▲ 3.9%

Debt €73.94M▼ 1.0%

The debt ratio falls from 48.8% to 48.4%: equity grows while debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€5.28M▼

2024 · €5.46M

Cash flow

€5.35M▼

2024 · €5.38M

Solvency

48.0%▲

2024 · 47.8%

Current ratio

3.75▼

2024 · 4.38

Quick ratio

3.63▼

2024 · 4.35

Debt / equity

1.01▼

2024 · 1.02

ROE

1.9%▼

2024 · 2.0%

ROA

0.9%▼

2024 · 1.0%

Interest coverage

2.87▲

2024 · 2.76

Debt

€73.94M▼

2024 · €74.68M

Debt ≤ 1 year

€7.53M▼

2024 · €7.73M

Debt > 1 year

€66.33M▼

2024 · €66.76M

Income taxes

€47k▼

2024 · €98k

Staff costs

€3.15M▲

2024 · €3.01M

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€153.09M€152.71M▼

Formation expenses20-€0

Fixed assets21/28€119.21M€124.48M▲

Intangible fixed assets21€1k€0▼

Tangible fixed assets22/27€118.90M€124.17M▲

Land and buildings22€55.46M€55.81M▲

Plant, machinery and equipment23€18k€23k▲

Furniture and vehicles24€123k€198k▲

Leasing and similar rights25€51.66M€54.24M▲

Assets under construction and advance payments27€11.65M€13.90M▲

Financial fixed assets28€309k€314k▲

Other financial fixed assets284/8€309k€314k▲

Shares284-€3k

Amounts receivable and cash guarantees285/8€309k€312k▲

Current assets29/58€33.88M€28.22M▼

Amounts receivable after more than one year29€7.26M€6.18M▼

Other amounts receivable291€7.26M€6.18M▼

Stocks and contracts in progress3€262k€883k▲

Stocks30/36€262k€883k▲

Raw materials and consumables30/31€262k€233k▼

Work in progress32-€651k

Amounts receivable within one year40/41€12.53M€6.45M▼

Trade receivables40€536k€495k▼

Other amounts receivable41€11.99M€5.95M▼

Cash at bank and in hand54/58€12.88M€13.93M▲

Deferred charges and accrued income490/1€945k€779k▼

Equity and liabilities

Total equity and liabilities10/49€153.09M€152.71M▼

Equity10/15€73.13M€73.27M▲

Contributions10/11€15k€15k=

Reserves13€12.47M€13.86M▲

Non-distributable reserves130/1€6k€6k=

Reserves not available under the articles1311€6k€6k=

Tax-exempt reserves132€182k€180k▼

Distributable reserves133€12.28M€13.68M▲

Investment grants15€60.65M€59.40M▼

Provisions and deferred taxes16€5.28M€5.49M▲

Provisions for liabilities and charges160/5€2.09M€2.36M▲

Major repairs and maintenance162€1.96M€2.31M▲

Environmental obligations163€0-

Other liabilities and charges164/5€130k€55k▼

Deferred taxes168€3.20M€3.13M▼

Amounts payable17/49€74.68M€73.94M▼

Amounts payable after more than one year17€66.76M€66.33M▼

Financial debts170/4€66.76M€66.33M▼

Credit institutions173€59.64M€59.92M▲

Other loans174€7.12M€6.41M▼

Amounts payable within one year42/48€7.73M€7.53M▼

Current portion of amounts payable after more than one year42€4.18M€4.41M▲

Financial debts43€646-

Credit institutions430/8€646-

Trade debts44€2.59M€2.33M▼

Suppliers440/4€2.59M€2.33M▼

Taxes, remuneration and social security45€620k€325k▼

Taxes450/3€244k€56k▼

Remuneration and social security454/9€376k€269k▼

Other amounts payable47/48€341k€470k▲

Accrued charges and deferred income492/3€187k€75k▼

Income statement Code20242025

Operating income70/76A€14.07M€14.27M▲

Turnover70€13.02M€13.10M▲

Change in stocks of work in progress, finished goods and contracts in progress71€0-

Own construction capitalised72€26k€129k▲

Other operating income74€955k€1.03M▲

Non-recurring operating income76A€69k€16k▼

Operating charges60/66A€12.53M€12.94M▲

Goods for resale, raw materials and consumables60€295k€391k▲

Purchases600/8€306k€1.01M▲

Change in stocks: decrease (increase)609€-11k€-621k▼

Services and other goods61€3.47M€3.55M▲

Remuneration, social security and pensions62€3.01M€3.15M▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3.92M€3.95M▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-900€-6k▼

Provisions for liabilities and charges: additions (uses and reversals)635/8€341k€273k▼

Other operating charges640/8€1.31M€1.31M▼

Non-recurring operating charges66A€194k€320k▲

Operating profit (loss)9901€1.54M€1.33M▼

Financial income75/76B€1.92M€1.88M▼

Recurring financial income75€1.92M€1.88M▼

Income from financial fixed assets750€3k€3k▼

Income from current assets751€91k€93k▲

Other financial income752/9€1.83M€1.78M▼

Non-recurring financial income76B€0-

Financial charges65/66B€1.98M€1.84M▼

Recurring financial charges65€1.98M€1.84M▼

Debt charges650€1.98M€1.84M▼

Write-downs on current assets other than stocks, contracts in progress and trade receivables: additions (reversals)651€0-

Other financial charges652/9€229€570▲

Profit (loss) for the period before taxes9903€1.48M€1.37M▼

Transfer from deferred taxes780€75k€74k▼

Income taxes67/77€98k€47k▼

Taxes670/3€121k€112k▼

Tax adjustments and reversals of tax provisions77€22k€65k▲

Profit (loss) for the period9904€1.46M€1.40M▼

Transfer from tax-exempt reserves789€2k€2k=

Profit (loss) for the period to be appropriated9905€1.46M€1.40M▼

Appropriation of the result

Profit (loss) to be appropriated9906€1.46M€1.40M▼

Transfer to equity691/2€1.46M€1.40M▼

To other reserves6921€1.46M€1.40M▼

Social balance

Average headcount (FTE)908747.651.7▲

The notes to these accounts (73 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 14Financial 1Gazette 3Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-08

State Gazette act Statutes amendment · Miscellaneous

Share cancellation · Statutes amendment · Share reimbursement3 facts ▸

Share cancellation, 2026-01-05
Statutes amendment, Article 7
Share reimbursement, 2026-06-24

10-08

State Gazette act Resignations & appointments

General meeting · Director appointment · Director resignation36 facts ▸

General meeting, 16/06/2026
Director appointment, Stéphanie Bury (administrateur)
Director appointment, Françoise Colinet (administrateur)
Director appointment, Olivier Delforge (administrateur)
Director appointment, Martine Genova (administrateur)
Director appointment, Fabienne Moreau (administrateur)
Director appointment, Anne-Sophie Hayois (administrateur)
Director appointment, Didier Van den Brande (administrateur)
Director appointment, Benoît Jacob (administrateur)
Director appointment, Vincent Demanet (administrateur)
Director appointment, Jean Marc Monin (administrateur)
Director appointment, Louise D'Hooge (administrateur)
+24 further facts in this act

07-08

State Gazette act Resignations & appointments

General meeting · Board meeting · Auditor appointment3 facts ▸

General meeting, 15/06/2026
Board meeting, 04/04/2026
Auditor appointment, JOIRIS, ROUSSEAUX & Co, Réviseurs d'entreprises associés (réviseur d'entreprises)

29-06

NBB filing Annual accounts filed

fiscal year 2025 · full schema

2025

18-06

NBB filing Annual accounts filed

fiscal year 2024 · unclassified schema

2024

01-07

NBB filing Annual accounts filed

fiscal year 2023 · unclassified schema

2023

10-07

NBB filing Annual accounts filed

fiscal year 2022 · unclassified schema

2022

21-06

NBB filing Annual accounts filed

fiscal year 2021 · unclassified schema

2021

28-06

NBB filing Annual accounts filed

fiscal year 2020 · unclassified schema

2020

31-12

Financial Highest result since 2018net €1.60M ▲3%

Operating result €2.06M, net result €1.60M, both a record.

24-09

NBB filing Annual accounts filed

fiscal year 2019 · full schema · 55 days late

2019

18-06

NBB filing Annual accounts filed

fiscal year 2018 · full schema

2018

14-06

NBB filing Annual accounts filed

fiscal year 2017 · full schema

2017

19-06

NBB filing Annual accounts filed

fiscal year 2016 · full schema

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

under verification, no change since 2026

This board is reconstructed from a single act (26102512). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.

Anne-Sophie Hayois

Director · since 16-06-2026

Current

Benoît JACOB

Director · since 16-06-2026

Current

Bernadette Vandenbosch

Director · since 16-06-2026

Current

Charles Traoré

Director · since 16-06-2026

Current

Cécile Vargas

Director · since 16-06-2026

Current

Didier Van den Brande

Director · since 16-06-2026

Current

+ 15 not shown in this overview

16-06-2026 Anne-Sophie Hayois: Appointed as Director

16-06-2026 Benoît JACOB: Appointed as Director

16-06-2026 Bernadette Vandenbosch: Appointed as Director

16-06-2026 Charles Traoré: Appointed as Director

16-06-2026 Cécile Vargas: Appointed as Director

16-06-2026 Didier Van den Brande: Appointed as Director

16-06-2026 Fabienne Moreau: Appointed as Director

16-06-2026 Françoise Colinet: Appointed as Director

16-06-2026 HENRION Philippe: Appointed as Director

16-06-2026 Isabelle Somville: Appointed as Director

16-06-2026 Jean Louis Wouters: Appointed as Director

16-06-2026 Jean Marc Monin: Appointed as Director

16-06-2026 Laurent Borgniez: Appointed as Director

16-06-2026 Louise D'Hooge: Appointed as Director

16-06-2026 Martine Genova: Appointed as Director

16-06-2026 Michel Delecluse: Appointed as Director

16-06-2026 OLIVIER Coline: Appointed as Director

16-06-2026 Olivier Delforge: Appointed as Director

16-06-2026 Patricia Lebon: Appointed as Director

16-06-2026 Stéphanie Bury: Appointed as Director

16-06-2026 Vincent Demanet: Appointed as Director

16-06-2026 Baudouin Louette: Resigned as Director

16-06-2026 Benoît Beelen: Resigned as Director

16-06-2026 CHANTRY Julie: Resigned as Director

+ 11 not shown in this overview

Location & real-estate footprint

Registered office, Charleroi · 3 establishment units since 1990

establishment All 3 establishment units on the map

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.

Boulevard Joseph Tirou 1676000 Charleroi

Ground area

1,977 m²

Building footprint

413 m²

Volume, LiDAR

6,110 m³

3 parcels, Wallonia · tallest building 26.6 m, ±8 floors. Linked by address, not a title deed.

3 establishment units

Boulevard Joseph Tirou 167, 6000 Charleroi

NACE 70202

since 19902.143.337.536

Rue Marcel Tonglet(BT) 142, 6500 Beaumont

NACE 70202

since 19902.143.337.734

Boucle Jean de Nivelles 1, 1348 Ottignies-Louvain-la-Neuve

NACE 70202

since 19902.143.337.833

3 parcels

Wallonia 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25386B0122/07P000	Wallonia	1,087 m²	1 · 222 m²	16.6 m · 5 fl.
52011B0239/00L163	Wallonia	554 m²	1 · 107 m²	26.6 m · 8 fl.
56005A0644/00S003	Wallonia	336 m²	1 · 84 m²	6.7 m · 2 fl.