Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HOUBA is 5.6% (elevated). The 2018 annual accounts show equity of €17k and a net result of €-4k. The company has been active since 1990 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Based on the State Gazette, CBE and 1 annual account.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
1 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2020) are too old to derive current signals.
Trust signals
1 signalAdministrative Flags
1 eventFinancials
Annual accounts & ratios
Source: NBB · 2018| Fiscal year | 2018 |
|---|---|
| Revenue | - |
| EBITDA | - |
| Net profit | €-4k |
| Cash flow | - |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €17k |
| Equity | €17k |
| Debt | - |
| of which ≤ 1y | - |
| of which > 1y | - |
| Working capital | - |
| Employees (FTE) | - |
| 2018 | |
|---|---|
| Current ratio | - |
| Quick ratio | - |
| Working capital ratio | - |
| Solvency | 100.0% |
| Debt / equity | - |
| Long-term debt ratio | - |
| Interest coverage | - |
| Gross margin | - |
| Net margin | - |
| ROA | -23.9% |
| ROE | -23.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2018 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €17k |
| Current assets | 29/58 | €17k |
| Amounts receivable within one year | 40/41 | €11k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €17k |
| Equity | 10/15 | €17k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €-4k |
| Income statement | ||
| Gross operating margin | 9900 | €-130 |
| Operating result | 9901 | €-130 |
| Financial income | 75 | €496 |
| Result before taxes | 9903 | €366 |
| Net result for the period | 9904 | €366 |
| Result to be appropriated | 9905 | €366 |
Health barometer
FY 2018 · computedStructure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816G0142/00K003 | Brussels | 200 m² | 1 · 67 m² | 16.5 m · 4 fl. |
| 21816C0005/00A010 | Brussels | 127 m² | 1 · 109 m² | 14.7 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axesThis figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | HOUBA |
- 08-09-2025 Late accounts filing