Age3 yrs
Real estate1 parcel · 869 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of HOUT VAN MAELE is 1.5% (moderate). The 2025 annual accounts show equity of €242k and a net result of €40k. Its solvency ranks better than 47% of 338 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-05-2026, 79 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 13-05-2026 | 79 d early | 2026-00110127 |
| 31-12-2024 | 31-07-2025 | 19-05-2025 | 73 d early | 2025-00097601 |
| 31-12-2023 | 31-07-2024 | 24-07-2024 | 7 d early | 2024-00280195 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone1.5%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€40k+13.9%
Working capital€469k-18.7%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 13-05-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 46, Wholesale trade · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 32.9% | 36.5% | |
| Net result | €40k | €44k | |
| Equity | €242k | €279k | |
| Gross operating margin | €316k | €244k | |
| Staff costs | €241k | €174k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€72k
-7.6%
24-25
€40k
+13.9%
24-25
€72k
+3.4%
24-25
€737k
-5.5%
24-25
€242k
-32.4%
24-25
€469k
-18.7%
24-25
4
-2.5%
24-25
€241k
+8.0%
24-25
Show 12 other metrics
€26k
+22.1%
24-25
€156k
+87.3%
24-25
€494k
+17.5%
24-25
€246k
+56.4%
24-25
€233k
-5.4%
24-25
2.90
-37.7%
24-25
0.96
-50.7%
24-25
32.9%
-28.5%
24-25
2.04
+73.8%
24-25
16.4%
+68.6%
24-25
5.4%
+20.5%
24-25
5.00
+17.0%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €72k |
| Net profit | €40k |
| Cash flow | €72k |
| Staff costs | €241k |
| Income taxes | €26k |
| Dividends | €156k |
| Total assets | €737k |
| Equity | €242k |
| Debt | €494k |
| of which ≤ 1y | €246k |
| of which > 1y | €233k |
| Working capital | €469k |
| Employees (FTE) | 3.9 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.90 |
| Quick ratio | 0.96 |
| Working capital ratio | 63.7% |
| Solvency | 32.9% |
| Debt / equity | 2.04 |
| Long-term debt ratio | 0.96 |
| Interest coverage | 5.00 |
| Gross margin | - |
| Net margin | - |
| ROA | 5.4% |
| ROE | 16.4% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €737k |
| Fixed assets | 21/28 | €21k |
| Intangible fixed assets | 21 | €6k |
| Tangible fixed assets | 22/27 | €16k |
| Current assets | 29/58 | €715k |
| Stocks & contracts in progress | 3 | €479k |
| Amounts receivable within one year | 40/41 | €192k |
| Cash & bank | 54/58 | €42k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €737k |
| Equity | 10/15 | €242k |
| Contributions / capital | 10/11 | €90k |
| Reserves | 13 | €152k |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €494k |
| Amounts payable after one year | 17 | €233k |
| Amounts payable within one year | 42/48 | €246k |
| Trade debts payable within one year | 44 | €9k |
| Income statement | ||
| Gross operating margin | 9900 | €316k |
| Operating result | 9901 | €39k |
| Financial income | 75 | €41k |
| Financial charges | 65 | €14k |
| Result before taxes | 9903 | €65k |
| Income taxes | 67/77 | €26k |
| Net result for the period | 9904 | €40k |
| Result to be appropriated | 9905 | €40k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed83
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationHOUT VAN MAELE
since 20232.347.117.314
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area869 m²
Buildings1
Building footprint258 m²
Volume (LiDAR)1,558 m³
Tallest building9.0 m · ±2 fl.
Real-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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31025G0156/00S002 | Flanders | 869 m² | 1 · 258 m² | 9.0 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 7 months ago
2025
30-12-2025 Change in the board of directors
Summary:
v3.2
2023
12-07-2023 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
5 of 5 axes measured78
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
83
Profitability
82
Solvency
74
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 71 of the 856 companies in this sector. 50 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Groothandel in hout46732Groothandel in hout46832Zagen en schaven van hout16100Zagen en schaven van hout16110Vervaardiging van ander schrijn- en timmerwerk16230Vervaardiging van ander schrijn- en timmerwerk16230Detailhandel in houten bouw- en tuinmaterialen in gespecialiseerde winkels47522Detailhandel in houten bouw- en tuinmaterialen47522
Primary activity highlighted.
Names & trade names
| Legal nameNL | HOUT VAN MAELE |
Registered office
Sint-Elooisstraat 90
8020 Oostkamp, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.