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Complete company report
Generated 13-07-2026
Active BE 0799.124.996Private limited company

HOUCA

Dudzeelse Steenweg 127 ·8000 Brugge, Belgium· 3 yrs active
Sector: Financial services (64210)
Conclusion Checked

HOUCA 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 €146k and a net result of €64k. Its solvency ranks better than 27% of 1395 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €146k
Net result €64k
Better than sector 27%
Active 3 yrs
Snowflake analysis 5 axes · computed by Checked
Health0Profitability100Solvency11Growth78Stability94
57 / 100

Mixed profile: strong on profitability, weaker on health.

Health 0
Profitability 100
Solvency 11
Growth 78
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer
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.
Financial overview2 NBB filings
Annual accounts filed on 02-07-2025 with the NBB · fiscal year 2024 · verkort
€0€50k€100kOperating result 2023: €82k€82kNet result 2023: €52k€52kOperating result 2024: €108k€108kNet result 2024: €64k€64k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
Metric This company Sector median Position in the sector
Solvency 16.7% 37.2%
better than 27% of 1395 sector peers
Net result €64k €46k
better than 56% of 1394 sector peers
Equity €146k €362k
better than 33% of 1395 sector peers
Gross operating margin €109k €66k
better than 63% of 1393 sector peers
Total assets €873k €1.40M
better than 39% of 1395 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€64k
+21.5% far above sector median
Total assets
€873k
+1.0% -19% vs sector
Equity
€146k
+77.2% -71% vs sector
Income taxes
€17k
+23.7% +198% vs sector
Debt
€727k
-7.0% +27% vs sector
Debt ≤ 1y
€368k
+5.4% +262% vs sector
Debt > 1y
€359k
-17.1% -18% vs sector
Solvency
16.7%
+75.5% -70% vs sector
ROE
43.6%
-31.5% far above sector median
ROA
7.3%
+20.3% far above sector median
Figures by fiscal year
Fiscal year2024
Revenuen/a
EBITDAn/a
Net profit€64k
Cash flown/a
Staff costs-
Income taxes€17k
Dividends-
Total assets€873k
Equity€146k
Debt€727k
of which ≤ 1y€368k
of which > 1y€359k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency16.7%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA7.3%
ROE43.6%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€873k
Fixed assets 21/28€852k
Tangible fixed assets 22/27€3k
Financial fixed assets 28€850k
Current assets 29/58€21k
Cash & bank 54/58€21k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€873k
Equity 10/15€146k
Contributions / capital 10/11€30k
Reserves 13€116k
Amounts payable 17/49€727k
Amounts payable after one year 17€359k
Amounts payable within one year 42/48€368k
Trade debts payable within one year 44€3k
Income statement
Gross operating margin 9900€109k
Operating result 9901€108k
Financial income 75€1
Financial charges 65€27k
Result before taxes 9903€80k
Income taxes 67/77€17k
Net result for the period 9904€64k
Result to be appropriated 9905€64k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Financial services(64210)
Legal form Private limited company(610)
Incorporation03-03-2023
StatusActive
Postal code8000
Establishment units 1 location
Dudzeelse Steenweg 127, 8000 Brugge
Holdings
since 20232.343.055.784
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
31807I0575/00A000 Flanders 2,434 m² 1 · 585 m² 14.1 m · 3 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 2 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
02-07-2025
NBB filing Annual accounts filed
fiscal year 2024 · verkort
2024
02-08-2024
NBB filing Annual accounts filed
fiscal year 2023 · verkort
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
AI-generated from Checked data; indicative, not legal or investment advice.
Company registry (CBE) Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL HOUCA
Registered office
Dudzeelse Steenweg 127 bus 201
8000 Brugge, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative