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V&D HABITAT

Active
Private limited companyfounded 2004active for 22 yearsRue Reine Elisabeth 1, 1480 Tubize, BelgiumKBO/BCE: BE 0864.608.708
Summary

V&D HABITAT has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131,870 and a net result of -€2,112. Equity has been growing by about 4.2% per year since 2018. Its solvency ranks better than 95% of 9,394 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 1.5% (low).

Overview

Official details

Source: KBO
Status
Active since 08-04-2004 Normal situation
Activity
General construction of residential buildings NACE 41001and 1 other
Joint committee
124 Paritair Comité voor het bouwbedrijf · annual accounts 2025
Establishment unit
2.146.958.507 1480 Tubize, since 08-04-2004
Financial year end
31 December
Peppol
Reachable

Board and ownership

Board

Financial position

64 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.5%
Annual accounts 2025
Gross margin
-€2,593
▲ 88.7%
Loss
€2,112
▼ 91.9%
Equity
€131,870
▼ 1.6%
Total assets
€134,487
▼ 14.8%
  • 2025 accounts filed 83 days after the deadline
Score breakdownraises riskLast filed accounts filed 83 days late; 3 of the last 3 accounts lateSector: Construction of residential and non-residential buildings (NACE 41)Size: total assets €134,487lowers riskFounded in 2004Show the evidence

Checked score

Score 2025
64 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 49% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Average
Solvency 100=
equity 98.1% of total assets
Liquidity 51+2
short-term debt 1.9% · cash 0.9%
Profitability 17+17
return on assets -1.6%
Bankruptcy probability within 12 months
1.5% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 12-2024: 1.1% 01-2025: 1.1%● unchanged vs 12-2024 02-2025: 1.1%● unchanged vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025 05-2025: 1.0%▼ -0.1 percentage points vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025lowest value 07-2025: 1.2%▲ +0.2 percentage points vs 06-2025 08-2025: 1.4%▲ +0.2 percentage points vs 07-2025 09-2025: 1.5%▲ +0.1 percentage points vs 08-2025 10-2025: 1.9%▲ +0.4 percentage points vs 09-2025 11-2025: 1.9%● unchanged vs 10-2025 12-2025: 2.9%▲ +1.0 percentage point vs 11-2025 01-2026: 2.9%● unchanged vs 12-2025 02-2026: 2.9%● unchanged vs 01-2026 03-2026: 2.9%● unchanged vs 02-2026 04-2026: 2.9%● unchanged vs 03-2026 05-2026: 2.7%▼ -0.2 percentage points vs 04-2026 06-2026: 2.7%● unchanged vs 05-2026 07-2026: 2.7%● unchanged vs 06-2026 08-2026: 3.0%▲ +0.3 percentage points vs 07-2026highest value 09-2026: 2.9%▼ -0.1 percentage points vs 08-2026 10-2026: 1.5%▼ -1.4 percentage points vs 09-2026 11-2026: 1.5%● unchanged vs 10-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 51.25 (6.52 in 2024), above the usual 1.5. Short-term debt is 1.9% and cash 0.9% of total assets. 1.9% of the assets are financed with debt and provisions.
Calculation

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 41, micro). It does better than 92% of them on solvency, 54% on liquidity, 16% on profitability and 33% on growth.

The bankruptcy probability was computed on 02-11-2026 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.

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).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises risk
raises risk · Last filed accounts filed 83 days late; 3 of the last 3 accounts late
NBB · filings
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
lowers risk · Founded in 2004
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Size: total assets €134,487
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,112
raises risk · 2025 accounts filed 83 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-10-2026, 83 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
83 days late
2024
92 days late
2023
91 days late
2022
91 days late
2021
78 days late
2020
89 days late
2019
122 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 92 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 October (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 95% of companies in construction of buildingssector median 42.9% · 9,394 companies 98.1% View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€2,112 View

Recent changes

  1. · Gazette deed Capital & shares · Amendment of the articles · Legal-form change · Resignations & appointmentsReappointment: VENTI Vincenzo (director) · Resignation: VENTI Vincenzo (director)
  2. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as V&D HABITAT: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €122,000 and €149,000, founded between 2000 and 2006.

CompanyTotal assetsGross margin
V&D HABITAT Tubize€134,487-€2,593
ELLIMAC DEVELOPMENT Waterloo€145,205-€20,293
VANBAELEN JC Wavre€125,143-€2,338
IMMO DELIJA CONSTRUCTIONS Braine-l'Alleud€149,039€214
BOUWONDERNEMING CORDIER Ternat€134,746-€5,690
DEMEULENAERE Oostkamp€137,614-€2,140
VEREECKEN Kontich€122,384-€10,537
Full comparison

Key facts about V&D HABITAT

What is the company number of V&D HABITAT?
The company number of V&D HABITAT is 0864.608.708. The VAT number is the same number with BE in front: BE 0864.608.708.
Where is V&D HABITAT based?
The registered office is at Rue Reine Elisabeth 1, 1480 Tubize.Company details
What does V&D HABITAT do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of V&D HABITAT?
The legal form of V&D HABITAT is Private limited company (BV).
When was V&D HABITAT founded?
V&D HABITAT was founded on 08-04-2004.
Is V&D HABITAT still active?
Yes, V&D HABITAT is an active enterprise in the KBO register.
How many employees does V&D HABITAT have?
V&D HABITAT had an average of 0.8 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
Which joint committee does V&D HABITAT fall under?
In its 2025 annual accounts, V&D HABITAT states joint committee 124 (Paritair Comité voor het bouwbedrijf).
What is the turnover of V&D HABITAT?
The annual accounts for financial year 2025 state no turnover.
Is V&D HABITAT profitable?
In financial year 2025, V&D HABITAT made a loss of €2,112.
Where can I find the annual accounts of V&D HABITAT?
V&D HABITAT filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of V&D HABITAT due?
V&D HABITAT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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