Notre Foyer
ActiveSummary
Notre Foyer has been active since 1963 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.68M and a net result of €38k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 29% of 462 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-3
Solvency54▲+1
Growth55▼-1
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 1.89 against 1.95 in 2024; short-term debt: 22.7% and cash: 12% of total assets), but 71.3% 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 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
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
28.7%
Return on assets
0.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
29 d early
2023
35 d early
2022
56 d late
2021
44 d early
2020
39 d early
2019
45 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€7.78M▲ 3.7%
2024 · €7.50M
2018: €5.38M
2019: €5.65M
2020: €5.83M
2021: €5.97M
2022: €6.55M
2023: €7.27M
2024: €7.50M
2018 → 2025
EBIT margin
2.2%▼ 0.8pp
2024 · 3.0%
2018: 2.4%
2019: 5.9%
2020: 7.0%
2021: 8.0%
2022: 5.0%
2023: 3.7%
2024: 3.0%
2018 → 2025
Net result
€38k▼ 33.5%
2024 · €58k
2018: €-124k
2019: €110k
2020: €192k
2021: €270k
2022: €104k
2023: €87k
2024: €58k
2018 → 2025
Working capital
€1.88M▼ 6.4%
2024 · €2.01M
2018: €1.66M
2019: €1.66M
2020: €1.82M
2021: €1.90M
2022: €2.07M
2023: €2.21M
2024: €2.01M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€5.97M-€6.55M▲ 9.8%€7.27M▲ 10.9%€7.50M▲ 3.3%€7.78M▲ 3.7%
Equity€2.96M-€2.90M▼ 2.1%€2.83M▼ 2.5%€2.76M▼ 2.2%€2.68M▼ 3.0%
Operating result€478k-€327k▼ 31.7%€272k▼ 16.7%€226k▼ 16.9%€172k▼ 23.8%
Net result€270k-€104k▼ 61.4%€87k▼ 16.6%€58k▼ 33.7%€38k▼ 33.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 24% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.33M
Fixed assets
€5.34M ▼ 7.8%
Current assets
€4.00M ▼ 2.9%
Equity and liabilities €9.33M
Equity
€2.68M ▼ 3.0%
Provisions
€158k ▼ 43.8%
Debt
€6.50M ▼ 5.4%
Debt's share of the balance-sheet total rises from 69.3% to 69.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€625k▼
2024 · €730k
Cash flow
€491k▼
2024 · €562k
Current ratio
1.89▼
2024 · 1.95
Quick ratio
1.88▼
2024 · 1.95
Debt to equity
2.43▼
2024 · 2.49
ROE
1.4%▼
2024 · 2.1%
ROA
0.4%▼
2024 · 0.6%
Interest coverage
3.93▼
2024 · 4.04
Debt ≤ 1 year
€2.12M▲
2024 · €2.11M
Debt > 1 year
€4.03M▼
2024 · €4.48M
Income taxes
€-20▼
2024 · €133
Staff costs
€6.42M▲
2024 · €6.31M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 70 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.91M€9.33M▼
Fixed assets21/28€5.79M€5.34M▼
Tangible fixed assets22/27€5.79M€5.33M▼
Land and buildings22€5.59M€5.20M▼
Plant, machinery and equipment23€12k€5k▼
Furniture and vehicles24€181k€131k▼
Financial fixed assets28€937€937=
Other financial fixed assets284/8€937€937=
Amounts receivable and cash guarantees285/8€937€937=
Current assets29/58€4.12M€4.00M▼
Amounts receivable after more than one year29€787k€646k▼
Other amounts receivable291€787k€646k▼
Stocks and contracts in progress3€11k€11k=
Stocks30/36€11k€11k=
Goods purchased for resale34€11k€11k=
Amounts receivable within one year40/41€745k€653k▼
Trade receivables40€522k€384k▼
Other amounts receivable41€223k€269k▲
Current investments50/53€1.00M€1.50M▲
Cash at bank and in hand54/58€1.51M€1.12M▼
Deferred charges and accrued income490/1€66k€66k▲
Equity and liabilities
Total equity and liabilities10/49€9.91M€9.33M▼
Equity10/15€2.76M€2.68M▼
Reserves13€1.38M€1.42M▲
Investment grants15€1.38M€1.26M▼
Provisions and deferred taxes16€281k€158k▼
Provisions for liabilities and charges160/5€281k€158k▼
Major repairs and maintenance162€116k€116k=
Other liabilities and charges164/5€165k€42k▼
Amounts payable17/49€6.86M€6.50M▼
Amounts payable after more than one year17€4.48M€4.03M▼
Financial debts170/4€4.48M€4.03M▼
Credit institutions173€4.48M€4.03M▼
Amounts payable within one year42/48€2.11M€2.12M▲
Current portion of amounts payable after more than one year42€475k€497k▲
Trade debts44€194k€542k▲
Suppliers440/4€194k€542k▲
Taxes, remuneration and social security45€1.27M€1.08M▼
Taxes450/3€173k€17k▼
Remuneration and social security454/9€1.10M€1.06M▼
Accrued charges and deferred income492/3€272k€347k▲
Income statement
Code20242025
Operating income70/76A€8.53M€8.85M▲
Turnover70€7.50M€7.78M▲
Other operating income74€769k€824k▲
Non-recurring operating income76A€92k€88k▼
Operating charges60/66A€8.31M€8.67M▲
Goods for resale, raw materials and consumables60€553k€583k▲
Purchases600/8€553k€583k▲
Services and other goods61€803k€936k▲
Remuneration, social security and pensions62€6.31M€6.42M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€504k€453k▼
Other operating charges640/8€138k€401k▲
Operating profit (loss)9901€226k€172k▼
Financial income75/76B€13k€26k▲
Recurring financial income75€13k€26k▲
Income from current assets751€13k€26k▲
Other financial income752/9€3€1▼
Financial charges65/66B€181k€160k▼
Recurring financial charges65€181k€160k▼
Debt charges650€181k€159k▼
Other financial charges652/9€848€825▼
Profit (loss) for the period before taxes9903€58k€38k▼
Income taxes67/77€133€-20▼
Taxes670/3€133-
Tax adjustments and reversals of tax provisions77-€20
Profit (loss) for the period9904€58k€38k▼
Profit (loss) for the period to be appropriated9905€58k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€38k▼
To contributions691€58k€38k▼
Social balance
Average headcount (FTE)908792.192.0▼
The notes to these accounts (49 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 56 days late
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €270k ▲40.3%
Operating result €478k, net result €270k, both a record.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 45 days late
2019
31-12
Financial
Back to profitnet €110k
Net result €110k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
22 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, Charleroi · 1 establishment unit since 1963
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 Cambier Dupret 476001 CharleroiGround area
1.0 ha
Building footprint
866 m²
Volume, LiDAR
9,439 m³
Parcel 52045A0295/00W003, Wallonia · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NOTRE FOYER
since 19632.153.810.368
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52045A0295/00W003 | Wallonia | 1.0 ha | 1 · 866 m² | 13.1 m · 4 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.153.810.368
Similar companies · same sector, comparable size
RESIDENCE LES LILAS
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Seraing · Eq €2.70M
MAISON DE REPOS DE LA MAISON DIEU
BE 0428.080.497
Wanze · Eq €2.65M
LA SOLIDARITÉ
BE 0401.216.546
Lessines · Eq €2.71M
MANOIR DE LA QUIETUDE
BE 0439.495.518
Namur · Eq €2.74M
La Résidence du Parc
BE 0890.201.662
Grez-Doiceau · Eq €2.62M
Of 601 companies in sector 87301 we hold annual accounts for 493. 359 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded20-07-1963
Fiscal year end31-12
Activities, NACEBEL 2025
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.