HOUSING SERVICES
ActiveHOUSING SERVICES has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-85k) and a net result of €-25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 7147 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.11 in 2024), and equity is negative.
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
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
-8.4%
Return on assets
-2.5%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€85k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 10 filingsDeviation from the deadline
2025
17 d late
2024
11 d late
2023
12 d late
2022
21 d early
2021
3 d late
2020
26 d early
2019
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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-85k▼ 42.8%
2024 · €-59k
2018: €21k
2019: €24k
2020: €32k
2021: €77k
2022: €43k
2023: €2k
2024: €-59k
2018 → 2025
Total assets
€1.01M▲ 61.3%
2024 · €624k
2018: €37k
2019: €110k
2020: €301k
2021: €449k
2022: €715k
2023: €1.04M
2024: €624k
2018 → 2025
Net result
€-25k▲ 58.7%
2024 · €-61k
2018: €5k
2019: €4k
2020: €8k
2021: €45k
2022: €-34k
2023: €-41k
2024: €-61k
2018 → 2025
Working capital
€-539k▼ 46.9%
2024 · €-367k
2018: €10k
2019: €16k
2020: €14k
2021: €20k
2022: €-204k
2023: €-268k
2024: €-367k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€43k▼ 43.8%€2k▼ 95.1%€-59k€-85k▼ 42.8%
Operating result€64k-€-26k€-33k▼ 26.0%€-45k▼ 36.2%€-10k▲ 76.7%
Net result€45k-€-34k€-41k▼ 22.3%€-61k▼ 49.3%€-25k▲ 58.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €45k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.01M
Fixed assets
€940k▲ 62.2%
Current assets
€66k▲ 48.5%
Key figures and ratios
EBITDA
€35k▲
2024 · €-1k
Cash flow
€20k▲
2024 · €-17k
Solvency
-8.4%▲
2024 · -9.5%
Current ratio
0.11▲
2024 · 0.11
Quick ratio
0.11▲
2024 · 0.11
Debt / equity
-12.41▼
2024 · -10.79
ROE
30.0%▼
2024 · 103.5%
ROA
-2.5%▲
2024 · -9.8%
Interest coverage
2.33▲
2024 · -0.07
Debt
€1.05M▲
2024 · €639k
Debt ≤ 1 year
€605k▲
2024 · €411k
Debt > 1 year
€445k▲
2024 · €228k
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€624k€1.01M▲
Fixed assets21/28€580k€940k▲
Tangible fixed assets22/27€579k€940k▲
Land and buildings22€545k€907k▲
Plant, machinery and equipment23€919€2k▲
Furniture and vehicles24€4k€29k▲
Leasing and similar rights25€27k-
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€186€186=
Current assets29/58€44k€66k▲
Amounts receivable within one year40/41€22k€63k▲
Trade receivables40€20k€61k▲
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€22k€2k▼
Deferred charges and accrued income490/1€874€874=
Equity and liabilities
Total equity and liabilities10/49€624k€1.01M▲
Equity10/15€-59k€-85k▼
Contributions10/11€19k€19k=
Revaluation surpluses12€2k€2k=
Reserves13€53k€53k=
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€-134k€-159k▼
Provisions and deferred taxes16€44k€41k▼
Provisions for liabilities and charges160/5€44k€41k▼
Environmental obligations163€44k€41k▼
Amounts payable17/49€639k€1.05M▲
Amounts payable after more than one year17€228k€445k▲
Financial debts170/4€228k€445k▲
Amounts payable within one year42/48€411k€605k▲
Current portion of amounts payable after more than one year42€31k€25k▼
Trade debts44€18k€41k▲
Suppliers440/4€18k€41k▲
Taxes, remuneration and social security45€2k€600▼
Taxes450/3-€600
Remuneration and social security454/9€2k-
Other amounts payable47/48€360k€538k▲
Income statement
Code20242025
Remuneration, social security and pensions62€9-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€45k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-3k€-3k=
Other operating charges640/8€7k€7k▲
Gross operating margin9900€2k€38k▲
Operating profit (loss)9901€-45k€-10k▲
Financial income75/76B€1€1▼
Recurring financial income75€1€1▼
Financial charges65/66B€16k€15k▼
Recurring financial charges65€16k€15k▼
Profit (loss) for the period before taxes9903€-61k€-25k▲
Profit (loss) for the period9904€-61k€-25k▲
Profit (loss) for the period to be appropriated9905€-61k€-25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-134k€-159k▼
Profit (loss) brought forward from the previous period14P€-72k€-134k▼
The notes to these accounts (10 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
31-12
Financial
Weakest financial yearnet €-61k
Net result drops to €-61k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
31-12
Financial
Highest result since 2018net €45k ▲469%
Operating result €64k, net result €45k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Liège · 1 establishment unit since 1996
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 de l'Abattoir 84020 LiègeGround area
480 m²
Building footprint
379 m²
Volume, LiDAR
1,691 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
En Haute Marexhe 29, 4040 Herstal
since 19962.074.741.611
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051D1711/00C003 | Wallonia | 331 m² | 1 · 277 m² | 8.6 m · 2 fl. |
| 62808A0840/00F021 | Wallonia | 149 m² | 1 · 102 m² | - |
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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Of 29,523 companies in sector 41001 we hold annual accounts for 15,760. 3,381 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-01-1996
Fiscal year end31-12
Abbreviation FR
S.E.F.
Activities, NACEBEL
41001General construction of residential buildings
68201Renting and operating of own or leased residential real estate, excluding social housing
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.