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Charpente Habitat

Active
Private limited companyfounded 2002active for 24 yearsRue de la Poterie Monseu(PIE) 32, 7100 La Louvière, BelgiumKBO/BCE: BE 0477.398.564
Summary

Charpente Habitat has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €154,773 and a net result of €46,474. Equity has been growing by about 15% per year since 2018. Its solvency ranks better than 25% of 2,797 sector peers (NACE 41, financial year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

Overview

Official details

Source: KBO
Status
Active since 24-04-2002 Normal situation
Activity
General construction of residential buildings NACE 41001
Establishment unit
2.099.033.775 7100 La Louvière, since 21-05-2002
Financial year end
31 December
Peppol
Reachable since 21-10-2026

Board and ownership

Board

Financial position

69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.7%
Annual accounts 2025
Turnover
€1.1m
▲ 18.0%
Profit
€46,474
Equity
€154,773
▲ 270%
Total assets
€890,626
▲ 9.0%
Employees on 31-12-2025
8
▼ 11.1%
Score breakdownraises riskSector: Construction of residential and non-residential buildings (NACE 41)Equity €154,773 (17.4% of total assets)Size: turnover €1.1m, 7.8 FTE, total assets €890,626lowers riskFounded in 2002Show the evidence

Checked score

Score 2025
69 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 52% of micro companies in construction of buildings (NACE 41)
Financial strength · tick: 2024
Average
Solvency 42+12
equity 17.4% of total assets
Liquidity 61+18
short-term debt 23.1% · cash 15.3%
Profitability 66+45
return on assets 5.2%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%

About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 12-2024: 2.4% 01-2025: 2.4%● unchanged vs 12-2024 02-2025: 1.6%▼ -0.8 percentage points vs 01-2025 03-2025: 1.6%● unchanged vs 02-2025 04-2025: 1.6%● unchanged vs 03-2025 05-2025: 1.5%▼ -0.1 percentage points vs 04-2025 06-2025: 1.4%▼ -0.1 percentage points vs 05-2025 07-2025: 2.4%▲ +1.0 percentage point vs 06-2025 08-2025: 2.4%● unchanged vs 07-2025 09-2025: 2.4%● unchanged vs 08-2025 10-2025: 2.4%● unchanged vs 09-2025 11-2025: 2.4%● unchanged vs 10-2025 12-2025: 2.4%● unchanged vs 11-2025 01-2026: 2.4%● unchanged vs 12-2025 02-2026: 2.4%● unchanged vs 01-2026 03-2026: 2.4%● unchanged vs 02-2026 04-2026: 2.5%▲ +0.1 percentage points vs 03-2026highest value 05-2026: 2.4%▼ -0.1 percentage points vs 04-2026 06-2026: 2.3%▼ -0.1 percentage points vs 05-2026 07-2026: 2.5%▲ +0.2 percentage points vs 06-2026 08-2026: 0.7%▼ -1.8 percentage points vs 07-2026lowest value 09-2026: 0.7%● unchanged vs 08-2026lowest value 10-2026: 0.7%● unchanged vs 09-2026lowest value 11-2026: 0.7%● unchanged vs 10-2026lowest value
Credit of up to €10,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.83 (0.21 in 2024), below 1. Short-term debt is 23.1% and cash 15.3% of total assets. 82.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 24% of them on solvency, 66% on liquidity, 37% on profitability and 80% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 2002
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Equity €154,773 (17.4% of total assets)
NBB · annual accounts
raises risk · Size: turnover €1.1m, 7.8 FTE, total assets €890,626
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
21 days early
2024
34 days early
2023
16 days early
2022
22 days late
2021
18 days early
2020
2 days late
2019
30 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 14 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Equity rose in 2025from €41,781 to €154,773 ▲ 270% View
  • Caution: A director leftlatest change 30-09-2026 · 1 in office 1 left View

Recent changes

  1. · Gazette deed Resignation: Bayens Gille's (director)
  2. · Gazette deed Company renamed from AQU’HABITAT to CHARPENTE HABITATRegistered office moved from Binche to Haine-Saint-Pierre · New seat: 7100 Haine-Saint-Pierre, rue Poterie Monseu, 32 · Previous seat: 7130 Binche, rue Saint-Jacques, 34
  3. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as Charpente Habitat: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €566,000 and €1.1m, founded between 2000 and 2007.

CompanyTotal assetsGross margin
Charpente Habitat La Louvière€0.9m€0.4m
VW Construct Lommel€0.9m€0.4m
D.P.E.DIVING Thuin€1.1m€0.7m
RENOVA V.F. Manage€0.6m€0.5m
B.A.O. Group Edegem€0.9m€0.4m
FAGOO Eghezée€0.9m€0.4m
BOUWBEDRIJF VANGAMPELAERE MARTIN De Haan€0.7m€0.4m
Full comparison

Key facts about Charpente Habitat

What is the company number of Charpente Habitat?
The company number of Charpente Habitat is 0477.398.564. The VAT number is the same number with BE in front: BE 0477.398.564.
Where is Charpente Habitat based?
The registered office is at Rue de la Poterie Monseu(PIE) 32, 7100 La Louvière.Company details
What does Charpente Habitat do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of Charpente Habitat?
The legal form of Charpente Habitat is Private limited company (BV).
When was Charpente Habitat founded?
Charpente Habitat was founded on 24-04-2002.
Is Charpente Habitat still active?
Yes, Charpente Habitat is an active enterprise in the KBO register.
How many employees does Charpente Habitat have?
Charpente Habitat had an average of 7.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Charpente Habitat?
The turnover of Charpente Habitat was €1.1m in financial year 2025, according to the filed annual accounts.
Is Charpente Habitat profitable?
In financial year 2025, Charpente Habitat made a profit of €46,474.
Where can I find the annual accounts of Charpente Habitat?
Charpente Habitat filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Charpente Habitat due?
Charpente Habitat must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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