Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
-
Tight liquidity NBB
Cash and receivables cover 24 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
HOMEFINISH from Ramillies, company number BE0881546193, closed financial year 2025 with a result of € -7,867 after tax. For that financial year HOMEFINISH recorded a gross margin of € 30,955 and equity of € -14,238. Compared with financial year 2024, the result moved from € 31,763 to € -7,867. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 2, 2026.
€ -14,238
▼ € 7,867 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -7,867
▼ still € 31,763 profit in 2024
Profit after tax over the fiscal year.
€ 11,093
▼ 9% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -32,838.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 56,089
▼ 29% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 93,205
▼ 26% vs 2024
€ 23,374 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 6,996
▼ 29% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,100
▲ € 1,955 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 165,904 | - | € 140,025 | - | |
| Gross margin | € 23,134 | € 12,526 | € 70,608 | € 30,955 | ▼ 56% |
| Profit after taxes | € 6,298 | € -15,293 | € 31,763 | € -7,867 | ▼ € 39,630 |
| Equity | € -22,841 | € -38,134 | € -6,371 | € -14,238 | ▼ € 7,867 |
| Total debts | € 194,056 | € 175,916 | € 211,028 | € 135,395 | ▼ 36% |
| Cash | € 21,066 | € 1,830 | € 12,241 | € 11,093 | ▼ 9% |
| Land & buildings | € 21,870 | € 19,818 | € 17,765 | € 15,713 | ▼ 12% |
| Retained profit | € -41,441 | € -56,734 | € -24,971 | € -32,838 | ▼ € 7,867 |
| Bank debt | € 74,389 | € 53,356 | € 126,388 | € 93,205 | ▼ 26% |
| Balance sheet total | € 171,215 | € 137,782 | € 204,657 | € 121,156 | ▼ 41% |
Key figures of HOMEFINISH, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to HOMEFINISH?
What happened at HOMEFINISH in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 7,867 (▼ € 39,630 vs 2024). filed late Source: NBB ↗
- New establishment in Ramillies. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,298 profit in 2022 to € 7,867 loss in 2025.
Paid € 619 in corporate taxes since 2022.
Best year ever: 2024, with € 31,763 profit.
Management
Behind HOMEFINISH is Olivier Genard.
Directors
According to the 2025 annual accounts
Olivier Genard
Director
Establishments
Establishment units
Physical locations of this company
Chaussée de Namur 52D
1367 Ramillies
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0881.546.193
- VAT number
- BE 0881.546.193
- Registered office
- Chaussée de Namur 52D, 1367 Ramillies
- Names & denominations
- HOMEFINISH
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 29 May 2006
- Peppol
- Active · Active since 16 Jan 2026
- Activities · NACE
Overige gespecialiseerde bouwactiviteiten, neg
Overige gespecialiseerde bouwwerkzaamheden
Stukadoorswerk
Landschapsverzorging
Installatie van isolatie
Schrijnwerk
Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit
Isolatiewerkzaamheden