HOUTHANDEL SEGERS
ActiveSummary
HOUTHANDEL SEGERS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.78M and a net result of €307k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 276 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 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
Profitability80▲+1
Solvency100▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 4.78 against 2.78 in 2024; short-term debt: 15.7% and cash: 13.2% of total assets), and 17.9% 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 · 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
82.1%
Return on assets
9%
Age of the figures
9 mo
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 16
Relative position
BE, all sectors
reference
Sector 16
higher
← fewer bankruptcies
more bankruptcies →
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 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
56 d early
2023
16 d early
2022
23 d late
2021
12 d late
2020
12 d late
2019
27 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
Turnover
€4.96M
EBIT margin
6.9%
Net result
€307k▼ 1.2%
2024 · €311k
2018: €205k
2019: €190k
2020: €181k
2021: €425k
2022: €117k
2023: €118k
2024: €311k
2018 → 2025
Working capital
€2.01M▲ 11.3%
2024 · €1.81M
2018: €2.43M
2019: €2.43M
2020: €2.47M
2021: €2.73M
2022: €1.78M
2023: €1.68M
2024: €1.81M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.77M-€2.09M▼ 24.5%€2.21M▲ 5.7%€2.50M▲ 13.2%€2.78M▲ 11.5%
Operating result€590k-€161k▼ 72.8%€218k▲ 35.2%€358k▲ 64.7%€333k▼ 7.0%
Net result€425k-€117k▼ 72.5%€118k▲ 0.9%€311k▲ 163%€307k▼ 1.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.39M
Fixed assets
€851k ▼ 3.2%
Current assets
€2.54M ▼ 9.9%
Equity and liabilities €3.39M
Equity
€2.78M ▲ 11.5%
Debt
€608k ▼ 49.4%
Debt's share of the balance-sheet total falls from 32.5% to 17.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€442k▲
2024 · €436k
Cash flow
€415k▲
2024 · €388k
Current ratio
4.78▲
2024 · 2.78
Quick ratio
2.79▲
2024 · 1.67
Debt to equity
0.22▼
2024 · 0.48
ROE
11.0%▼
2024 · 12.4%
ROA
9.0%▲
2024 · 8.4%
Interest coverage
45.24▲
2024 · 18.36
Debt ≤ 1 year
€532k▼
2024 · €1.01M
Debt > 1 year
€77k▼
2024 · €176k
Income taxes
€98k▲
2024 · €89k
Staff costs
€501k▲
2024 · €444k
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€3.70M€3.39M▼
Fixed assets21/28€879k€851k▼
Tangible fixed assets22/27€879k€851k▼
Land and buildings22€546k€536k▼
Plant, machinery and equipment23€289k€242k▼
Furniture and vehicles24€44k€73k▲
Current assets29/58€2.82M€2.54M▼
Stocks and contracts in progress3€1.13M€1.06M▼
Stocks30/36€1.13M€1.06M▼
Amounts receivable within one year40/41€933k€888k▼
Trade receivables40€847k€814k▼
Other amounts receivable41€85k€74k▼
Current investments50/53€185k€150k▼
Cash at bank and in hand54/58€564k€447k▼
Deferred charges and accrued income490/1€8k€119▼
Equity and liabilities
Total equity and liabilities10/49€3.70M€3.39M▼
Equity10/15€2.50M€2.78M▲
Contributions10/11€62k€62k=
Reserves13€1.48M€1.48M=
Non-distributable reserves130/1€86k€86k=
Reserves not available under the articles1311€86k€86k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€1.38M€1.38M=
Profit (loss) carried forward14€950k€1.24M▲
Amounts payable17/49€1.20M€608k▼
Amounts payable after more than one year17€176k€77k▼
Financial debts170/4€176k€77k▼
Amounts payable within one year42/48€1.01M€532k▼
Current portion of amounts payable after more than one year42€143k€99k▼
Financial debts43€59k-
Credit institutions430/8€59k-
Trade debts44€311k€205k▼
Suppliers440/4€311k€205k▼
Taxes, remuneration and social security45€101k€96k▼
Taxes450/3€55k€36k▼
Remuneration and social security454/9€46k€61k▲
Other amounts payable47/48€400k€131k▼
Accrued charges and deferred income492/3€12k-
Income statement
Code20242025
Non-recurring operating income76A€14k-
Remuneration, social security and pensions62€444k€501k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€108k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€7k▲
Other operating charges640/8€69k€76k▲
Non-recurring operating charges66A€17k€10k▼
Gross operating margin9900€969k€1.04M▲
Operating profit (loss)9901€358k€333k▼
Financial income75/76B€64k€81k▲
Recurring financial income75€64k€81k▲
Financial charges65/66B€24k€10k▼
Recurring financial charges65€24k€10k▼
Profit (loss) for the period before taxes9903€399k€405k▲
Income taxes67/77€89k€98k▲
Profit (loss) for the period9904€311k€307k▼
Profit (loss) for the period to be appropriated9905€311k€307k▼
Appropriation of the result
Profit (loss) to be appropriated9906€970k€1.26M▲
Profit (loss) brought forward from the previous period14P€660k€950k▲
Profit to be distributed694/7€20k€20k=
Directors or managers695€20k€20k=
Social balance
Average headcount (FTE)90877.58.3▲
The notes to these accounts (8 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €117k ▼72.5%
Net result drops to €117k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €425k ▲134%
Operating result €590k, net result €425k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
31-12
Financial
Equity above €2MEq €2.16M ▲9.6%
2 profitable years in a row build equity to €2.16M.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 6 days late
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 9 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Schoten · 1 establishment unit since 2001
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.
Sluizenstraat 1132900 SchotenGround area
6,695 m²
Building footprint
2,238 m²
Volume, LiDAR
17,480 m³
Parcel 11040D0481/00E000, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOUTHANDEL SEGERS
since 20012.101.270.121
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0481/00E000 | Flanders | 6,695 m² | 1 · 2,238 m² | 10.7 m · 3 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
BELGAPACK
BE 0889.412.992
Oudenaarde · Eq €2.80M
LENZO
BE 0417.519.771
Heusden-Zolder · Eq €2.84M
HORATEC
BE 0867.686.675
Kuurne · Eq €2.92M
Scierie de Graide-Station
BE 0408.441.264
Bièvre · Eq €2.93M
Houthandel Hendricks en Co
BE 0400.703.931
Mechelen · Eq €2.94M
Of 663 companies in sector 16110 we hold annual accounts for 320. 168 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
Founded19-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
16110Sawmilling and planing of wood
46832Wholesale of timber
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.