BINHÔME
ActiveBINHÔME has been active since 1906 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54.02M and a net result of €922k. Equity is growing by ~8.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
62
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+1
Solvency34=
Growth76▼-2
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.9M at 30 days acceptable
Liquidity short (current ratio 0.59 against 0.64 in 2024), and 72.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 · 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
27.3%
Return on assets
0.5%
Age of the figures
8 mo
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
27 d early
2023
2 d early
2022
3 d early
2021
12 d early
2020
37 d early
2019
46 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, unclassified schema
Turnover
€19.14M▲ 8.0%
2024 · €17.73M
2018: €12.08M
2021: €13.55M
2023: €16.30M
2024: €17.73M
2018 → 2025
EBIT margin
-1.5%▲ 1.0pp
2024 · -2.5%
2018: -2.5%
2021: 0.2%
2023: -2.2%
2024: -2.5%
2018 → 2025
Net result
€922k▲ 17.1%
2024 · €787k
2018: €127k
2021: €373k
2023: €161k
2024: €787k
2018 → 2025
Working capital
€-13.98M▼ 22.2%
2024 · €-11.44M
2018: €-11.12M
2021: €-12.61M
2023: €-12.53M
2024: €-11.44M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20182021202320242025Trend
Turnover€12.08M-€13.55M▲ 12.2%€16.30M▲ 20.3%€17.73M▲ 8.8%€19.14M▲ 8.0%
Equity€31.61M-€33.76M▲ 6.8%€46.97M▲ 39.1%€51.03M▲ 8.6%€54.02M▲ 5.9%
Operating result€-304k-€27k€-353k€-440k▼ 24.7%€-286k▲ 35.1%
Net result€127k-€373k▲ 194%€161k▼ 56.7%€787k▲ 388%€922k▲ 17.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €286k in 2025 against €440k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198.07M
Fixed assets
€178.19M▲ 5.8%
Current assets
€19.88M▼ 2.1%
Equity and liabilities €198.07M
Equity
€54.02M▲ 5.9%
Provisions
€4.93M▲ 1.4%
Debt
€139.12M▲ 4.7%
The debt ratio falls from 70.4% to 70.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€7.66M▲
2024 · €5.92M
Cash flow
€8.87M▲
2024 · €7.15M
Solvency
27.3%▲
2024 · 27.0%
Current ratio
0.59▼
2024 · 0.64
Quick ratio
0.58▼
2024 · 0.63
Debt / equity
2.58▼
2024 · 2.60
ROE
1.7%▲
2024 · 1.5%
ROA
0.5%▲
2024 · 0.4%
Interest coverage
5.19▲
2024 · 4.39
Debt
€139.12M▲
2024 · €132.85M
Debt ≤ 1 year
€33.86M▲
2024 · €31.75M
Debt > 1 year
€105.18M▲
2024 · €100.87M
Staff costs
€7.08M▲
2024 · €6.43M
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€188.74M€198.07M▲
Fixed assets21/28€168.44M€178.19M▲
Intangible fixed assets21€72k€44k▼
Tangible fixed assets22/27€168.36M€178.14M▲
Land and buildings22€125.96M€167.94M▲
Plant, machinery and equipment23€54k€61k▲
Furniture and vehicles24€110k€126k▲
Other tangible fixed assets26€1k€762▼
Assets under construction and advance payments27€42.23M€10.01M▼
Financial fixed assets28€3k€3k=
Other financial fixed assets284/8€3k€3k=
Amounts receivable and cash guarantees285/8€3k€3k=
Current assets29/58€20.30M€19.88M▼
Stocks and contracts in progress3€294k€247k▼
Stocks30/36€294k€247k▼
Raw materials and consumables30/31€294k€247k▼
Amounts receivable within one year40/41€9.38M€8.77M▼
Trade receivables40€2.52M€1.12M▼
Other amounts receivable41€6.86M€7.64M▲
Cash at bank and in hand54/58€10.42M€10.63M▲
Deferred charges and accrued income490/1€212k€237k▲
Equity and liabilities
Total equity and liabilities10/49€188.74M€198.07M▲
Equity10/15€51.03M€54.02M▲
Contributions10/11€123k€123k=
Revaluation surpluses12€509k€509k=
Reserves13€1.93M€2.17M▲
Non-distributable reserves130/1€42k€42k=
Reserves not available under the articles1311€14k€14k=
Other1319€28k€28k=
Tax-exempt reserves132€380k€380k=
Distributable reserves133€1.50M€1.75M▲
Profit (loss) carried forward14€-6.94M€-6.27M▲
Investment grants15€55.41M€57.48M▲
Provisions and deferred taxes16€4.86M€4.93M▲
Provisions for liabilities and charges160/5€1.85M€1.81M▼
Major repairs and maintenance162€1.79M€1.75M▼
Other liabilities and charges164/5€65k€65k=
Deferred taxes168€3.01M€3.12M▲
Amounts payable17/49€132.85M€139.12M▲
Amounts payable after more than one year17€100.87M€105.18M▲
Other amounts payable178/9€100.87M€105.18M▲
Amounts payable within one year42/48€31.75M€33.86M▲
Current portion of amounts payable after more than one year42€3.94M€4.08M▲
Financial debts43€22.30M€23.74M▲
Credit institutions430/8€22.30M€23.74M▲
Trade debts44€2.43M€4.17M▲
Suppliers440/4€2.43M€4.17M▲
Taxes, remuneration and social security45€1.37M€1.49M▲
Taxes450/3€595k€527k▼
Remuneration and social security454/9€772k€963k▲
Other amounts payable47/48€1.71M€380k▼
Accrued charges and deferred income492/3€237k€74k▼
Income statement
Code20242025
Operating income70/76A€22.72M€24.46M▲
Turnover70€17.73M€19.14M▲
Own construction capitalised72€0€181k▲
Other operating income74€4.91M€5.09M▲
Non-recurring operating income76A€81k€38k▼
Operating charges60/66A€23.16M€24.74M▲
Goods for resale, raw materials and consumables60€198k€381k▲
Purchases600/8€295k€334k▲
Change in stocks: decrease (increase)609€-97k€48k▲
Services and other goods61€6.64M€7.36M▲
Remuneration, social security and pensions62€6.43M€7.08M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6.36M€7.95M▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€338k€-219k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-11k€-41k▼
Other operating charges640/8€3.21M€2.23M▼
Non-recurring operating charges66A€75€6k▲
Operating profit (loss)9901€-440k€-286k▲
Financial income75/76B€2.46M€2.56M▲
Recurring financial income75€2.46M€2.56M▲
Income from current assets751€190k€216k▲
Other financial income752/9€2.27M€2.34M▲
Financial charges65/66B€1.36M€1.48M▲
Recurring financial charges65€1.36M€1.48M▲
Debt charges650€1.35M€1.48M▲
Other financial charges652/9€8k€4k▼
Profit (loss) for the period before taxes9903€665k€793k▲
Transfer from deferred taxes780€122k€128k▲
Transfer to deferred taxes680-€0
Profit (loss) for the period9904€787k€922k▲
Profit (loss) for the period to be appropriated9905€787k€922k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6.78M€-6.02M▲
Profit (loss) brought forward from the previous period14P€-7.57M€-6.94M▲
Transfer to equity691/2€160k€245k▲
To other reserves6921€160k€245k▲
Social balance
Average headcount (FTE)908785.193.3▲
The notes to these accounts (66 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
04-08
State Gazette act
Resignations & appointmentsBoard meeting · Director appointment3 facts ▸
State Gazette act
Resignations & appointments
Board meeting · Director appointment3 facts ▸
- Board meeting, 22/06/2026
- Director appointment, Emmanuel DE BOCK (Président)
- Director appointment, Yannick PIQUET (Vice-Président)
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
31-12
Financial
Highest result since 2018net €922k ▲17.1%
Net result €922k, the highest in the series.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Equity above €50MEq €51.03M ▲8.6%
4 profitable years in a row build equity to €51.03M.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
38 directors, no change since 2026
Emmanuel De Bock
CurrentChair · since 22-06-2026
Yannick PIQUET
CurrentVice président · since 22-06-2026
22-06-2026
Emmanuel De Bock: Appointed as Chair
22-06-2026
Yannick PIQUET: Appointed as Vice président
26-11-2025
Emmanuel De Bock: Resigned as Director
26-11-2025
Abdeslam TAY: Resigned as Director
26-11-2025
Alexandra PHILIPPE: Resigned as Director
26-11-2025
Anals CAMUS: Resigned as Director
26-11-2025
Anne DELVAUX: Resigned as Director
26-11-2025
Bernard RICHELLE: Resigned as Director
26-11-2025
Bruno NYS: Resigned as Director
26-11-2025
Christophe BERTHELOT: Resigned as Director
26-11-2025
Diane CULER: Resigned as Director
26-11-2025
Marie FRENAY: Resigned as Director
26-11-2025
Michel COHEN: Resigned as Director
26-11-2025
Simon COLLIGNON: Resigned as Director
12-10-2023
Nora BEDNARSKI: Resigned as Director
16-08-2019
Nevruz UNAL: Resigned as Director
16-08-2019
Patrick ZYGAS: Resigned as Director
01-07-2019
Emmanuel De Bock: Resigned as Managing director
01-07-2019
Anne DELVAUX: Resigned as Director
01-07-2019
Diane CULER: Resigned as Director
01-07-2019
Michel COHEN: Resigned as Director
01-07-2019
Alexandra DEROOSE: Resigned as Director
01-07-2019
Frédéric CONVENT: Resigned as Director
01-07-2019
Gautier CALOMNE: Resigned as Managing director
+ 23 not shown in this overview
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 1977
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.
Emile Clausstraat 631180 UkkelGround area
1,857 m²
Building footprint
2,479 m²
Volume, LiDAR
57,557 m³
Parcel 21612C0045/00D002, Brussels · tallest building 40.1 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BINHOME
since 19772.249.716.149
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0045/00D002 | Brussels | 1,857 m² | 1 · 2,479 m² | 40.1 m · 8 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.
Statutory auditor
2 auditors| Anne DELVAUX Statutory auditor | - → 16-08-2019 |
Show 1 earlier auditors
| Marianne GUSTOT Statutory auditor | - → 01-07-2019 |
Structure & network
Connections & network
4 connected companiesLinked via shared directors
viaEmmanuel De Bock · Director
former→
viaEmmanuel De Bock · Director
former→
viaEmmanuel De Bock · Director
former→
viaEmmanuel De Bock · Director
former→
Similar companies · same sector, comparable size
DOCORA
BE 0825.881.259
Antwerpen · Eq €53.61M
Woonmaatschappij Vlaamse Ardennen
BE 0466.370.951
Oudenaarde · Eq €54.50M
La Famennoise, Société Régionale d'habitations Sociales
BE 0406.678.537
Marche-en-Famenne · Eq €53.04M
IMMOBILIERE PUBLIQUE DU CENTRE ET DE L'EST DU BRABANT WALLON
BE 0400.361.956
Court-Saint-Etienne · Eq €55.58M
WoonST
BE 0405.007.464
Temse · Eq €57.24M
Of 204 companies in sector 68202 we hold annual accounts for 188. 124 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCooperative company
Founded01-01-1906
Fiscal year end31-12
Activities, NACEBEL
68202Real estate activities
70202
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:binhome.brussels
E-mail:dg@binhome.brussels
General meetings
3 convocationsGeneral meeting
Ordinary general meeting
Agenda
suivant : Ordre du jour 1. Rapport du Conseil d’Administration. 2. Lecture et examen du rapport du Commissaire-Réviseur. 3. Approbation des comptes annuels arrêtés au 31 décembre 2014. 4. Décharge aux Administrateurs. 5. Décharge au Commissaire-Réviseur. 6. Nominations. 7. Fusion. 8. Divers.
Ordinary general meeting
Agenda
Rapport annuel du Conseil d’Administration. Approbation des comptes annuels arrêtés au 31 décembre 2007. Lecture et examen du rapport du Commissaire réviseur. Décharge des Admi- nistrateurs. Décharge du Commissaire Réviseur. Modification des Statuts. Divers. (AOPC-1-8-06494/20.05)