HABIT SOLUTIONS
ActiveHABIT SOLUTIONS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €40k and a net result of €5k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability31▼-63
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 5.06 in 2024; short-term debt: 17.7% and cash: 31.7% of total assets), and 17.7% 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+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
82.3%
Return on assets
10.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
28 d late
2024
25 d late
2023
26 d late
2022
29 d late
2021
29 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€40k▼ 20.5%
2024 · €50k
2021: €15k
2022: €28k
2023: €44k
2024: €50k
2021 → 2025
Total assets
€49k▼ 17.9%
2024 · €59k
2021: €25k
2022: €45k
2023: €63k
2024: €59k
2021 → 2025
Net result
€5k▼ 58.4%
2024 · €12k
2021: €13k
2022: €13k
2023: €16k
2024: €12k
2021 → 2025
Working capital
€35k▼ 3.8%
2024 · €36k
2021: €10k
2022: €22k
2023: €35k
2024: €36k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€28k▲ 89.5%€44k▲ 57.6%€50k▲ 13.6%€40k▼ 20.5%
Operating result€19k-€17k▼ 11.3%€21k▲ 24.3%€16k▼ 25.6%€-6k
Net result€13k-€13k▲ 3.5%€16k▲ 21.9%€12k▼ 26.3%€5k▼ 58.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€5k▼ 62.7%
Current assets
€43k▼ 3.6%
Equity and liabilities €49k
Equity
€40k▼ 20.5%
Debt
€9k▼ 2.8%
The debt ratio rises from 15.0% to 17.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-2k▼
2024 · €21k
Cash flow
€9k▼
2024 · €17k
Solvency
82.3%▼
2024 · 85.0%
Current ratio
5.02▼
2024 · 5.06
Quick ratio
5.02▼
2024 · 5.06
Debt / equity
0.22▲
2024 · 0.18
ROE
12.4%▼
2024 · 23.7%
ROA
10.2%▼
2024 · 20.1%
Interest coverage
-31.00▼
2024 · 80.66
Debt
€9k▼
2024 · €9k
Debt ≤ 1 year
€9k▼
2024 · €9k
Income taxes
€3k▼
2024 · €4k
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€59k€49k▼
Fixed assets21/28€14k€5k▼
Tangible fixed assets22/27€14k€5k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€9k€1k▼
Current assets29/58€45k€43k▼
Amounts receivable within one year40/41€12k€28k▲
Trade receivables40€10k€24k▲
Other amounts receivable41€1k€4k▲
Cash at bank and in hand54/58€33k€15k▼
Equity and liabilities
Total equity and liabilities10/49€59k€49k▼
Equity10/15€50k€40k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€48k€38k▼
Amounts payable17/49€9k€9k▼
Amounts payable within one year42/48€9k€9k▼
Trade debts44€323€2k▲
Suppliers440/4€323€2k▲
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€3k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€641€595▼
Gross operating margin9900€21k€-1k▼
Operating profit (loss)9901€16k€-6k▼
Financial income75/76B€81€13k▲
Recurring financial income75€81€13k▲
Non-recurring financial income76B-€13k
Financial charges65/66B€257€55▼
Recurring financial charges65€257€55▼
Profit (loss) for the period before taxes9903€16k€8k▼
Income taxes67/77€4k€3k▼
Profit (loss) for the period9904€12k€5k▼
Profit (loss) for the period to be appropriated9905€12k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€53k▼
Profit (loss) brought forward from the previous period14P€42k€48k▲
Profit to be distributed694/7€6k€15k▲
Return on contributions (dividend)694€6k€15k▲
The notes to these accounts (7 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €5k ▼58.4%
Net result drops to €5k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Highest result since 2021net €16k ▲21.9%
Operating result €21k, net result €16k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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
Registered office, Tongeren-Borgloon · 1 establishment unit since 2020
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.
Op het Hofken 53700 Tongeren-BorgloonGround area
807 m²
Building footprint
124 m²
Volume, LiDAR
106 m³
Parcel 73046B0346/00G000, Flanders · tallest building 4.7 m. Linked by address, not a title deed.
1 establishment unit
HABIT SOLUTIONS
since 20202.304.447.410
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73046B0346/00G000 | Flanders | 807 m² | 1 · 124 m² | 4.7 m |
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.
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BRADSTON
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CONNECTED DOTS CONSULTANCY
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Tecron
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 14,971 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.