PROP'HOUSE
ActivePROP'HOUSE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €363k and a net result of €90k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 1041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+14
Solvency74▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.77 in 2024; short-term debt: 25.4% and cash: 38.7% of total assets), but 51.4% 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48.6%
Return on assets
12.1%
Age of the figures
9 mo
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 · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
10 d early
2023
12 d early
2022
24 d early
2021
12 d early
2020
27 d late
2019
32 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€90k▲ 1,061%
2024 · €8k
2018: €24k
2019: €110k
2020: €37k
2021: €16k
2022: €-45k
2023: €-30k
2024: €8k
2018 → 2025
Working capital
€237k▲ 73.5%
2024 · €137k
2018: €89k
2019: €179k
2020: €187k
2021: €184k
2022: €129k
2023: €112k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€340k-€295k▼ 13.2%€265k▼ 10.3%€272k▲ 2.9%€363k▲ 33.2%
Operating result€33k-€-34k€-17k▲ 51.4%€23k€99k▲ 337%
Net result€16k-€-45k€-30k▲ 32.1%€8k€90k▲ 1,061%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 337% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €747k
Fixed assets
€320k▼ 9.5%
Current assets
€427k▲ 36.1%
Equity and liabilities €747k
Equity
€363k▲ 33.2%
Debt
€384k▼ 2.7%
The debt ratio falls from 59.2% to 51.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€134k▲
2024 · €60k
Cash flow
€126k▲
2024 · €45k
Solvency
48.6%▲
2024 · 40.8%
Current ratio
2.25▲
2024 · 1.77
Quick ratio
2.25▲
2024 · 1.77
Debt / equity
1.06▼
2024 · 1.45
ROE
24.9%▲
2024 · 2.9%
ROA
12.1%▲
2024 · 1.2%
Interest coverage
19.04▲
2024 · 7.54
Debt
€384k▼
2024 · €395k
Debt ≤ 1 year
€190k▲
2024 · €177k
Debt > 1 year
€193k▼
2024 · €216k
Income taxes
€3k▼
2024 · €8k
Staff costs
€1.25M▲
2024 · €1.05M
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€667k€747k▲
Fixed assets21/28€353k€320k▼
Tangible fixed assets22/27€322k€289k▼
Land and buildings22€299k€277k▼
Furniture and vehicles24€15k€11k▼
Leasing and similar rights25€9k€2k▼
Financial fixed assets28€31k€31k▼
Current assets29/58€314k€427k▲
Amounts receivable within one year40/41€119k€134k▲
Trade receivables40€102k€134k▲
Other amounts receivable41€17k-
Cash at bank and in hand54/58€191k€289k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€667k€747k▲
Equity10/15€272k€363k▲
Contributions10/11€19k€19k=
Reserves13€254k€344k▲
Tax-exempt reserves132€252k€342k▲
Distributable reserves133€2k€2k=
Amounts payable17/49€395k€384k▼
Amounts payable after more than one year17€216k€193k▼
Financial debts170/4€216k€193k▼
Amounts payable within one year42/48€177k€190k▲
Current portion of amounts payable after more than one year42€33k€24k▼
Trade debts44€17k€13k▼
Suppliers440/4€17k€13k▼
Taxes, remuneration and social security45€127k€152k▲
Taxes450/3-€4k
Remuneration and social security454/9€127k€148k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.05M€1.25M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€36k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€1.11M€1.39M▲
Operating profit (loss)9901€23k€99k▲
Financial income75/76B€814€2k▲
Recurring financial income75€814€2k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€15k€93k▲
Income taxes67/77€8k€3k▼
Profit (loss) for the period9904€8k€90k▲
Transfer to tax-exempt reserves689€8k€90k▲
Social balance
Average headcount (FTE)908733.535.1▲
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-45k ▼388%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 32 days late
2019
31-12
Financial
Highest result since 2018net €110k ▲358%
Operating result €125k, net result €110k, both a record.
31-12
Financial
Equity above €200kEq €287k ▲62.2%
2 profitable years in a row build equity to €287k.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 20 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Morlanwelz · 1 establishment unit since 2009
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 des Myosotis(MLZ) 17140 MorlanwelzGround area
758 m²
Building footprint
227 m²
Volume, LiDAR
2,167 m³
2 parcels, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Prop'House
since 20092.182.971.934
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56057A0122/00L028 | Wallonia | 632 m² | 1 · 108 m² | 8.0 m · 2 fl. |
| 56033A0633/00G005 | Wallonia | 126 m² | 1 · 119 m² | 14.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
SERVICE PLUS SERVICE
BE 0819.181.529
Ukkel · Eq €361k
DSL SERVICES
BE 0838.568.859
Court-Saint-Etienne · Eq €359k
Mouscron Solidarité Services
BE 0895.711.955
Mouscron · Eq €358k
LIVING CONSULT
BE 0806.137.108
Sint-Gillis (bij-Brussel) · Eq €358k
A'TOUT FER
BE 0831.139.748
Celles (lez-Tournai) · Eq €354k
Of 810 companies in sector 96910 we hold annual accounts for 618. 443 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded17-11-2009
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.