ARCHITECTENBUREAU HOUBEN
ActiveSummary
ARCHITECTENBUREAU HOUBEN has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 60% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▲+62
Solvency89▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.73 against 1.35 in 2024; short-term debt: 35.9% and cash: 30.4% of total assets), and 35.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 71
Relative position
BE, all sectors
reference
Sector 71
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-5k
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
19 d late
2023
19 d late
2022
18 d late
2021
26 d late
2020
17 d late
2019
90 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, micro schema
Equity
€103k▼ 4.8%
2024 · €108k
2018: €197k
2019: €229k
2020: €251k
2021: €248k
2022: €271k
2023: €256k
2024: €108k
2018 → 2025
Total assets
€161k▼ 9.7%
2024 · €178k
2018: €280k
2019: €250k
2020: €283k
2021: €322k
2022: €310k
2023: €287k
2024: €178k
2018 → 2025
Net result
€-5k▲ 77.1%
2024 · €-23k
2018: €-2k
2019: €33k
2020: €22k
2021: €-3k
2022: €23k
2023: €-15k
2024: €-23k
2018 → 2025
Working capital
€42k▲ 72.4%
2024 · €25k
2018: €179k
2019: €225k
2020: €165k
2021: €147k
2022: €192k
2023: €218k
2024: €25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€248k-€271k▲ 9.1%€256k▼ 5.4%€108k▼ 57.7%€103k▼ 4.8%
Operating result€3k-€40k▲ 1,274%€-14k€-27k▼ 92.7%€-5k▲ 81.8%
Net result€-3k-€23k€-15k€-23k▼ 54.8%€-5k▲ 77.1%
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 €5k in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €161k
Fixed assets
€61k ▼ 27.4%
Current assets
€100k ▲ 6.0%
Equity and liabilities €161k
Equity
€103k ▼ 4.8%
Debt
€58k ▼ 17.2%
Debt's share of the balance-sheet total falls from 39.2% to 35.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €-6k
Cash flow
€18k▲
2024 · €-2k
Current ratio
1.73▲
2024 · 1.35
Debt to equity
0.56▼
2024 · 0.65
ROE
-5.1%▲
2024 · -21.0%
ROA
-3.2%▲
2024 · -12.8%
Interest coverage
118.69▲
2024 · -40.47
Debt ≤ 1 year
€58k▼
2024 · €70k
Income taxes
€201▲
2024 · €199
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€178k€161k▼
Fixed assets21/28€84k€61k▼
Tangible fixed assets22/27€84k€61k▼
Land and buildings22€3k€3k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€68k€48k▼
Other tangible fixed assets26€9k€8k▼
Current assets29/58€94k€100k▲
Amounts receivable within one year40/41€7k€1k▼
Trade receivables40€6k€1k▼
Other amounts receivable41€1k-
Current investments50/53€50k€50k=
Cash at bank and in hand54/58€37k€49k▲
Equity and liabilities
Total equity and liabilities10/49€178k€161k▼
Equity10/15€108k€103k▼
Contributions10/11€19k€19k=
Reserves13€90k€85k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€77k€72k▼
Amounts payable17/49€70k€58k▼
Amounts payable within one year42/48€70k€58k▼
Trade debts44€2k€856▼
Suppliers440/4€2k€856▼
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Other amounts payable47/48€62k€54k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€23k▲
Other operating charges640/8€1k€497▼
Gross operating margin9900€-5k€19k▲
Operating profit (loss)9901€-27k€-5k▲
Financial income75/76B€5k€51▼
Recurring financial income75€5k€51▼
Financial charges65/66B€160€152▼
Recurring financial charges65€160€152▼
Profit (loss) for the period before taxes9903€-23k€-5k▲
Income taxes67/77€199€201▲
Profit (loss) for the period9904€-23k€-5k▲
Profit (loss) for the period to be appropriated9905€-23k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-5k▲
Profit (loss) brought forward from the previous period14P€-15k-
Transfer from equity791/2€163k€5k▼
Profit to be distributed694/7€125k-
Return on contributions (dividend)694€125k-
The notes to these accounts (4 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 11.85
Current ratio from 3.15 to 11.85; short-term debt falls from €84k to €21k.
31-12
Financial
Equity above €200kEq €229k ▲16.8%
Equity rises from €197k to €229k.
Show earlier events
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Tongeren-Borgloon · 1 establishment unit since 1990
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.
Bilzersteenweg 5133700 Tongeren-BorgloonGround area
810 m²
Building footprint
154 m²
Volume, LiDAR
43 m³
Parcel 73026A0917/00W000, Flanders · tallest building 4.5 m. Linked by address, not a title deed.
1 establishment unit
Bilzersteenweg 513, 3700 Tongeren-Borgloon
since 19902.229.501.547
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73026A0917/00W000 | Flanders | 810 m² | 1 · 153 m² | 4.5 m |
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
Legal Entity Identifier
967600RTWZOLLJ5VX666
Similar companies · same sector, comparable size
ArChiS - Société d'architectes
BE 0822.474.975
Ukkel · Eq €103,304
INGENIEUR KOENRAAD BOEL
BE 0834.525.048
Oosterzele · Eq €103,150
E2 architecture
BE 0541.464.688
Aubel · Eq €103,354
ARCHITECT SVEN DE HOEF
BE 0846.246.311
Heist-op-den-Berg · Eq €103,128
US
BE 0712.564.671
Kortrijk · Eq €103,387
Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,470 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 formPrivate limited company (pre-2019)
Founded16-05-1990
Fiscal year end31-12
Activities, NACEBEL 2025
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.