House Concept Cleaning
ActiveSummary
The computed 12-month bankruptcy probability of House Concept Cleaning is 2.8% (moderate). The 2024 annual accounts show equity of €7k and a net result of €498. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 36375 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. The bankruptcy probability (2.8%) counts for 35% and brings the score to 59. A confirmed filing finding caps the score. Each of these causes sets the same score on its own. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability73▼-2
Solvency73▼-11
Growth52=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity ample (current ratio 1.77 against 1.84 in 2023; short-term debt: 51.8% of total assets), but 51.8% 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.
+raises risk
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
48.2%
Return on assets
3.3%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-11-2025, 119 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
119 d late
2023
60 d late
2022
93 d late
2021
50 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€7k▲ 7.4%
2023 · €7k
2021: €4k
2022: €6k
2023: €7k
2021 → 2024
Total assets
€15k▲ 31.2%
2023 · €11k
2021: €8k
2022: €8k
2023: €11k
2021 → 2024
Net result
€498▼ 14.6%
2023 · €583
2021: €2k
2022: €2k
2023: €583
2021 → 2024
Working capital
€6k▲ 52.0%
2023 · €4k
2021: €-1k
2022: €2k
2023: €4k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€4k-€6k▲ 37.5%€7k▲ 9.5%€7k▲ 7.4%
Operating result€3k-€2k▼ 17.8%€1k▼ 35.3%€2k▲ 11.2%
Net result€2k-€2k▼ 19.2%€583▼ 65.3%€498▼ 14.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 11% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €15k
Fixed assets
€1k ▼ 54.6%
Current assets
€14k ▲ 59.3%
Equity and liabilities €15k
Equity
€7k ▲ 7.4%
Debt
€8k ▲ 65.5%
Debt's share of the balance-sheet total rises from 41.0% to 51.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€3k▲
2023 · €3k
Cash flow
€2k▲
2023 · €2k
Current ratio
1.77▼
2023 · 1.84
Debt to equity
1.07▲
2023 · 0.70
ROE
6.9%▼
2023 · 8.7%
ROA
3.3%▼
2023 · 5.1%
Interest coverage
6.12▼
2023 · 7.17
Debt ≤ 1 year
€8k▲
2023 · €5k
Income taxes
€590▲
2023 · €536
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet
Code20232024
Assets
Total assets20/58€11k€15k▲
Fixed assets21/28€3k€1k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€3k€1k▼
Furniture and vehicles24€3k€1k▼
Current assets29/58€9k€14k▲
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40€1k€2k▲
Other amounts receivable41€6k€10k▲
Current investments50/53-€443
Cash at bank and in hand54/58€862-
Deferred charges and accrued income490/1-€598
Equity and liabilities
Total equity and liabilities10/49€11k€15k▲
Equity10/15€7k€7k▲
Contributions10/11€2k€2k=
Capital10€2k€2k=
Issued capital100€2k€2k=
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€5k€8k▲
Amounts payable within one year42/48€5k€8k▲
Trade debts44€0€2k▲
Suppliers440/4€0€2k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€403▼
Gross operating margin9900€4k€4k▼
Operating profit (loss)9901€1k€2k▲
Financial income75/76B€42€13▼
Recurring financial income75€42€13▼
Financial charges65/66B€349€510▲
Recurring financial charges65€349€510▲
Profit (loss) for the period before taxes9903€1k€1k▼
Income taxes67/77€536€590▲
Profit (loss) for the period9904€583€498▼
Profit (loss) for the period to be appropriated9905€583€498▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€5k▲
Profit (loss) brought forward from the previous period14P€4k€4k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 119 days late
2024
31-12
Financial
Weakest financial yearnet €498 ▼14.6%
Net result drops to €498, the lowest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
01-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 93 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 2.14
Current ratio from 0.61 to 2.14; short-term debt falls from €3k to €2k.
19-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 50 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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
1 establishment unit since 2021
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.
Ground area
5,770 m²
Building footprint
890 m²
Volume, LiDAR
8,551 m³
2 parcels, Flanders · tallest building 17.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
House Concept Cleaning
since 20212.316.769.279
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552F0009/00G064 | Flanders | 5,560 m² | 1 · 801 m² | 17.3 m · 3 fl. |
| 22004C0677/00T000 | Flanders | 210 m² | 1 · 89 m² | 10.1 m · 3 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.
Similar companies · same sector, comparable size
OOMS
BE 1030.903.033
Essen · Eq €7,326
HF BATI
BE 0696.903.626
Namur · Eq €7,103
JUNGLE URBAIN
BE 0751.767.222
Charleroi · Eq €7,416
Maximiliaan Verrelst
BE 1017.204.950
Lier · Eq €7,051
BNL Projecten
BE 0747.920.874
Antwerpen · Eq €7,519
Of 1,365 companies in sector 43110 we hold annual accounts for 632. 247 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
43110Demolition
43221Plumbing work
43230Insulation installation
43410Roofing work
43422Screed work
43990Other specialised construction activities
46349Wholesale of beverages, general range
46360Wholesale trade
46500Wholesale of information and communication equipment
47400Retail sale of information and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.