HOUBA INFORMATIQUE
ActiveHOUBA INFORMATIQUE has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €-2k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 18120 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▲+3
Solvency100=
Growth45▲+7
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 18.25 against 20.35 in 2024; short-term debt: 5.5% and cash: 34% of total assets), and 5.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.5%
Return on assets
-10.8%
Age of the figures
9 mo
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 €-2k
neutral · Filed after the deadline
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. 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 · 10 filingsDeviation from the deadline
2025
34 d late
2024
32 d late
2023
8 d early
2022
7 d early
2021
67 d late
2020
41 d late
2019
46 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€18k▲ 54.1%
2024 · €12k
2023: €20k
2024: €12k
2023 → 2025
EBIT margin
-13.1%▲ 29.0pp
2024 · -42.1%
2023: -22.1%
2024: -42.1%
2023 → 2025
Net result
€-2k▲ 18.7%
2024 · €-3k
2018: €-3k
2019: €6k
2020: €6k
2021: €-6k
2022: €1k
2023: €-5k
2024: €-3k
2018 → 2025
Working capital
€21k▼ 10.2%
2024 · €23k
2018: €21k
2019: €28k
2020: €34k
2021: €28k
2022: €31k
2023: €26k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€20k€12k▼ 40.5%€18k▲ 54.1%
Equity€30k-€31k▲ 4.6%€26k▼ 14.6%€23k▼ 11.2%€21k▼ 10.2%
Operating result€-6k-€2k€-4k€-5k▼ 13.1%€-2k▲ 52.1%
Net result€-6k-€1k€-5k€-3k▲ 34.4%€-2k▲ 18.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €22k
Equity
€21k▼ 10.2%
Debt
€1k▲ 0.7%
The debt ratio rises from 4.9% to 5.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
94.5%▼
2024 · 95.1%
Current ratio
18.25▼
2024 · 20.35
Quick ratio
11.81▼
2024 · 14.30
Debt / equity
0.06▲
2024 · 0.05
ROE
-11.4%▲
2024 · -12.6%
ROA
-10.8%▲
2024 · -12.0%
Debt
€1k▲
2024 · €1k
Debt ≤ 1 year
€1k▲
2024 · €1k
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€25k€22k▼
Formation expenses20€0-
Current assets29/58€25k€22k▼
Stocks and contracts in progress3€7k€8k▲
Stocks30/36€7k€8k▲
Amounts receivable within one year40/41€2k€7k▲
Trade receivables40€914€2k▲
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€15k€8k▼
Equity and liabilities
Total equity and liabilities10/49€25k€22k▼
Equity10/15€23k€21k▼
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€23k€23k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Distributable reserves133€21k€21k=
Profit (loss) carried forward14€-18k€-21k▼
Amounts payable17/49€1k€1k▲
Amounts payable within one year42/48€1k€1k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Income statement
Code20242025
Turnover70€12k€18k▲
Goods, raw materials, services and sundry goods60/61€17k€20k▲
Gross operating margin9900€-5k€-2k▲
Operating profit (loss)9901€-5k€-2k▲
Financial charges65/66B€48€52▲
Recurring financial charges65€48€0▼
Non-recurring financial charges66B€48€52▲
Profit (loss) for the period before taxes9903€-5k€-2k▲
Income taxes67/77€-2k-
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-21k▼
Profit (loss) brought forward from the previous period14P€-15k€-18k▼
Transfer from equity791/2€0-
Transfer to equity691/2€0-
To contributions691€0-
To the legal reserve6920€0-
To other reserves6921€0-
The notes to these accounts (1 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 32 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
06-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 67 days late
2021
31-12
Financial
Weakest financial yearnet €-6k ▼202%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
10-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 41 days late
2020
31-12
Financial
Highest result since 2018net €6k ▲3.2%
Net result €6k, the highest in the series.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 46 days late
2019
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
09-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 9 days late
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Arlon · 1 establishment unit since 1993
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.
Toernich, Burewee 116700 Arlon1 establishment unit
Toernich, Burewee 11, 6700 Arlon
since 19932.060.342.851
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Of 3,225 companies in sector 47400 we hold annual accounts for 1,807. 1,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-01-1993
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filings
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.