HOUBEN
ActiveSummary
HOUBEN has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.77M and a net result of €169k. Equity is growing by ~17.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-25
Solvency91▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 3.68 against 3.06 in 2024; short-term debt: 20.4% and cash: 48.9% of total assets), and 33.6% 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 · 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
66.4%
Return on assets
6.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
14 d late
2024
29 d late
2023
20 d late
2022
66 d late
2021
30 d late
2020
27 d late
2019
68 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
Equity
€1.77M▲ 10.5%
2024 · €1.60M
2018: €475k
2019: €527k
2020: €620k
2021: €968k
2022: €1.29M
2023: €1.46M
2024: €1.60M
2018 → 2025
Total assets
€2.67M▲ 0.7%
2024 · €2.65M
2018: €994k
2019: €1.10M
2020: €1.30M
2021: €1.57M
2022: €2.49M
2023: €2.58M
2024: €2.65M
2018 → 2025
Net result
€169k▼ 32.0%
2024 · €248k
2018: €103k
2019: €52k
2020: €93k
2021: €348k
2022: €236k
2023: €316k
2024: €248k
2018 → 2025
Working capital
€1.46M▲ 13.8%
2024 · €1.28M
2018: €510k
2019: €420k
2020: €507k
2021: €840k
2022: €727k
2023: €1.13M
2024: €1.28M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€968k-€1.29M▲ 33.5%€1.46M▲ 12.7%€1.60M▲ 10.0%€1.77M▲ 10.5%
Operating result€535k-€333k▼ 37.8%€493k▲ 48.0%€400k▼ 18.8%€357k▼ 10.9%
Net result€348k-€236k▼ 32.3%€316k▲ 34.1%€248k▼ 21.5%€169k▼ 32.0%
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 two years in a row; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.67M
Fixed assets
€665k ▼ 10.9%
Current assets
€2.00M ▲ 5.3%
Equity and liabilities €2.67M
Equity
€1.77M ▲ 10.5%
Debt
€896k ▼ 14.3%
Debt's share of the balance-sheet total falls from 39.5% to 33.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€444k▼
2024 · €485k
Cash flow
€256k▼
2024 · €333k
Current ratio
3.68▲
2024 · 3.06
Quick ratio
2.57▲
2024 · 2.04
Debt to equity
0.51▼
2024 · 0.65
ROE
9.5%▼
2024 · 15.5%
ROA
6.3%▼
2024 · 9.4%
Interest coverage
3.46▼
2024 · 10.12
Debt ≤ 1 year
€544k▼
2024 · €621k
Debt > 1 year
€352k▼
2024 · €425k
Income taxes
€75k▼
2024 · €113k
Staff costs
€224k▲
2024 · €223k
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 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.65M€2.67M▲
Fixed assets21/28€746k€665k▼
Tangible fixed assets22/27€746k€665k▼
Land and buildings22€549k€532k▼
Plant, machinery and equipment23€74k€52k▼
Furniture and vehicles24€124k€81k▼
Financial fixed assets28€38€0▼
Current assets29/58€1.90M€2.00M▲
Stocks and contracts in progress3€635k€602k▼
Stocks30/36€635k€602k▼
Amounts receivable within one year40/41€116k€90k▼
Trade receivables40€515€35k▲
Other amounts receivable41€115k€55k▼
Current investments50/53€200k€0▼
Cash at bank and in hand54/58€945k€1.31M▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.65M€2.67M▲
Equity10/15€1.60M€1.77M▲
Contributions10/11€25k€25k=
Reserves13€1.49M€1.66M▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€1.49M€1.66M▲
Profit (loss) carried forward14€87k€87k=
Amounts payable17/49€1.05M€896k▼
Amounts payable after more than one year17€425k€352k▼
Financial debts170/4€425k€352k▼
Amounts payable within one year42/48€621k€544k▼
Current portion of amounts payable after more than one year42€71k€73k▲
Trade debts44€387k€332k▼
Suppliers440/4€387k€332k▼
Advances received on contracts in progress46€55k€32k▼
Taxes, remuneration and social security45€98k€94k▼
Taxes450/3€68k€65k▼
Remuneration and social security454/9€30k€29k▼
Other amounts payable47/48€9k€14k▲
Income statement
Code20242025
Remuneration, social security and pensions62€223k€224k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€87k▲
Other operating charges640/8€12k€10k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€720k€678k▼
Operating profit (loss)9901€400k€357k▼
Financial income75/76B€9k€16k▲
Recurring financial income75€9k€16k▲
Financial charges65/66B€48k€128k▲
Recurring financial charges65€48k€128k▲
Non-recurring financial charges66B€450€0▼
Profit (loss) for the period before taxes9903€361k€244k▼
Income taxes67/77€113k€75k▼
Profit (loss) for the period9904€248k€169k▼
Profit (loss) for the period to be appropriated9905€248k€169k▼
Appropriation of the result
Profit (loss) to be appropriated9906€336k€256k▼
Profit (loss) brought forward from the previous period14P€87k€87k=
Transfer from equity791/2€103k€0▼
Transfer to equity691/2€248k€169k▼
To other reserves6921€248k€169k▼
Profit to be distributed694/7€103k€0▼
Return on contributions (dividend)694€103k€0▼
Social balance
Average headcount (FTE)90871.31.3=
The notes to these accounts (19 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 66 days late
2022
31-12
Financial
Equity above €1MEq €1.29M ▲33.5%
5 profitable years in a row build equity to €1.29M.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €348k ▲275%
Operating result €535k, net result €348k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 68 days late
2019
31-12
Financial
Weakest financial yearnet €52k ▼49.3%
Net result drops to €52k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €527k ▲11%
2 profitable years in a row build equity to €527k.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 1991
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.
Maria-Theresialei 17-192018 AntwerpenGround area
477 m²
Building footprint
246 m²
Volume, LiDAR
6,831 m³
Parcel 11808H1213/00N000, Flanders · tallest building 31.9 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
HOUBEN
since 19912.053.267.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1213/00N000 | Flanders | 477 m² | 1 · 246 m² | 31.9 m · 10 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.
Similar companies · same sector, comparable size
CAVRILO
BE 0458.979.551
Merchtem · Eq €1,766,812
Number4
BE 0866.177.435
Antwerpen · Eq €1,792,848
MULTI CLEVER TRADE
BE 0562.952.168
Sprimont · Eq €1,802,916
Etablissements Vidts
BE 0407.577.667
Lessines · Eq €1,732,574
SCHOENEN VERDIEVEL
BE 0820.947.721
Nieuwpoort · Eq €1,729,756
Of 6,503 companies in sector 47716 we hold annual accounts for 2,441. 815 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
Founded31-12-1990
Fiscal year end31-12
Activities, NACEBEL 2025
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47512Retail sale of household textiles and bedding
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.