Losses
-€9,854 in three years
Every financial year from 2023 to 2025 closed with a loss. 2023 was the heaviest.
HOUBA INFORMATIQUE
Lifetime
20 annual accounts with figures on one time axis, 33 filings since 1993Gross marginpeak €25,739 (2009)
-€2,348▲ €2,557
Resultlowest -€7,542 (2015)
-€2,400▲ €553
Equitypeak €44,979 (2014)
€21,065▼ 10.2%
Debts
€1,221▲ 0.7%
Documentsfilings and deeds
03-09-202634 days late
2025micro format
Turnover from €11,665 to €17,980Gross margin from -€4,905 to -€2,348Loss of €2,400Cash from €15,012 to €7,572
Key points
from the 2025 annual accountsFilings
33 annual accounts since 1993
Seven of the last ten came late. The 2021 accounts came latest: 67 days after the end of the period.
Position in the sector
94.5%
Higher solvency than 95% of companies in retail trade. Sector median 33.2% · 22,817 companies.
Checked score
85
Excellent
Financially stronger than 65% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,278 companies (NACE 47, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%lowest value
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.3%▲ +0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.4%▲ +0.1 percentage points vs 08-2025
10-2025: 0.3%▼ -0.1 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.1 percentage points vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 0.4%● unchanged vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 34 days late; 2 of the last 3 accounts late
Loss of €2,400, the second in a row (financial year 2025)
lowers risk
Liquidity: current ratio 18.25, cash €7,572
Founded in 1993
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 47, micro). It does better than 92% of them on solvency, 93% on liquidity, 17% on profitability and 58% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 5,831 companies had the same profile as HOUBA INFORMATIQUE has now. Each dot stands for 15 companies, two years later.
84.6%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HOUBA INFORMATIQUE itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 5,831 companies, not a prediction for HOUBA INFORMATIQUE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 18.25 (20.35 in 2024), above the usual 1.5. Short-term debt is 5.5% and cash 34% of total assets. 5.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,400
raises risk · 2025 accounts filed 34 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
34 days late
2024
32 days late
2023
8 days early
2022
7 days early
2021
67 days late
2020
41 days late
2019
46 days late
← 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 29 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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 1 September (5 of the last 5 accounts filed within 39 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0449001419
First establishment
Toernich, Burewee 11, Arlon
Incorporation
published on 27-01-1993 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| HOUBA INFORMATIQUE Arlon | €22,287 | -€2,348 | 94.5% | - |
| COMM - SERVICE Kortenaken | €26,406 | -€12,906 | -318.8% | - |
| GERDISOFT Zulte | €24,034 | -€447 | 61.2% | - |
| EXCEPT Wevelgem | €28,360 | -€6,464 | -93.9% | - |
| AC&T BEVEREN Beveren-Kruibeke-Zwijndrecht | €18,055 | -€613 | 86.0% | - |
| ASSISTANCE et PROJETS INFORMATIQUES Jemeppe-sur-Sambre | €31,362 | -€1,287 | 96.3% | - |
| OMINEX Bruges | €33,782 | -€12,313 | 98.1% | - |
These companies have the same main activity as HOUBA INFORMATIQUE: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €18,100 and €33,800, founded between 1989 and 1997.
Official details
Source: KBO- Status
- Active since 08-01-1993Normal situation
- Activity
- Retail sale of information and communication equipmentNACE 47400and 1 other
- Establishment unit
- 2.060.342.8516700 Arlon, since 19-01-1993
- Financial year end
- 31 December
- Peppol
- Reachable since 09-12-2025
Insights on HOUBA INFORMATIQUE
HOUBA INFORMATIQUE files the micro format. That format states no turnover. The gross margin fell from €17,688 in 2006 to -€2,348 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HOUBA INFORMATIQUE
- What is the company number of HOUBA INFORMATIQUE?
- The company number of HOUBA INFORMATIQUE is 0449.001.419. The VAT number is the same number with BE in front: BE 0449.001.419.
- Where is HOUBA INFORMATIQUE based?
- The registered office is at Toernich, Burewee 11, 6700 Arlon.Company details
- What does HOUBA INFORMATIQUE do?
- According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
- What is the legal form of HOUBA INFORMATIQUE?
- HOUBA INFORMATIQUE is a private limited company (pre-2019) (BVBA).
- When was HOUBA INFORMATIQUE founded?
- HOUBA INFORMATIQUE was founded on 08-01-1993.
- Is HOUBA INFORMATIQUE still active?
- Yes, HOUBA INFORMATIQUE is an active enterprise in the KBO register.
- What is the turnover of HOUBA INFORMATIQUE?
- The turnover of HOUBA INFORMATIQUE was €17,980 in financial year 2025, according to the filed annual accounts.Financials
- Is HOUBA INFORMATIQUE profitable?
- In financial year 2025, HOUBA INFORMATIQUE made a loss of €2,400.
- Where can I find the annual accounts of HOUBA INFORMATIQUE?
- HOUBA INFORMATIQUE filed 33 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HOUBA INFORMATIQUE due?
- HOUBA INFORMATIQUE must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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