HOME PASSION
ActiveThe annual accounts of HOME PASSION for fiscal year 2025 show a net loss of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €63k and a net result of €-80k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 7331 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-98
Solvency49▼-34
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.33 against 2.62 in 2024; short-term debt: 71.3% and cash: 23.2% of total assets), and 75.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
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 2025Solvency, return and age of the figures
Solvency
24.5%
Return on assets
-31.5%
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 31-08-2026, 31 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
31 d late
2024
9 d early
2023
119 d early
2022
5 d early
2021
26 d late
2020
10 d late
2019
108 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-80k
2024 · €58k
2018: €-12k
2019: €-53k
2020: €6k
2021: €45k
2022: €35k
2023: €9k
2024: €58k
2018 → 2025
Working capital
€59k▼ 57.7%
2024 · €140k
2018: €28k
2019: €-20k
2020: €-10k
2021: €36k
2022: €71k
2023: €80k
2024: €140k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€81k▲ 77.3%€89k▲ 10.6%€143k▲ 59.9%€63k▼ 56.3%
Operating result€47k-€48k▲ 3.1%€18k▼ 62.4%€82k▲ 352%€-83k
Net result€45k-€35k▼ 21.3%€9k▼ 75.7%€58k▲ 572%€-80k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €83k after €82k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€14k▼ 28.5%
Current assets
€242k▲ 6.6%
Equity and liabilities €256k
Equity
€63k▼ 56.3%
Debt
€193k▲ 86.9%
The debt ratio rises from 41.9% to 75.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-69k▼
2024 · €96k
Cash flow
€-66k▼
2024 · €72k
Solvency
24.5%▼
2024 · 58.1%
Current ratio
1.33▼
2024 · 2.62
Quick ratio
1.08▼
2024 · 1.90
Debt / equity
3.09▲
2024 · 0.72
ROE
-128.6%▼
2024 · 40.3%
ROA
-31.5%▼
2024 · 23.4%
Interest coverage
-41.52▼
2024 · 19.45
Debt
€193k▲
2024 · €103k
Debt ≤ 1 year
€182k▲
2024 · €86k
Debt > 1 year
€11k▼
2024 · €17k
Income taxes
€-1k▼
2024 · €19k
Staff costs
€41k▼
2024 · €41k
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€246k€256k▲
Fixed assets21/28€20k€14k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€20k€12k▼
Plant, machinery and equipment23€3k€1k▼
Furniture and vehicles24€16k€11k▼
Financial fixed assets28€50€50=
Current assets29/58€227k€242k▲
Stocks and contracts in progress3€63k€45k▼
Stocks30/36€63k€45k▼
Amounts receivable within one year40/41€74k€135k▲
Trade receivables40€48k€126k▲
Other amounts receivable41€26k€9k▼
Cash at bank and in hand54/58€88k€59k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€246k€256k▲
Equity10/15€143k€63k▼
Contributions10/11€6k€6k=
Reserves13€137k€82k▼
Distributable reserves133€137k€82k▼
Profit (loss) carried forward14-€-26k
Amounts payable17/49€103k€193k▲
Amounts payable after more than one year17€17k€11k▼
Financial debts170/4€17k€11k▼
Amounts payable within one year42/48€86k€182k▲
Current portion of amounts payable after more than one year42€7k€9k▲
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€52k€98k▲
Suppliers440/4€52k€98k▲
Taxes, remuneration and social security45€19k€14k▼
Taxes450/3€19k€11k▼
Remuneration and social security454/9€293€4k▲
Other amounts payable47/48€5k€61k▲
Income statement
Code20242025
Remuneration, social security and pensions62€41k€41k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€988€554▼
Non-recurring operating charges66A€341€63▼
Gross operating margin9900€139k€-27k▼
Operating profit (loss)9901€82k€-83k▼
Financial income75/76B€216€3k▲
Recurring financial income75€216€3k▲
Financial charges65/66B€5k€2k▼
Recurring financial charges65€5k€2k▼
Profit (loss) for the period before taxes9903€77k€-82k▼
Income taxes67/77€19k€-1k▼
Profit (loss) for the period9904€58k€-80k▼
Profit (loss) for the period to be appropriated9905€58k€-80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€-80k▼
Transfer from equity791/2-€55k
Transfer to equity691/2€54k-
To other reserves6921€54k-
Profit to be distributed694/7€4k-
Directors or managers695€4k-
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-80k ▼240%
Net result drops to €-80k, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €58k ▲572%
Operating result €82k, net result €58k, both a record.
31-12
Financial
Equity above €100kEq €143k ▲59.9%
5 profitable years in a row build equity to €143k.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
10-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 10 days late
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
16-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 108 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 10 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
Registered office, Aywaille · 1 establishment unit since 2010
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.
Rue Lombry 224920 AywailleGround area
239 m²
Building footprint
81 m²
Volume, LiDAR
790 m³
2 parcels, Wallonia · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HOME PASSION
since 20102.189.899.219
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098C0478/00E000 | Wallonia | 145 m² | 1 · 41 m² | 9.7 m · 2 fl. |
| 62009D0020/02B000 | Wallonia | 95 m² | 1 · 40 m² | 12.9 m · 4 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.
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CEBA CONSTRUCTION
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Of 29,810 companies in sector 41001 we hold annual accounts for 16,041. 13,186 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2010
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.