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HABITALE

Active
Private limited company·Ontwikkeling van residentiële bouwprojecten· 3 yrs active
Kempische Kaai 75 ·3500 Hasselt, Belgium
KBO/BCE: BE 0790.485.761
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Age3 yrs
Board4
Real estate1 parcel · 7,392 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HABITALE is 1.3% (low). The 2024 annual accounts show negative equity (€-40k) and a net result of €-9k. Its solvency ranks better than 11% of 1709 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
1.3% Low
0%0,5%1,5%4%10%≥25%
Young company +Lower-failure-rate sector −Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Signals

1 signal · with evidence
Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
View the annual accounts

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 21 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 16-07-2025 15 d early 2025-00278020
31-12-2023 31-07-2024 26-07-2024 5 d early 2024-00300502

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€-9k+73.0%
Working capital€-40k-31.5%

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 16-07-2025 with the NBB · fiscal year 2024 · verkort
€-40k€-30k€-20k€-10k€0Operating result 2023: €-35k€-35kNet result 2023: €-35k€-35kOperating result 2024: €-9k€-9kNet result 2024: €-9k€-9k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency -7.4% 14.4%
better than 11% of 1709 sector peers
Net result €-9k €0
better than 38% of 1705 sector peers
Equity €-40k €109k
better than 16% of 1709 sector peers
Gross operating margin €-9k €51k
better than 18% of 1706 sector peers
Employees (FTE) 0.0 0.0
better than 30% of 502 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-9k
+73.0% 23-24
Total assets
€537k
+303.1% 23-24
Equity
€-40k
-31.5% 23-24
Working capital
€-40k
-31.5% 23-24
Employees (FTE)
0
- 23-24
Debt
€577k
+253.1% 23-24
Debt ≤ 1y
€577k
+253.1% 23-24
Current ratio
0.93
+14.2% 23-24
Show 5 other metrics
Quick ratio
0.20
+26.6% 23-24
Solvency
-7.4%
+67.4% 23-24
Debt / equity
-14.59
-168.5% 23-24
ROE
24.0%
-79.5% 23-24
ROA
-1.8%
+93.3% 23-24
Figures by fiscal year
Fiscal year2024
Depositverkort
Revenue-
EBITDA-
Net profit€-9k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€537k
Equity€-40k
Debt€577k
of which ≤ 1y€577k
of which > 1y-
Working capital€-40k
Employees (FTE)0.0
Ratios (computed)
2024
Current ratio0.93
Quick ratio0.20
Working capital ratio-7.4%
Solvency-7.4%
Debt / equity-14.59
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-1.8%
ROE24.0%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts (19 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€537k
Current assets 29/58€537k
Stocks & contracts in progress 3€421k
Amounts receivable within one year 40/41€47k
Cash & bank 54/58€69k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€537k
Equity 10/15€-40k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€-45k
Amounts payable 17/49€577k
Amounts payable within one year 42/48€577k
Trade debts payable within one year 44€109k
Income statement
Gross operating margin 9900€-9k
Operating result 9901€-9k
Financial income 75€0
Financial charges 65€508
Result before taxes 9903€-9k
Net result for the period 9904€-9k
Result to be appropriated 9905€-9k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
25 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

5 directors
Current directors & mandates
  • UNIQ WONEN BVLegal entity
    Director· perm. rep.: Koster Patrick
    State Gazette act 23155912 (06-12-2023)
    Current
    06-12-2023 → present
  • CK REDLegal entity
    Director· perm. rep.: Christopher Kumpen
    State Gazette act 23040747 (23-03-2023)
    Current
    23-03-2023 → present
  • SOM BeheersmaatschappijLegal entity
    Director· perm. rep.: Danny Somers
    State Gazette act 23040747 (23-03-2023)
    Current
    23-03-2023 → present
  • VERCAMMEN IVO BVLegal entity
    Director· perm. rep.: Vercammen Ivo
    State Gazette act 23040747 (23-03-2023)
    Current
    23-03-2023 → present
Permanent representatives (1)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
  • Uniq Wonen BVLegal entity
    Permanent representative· perm. rep.: Patrick Koster
    State Gazette act 25121384 (25-09-2025)
    Permanent representative
    24-06-2025 → present
    2 events
    • 24-06-2025 Resigned· Permanent representative
    • 24-06-2025 Appointed· Permanent representative
Former directors (1)
  • Koster Patrick
    Director
    State Gazette act 23155912 (06-12-2023)
    Former
    - → 06-12-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary Ontwikkeling van residentiële bouwprojecten(68121)
Legal form Private limited company(610)
Incorporation06-09-2022
StatusActive
Postal code3500

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Kempische Kaai 753500 Hasselt

Establishment units

1 location
HABITALE
Kempische Kaai 75, 3500 HasseltOntwikkeling van residentiële bouwprojecten
since 20222.336.733.958
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area7,392 m²
Buildings1
Building footprint1,703 m²
Volume (LiDAR)33,467 m³
Tallest building23.4 m · ±6 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71327G0279/00Z002 Flanders 7,392 m² 1 · 1,703 m² 23.4 m · 6 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

5 acts
Address history · 1
08-09-2025
Registered-office move
All acts · 5 updated 11 months ago
2025
25-09-2025 2 directors appointed, 1 resigning Director changes
  • Johan Vanhoyland, Vaste vertegenwoordiger
  • Serge Mesotten, Bestuurder
  • Patrick Koster, Vaste vertegenwoordiger
08-09-2025 Registered office moved within Hasselt Registered-office change
  • Hassaluthdreef 2C te 3500 Hasselt → Kempische Kaai 75 bus 0.01 te 3500 Hasselt
13-02-2025 Discharge granted to the board Director changes·Eric Gilissen
Notary: Eric Gilissen · Hasselt
2023
06-12-2023 1 director appointed, 1 resigning Director changes
  • Koster Patrick, Bestuurder
  • Koster Patrick, Bestuurder
23-03-2023 3 directors appointed Director changes
  • Christopher Kumpen, Bestuurder
  • Danny Somers, Bestuurder
  • Vercammen Ivo, Bestuurder

Analysis

Financial profile

5 of 5 axes measured
Health25Profitability100Solvency43Growth58Stability94
64 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 25
Profitability 100
Solvency 43
Growth 58
Stability 94

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 2,019 of the 9,651 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwikkeling van residentiële bouwprojecten68121Ontwikkeling van niet-residentiële bouwprojecten68122
Primary activity highlighted.
Names & trade names
Legal nameNL HABITALE
Registered office
Kempische Kaai 75 bus 0.01
3500 Hasselt, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.