HOUFFALIZE TRADING
ActiveHOUFFALIZE TRADING has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €906k and a net result of €30k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 29% of 4827 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▲+1
Solvency51▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.57 in 2024; short-term debt: 52.2% and cash: 1% of total assets), but 74% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26%
Return on assets
0.9%
Age of the figures
9 mo
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
57 d early
2023
24 d early
2022
22 d late
2021
68 d early
2020
54 d late
2019
6 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€30k▼ 25.5%
2024 · €40k
2018: €24k
2019: €-21k
2020: €-33k
2021: €3k
2022: €64k
2023: €1k
2024: €40k
2018 → 2025
Working capital
€974k▼ 18.5%
2024 · €1.20M
2018: €513k
2019: €491k
2020: €1.25M
2021: €739k
2022: €490k
2023: €994k
2024: €1.20M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€770k-€834k▲ 8.4%€836k▲ 0.2%€876k▲ 4.8%€906k▲ 3.4%
Operating result€107k-€205k▲ 91.6%€94k▼ 54.2%€167k▲ 77.3%€93k▼ 43.9%
Net result€3k-€64k▲ 2,139%€1k▼ 97.9%€40k▲ 2,888%€30k▼ 25.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.49M
Fixed assets
€694k▼ 6.8%
Current assets
€2.79M▼ 14.9%
Equity and liabilities €3.49M
Equity
€906k▲ 3.4%
Debt
€2.58M▼ 18.1%
The debt ratio falls from 78.2% to 74.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€154k▼
2024 · €227k
Cash flow
€91k▼
2024 · €101k
Solvency
26.0%▲
2024 · 21.8%
Current ratio
1.54▼
2024 · 1.57
Quick ratio
0.75▲
2024 · 0.72
Debt / equity
2.85▼
2024 · 3.59
ROE
3.3%▼
2024 · 4.6%
ROA
0.9%▼
2024 · 1.0%
Interest coverage
2.54▲
2024 · 2.35
Debt
€2.58M▼
2024 · €3.15M
Debt ≤ 1 year
€1.82M▼
2024 · €2.09M
Debt > 1 year
€762k▼
2024 · €1.06M
Income taxes
€12k▼
2024 · €38k
Staff costs
€268k▲
2024 · €253k
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€4.02M€3.49M▼
Fixed assets21/28€744k€694k▼
Intangible fixed assets21€4k€9k▲
Tangible fixed assets22/27€734k€679k▼
Land and buildings22€4k€2k▼
Plant, machinery and equipment23€21k€18k▼
Furniture and vehicles24€2k€2k▲
Leasing and similar rights25€707k€656k▼
Financial fixed assets28€6k€6k=
Current assets29/58€3.28M€2.79M▼
Stocks and contracts in progress3€1.78M€1.42M▼
Stocks30/36€1.78M€1.42M▼
Amounts receivable within one year40/41€1.34M€1.32M▼
Trade receivables40€669k€747k▲
Other amounts receivable41€671k€576k▼
Cash at bank and in hand54/58€157k€36k▼
Deferred charges and accrued income490/1€6k€11k▲
Equity and liabilities
Total equity and liabilities10/49€4.02M€3.49M▼
Equity10/15€876k€906k▲
Contributions10/11€400k€400k=
Capital10€400k€400k=
Issued capital100€400k€400k=
Reserves13€107k€107k=
Non-distributable reserves130/1€40k€40k=
Legal reserve130€40k€40k=
Distributable reserves133€67k€67k=
Profit (loss) carried forward14€369k€399k▲
Amounts payable17/49€3.15M€2.58M▼
Amounts payable after more than one year17€1.06M€762k▼
Financial debts170/4€1.06M€762k▼
Amounts payable within one year42/48€2.09M€1.82M▼
Current portion of amounts payable after more than one year42€269k€308k▲
Trade debts44€1.03M€712k▼
Suppliers440/4€1.03M€712k▼
Advances received on contracts in progress46€387k€423k▲
Taxes, remuneration and social security45€86k€79k▼
Taxes450/3€38k€30k▼
Remuneration and social security454/9€48k€50k▲
Other amounts payable47/48€310k€296k▼
Accrued charges and deferred income492/3€4k-
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€253k€268k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€61k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€799k€59k▼
Other operating charges640/8€60k€5k▼
Non-recurring operating charges66A€767-
Gross operating margin9900€1.34M€486k▼
Operating profit (loss)9901€167k€93k▼
Financial income75/76B€9k€9k▲
Recurring financial income75€9k€9k▲
Financial charges65/66B€97k€61k▼
Recurring financial charges65€97k€61k▼
Profit (loss) for the period before taxes9903€79k€42k▼
Income taxes67/77€38k€12k▼
Profit (loss) for the period9904€40k€30k▼
Profit (loss) for the period to be appropriated9905€40k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€369k€399k▲
Profit (loss) brought forward from the previous period14P€329k€369k▲
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
31-12
Financial
Highest result since 2018net €64k ▲2139%
Operating result €205k, net result €64k, both a record.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 54 days late
2020
31-12
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 6 days late
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Houffalize · 2 establishment units since 2008
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.
Route du Vieux Chêne 26661 HouffalizeGround area
1.8 ha
Building footprint
1,078 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Houffalize Trading
since 20082.171.766.553
Route du Vieux Chêne 2, 6661 Houffalize
since 20152.258.589.075
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82019D0134/00G000 | Wallonia | 1.1 ha | 1 · 214 m² | - |
| 82019C0023/00G000 | Wallonia | 7,010 m² | 1 · 864 m² | - |
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 276 companies in sector 46712 we hold annual accounts for 195. 141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-08-2007
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46712Wholesale trade
50101
47812Retail trade
45194
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95315Tyre services
95319Other maintenance and repair of motor vehicles
45310
46713Wholesale trade
46720Wholesale of motor vehicle parts and accessories
77221Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:taoufyq.elarache@skynet.be
Phone:061 27 13 43