Thuisconstruct
ActiveThuisconstruct has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €101k and a net result of €27k. Equity is growing by ~19.5% per year across the filed fiscal years. Its solvency ranks better than 34% of 9716 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability48▲+28
Solvency41▼-2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 1.21 in 2023; short-term debt: 83.8% and cash: 0.1% of total assets), and 83.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
16.2%
Return on assets
4.4%
Age of the figures
21 mo
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 04-06-2025, 57 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
57 d early
2023
31 d early
2022
31 d early
2021
46 d early
2020
17 d early
2019
7 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€101k▲ 37.0%
2023 · €74k
2018: €35k
2019: €38k
2020: €42k
2021: €98k
2022: €102k
2023: €74k
2018 → 2024
Total assets
€626k▲ 49.6%
2023 · €419k
2018: €801k
2019: €369k
2020: €509k
2021: €537k
2022: €501k
2023: €419k
2018 → 2024
Net result
€27k
2023 · €-29k
2018: €29k
2019: €3k
2020: €4k
2021: €56k
2022: €5k
2023: €-29k
2018 → 2024
Working capital
€101k▲ 37.0%
2023 · €74k
2018: €286k
2019: €38k
2020: €39k
2021: €95k
2022: €102k
2023: €74k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€42k-€98k▲ 134%€102k▲ 4.9%€74k▼ 27.9%€101k▲ 37.0%
Operating result€7k-€94k▲ 1,191%€19k▼ 79.3%€-6k€52k
Net result€4k-€56k▲ 1,343%€5k▼ 91.4%€-29k€27k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €52k after a loss of €6k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €626k
Equity
€101k▲ 37.0%
Debt
€525k▲ 52.3%
The debt ratio rises from 82.4% to 83.8%. Equity and debt are higher.
Key figures and ratios
Solvency
16.2%▼
2023 · 17.6%
Current ratio
1.19▼
2023 · 1.21
Quick ratio
0.47▲
2023 · 0.14
Debt / equity
5.19▲
2023 · 4.67
ROE
27.0%▲
2023 · -38.6%
ROA
4.4%▲
2023 · -6.8%
Debt
€525k▲
2023 · €345k
Debt ≤ 1 year
€525k▲
2023 · €345k
Income taxes
€7k▼
2023 · €20k
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€419k€626k▲
Current assets29/58€419k€626k▲
Stocks and contracts in progress3€370k€378k▲
Stocks30/36€370k€378k▲
Amounts receivable within one year40/41€45k€248k▲
Trade receivables40€9k€7k▼
Other amounts receivable41€37k€240k▲
Cash at bank and in hand54/58€1k€539▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€419k€626k▲
Equity10/15€74k€101k▲
Contributions10/11€6k€6k=
Reserves13€68k€95k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€66k€93k▲
Amounts payable17/49€345k€525k▲
Amounts payable within one year42/48€345k€525k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€40k€106k▲
Suppliers440/4€40k€106k▲
Taxes, remuneration and social security45€14k€43k▲
Taxes450/3€14k€43k▲
Other amounts payable47/48€291k€373k▲
Income statement
Code20232024
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€0€3k▲
Gross operating margin9900€-4k€57k▲
Operating profit (loss)9901€-6k€52k▲
Financial charges65/66B€3k€17k▲
Recurring financial charges65€3k€17k▲
Profit (loss) for the period before taxes9903€-9k€34k▲
Income taxes67/77€20k€7k▼
Profit (loss) for the period9904€-29k€27k▲
Profit (loss) for the period to be appropriated9905€-29k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€27k▲
Transfer from equity791/2€29k€0▼
Transfer to equity691/2€0€27k▲
To other reserves6921€0€27k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €100kEq €101k ▲37%
Equity rises from €74k to €101k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-29k ▼693%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €102k ▲4.9%
5 profitable years in a row build equity to €102k.
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €56k ▲1343%
Operating result €94k, net result €56k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Schelle · 1 establishment unit since 2017
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.
Provinciale Steenweg 3622627 SchelleGround area
2,914 m²
Building footprint
160 m²
Volume, LiDAR
679 m³
Parcel 11038A0352/00H000, Flanders · tallest building 4.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Thuisconstruct
since 20172.266.462.507
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038A0352/00H000 | Flanders | 2,914 m² | 1 · 160 m² | 4.6 m · 1 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
Y&S
BE 0788.672.158
Wervik · Eq €101k
BARAK
BE 0751.882.632
Leuven · Eq €101k
CHOFIMMO
BE 0881.403.762
Wemmel · Eq €101k
WY NOT
BE 0795.434.939
Rumst · Eq €101k
AG²F CONSTRUCT
BE 1001.592.603
Chièvres · Eq €101k
Of 9,695 companies in sector 68121 we hold annual accounts for 7,383. 5,303 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2017
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.