HOUMIG

Active

Private limited companyfounded 20242 yrs activeRue Grandes Ruelles(ANT) 20, 4520 Wanze, BelgiumKBO/BCE: BE 1009.886.004

The computed 12-month bankruptcy probability of HOUMIG is 2.0% (moderate). The 2025 annual accounts show equity of €53k and a net result of €39k. Its solvency ranks better than 55% of 18039 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

74 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability100

Solvency65

Growth-

Track record67

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days acceptable

Liquidity ample (current ratio 2.74; short-term debt: 36.5% and cash: 56.1% of total assets), but 59.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

40.1%

Return on assets

29.3%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

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 · 1 filing

Deviation from the deadline

2025

31 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€53k

Total assets

€132k

Net result

€39k

Working capital

€84k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Equity and liabilities €132k

40.1%

59.9%

Equity €53k

Debt €79k

Debt finances 59.9% of the balance-sheet total.

Key figures and ratios

2025 value

Solvency

40.1%

Current ratio

2.74

Quick ratio

1.60

Debt / equity

1.50

ROE

73.2%

ROA

29.3%

Debt

€79k

Debt ≤ 1 year

€48k

Debt > 1 year

€26k

Income taxes

€10k

Staff costs

€111k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€132k

Current assets29/58€132k

Stocks and contracts in progress3€55k

Stocks30/36€55k

Amounts receivable within one year40/41€2k

Trade receivables40€2k

Other amounts receivable41€79

Cash at bank and in hand54/58€74k

Deferred charges and accrued income490/1€1k

Equity and liabilities

Total equity and liabilities10/49€132k

Equity10/15€53k

Contributions10/11€15k

Profit (loss) carried forward14€38k

Amounts payable17/49€79k

Amounts payable after more than one year17€26k

Financial debts170/4€26k

Amounts payable within one year42/48€48k

Current portion of amounts payable after more than one year42€11k

Trade debts44€9k

Suppliers440/4€9k

Taxes, remuneration and social security45€27k

Taxes450/3€12k

Remuneration and social security454/9€16k

Other amounts payable47/48€800

Accrued charges and deferred income492/3€5k

Income statement Code2025

Remuneration, social security and pensions62€111k

Other operating charges640/8€98

Gross operating margin9900€168k

Operating profit (loss)9901€57k

Financial income75/76B€0

Recurring financial income75€0

Financial charges65/66B€8k

Recurring financial charges65€5k

Non-recurring financial charges66B€4k

Profit (loss) for the period before taxes9903€48k

Income taxes67/77€10k

Profit (loss) for the period9904€39k

Profit (loss) for the period to be appropriated9905€39k

Appropriation of the result

Profit (loss) to be appropriated9906€39k

Profit to be distributed694/7€800

Return on contributions (dividend)694€800

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

NBB filing

Directors · office · real estate

Directors

2 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, Wanze · 1 establishment unit since 2024

establishment The establishment unit on the map

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.

Rue Grandes Ruelles(ANT) 204520 Wanze

Ground area

2,751 m²

Building footprint

327 m²

Volume, LiDAR

378 m³

2 parcels, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

HOUMIG

Rue Sauvenière 13A, 4530 Villers-le-BouilletNACE 45320

since 20242.360.482.033

2 parcels

Wallonia 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
61074B0212/00W000	Wallonia	2,428 m²	1 · 281 m²	-
61005A0378/00N000	Wallonia	323 m²	1 · 46 m²	9.8 m · 3 fl.

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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Villers-le-Bouillet2.360.482.033

1 permission

Toelating · Detailhandel · since 26-07-2024

Similar companies · same sector, comparable size

Villers-la-Ville · Eq €53k

Of 1,267 companies in sector 47300 we hold annual accounts for 947. 724 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded30-05-2024

Fiscal year end31-12

Activities, NACEBEL

47300Retail sale of automotive fuel

47820Retail sale of motor vehicle parts and accessories

47252Retail sale of beverages, general range

47260Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:houmig24@gmail.com

Enterprise