Turnover
The accounts state no turnover.
The accounts state no turnover.
Of this, €1.4m falls due within a year.
The last five annual accounts were filed 31 to 57 days before the end of the period.
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 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 68, micro). It does better than 29% of them on solvency, 11% on liquidity, 38% on profitability and 84% on growth.
The bankruptcy probability was computed on 08-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,603 companies had the same profile as Thuisconstruct has now. Each dot stands for 5 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Thuisconstruct itself: 0.6% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,603 companies, not a prediction for Thuisconstruct. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is tight, with a current ratio of 1.37 (1.19 in 2024), below the usual 1.5. Short-term debt is 73.1% and cash 0.1% of total assets. 92.2% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 32 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| Thuisconstruct Schelle | €1.9m | €67,762 | 7.8% | 0 |
| MOSA INVEST Maasmechelen | €1.4m | €62,002 | -12.7% | 0 |
| Scheldezicht Oudenaarde | €2.4m | €54,566 | -9.4% | 0 |
| DR3 BUILD Brasschaat | €2.0m | €88,330 | 4.7% | 0 |
| WASTI Mechelen | €2.1m | €29,983 | -14.7% | 0 |
| LOEMAN WONINGBOUW Waasmunster | €1.3m | €60,441 | 23.3% | 0 |
| EMG & co Maasmechelen | €1.3m | €63,798 | 23.5% | 0 |
These companies have the same main activity as Thuisconstruct: development of residential building projects (NACE 68121). They are comparable in size and age: total assets between €1.3m and €2.4m, founded between 2014 and 2019.
Thuisconstruct files the abbreviated format. That format states no turnover. The gross margin rose from €55,039 in 2018 to €67,762 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €180,000. Estimated: probably between €92,000 and €420,000.
Higher than 27% of 11,299 companies in 2025.
Higher than 57% of 10,851 companies in 2025.
Higher than 61% of 11,184 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter · Staff: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||
20/58 |
1.9m | 626,397 | 418,675 | 500,951 | 537,395 | 508,627 | 369,099 | 800,765 | |
21/28 |
- | - | - | 0 | 2,400 | 2,400 | - | - | |
28 |
- | - | - | 0 | 2,400 | 2,400 | - | - | |
29/58 |
1.9m | 626,397 | 418,675 | 500,951 | 534,995 | 506,227 | 369,099 | 800,765 | |
3 |
1.5m | 378,113 | 370,130 | 80,743 | 236,099 | 419,878 | 189,498 | 741,172 | |
30/36 |
1.5m | 378,113 | 370,130 | 80,743 | 236,099 | 419,878 | 189,498 | 741,172 | |
40/41 |
336,991 | 247,745 | 45,246 | 143,575 | 73,637 | 79,056 | 85,719 | 53,961 | |
40 |
0 | 7,395 | 8,638 | 38,849 | 73,637 | 64,056 | 64,403 | 53,959 | |
41 |
336,991 | 240,350 | 36,608 | 104,726 | 0 | 15,000 | 21,316 | 2 | |
54/58 |
1,039 | 539 | 1,431 | 273,951 | 224,303 | 4,821 | 93,882 | 5,631 | |
490/1 |
- | 0 | 1,867 | 2,682 | 956 | 2,473 | - | - | |
| Balance sheet: equity and liabilities | |||||||||
10/49 |
1.9m | 626,397 | 418,675 | 500,951 | 537,395 | 508,627 | 369,099 | 800,765 | |
10/15 |
144,051 | 101,183 | 73,853 | 102,372 | 97,566 | 41,637 | 37,760 | 34,744 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | |
13 |
137,851 | 94,983 | 67,653 | 96,172 | 91,366 | 35,437 | 31,560 | 28,544 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | |
133 |
135,991 | 93,123 | 65,793 | 94,312 | 89,506 | 33,577 | 29,700 | 26,684 | |
17/49 |
1.7m | 525,215 | 344,822 | 398,579 | 439,829 | 466,990 | 331,338 | 766,021 | |
17 |
355,000 | - | - | - | - | - | - | 251,559 | |
170/4 |
355,000 | - | - | - | - | - | - | 251,559 | |
42/48 |
1.4m | 525,215 | 344,822 | 398,579 | 439,829 | 466,990 | 331,338 | 514,462 | |
42 |
0 | 3,393 | - | - | - | - | - | - | |
43 |
1.2m | - | - | - | 0 | 60,000 | - | - | |
430/8 |
1.2m | - | - | - | 0 | 60,000 | - | - | |
44 |
202,703 | 106,097 | 39,689 | 141,193 | 3,897 | 32,984 | 55,521 | 406,220 | |
440/4 |
202,703 | 106,097 | 39,689 | 141,193 | 3,897 | 32,984 | 55,521 | 406,220 | |
45 |
960 | 42,981 | 14,029 | 18,927 | 297,952 | 286,236 | 233,467 | 92,790 | |
450/3 |
960 | 42,981 | 14,029 | 18,927 | 297,952 | 286,236 | 233,467 | 92,790 | |
47/48 |
0 | 372,744 | 291,105 | 238,459 | 137,980 | 87,770 | 42,350 | 15,452 | |
| Income statement | |||||||||
9900 |
67,762 | 56,890 | -4,456 | 65,504 | 123,654 | 37,169 | 11,537 | 55,039 | |
640/8 |
220 | 2,437 | 1,203 | 550 | 1,691 | 1,519 | 198 | 203 | |
66A |
1,047 | 2,935 | 0 | 45,507 | 27,899 | 28,362 | - | - | |
9901 |
66,495 | 51,518 | -5,659 | 19,448 | 94,063 | 7,287 | 11,339 | 54,836 | |
75/76B |
- | - | - | 0 | 20 | 612 | 12 | 25 | |
75 |
- | - | - | 0 | 20 | 612 | 12 | 25 | |
65/66B |
8,022 | 17,259 | 3,171 | 12,892 | 24,172 | 3,165 | 6,981 | 11,684 | |
65 |
8,022 | 17,259 | 3,171 | 12,892 | 24,172 | 3,165 | 6,981 | 11,684 | |
9903 |
58,474 | 34,259 | -8,830 | 6,556 | 69,911 | 4,735 | 4,370 | 43,176 | |
67/77 |
15,605 | 6,929 | 19,689 | 1,750 | 13,982 | 858 | 1,353 | 14,632 | |
9904 |
42,869 | 27,330 | -28,519 | 4,806 | 55,929 | 3,877 | 3,017 | 28,544 | |
9905 |
42,869 | 27,330 | -28,519 | 4,806 | 55,929 | 3,877 | 3,017 | 28,544 | |
| Appropriation of the result | |||||||||
9906 |
42,869 | 27,330 | -28,519 | 4,806 | 55,929 | 3,877 | 3,017 | 28,544 | |
791/2 |
- | 0 | 28,519 | - | - | - | - | - | |
691/2 |
42,869 | 27,330 | 0 | 4,806 | 55,929 | 3,877 | 3,017 | 28,544 | |
6920 |
- | - | - | - | - | - | - | 1,860 | |
6921 |
42,869 | 27,330 | 0 | 4,806 | 55,929 | 3,877 | 3,017 | 26,684 | |
| Social balance sheet | |||||||||
9087 |
0 | 0 | 0 | - | - | - | - | - | |
| Document | |||||||||
The notes to these accounts have 18 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 23-06-2026 | 2026-00186957 | |
| 31-12-2024 | abbreviated format | 04-06-2025 | 2025-00116858 | |
| 31-12-2023 | abbreviated format | 30-06-2024 | 2024-00183702 | |
| 31-12-2022 | abbreviated format | 30-06-2023 | 2023-00180181 | |
| 31-12-2021 | abbreviated format | 15-06-2022 | 2022-20064038 | |
| 31-12-2020 | abbreviated format | 14-07-2021 | 2021-35700386 | |
| 31-12-2019 | abbreviated format | 24-07-2020 | 2020-34100093 | |
| 31-12-2018 | micro format | 25-07-2019 | 2019-39000474 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| 0 | - | - | - | - | 2,400 | - | - | ||
| 500 | -892 | -272,520 | 49,648 | 219,482 | -89,061 | 88,251 | - | ||
| 499,051 | 101,183 | 73,853 | 102,372 | 95,166 | 39,237 | 37,760 | 286,302 | ||
| 7.8% | 16.2% | 17.6% | 20.4% | 18.2% | 8.2% | 10.2% | 4.3% | ||
| 1.37 | 1.19 | 1.21 | 1.26 | 1.22 | 1.08 | 1.11 | 1.56 | ||
| 0.25 | 0.47 | 0.14 | 1.05 | 0.68 | 0.18 | 0.54 | 0.12 | ||
| 11.86 | 5.19 | 4.67 | 3.89 | 4.51 | 11.22 | 8.77 | 22.05 | ||
| 29.8% | 27.0% | -38.6% | 4.7% | 57.3% | 9.3% | 8.0% | 82.2% | ||
| 2.3% | 4.4% | -6.8% | 1.0% | 10.4% | 0.8% | 0.8% | 3.6% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Financial fixed assets | €0 | - | - | - | - |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 29% higher than in 2024 and the highest since 2021. It is the second rise in a row, after the fall in 2023.
Debt's share of the balance-sheet total rises from 83.8% to 92.2%. Equity and debt are higher.
Source: lists of holdings in the owners' accounts
Thuisconstruct has no parent and no holdings in its annual accounts.
| Loft Business Group
registered office since 18-02-2008 · founded in 2008 |
total assets €2.0m (2025) 0895.837.263 |
| HUIS 3.6.9
registered office since 27-11-2015 · founded in 2015 · negative equity (2025) |
total assets €1.6m (2025) 0643.585.694 |
| ILARCO
registered office since 19-11-2014 · founded in 2014 |
total assets €1.1m (2025) 0565.952.537 |
| INPROVA
registered office since 10-02-2017 · founded in 2017 · negative equity (2025) |
5 FTE (2025) 0670.958.403 |
| COPROVEST
registered office since 28-09-2021 · founded in 2021 |
total assets €663,849 (2025) 0774.650.512 |
| LOUISETTE
registered office since 07-06-2016 · founded in 2016 |
total assets €407,682 (2025) 0655.976.356 |
| HOPAVEST via LOFT BUSINESS GROUP, no longer at HOPAVEST · Director · deed of 15-07-2024 No longer active · founded in 2015 |
total assets €934,581 (2025) |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Provinciale Steenweg 362 registered office 2627 Schelle | 11-05-2017 | 2.266.462.507 |
| 17-12-2024 | Granted | Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 30-09-2024 · project 2024129881 | Niel |
| 30-05-2024 | Discontinued | Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 02-04-2024 · project 2024038280 | Niel |
| 28-08-2023 | Granted | Bouwen of herbouwen; Slopen van niet vrijstaande gebouwen of constructies; Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden submitted 11-05-2023 · project 2023053918 | Schelle |
| 14-02-2023 | Granted | Bouwen of herbouwen; Slopen van niet vrijstaande gebouwen of constructies submitted 04-11-2022 · project 2022139565 | Niel |
| 26-05-2020 | Granted | Bouwen of herbouwen; Nieuwbouw van bijgebouwen, niet-overdekte lage constructies en andere handelingen; Verwijderen van vrijstaande gebouwen submitted 24-12-2019 · project 2019160670 | Puurs-Sint-Amands |
| 04-11-2019 | Refused | Bouwen of herbouwen; Nieuwbouw van bijgebouwen en niet overdekte lage constructie; Verwijderen van vrijstaande gebouwen submitted 04-06-2019 · project 2019069403 | Puurs-Sint-Amands |
Source: Omgevingsloket Vlaanderen.
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 11038A0352/00H000 | 2,914 m² | 1 · 160 m² | 4.6 m · 1 |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0675.640.236
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