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Europea Housing

Active
Public limited companyfounded 201411 yrs activeGemeenschappenlaan 100, 1200 Sint-Lambrechts-Woluwe, BelgiumKBO/BCE: BE 0506.799.759
Summary

Europea Housing has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €762,752 and a net result of -€5,267. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 43% of 948 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
Europea HousingActiveChecked score 80/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
#6 company by total assets in Sint-Lambrechts-Woluwe, Construction sector
Size
€2.7mtotal assets 2025
Equity
€762,752
Loss
-€5,267
Financial health
80 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Parent
N.V. BESIX S.A. · 67%
Board
2 members
Accounts 31 d early1 of 10 deeds read
Why 80- Liquidity: current ratio 1.38, cash €9,149- Sector Construction of residential and non-residential buildings (NACE 41)+ Size: total assets €2.7m+ Figures for FY 2025 (filed 30-06-2026)Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Better than 28% of its sector peers (NACE 41, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 53=
equity 27.8% of total assets
Liquidity 12+1
short-term debt 72.2% · cash 0.3%
Profitability 37=
return on assets -0.2%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (904 companies)
Last 24 months 11-2024: 1.3% 12-2024: 1.3%● 0.0% vs 11-2024 01-2025: 1.3%● 0.0% vs 12-2024 02-2025: 1.3%▲ +1.1% vs 01-2025 03-2025: 1.5%▲ +14.8% vs 02-2025 04-2025: 1.5%● 0.0% vs 03-2025 05-2025: 1.6%▲ +7.3% vs 04-2025 06-2025: 1.6%▲ +3.5% vs 05-2025 07-2025: 1.7%▲ +0.5% vs 06-2025 08-2025: 2.3%▲ +38.2% vs 07-2025 09-2025: 2.2%▼ -5.7% vs 08-2025 10-2025: 2.2%● 0.0% vs 09-2025 11-2025: 2.2%▲ +0.4% vs 10-2025 12-2025: 2.2%● 0.0% vs 11-2025 01-2026: 2.1%▼ -2.8% vs 12-2025 02-2026: 2.1%● 0.0% vs 01-2026 03-2026: 2.4%▲ +15.0% vs 02-2026highest value 04-2026: 2.3%▼ -4.5% vs 03-2026 05-2026: 2.4%▲ +2.1% vs 04-2026 06-2026: 2.4%▲ +1.0% vs 05-2026 07-2026: 0.5%▼ -79.2% vs 06-2026 08-2026: 0.5%● 0.0% vs 07-2026 09-2026: 0.4%▼ -10.3% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 1.38, cash €9,149 raises the probability
  • Size: total assets €2.7m lowers the probability for this profile
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Figures for FY 2025 (filed 30-06-2026) lowers the probability
Credit up to €60,000 at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.39 in 2024; short-term debt: 72.2% and cash: 0.3% of total assets), and 72.2% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 41, small). Better than this share of them on solvency 45%, liquidity 11%, profitability 23%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.38, cash €9,149
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €2.7m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Figures for FY 2025 (filed 30-06-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2024
25 d late
2023
21 d early
2022
31 d late
2021
54 d late
2020
96 d late
2019
96 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 36 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.

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. Usually files around 25 August (4 of the last 5 filed years within 45 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Resignations: RLG Consulting SRL (administrateur de…Appointments: NAEDOL SRL (administrateur de…
  2. Annual accounts filedfiscal year 2025 · full…
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Risk: 8 loss-making years in a rowloss fiscal year 2025 -€5,267 View
  • Caution: Board changedlatest change 11-09-2026 · 2 in office 2 joined · 2 left View
  • Positive: Company by total assets in Sint-Lambrechts-Woluwe, Construction sectorin the Checked rankings #6 View
  • Controlled by N.V. BESIX S.A.known shareholders 100% 67% View

By topic

Financials

Fiscal year
2025
Total assets
€2.7m
Loss
-€5,267
Solvency
27.8%
Total assets▲ 0.4%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2017
Next accounts
by 31-07-2027
  1. 11-09-2026Resignations: RLG Consulting SRL (administrateur de classe…
  2. 30-06-2026Annual accounts filed
  3. 25-08-2025Annual accounts filed
Go to Timeline

Company details

Legal form
Public limited company
Activity
General construction of residential buildingsNACE 41001
Founded
12-12-2014
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?BESIX Group · 60 companies

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