HOUZZ
ActiveThe annual accounts of HOUZZ for fiscal year 2025 show a net loss of 80% of the equity at the start of that year. The 2025 annual accounts show equity of €23k and a net result of €-92k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 13% of 7452 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
40
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▼-53
Solvency27▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 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 ample (current ratio 2.3 against 2.36 in 2024; short-term debt: 32.4% and cash: 1.5% of total assets), but 97.8% 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.
+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 →
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
2.2%
Return on assets
-8.5%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 7452 sector peers (2025).
NBB · sector comparisonPosition among 7452 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 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 · 9 filingsDeviation from the deadline
2025
28 d late
2024
30 d late
2022
61 d late
2021
61 d late
2020
31 d late
2019
92 d late
2018
31 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 79.7%
2024 · €116k
2018: €-106k
2019: €-21k
2020: €30k
2021: €-64k
2022: €30k
2024: €116k
2018 → 2025
Total assets
€1.08M▼ 15.0%
2024 · €1.27M
2018: €755k
2019: €1.22M
2020: €777k
2021: €1.04M
2022: €870k
2024: €1.27M
2018 → 2025
Net result
€-92k
2024 · €131k
2018: €-111k
2019: €85k
2020: €51k
2021: €-94k
2022: €94k
2024: €131k
2018 → 2025
Working capital
€453k▼ 17.7%
2024 · €551k
2018: €387k
2019: €469k
2020: €528k
2021: €405k
2022: €535k
2024: €551k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€30k-€-64k€30k€116k▲ 287%€23k▼ 79.7%
Operating result€103k-€-53k€134k€227k▲ 69.7%€-35k
Net result€51k-€-94k€94k€131k▲ 39.8%€-92k
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 €35k after €227k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€276k▼ 11.8%
Current assets
€803k▼ 16.0%
Equity and liabilities €1.08M
Equity
€23k▼ 79.7%
Provisions
€494k▼ 0.4%
Debt
€562k▼ 14.6%
The debt ratio rises from 51.8% to 52.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €281k
Cash flow
€-54k▼
2024 · €185k
Solvency
2.2%▼
2024 · 9.1%
Current ratio
2.30▼
2024 · 2.36
Quick ratio
2.30▲
2024 · 2.02
Debt / equity
23.94▲
2024 · 5.68
ROE
-393.0%▼
2024 · 113.1%
ROA
-8.5%▼
2024 · 10.3%
Interest coverage
0.05▼
2024 · 3.49
Debt
€562k▼
2024 · €657k
Debt ≤ 1 year
€349k▼
2024 · €405k
Debt > 1 year
€212k▼
2024 · €225k
Income taxes
€2k▼
2024 · €33k
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€1.27M€1.08M▼
Fixed assets21/28€313k€276k▼
Tangible fixed assets22/27€313k€276k▼
Land and buildings22€277k€268k▼
Plant, machinery and equipment23€504-
Furniture and vehicles24€35k€8k▼
Current assets29/58€956k€803k▼
Stocks and contracts in progress3€137k€714▼
Stocks30/36€137k€714▼
Amounts receivable within one year40/41€780k€786k▲
Trade receivables40€389k€5k▼
Other amounts receivable41€391k€781k▲
Cash at bank and in hand54/58€37k€16k▼
Deferred charges and accrued income490/1€2k€159▼
Equity and liabilities
Total equity and liabilities10/49€1.27M€1.08M▼
Equity10/15€116k€23k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€97k€5k▼
Provisions and deferred taxes16€496k€494k▼
Provisions for liabilities and charges160/5€496k€494k▼
Pensions and similar obligations160€496k-
Environmental obligations163-€494k
Amounts payable17/49€657k€562k▼
Amounts payable after more than one year17€225k€212k▼
Financial debts170/4€225k€212k▼
Amounts payable within one year42/48€405k€349k▼
Current portion of amounts payable after more than one year42€15k€13k▼
Financial debts43€129k-
Credit institutions430/8€129k-
Trade debts44€20k€3k▼
Suppliers440/4€20k€3k▼
Taxes, remuneration and social security45€79k€88k▲
Taxes450/3€79k€88k▲
Other amounts payable47/48€162k€245k▲
Accrued charges and deferred income492/3€28k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€38k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€-1k€-2k▼
Other operating charges640/8€40k€2k▼
Gross operating margin9900€320k€4k▼
Operating profit (loss)9901€227k€-35k▼
Financial income75/76B€17k€0▼
Recurring financial income75€17k€0▼
Financial charges65/66B€81k€54k▼
Recurring financial charges65€81k€54k▼
Profit (loss) for the period before taxes9903€164k€-90k▼
Income taxes67/77€33k€2k▼
Profit (loss) for the period9904€131k€-92k▼
Profit (loss) for the period to be appropriated9905€131k€-92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€5k▼
Profit (loss) brought forward from the previous period14P€11k€97k▲
Profit to be distributed694/7€45k-
Directors or managers695€45k-
The notes to these accounts (6 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-09
Financial
Highest result since 2018net €131k ▲39.8%
Operating result €227k, net result €131k, both a record.
30-09
Financial
Equity above €100kEq €116k ▲287%
2 profitable years in a row build equity to €116k.
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Back to profitnet €94k
Net result €94k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
31-12
Financial
Back to profitnet €85k
Net result €85k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Walhain · 1 establishment unit since 2015
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'Abbaye(TSL) 91457 WalhainGround area
2,513 m²
Building footprint
245 m²
Volume, LiDAR
1,451 m³
2 parcels, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOUZZ
since 20152.249.748.021
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25104C0161/00D000 | Wallonia | 1,995 m² | 1 · 145 m² | 7.0 m · 2 fl. |
| 25021F0185/00X000 | Wallonia | 518 m² | 1 · 99 m² | 9.3 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.
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VISION CONSTRUCTION
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 11,940 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-07-2015
Fiscal year end30-09
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.