HET HOUTSCHE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €260k and a net result of €65k. Equity is growing by ~15.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 3321 sector peers (fiscal year 2024). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2022
116 d late
2021
152 d late
2020
76 d late
2019
88 d late
2018
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€260k▲ 43.2%
2022 · €182k
2018: €89k
2019: €125k
2020: €155k
2021: €167k
2022: €182k
2018 → 2024
Net result
€65k▲ 67.8%
2022 · €39k
2018: €32k
2019: €70k
2020: €58k
2021: €33k
2022: €39k
2018 → 2024
Total assets
€1.06M▲ 69.5%
2022 · €626k
2018: €782k
2019: €904k
2020: €869k
2021: €778k
2022: €626k
2018 → 2024
Solvency
24.5%▼ 4.5pp
2022 · 29.0%
2018: 11.4%
2019: 13.8%
2020: 17.8%
2021: 21.5%
2022: 29.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222024Trend
Equity€125k-€155k▲ 24.1%€167k▲ 8.0%€182k▲ 8.6%€260k▲ 43.2%
Operating result€94k-€78k▼ 17.5%€46k▼ 41.4%€51k▲ 12.8%€93k▲ 80.3%
Net result€70k-€58k▼ 16.9%€33k▼ 42.3%€39k▲ 16.2%€65k▲ 67.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €93k in 2024, compared with €51k in 2022. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2024 in colour, 2022 as the grey bar beneath
Assets €1.06M
Fixed assets
€841k▲ 58.0%
Current assets
€220k▲ 135%
Equity and liabilities €1.06M
Equity
€260k▲ 43.2%
Debt
€800k▲ 80.2%
The debt ratio rises from 71.0% to 75.5%. Equity and debt are higher.
Key figures and ratios
Solvency
24.5%▼
2022 · 29.0%
ROE
25.0%▲
2022 · 21.4%
ROA
6.1%▼
2022 · 6.2%
Debt
€800k▲
2022 · €444k
Debt ≤ 1 year
€214k▲
2022 · €71k
Debt > 1 year
€586k▲
2022 · €373k
Income taxes
€9k▲
2022 · €6k
Staff costs
€350k▲
2022 · €344k
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 · 2024 against 2022
Balance sheet
Code20222024
Assets
Total assets20/58€626k€1.06M▲
Fixed assets21/28€532k€841k▲
Intangible fixed assets21€488k€310k▼
Tangible fixed assets22/27€44k€530k▲
Land and buildings22€32k€497k▲
Plant, machinery and equipment23€12k€8k▼
Furniture and vehicles24€155€25k▲
Current assets29/58€94k€220k▲
Amounts receivable within one year40/41€34k€58k▲
Trade receivables40€20k€57k▲
Other amounts receivable41€14k€820▼
Cash at bank and in hand54/58€59k€162k▲
Deferred charges and accrued income490/1€403€247▼
Equity and liabilities
Total equity and liabilities10/49€626k€1.06M▲
Equity10/15€182k€260k▲
Contributions10/11€20k€20k=
Capital10€20k€20k=
Issued capital100€20k€20k=
Reserves13€162k€240k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€160k€238k▲
Amounts payable17/49€444k€800k▲
Amounts payable after more than one year17€373k€586k▲
Financial debts170/4€373k€586k▲
Amounts payable within one year42/48€71k€214k▲
Financial debts43€26k€100k▲
Credit institutions430/8-€100k
Other loans439€26k-
Trade debts44€18k€15k▼
Suppliers440/4€18k€15k▼
Taxes, remuneration and social security45€2k€19k▲
Taxes450/3-€9k
Remuneration and social security454/9€2k€9k▲
Other amounts payable47/48€24k€80k▲
Income statement
Code20222024
Remuneration, social security and pensions62€344k€350k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€103k€113k▲
Other operating charges640/8€6k€34k▲
Gross operating margin9900€505k€590k▲
Operating profit (loss)9901€51k€93k▲
Financial income75/76B€2€14▲
Recurring financial income75€2€14▲
Financial charges65/66B€7k€18k▲
Recurring financial charges65€7k€18k▲
Profit (loss) for the period before taxes9903€45k€74k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€39k€65k▲
Profit (loss) for the period to be appropriated9905€39k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€65k▲
Profit (loss) brought forward from the previous period14P€12k-
Transfer to equity691/2€27k€25k▼
To other reserves6921€27k€25k▼
Profit to be distributed694/7€24k€40k▲
Directors or managers695€24k€40k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €200kEq €260k ▲43.2%
6 profitable years in a row build equity to €260k.
2023
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 116 days late
2022
30-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 152 days late
2021
15-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 76 days late
2020
31-12
Financial
Equity above €150kEq €155k ▲24.1%
3 profitable years in a row build equity to €155k.
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
31-12
Financial
Highest result since 2018net €70k ▲115%
Operating result €94k, net result €70k, both a record.
31-12
Financial
Equity above €100kEq €125k ▲39.9%
2 profitable years in a row build equity to €125k.
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zedelgem · 2 establishment units since 2003
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.
Stationsstraat 248210 ZedelgemGround area
1,614 m²
Building footprint
450 m²
Volume, LiDAR
2,269 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Het Houtsche
since 20032.123.224.684
Stationsstraat 70, 8020 Oostkamp
since 20202.297.873.481
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022I0420/00F000 | Flanders | 1,286 m² | 1 · 200 m² | 8.3 m · 2 fl. |
| 31017B0494/00_000 | Flanders | 328 m² | 1 · 250 m² | 10.9 m · 1 fl. |
Linked by address, not proof of ownership
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.
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,774 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2002
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:050841941
Fax:050825043