Summary
Conclusion
the dossier summarised in one paragraphHOUSE OF CARDS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
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 08-06-2026, 53 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 10 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 | 08-06-2026 | 53 d early | 2026-00158126 |
| 31-12-2024 | 31-07-2025 | 08-07-2025 | 23 d early | 2025-00247188 |
| 31-12-2023 | 31-07-2024 | 28-08-2024 | 28 d late | 2024-00381405 |
| 31-12-2022 | 31-07-2023 | 15-03-2023 | 138 d early | 2023-00039649 |
| 31-12-2021 | 31-07-2022 | 27-06-2022 | 34 d early | 2022-20118880 |
| 31-12-2020 | 31-07-2021 | 11-06-2021 | 50 d early | 2021-18800365 |
| 31-12-2019 | 31-07-2020 | 01-07-2020 | 30 d early | 2020-24100314 |
| 31-12-2018 | 31-07-2019 | 12-07-2019 | 19 d early | 2019-31600050 |
| 31-12-2017 | 31-07-2018 | 04-07-2018 | 27 d early | 2018-27600145 |
| 30-12-2016 | 30-07-2017 | 26-06-2017 | 34 d early | 2017-21900185 |
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 signalsEstablished
Founded in 2012, 14 years in business.
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 everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (volledig). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | volledig | 08-06-2026 | 2026-00158126 |
| 31-12-2024 | volledig | 08-07-2025 | 2025-00247188 |
| 31-12-2023 | volledig | 28-08-2024 | 2024-00381405 |
| 31-12-2022 | volledig | 15-03-2023 | 2023-00039649 |
| 31-12-2021 | volledig | 27-06-2022 | 2022-20118880 |
| 31-12-2020 | volledig | 11-06-2021 | 2021-18800365 |
| 31-12-2019 | volledig | 01-07-2020 | 2020-24100314 |
| 31-12-2018 | volledig | 12-07-2019 | 2019-31600050 |
| 31-12-2017 | volledig | 04-07-2018 | 2018-27600145 |
| 30-12-2016 | volledig | 26-06-2017 | 2017-21900185 |
Directors
Directors & mandates
7 directorsCurrent directors & mandates
-
PAPERCUT BVLegal entityDirector· perm. rep.: Thijs JONCKHEEREState Gazette act 25149983 (26-11-2025)Current01-11-2025 → present
2 events
- 01-11-2025 Appointed· Director
- 01-11-2025 Appointed· Managing director
-
PIMPERNOOT BVLegal entityDirector· perm. rep.: Lies JONCKHEEREState Gazette act 25149983 (26-11-2025)Current01-11-2025 → present
-
VIERVELD BVLegal entityDirector· perm. rep.: Klaas JONCKHEEREState Gazette act 25149983 (26-11-2025)Current01-11-2025 → present
2 events
- 01-11-2025 Appointed· Director
- 01-11-2025 Appointed· Managing director
-
Current04-05-2023 → present
2 events
- 04-05-2023 Resigned· Director
- 04-05-2023 Appointed· Director
-
Current04-05-2023 → present
2 events
- 04-05-2023 Resigned· Director
- 04-05-2023 Appointed· Director
Former directors (2)
-
Former27-12-2017 → 31-12-2025
4 events
- 31-12-2025 Resigned· Director
- 31-12-2025 Resigned· Managing director
- 31-03-2023 Appointed· Managing director
- 27-12-2017 Appointed· Managing director
-
Former27-12-2017 → 31-12-2025
4 events
- 31-12-2025 Resigned· Director
- 31-12-2025 Resigned· Managing director
- 31-03-2023 Appointed· Managing director
- 27-12-2017 Appointed· Managing director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
2 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| VGD Bedrijfsrevisoren BVCurrent Company auditor · represented by Peter Vandewalle |
- | 31-03-2023 → present |
Show 1 earlier auditors
| VGD Bedrijfsrevisoren BV CVBA Company auditor · represented by Peter Vandewalle succeeded by VGD Bedrijfsrevisoren BV in 2023 |
- | 27-12-2017 → 31-03-2023 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Public limited company(014) |
| Incorporation | 09-05-2012 |
| Status | Active |
| Postal code | 8730 |
Structure & network
Connections & network
4 connected companiesGroup structure
We sit on their board · 1 location
→
We sit on their board · 1 location
→
We sit on their board · 1 location
→
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
4 partiesHOUSE OF CARDSBE 0845.845.542
controls
Where this company holds controlthis company sits on their board4
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Puipaert 108730 BeernemEstablishment units
2 locationsHOUSE OF CARDS
since 20122.209.852.317
HOUSE OF CARDS
since 20172.263.467.482
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area1.1 ha
Buildings2
Building footprint2,796 m²
Volume (LiDAR)1,776 m³
Tallest building6.9 m · ±1 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31003C0688/00F000 | Flanders | 5,844 m² | 1 · 410 m² | 6.9 m · 1 fl. |
| 31030A0326/00R000 | Flanders | 5,084 m² | 1 · 2,386 m² | - |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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
3 acts Capital history · 1
11-01-2018
v3.2
All acts · 3
updated 8 months ago
2025
26-11-2025 5 directors appointed, 4 resigning
- Lies JONCKHEERE, Bestuurder
- Thijs JONCKHEERE, Bestuurder
- Klaas JONCKHEERE, Bestuurder
- Thijs JONCKHEERE, Gedelegeerd bestuurder
- Klaas JONCKHEERE, Gedelegeerd bestuurder
- Jan JONCKHEERE, Bestuurder
- Greta DEPREST, Bestuurder
- Jan JONCKHEERE, Gedelegeerd bestuurder
Summary:
v3.2
2023
04-05-2023 2 directors appointed, 2 resigning
- JONCKHEERE Jan Frans Simon, Bestuurder
- DEPREST Greta Elisabeth Annie, Bestuurder
- JONCKHEERE Jan Frans Simon, Bestuurder
- DEPREST Greta Elisabeth Annie, Bestuurder
Summary:
v3.2
2018
11-01-2018 Capital decrease of €148,734.42 to €86,791.05
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0833.013.234 · Beernem
BE 0830.888.142 · Beernem
BE 0676.772.859 · Beernem
BE 0778.633.846 · Beernem
BE 0799.818.151 · Beernem
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,581 of the 24,688 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameNL | HOUSE OF CARDS |
Registered office
Puipaert 10
8730 Beernem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.