BOUWONDERNEMING HOUBLON
ActiveThe computed 12-month bankruptcy probability of BOUWONDERNEMING HOUBLON is 2.0% (moderate). The 2025 annual accounts show equity of €17k and a net result of €11k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 53% of 7415 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+42
Solvency71▼-20
Growth42▲+10
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 2.73 in 2024; short-term debt: 53.5% and cash: 42.7% of total assets), but 53.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 41
Relative position
BE, all sectors
reference
Sector 41
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
46.1%
Return on assets
29.3%
Age of the figures
9 mo
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 28-05-2026, 64 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
64 d early
2024
1 d late
2023
7 d early
2022
5 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▲ 12.1%
2024 · €15k
2022: €17k
2023: €17k
2024: €15k
2022 → 2025
Total assets
€37k▲ 59.9%
2024 · €23k
2022: €36k
2023: €32k
2024: €23k
2022 → 2025
Net result
€11k
2024 · €-2k
2022: €11k
2023: €107
2024: €-2k
2022 → 2025
Working capital
€16k▲ 20.0%
2024 · €13k
2022: €11k
2023: €13k
2024: €13k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€17k-€17k▲ 0.6%€15k▼ 11.3%€17k▲ 12.1%
Operating result€16k-€76▼ 99.5%€-2k€13k
Net result€11k-€107▼ 99.1%€-2k€11k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €13k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€1k▼ 42.1%
Current assets
€36k▲ 71.1%
Equity and liabilities €37k
Equity
€17k▲ 12.1%
Debt
€20k▲ 152%
The debt ratio rises from 34.2% to 53.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€14k▲
2024 · €2k
Cash flow
€12k▲
2024 · €2k
Solvency
46.1%▼
2024 · 65.8%
Current ratio
1.80▼
2024 · 2.73
Quick ratio
1.80▼
2024 · 2.73
Debt / equity
1.17▲
2024 · 0.52
ROE
63.6%▲
2024 · -12.8%
ROA
29.3%▲
2024 · -8.4%
Interest coverage
200.82▲
2024 · 32.58
Debt
€20k▲
2024 · €8k
Debt ≤ 1 year
€20k▲
2024 · €8k
Income taxes
€3k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€23k€37k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€719€149▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€21k€36k▲
Amounts receivable within one year40/41€3k€18k▲
Trade receivables40€855€17k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€15k€16k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€23k€37k▲
Equity10/15€15k€17k▲
Contributions10/11€6k€6k=
Reserves13€11k€11k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-2k-
Amounts payable17/49€8k€20k▲
Amounts payable within one year42/48€8k€20k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45-€3k
Taxes450/3-€1k
Remuneration and social security454/9-€2k
Other amounts payable47/48€6k€15k▲
Accrued charges and deferred income492/3€293€123▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€975▼
Other operating charges640/8€774€707▼
Non-recurring operating charges66A-€151
Gross operating margin9900€2k€15k▲
Operating profit (loss)9901€-2k€13k▲
Financial income75/76B€64€146▲
Recurring financial income75€64€146▲
Financial charges65/66B€48€72▲
Recurring financial charges65€48€72▲
Profit (loss) for the period before taxes9903€-2k€14k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-2k€11k▲
Profit (loss) for the period to be appropriated9905€-2k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€9k▲
Profit (loss) brought forward from the previous period14P-€-2k
Transfer from equity791/2€107-
Profit to be distributed694/7-€9k
Return on contributions (dividend)694-€9k
The notes to these accounts (6 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼1945%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2021
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.
Alfons Verbovenstraat 183012 LeuvenGround area
146 m²
Building footprint
72 m²
Volume, LiDAR
442 m³
Parcel 24126D0044/00Z000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BOUWONDERNEMING HOUBLON
since 20212.325.541.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24126D0044/00Z000 | Flanders | 146 m² | 1 · 72 m² | 9.8 m · 2 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.
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2021
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.