Skip to content

S.HOME

Active
Private limited companyfounded 2015active for 11 yearsPotaarde 77, 1730 Asse, BelgiumKBO/BCE: BE 0627.812.803
Summary

The computed 12-month bankruptcy probability of S.HOME is 2.2% (moderate). The annual accounts of S.HOME for financial year 2024 show a net loss of 203% of total assets and of 76% of the equity at the start of that year. The 2024 annual accounts show equity of €11,977 and a net result of -€37,240. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 41% of 9,217 sector peers (NACE 41, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
General construction of residential buildings
NACE 41001
1 site
Size
€18,323total assets 2024
Staff
0.1 FTE
Equity
€11,977
Loss
-€37,240
Turnover not published (micro format)
Financial health
52 Fair Checked score 2024
Bankruptcy probabilitywithin 12 months
2.2%
Structure
Accounts 79 days overdue2 of 4 deeds read
Why 52raises riskLatest accounts 75 days late; 2 of the last 3 lateSector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €28,939lowers riskFounded in 2015Show the evidence

Checked score

Score 2024
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 27% of its sector peers (NACE 41, micro)
Financial strength · tick = 2023
Average
Solvency 90-10
equity 65.4% of total assets
Liquidity 62-19
short-term debt 34.6% · cash 22.0%
Profitability 0-97
return on assets -203.2%
Bankruptcy probability, 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,421 companies, NACE 41, micro)
Last 24 months 11-2024: 1.4% 12-2024: 1.4%● unchanged vs 11-2024 01-2025: 1.4%● unchanged vs 12-2024 02-2025: 1.3%▼ -0.1 percentage points vs 01-2025 03-2025: 1.3%● unchanged vs 02-2025 04-2025: 1.4%▲ +0.1 percentage points vs 03-2025 05-2025: 1.6%▲ +0.2 percentage points vs 04-2025 06-2025: 1.6%● unchanged vs 05-2025 07-2025: 1.9%▲ +0.3 percentage points vs 06-2025 08-2025: 1.9%● unchanged vs 07-2025 09-2025: 1.8%▼ -0.1 percentage points vs 08-2025 10-2025: 1.8%● unchanged vs 09-2025 11-2025: 1.8%● unchanged vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.8%● unchanged vs 12-2025 02-2026: 1.3%▼ -0.5 percentage points vs 01-2026 03-2026: 1.2%▼ -0.1 percentage points vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.1%▼ -0.1 percentage points vs 04-2026 06-2026: 1.1%● unchanged vs 05-2026 07-2026: 1.1%● unchanged vs 06-2026lowest value 08-2026: 1.4%▲ +0.3 percentage points vs 07-2026 09-2026: 1.4%● unchanged vs 08-2026 10-2026: 2.2%▲ +0.8 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: an expected filing is missing beyond Checked's processing allowance
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 1.85, compared with 5.07 in 2023, above the usual 1.5; short-term debt: 34.6% and cash: 22% of total assets), and 34.6% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 41, micro): better than 43% on solvency, 31% on liquidity, 14% on profitability and 22% on growth.

The bankruptcy probability was computed on 18-10-2026 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.

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

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Latest accounts 75 days late; 2 of the last 3 late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Founded in 2015
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Size: total assets €28,939
Companies of this size fail more often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 79 days later.
NBB · 10 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline18-10-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-06-2025, 39 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not filed
2024
39 days early
2023
68 days late
2022
30 days late
2021
74 days late
2020
27 days late
2019
25 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 31 days after the deadline; the sector median (NACE 41) for financial year 2024 is on the deadline day, and 46% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: Daniel Semal (manager)Gazette deed
  2. Appointments: SEMAL Jerome Patrick Sabrina (director)…Resignations: SEMAL Jerome Patrick Sabrina…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: From profit to loss in 2024after €13,176 in 2023 -€37,240 View
  • Caution: Accounts not fileddeadline was 31-07-2026 79 days late View
  • Caution: Board changedlatest change 12-05-2026 · 1 in office 1 joined · 1 left View

By topic

Financials

Financial year
2024
Total assets
€18,323
Loss
-€37,240
Solvency
65.4%
Total assets▼ 68.6%
Net result
20182024
Go to Financials

Timeline

Events
17
Since
2016
  1. 31-12-2024Weakest financial year
  2. 07-10-2024Annual accounts filed
  3. 31-12-2023Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
01-04-2015
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
36
Who signs
Each director alone
Annual meeting
Third Tuesday of May at 18:00
Purpose
“Activiteiten betreffende het beheer van werkplaatsen en algemene coordinatie (gezondheid…” (deed in French)
Go to Articles of association

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.