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Houmanfarma

Active
Public limited company·Detailhandel in farmaceutische producten· 34 yrs active
Boechtstraat 10 ·1860 Meise, Belgium
KBO/BCE: BE 0445.537.430
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Age34 yrs
Real estate1 parcel · 793 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of Houmanfarma is 0.4% (very low). The 2025 annual accounts show equity of €331k and a net result of €51k. The company has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 25-08-2026 25 d late 2026-00422504
31-12-2024 31-07-2025 12-08-2025 12 d late 2025-00371398
31-12-2023 31-07-2024 21-08-2024 21 d late 2024-00355369
31-12-2022 31-07-2023 24-08-2023 24 d late 2023-00348225
31-12-2021 31-07-2022 25-08-2022 25 d late 2022-20313946
31-12-2020 31-07-2021 24-08-2021 24 d late 2021-51700556
31-12-2019 31-07-2020 19-08-2020 19 d late 2020-42100088
31-12-2018 31-07-2019 16-08-2019 16 d late 2019-46800440
31-12-2017 31-07-2018 21-08-2018 21 d late 2018-48000157
31-12-2016 31-07-2017 23-08-2017 23 d late 2017-46200383

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Long track record −Higher-failure-rate sector +Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€51k
Working capital€105k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · volledig
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€148k
Net profit€51k
Cash flow€122k
Staff costs€40k
Income taxes€19k
Dividends-
Total assets€701k
Equity€331k
Debt€370k
of which ≤ 1y€327k
of which > 1y€43k
Working capital€105k
Employees (FTE)0.8
Ratios (computed)
2025
Current ratio1.32
Quick ratio0.49
Working capital ratio14.9%
Solvency47.2%
Debt / equity1.12
Long-term debt ratio0.13
Interest coverage21.10
Gross margin-
Net margin-
ROA7.2%
ROE15.4%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€701k
Fixed assets 21/28€269k
Tangible fixed assets 22/27€269k
Financial fixed assets 28€0
Current assets 29/58€432k
Stocks & contracts in progress 3€270k
Amounts receivable within one year 40/41€122k
Cash & bank 54/58€33k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€701k
Equity 10/15€331k
Contributions / capital 10/11€62k
Reserves 13€269k
Amounts payable 17/49€370k
Amounts payable after one year 17€43k
Amounts payable within one year 42/48€327k
Trade debts payable within one year 44€229k
Income statement
Gross operating margin 9900€189k
Operating result 9901€77k
Financial income 75€0
Financial charges 65€7k
Result before taxes 9903€70k
Income taxes 67/77€19k
Net result for the period 9904€51k
Result to be appropriated 9905€51k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
71 / 100 Healthy
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Boechtstraat 101860 Meise

Establishment units

1 location
Boechtstraat 10, 1860 Meise
Bemiddelingsactiviteiten in verband met goederenvervoer
since 19922.057.753.941
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area793 m²
Buildings1
Building footprint194 m²
Volume (LiDAR)1,264 m³
Tallest building12.4 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.
23050F0355/00K000 Flanders 793 m² 1 · 194 m² 12.3 m · 2 fl.
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health71Profitability77Solvency77Growth-Stability85
78 / 100

Strong profile, led by stability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 71
Profitability 77
Solvency 77
Growth -
Stability 85

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 500 of the 5,223 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in farmaceutische producten47730Apothekers52310
Primary activity highlighted.
Names & trade names
Legal nameNL Houmanfarma
Registered office
Boechtstraat 10
1860 Meise, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.