THE HOUSE FRIEND
ActiveTHE HOUSE FRIEND has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €20k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 55% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 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▼-6
Solvency61▲+18
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.22 in 2024; short-term debt: 63.6% and cash: 48.2% of total assets), but 63.6% 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○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
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
36.4%
Return on assets
12.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €60k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
31 d late
2023
68 d late
2022
31 d late
2021
30 d late
2020
216 d late
2019
27 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 51.8%
2024 · €39k
2018: €6k
2019: €3k
2020: €5k
2021: €5k
2022: €7k
2023: €3k
2024: €39k
2018 → 2025
Total assets
€164k▼ 23.6%
2024 · €215k
2018: €6k
2019: €7k
2020: €6k
2021: €7k
2022: €11k
2023: €43k
2024: €215k
2018 → 2025
Net result
€20k▼ 43.6%
2024 · €36k
2018: €-7k
2019: €-3k
2020: €2k
2021: €237
2022: €2k
2023: €-4k
2024: €36k
2018 → 2025
Working capital
€60k▲ 51.8%
2024 · €39k
2018: €4k
2019: €1k
2020: €4k
2021: €4k
2022: €8k
2023: €39k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€7k▲ 31.2%€3k▼ 55.9%€39k▲ 1,144%€60k▲ 51.8%
Operating result€606-€2k▲ 293%€-4k€53k€33k▼ 38.5%
Net result€237-€2k▲ 623%€-4k€36k€20k▼ 43.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €164k
Equity
€60k▲ 51.8%
Debt
€104k▼ 40.5%
The debt ratio falls from 81.7% to 63.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €54k
Cash flow
€20k▼
2024 · €37k
Solvency
36.4%▲
2024 · 18.3%
Current ratio
1.57▲
2024 · 1.22
Quick ratio
1.57▲
2024 · 1.22
Debt / equity
1.74▼
2024 · 4.45
ROE
34.1%▼
2024 · 92.0%
ROA
12.4%▼
2024 · 16.9%
Interest coverage
44.95▼
2024 · 103.53
Debt
€104k▼
2024 · €176k
Debt ≤ 1 year
€104k▼
2024 · €176k
Income taxes
€12k▼
2024 · €16k
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€215k€164k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€215k€164k▼
Amounts receivable within one year40/41€152k€77k▼
Trade receivables40€78k€10k▼
Other amounts receivable41€74k€67k▼
Cash at bank and in hand54/58€63k€79k▲
Deferred charges and accrued income490/1-€8k
Equity and liabilities
Total equity and liabilities10/49€215k€164k▼
Equity10/15€39k€60k▲
Contributions10/11€19k€19k=
Reserves13€21k€41k▲
Distributable reserves133€21k€41k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€176k€104k▼
Amounts payable within one year42/48€176k€104k▼
Trade debts44€137k€70k▼
Suppliers440/4€137k€70k▼
Taxes, remuneration and social security45€24k€33k▲
Taxes450/3€24k€33k▲
Other amounts payable47/48€15k€2k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€516€0▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€56k€34k▼
Operating profit (loss)9901€53k€33k▼
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€518€727▲
Recurring financial charges65€518€727▲
Profit (loss) for the period before taxes9903€53k€32k▼
Income taxes67/77€16k€12k▼
Profit (loss) for the period9904€36k€20k▼
Profit (loss) for the period to be appropriated9905€36k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€20k▼
Profit (loss) brought forward from the previous period14P€-15k€0▲
Transfer to equity691/2€21k€20k▼
To other reserves6921€21k€20k▼
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Back to profitnet €36k
Net result €36k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 12.73
Current ratio from 6.13 to 12.73.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 216 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 6.37
Current ratio from 1.41 to 6.37; short-term debt falls from €3k to €755.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lochristi · 1 establishment unit since 2012
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.
Antwerpse Steenweg 199080 LochristiGround area
3,359 m²
Building footprint
1,769 m²
Volume, LiDAR
17,177 m³
Parcel 44034C1000/00M000, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
THE HOUSE FRIEND
since 20122.211.562.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C1000/00M000 | Flanders | 3,359 m² | 1 · 1,769 m² | 13.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,904 EUR awarded · 3,949 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,286 EUR | 1,286 EUR |
| 2024 | 1 | 918 EUR | 918 EUR |
| 2023 | 1 | 1,095 EUR | 1,140 EUR |
| 2022 | 1 | 605 EUR | 605 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,749 companies in sector 68310 we hold annual accounts for 6,907. 4,991 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2012
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
81100Combined facilities support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.