HOUARI
Open bankruptcyA bankruptcy procedure is open for HOUARI according to publications in the Belgian State Gazette; curator: GUY VANHOUCKE.
Summary
The file additionally contains 1 administrative flag. The 2025 annual accounts show equity of €29,415 and a net result of €31,089.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Antwerp, Antwerp division
- Declared bankrupt
- 19 December 2024
- Supervising judge
- Joris De Fre
- Official Gazette
- 30-12-2024 (pdf) ↗search the document for 2024/151272
Deadlines
- Provisional date payments stopped
- 19 December 2024A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 14 January 2025Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 18 January 2025art. XX.104 and XX.155 CEL
- First verification report
- passed on 14 February 2025Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- passed on 19 December 2025Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Guy VanhouckeAnselmostraat 2, 2018 Antwerpen 1guy.vanhoucke@vanhoucke-law.be
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
85 d late
2023
49 d late
2022
210 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 78 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Checked, nothing found (1)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
What became of the directors' other companies?Supplier due diligence Who ran this company, and where was it based, on a date before the end?Company as of a date Is the registered address a letterbox address or a business centre?Addresses Are there other customers at risk in your own list?List enrichment How is the Retail sale of bread and pastry (bakery outlets) sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Turnover
€942,416▼ 32.6%
2022 · €1.4m
EBIT margin
-2.7%▼ 4.3pp
2022 · 1.5%
Net result
€31,089▲ 424%
2024 · €5,934
Working capital
€1,173
2024 · -€34,068
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Turnover€1.4m-€942,416▼ 32.6%
Operating result€21,281--€25,801€6,894€34,533▲ 401%
Net result€16,604within the sector's middle half--€26,212below the sector's middle half€5,934within the sector's middle half€31,089above the sector's middle half▲ 424%
EBIT margin1.5%--2.7%▼ 4.3pp
Equity€18,604within the sector's middle half--€7,608below the sector's middle half-€1,674below the sector's middle half▲ 78.0%€29,415within the sector's middle half
Total assets€74,655within the sector's middle half-€87,452within the sector's middle half▲ 17.1%€34,472below the sector's middle half▼ 60.6%€175,026within the sector's middle half▲ 408%
Debt€56,051-€95,060▲ 69.6%€36,146▼ 62.0%€145,611▲ 303%
Working capital-€19,672below the sector's middle half--€42,943below the sector's middle half▼ 118%-€34,068below the sector's middle half▲ 20.7%€1,173within the sector's middle half
Solvency24.9%within the sector's middle half--8.7%below the sector's middle half▼ 33.6pp-4.9%below the sector's middle half▲ 3.8pp16.8%within the sector's middle half▲ 21.7pp
Current ratio0.65below the sector's middle half-0.55below the sector's middle half▼ 0.100.06below the sector's middle half▼ 0.491.01within the sector's middle half▲ 0.95
Return on assets (ROA)22.2%above the sector's middle half--30.0%below the sector's middle half▼ 52.2pp17.2%above the sector's middle half▲ 47.2pp17.8%above the sector's middle half▲ 0.5pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 401% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175,026
Fixed assets
€29,992 ▼ 7.4%
Current assets
€145,035 ▲ 6,880%
Equity and liabilities €175,026
Equity
€29,415
Debt
€145,611
Debt finances 83.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€36,975▲
2024 · €9,834
Cash flow
€33,531▲
2024 · €8,874
Quick ratio
1.00▲
2024 · 0.02
Debt to equity
4.95▲
2024 · -21.59
ROE
105.7%
Interest coverage
79.87▲
2024 · 10.24
Debt ≤ 1 year
€143,861▲
2024 · €36,146
Income taxes
€3,091
Staff costs
€155,181▲
2024 · €144,829
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | €1.4m | €942,416 | - | - | - |
| Goods, raw materials, services and sundry goods60/61 | €1.0m | €758,999 | - | - | - |
| Remuneration, social security and pensions62 | €315,440 | €205,015 | €144,829 | €155,181 | ▲ 7.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,636 | €2,941 | €2,941 | €2,442 | ▼ 17.0% |
| Other operating charges640/8 | €10,279 | €1,263 | €771 | €236 | ▼ 69.4% |
| Gross operating margin9900 | €352,636 | €183,417 | €155,434 | €192,392 | ▲ 23.8% |
| Operating profit (loss)9901 | €21,281 | -€25,801 | €6,894 | €34,533 | ▲ 401% |
| Financial income75/76B | - | - | - | €110 | - |
| Recurring financial income75 | - | - | - | €110 | - |
| Financial charges65/66B | €526 | €411 | €960 | €463 | ▼ 51.8% |
| Recurring financial charges65 | €526 | €411 | €960 | €463 | ▼ 51.8% |
| Profit (loss) for the period before taxes9903 | €20,755 | -€26,212 | €5,934 | €34,180 | ▲ 476% |
| Income taxes67/77 | €4,151 | - | - | €3,091 | - |
| Profit (loss) for the period9904 | €16,604 | -€26,212 | €5,934 | €31,089 | ▲ 424% |
| Profit (loss) for the period to be appropriated9905 | €16,604 | -€26,212 | €5,934 | €31,089 | ▲ 424% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €74,655 | €87,452 | €34,472 | €175,026 | ▲ 408% |
| Fixed assets21/28 | €38,275 | €35,336 | €32,394 | €29,992 | ▼ 7.4% |
| Tangible fixed assets22/27 | €23,275 | €20,335 | €17,394 | €14,952 | ▼ 14.0% |
| Plant, machinery and equipment23 | €19,773 | €17,327 | €14,881 | €12,884 | ▼ 13.4% |
| Other tangible fixed assets26 | €3,502 | €3,008 | €2,513 | €2,068 | ▼ 17.7% |
| Financial fixed assets28 | €15,000 | €15,001 | €15,000 | €15,039 | ▲ 0.3% |
| Current assets29/58 | €36,379 | €52,116 | €2,078 | €145,035 | ▲ 6,880% |
| Stocks and contracts in progress3 | - | - | €1,251 | €1,251 | = |
| Stocks30/36 | - | - | €1,251 | €1,251 | = |
| Amounts receivable within one year40/41 | €13,394 | €45,021 | - | €143,321 | - |
| Trade receivables40 | - | - | - | €120,995 | - |
| Other amounts receivable41 | €13,394 | €45,021 | - | €22,326 | - |
| Cash at bank and in hand54/58 | €22,985 | €7,095 | €827 | €464 | ▼ 44.0% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €74,655 | €87,452 | €34,472 | €175,026 | ▲ 408% |
| Equity10/15 | €18,604 | -€7,608 | -€1,674 | €29,415 | ▲ 1,857% |
| Contributions10/11 | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Profit (loss) carried forward14 | €16,604 | -€9,608 | -€3,674 | €27,415 | ▲ 846% |
| Amounts payable17/49 | €56,051 | €95,060 | €36,146 | €145,611 | ▲ 303% |
| Amounts payable within one year42/48 | €56,051 | €95,060 | €36,146 | €143,861 | ▲ 298% |
| Trade debts44 | €13,214 | €24,455 | €505 | €43,952 | ▲ 8,604% |
| Suppliers440/4 | €13,214 | €24,455 | €505 | €43,952 | ▲ 8,604% |
| Taxes, remuneration and social security45 | €4,151 | €4,308 | €31,985 | €80,696 | ▲ 152% |
| Taxes450/3 | €4,151 | €4,308 | €31,985 | €25,738 | ▼ 19.5% |
| Remuneration and social security454/9 | - | - | - | €54,957 | - |
| Other amounts payable47/48 | €38,686 | €66,297 | €3,656 | €19,213 | ▲ 426% |
| Accrued charges and deferred income492/3 | - | - | - | €1,750 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €16,604 | -€26,212 | €5,934 | €31,089 | ▲ 424% |
| + Depreciation and write-downs630 | €5,636 | €2,941 | €2,941 | €2,442 | ▼ 17.0% |
| Operating cash flow (approximation) | €22,240 | -€23,271 | €8,874 | €33,531 | ▲ 278% |
| Investment in fixed assets (approximation) | - | -€1 | €1 | -€39 | ▼ 4,461% |
| Change in cash | - | -€15,890 | -€6,268 | -€364 | ▲ 94.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
State Gazette act
Resignation: Imad Houari (non-statutory director)Power of attorney5 facts ▸
State Gazette act
Resignation: Imad Houari (non-statutory director)
Power of attorney5 facts ▸
- General meeting, 15-06-2026
- Director resignation, Imad Houari (non-statutory director)
- Power of attorney, BV Accounting Figures
- Power of attorney
- Power of attorney
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €31,089 ▲424%
Operating result €34,533, net result €31,089, both a record.
31-12
Financial
Liquidity times 18current ratio 1.01
Current ratio from 0.06 to 1.01.
24-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 85 days late
2024
31-12
Financial
Back to profitnet €5,934
Net result €5,934 after one loss-making year.
30-12
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · event 19-12-2024
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
22-03
KBO administration
UBO non-compliance
event 11-03-2024
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 210 days late
2023
31-12
Financial
Weakest financial yearnet -€26,212
Net result drops to -€26,212, the lowest in the series.
SignalFinancial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 4 acts read
About the unread acts
Of the 4 Belgian State Gazette acts we know for this company, 1 has been read. The other 3 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
3 of this company's 4 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2021
Ground area
113 m²
Building footprint
113 m²
Parcel 11808H1121/00L006, Flanders. Linked by address, not a title deed.
1 establishment unit
HOUARI
since 20212.313.503.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1121/00L006 | Flanders | 113 m² | 1 · 113 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Imad Houari |
|
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | GUY VANHOUCKE ANSELMOSTRAAT 2,
2018 ANTWERPEN 1 |
19-12-2024 → present |
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.313.503.943
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Of 2,403 companies in sector 47241 we hold annual accounts for 1,101. 895 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
E-invoicing
Reachable via Peppol
Peppol ID
0208:0763715840
Also
9925:BE0763715840
Registered
30-04-2026
The company is no longer active; its Peppol card can remain until its access point withdraws it.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.