YOUR HOME
ActiveYOUR HOME has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.01M and a net result of €56k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 64% of 9150 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-14
Solvency73▼-11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 6.17 against 4.87 in 2024; short-term debt: 7.2% and cash: 12.3% of total assets), but 51.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
48.2%
Return on assets
2.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
7 d early
2023
26 d early
2022
32 d early
2021
4 d late
2020
50 d early
2019
52 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.01M▲ 5.9%
2024 · €957k
2018: €268k
2019: €377k
2020: €532k
2021: €676k
2022: €801k
2023: €912k
2024: €957k
2018 → 2025
Total assets
€2.10M▲ 29.9%
2024 · €1.62M
2018: €450k
2019: €837k
2020: €979k
2021: €1.20M
2022: €1.19M
2023: €1.36M
2024: €1.62M
2018 → 2025
Net result
€56k▲ 24.4%
2024 · €45k
2018: €28k
2019: €169k
2020: €155k
2021: €224k
2022: €125k
2023: €111k
2024: €45k
2018 → 2025
Working capital
€781k▲ 2.8%
2024 · €759k
2018: €141k
2019: €287k
2020: €446k
2021: €588k
2022: €713k
2023: €759k
2024: €759k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€676k-€801k▲ 18.5%€912k▲ 13.9%€957k▲ 5.0%€1.01M▲ 5.9%
Operating result€324k-€187k▼ 42.2%€172k▼ 7.8%€69k▼ 59.9%€99k▲ 42.6%
Net result€224k-€125k▼ 44.1%€111k▼ 11.1%€45k▼ 59.4%€56k▲ 24.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 43% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.10M
Fixed assets
€1.17M▲ 76.5%
Current assets
€932k▼ 2.5%
Equity and liabilities €2.10M
Equity
€1.01M▲ 5.9%
Debt
€1.09M▲ 64.6%
The debt ratio rises from 40.9% to 51.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€147k▲
2024 · €118k
Cash flow
€104k▲
2024 · €94k
Solvency
48.2%▼
2024 · 59.1%
Current ratio
6.17▲
2024 · 4.87
Quick ratio
4.75▲
2024 · 3.98
Debt / equity
1.07▲
2024 · 0.69
ROE
5.5%▲
2024 · 4.7%
ROA
2.7%▼
2024 · 2.8%
Interest coverage
4.15▼
2024 · 5.83
Debt
€1.09M▲
2024 · €662k
Debt ≤ 1 year
€151k▼
2024 · €196k
Debt > 1 year
€938k▲
2024 · €465k
Income taxes
€23k▲
2024 · €18k
Staff costs
€181k▼
2024 · €219k
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€1.62M€2.10M▲
Fixed assets21/28€663k€1.17M▲
Intangible fixed assets21€13k€9k▼
Tangible fixed assets22/27€618k€1.13M▲
Land and buildings22€69k€60k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€79k€54k▼
Leasing and similar rights25€27k€19k▼
Assets under construction and advance payments27€437k€992k▲
Financial fixed assets28€31k€31k=
Current assets29/58€956k€932k▼
Stocks and contracts in progress3€175k€214k▲
Stocks30/36€175k€214k▲
Amounts receivable within one year40/41€520k€447k▼
Trade receivables40€81k€17k▼
Other amounts receivable41€439k€430k▼
Cash at bank and in hand54/58€253k€258k▲
Deferred charges and accrued income490/1€8k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.62M€2.10M▲
Equity10/15€957k€1.01M▲
Contributions10/11€19k€19k=
Reserves13€939k€995k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€7k€7k=
Distributable reserves133€932k€988k▲
Amounts payable17/49€662k€1.09M▲
Amounts payable after more than one year17€465k€938k▲
Financial debts170/4€465k€938k▲
Amounts payable within one year42/48€196k€151k▼
Current portion of amounts payable after more than one year42€44k€38k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€73k€77k▲
Suppliers440/4€73k€77k▲
Taxes, remuneration and social security45€79k€32k▼
Taxes450/3€43k€12k▼
Remuneration and social security454/9€36k€20k▼
Other amounts payable47/48€804€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0€20k▲
Remuneration, social security and pensions62€219k€181k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€48k▼
Other operating charges640/8€7k€6k▼
Gross operating margin9900€344k€334k▼
Operating profit (loss)9901€69k€99k▲
Financial income75/76B€14k€16k▲
Recurring financial income75€14k€16k▲
Financial charges65/66B€20k€35k▲
Recurring financial charges65€20k€35k▲
Profit (loss) for the period before taxes9903€63k€79k▲
Income taxes67/77€18k€23k▲
Profit (loss) for the period9904€45k€56k▲
Transfer from tax-exempt reserves789€0-
Profit (loss) for the period to be appropriated9905€45k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€56k▲
Transfer to equity691/2€45k€56k▲
To other reserves6921€45k€56k▲
Social balance
Average headcount (FTE)90873.42.6▼
The notes to these accounts (21 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
25-03
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 26/02/2026
- Registered-office move, 8791 Waregem (Beveren-Leie), Kortrijkseweg 139
2025
31-12
Financial
Equity above €1MEq €1.01M ▲5.9%
8 profitable years in a row build equity to €1.01M.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2021
31-12
Financial
Highest result since 2018net €224k ▲44.6%
Operating result €324k, net result €224k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €532k ▲41.2%
3 profitable years in a row build equity to €532k.
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Waregem · 1 establishment unit since 2004
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.
Kortrijkseweg 1398791 WaregemGround area
1,176 m²
Building footprint
601 m²
Volume, LiDAR
1,491 m³
2 parcels, Flanders · tallest building 11.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Your Home
since 20042.142.113.257
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34006A0286/00Z000 | Flanders | 644 m² | 1 · 302 m² | - |
| 34006B0319/00R000 | Flanders | 532 m² | 1 · 299 m² | 11.8 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 · 3,633 EUR awarded · 3,723 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 33 EUR | 33 EUR |
| 2024 | 1 | 0 EUR | 2,250 EUR |
| 2023 | 1 | 0 EUR | 1,440 EUR |
| 2022 | 1 | 3,600 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
2 categoriesYOUR HOME BV35377
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TST INVEST
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INVEST J.D.R.
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Of 9,697 companies in sector 68121 we hold annual accounts for 7,382. 3,899 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2004
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
70111
43990Other specialised construction activities
43999Specialised construction activities
45250
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70120
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.