HOUPCO
ActiveThe computed 12-month bankruptcy probability of HOUPCO is 1.6% (moderate). The 2025 annual accounts show equity of €429k and a net result of €-71k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 85% of 13270 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 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
Profitability8▼-59
Solvency97▼-3
Growth52=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 4.04 in 2024; short-term debt: 16.6% and cash: 25.3% of total assets), and 27.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
72.4%
Return on assets
-12%
Age of the figures
18 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
19202122232425
2019 to 2025 · latest year €-71k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d early
2023
40 d early
2022
3 d early
2021
10 d early
2020
13 d late
2019
44 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2019 · €0
2019: €0
2019 → 2022
Total assets
€593k▼ 12.0%
2024 · €674k
2019: €610k
2020: €576k
2021: €557k
2022: €572k
2023: €706k
2024: €674k
2019 → 2025
Net result
€-71k▼ 615%
2024 · €-10k
2019: €-5k
2020: €3k
2021: €63k
2022: €488
2023: €77k
2024: €-10k
2019 → 2025
Working capital
€136k▼ 43.1%
2024 · €238k
2019: €-6k
2020: €106k
2021: €176k
2022: €201k
2023: €277k
2024: €238k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0
Equity€483k-€483k▲ 0.1%€560k▲ 16.0%€504k▼ 10.0%€429k▼ 14.8%
Operating result€85k-€6k▼ 92.6%€109k▲ 1,627%€-5k€-59k▼ 1,143%
Net result€63k-€488▼ 99.2%€77k▲ 15,693%€-10k€-71k▼ 615%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €59k in 2025 against €5k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €593k
Fixed assets
€360k▲ 0.4%
Current assets
€234k▼ 26.1%
Equity and liabilities €593k
Equity
€429k▼ 14.8%
Debt
€164k▼ 3.8%
The debt ratio rises from 25.3% to 27.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6k▼
2024 · €46k
Cash flow
€-6k▼
2024 · €41k
Solvency
72.4%▼
2024 · 74.7%
Current ratio
2.38▼
2024 · 4.04
Quick ratio
2.24▼
2024 · 3.91
Debt / equity
0.38▲
2024 · 0.34
ROE
-16.6%▼
2024 · -2.0%
ROA
-12.0%▼
2024 · -1.5%
Interest coverage
0.47▼
2024 · 6.51
Debt
€164k▼
2024 · €170k
Debt ≤ 1 year
€98k▲
2024 · €78k
Debt > 1 year
€63k▼
2024 · €92k
Income taxes
€459▲
2024 · €216
Staff costs
€117k▲
2024 · €80k
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€674k€593k▼
Fixed assets21/28€358k€360k▲
Tangible fixed assets22/27€358k€360k▲
Land and buildings22€254k€268k▲
Plant, machinery and equipment23€44k€46k▲
Furniture and vehicles24€60k€46k▼
Current assets29/58€316k€234k▼
Stocks and contracts in progress3€10k€13k▲
Stocks30/36€10k€13k▲
Amounts receivable within one year40/41€16k€66k▲
Trade receivables40€2k€5k▲
Other amounts receivable41€14k€61k▲
Cash at bank and in hand54/58€273k€150k▼
Deferred charges and accrued income490/1€17k€4k▼
Equity and liabilities
Total equity and liabilities10/49€674k€593k▼
Equity10/15€504k€429k▼
Contributions10/11€6k€6k=
Reserves13€512k€509k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€16k€16k=
Distributable reserves133€496k€493k▼
Profit (loss) carried forward14€-14k€-85k▼
Amounts payable17/49€170k€164k▼
Amounts payable after more than one year17€92k€63k▼
Financial debts170/4€90k€63k▼
Other amounts payable178/9€2k€0▼
Amounts payable within one year42/48€78k€98k▲
Current portion of amounts payable after more than one year42€21k€21k▲
Trade debts44€44k€45k▲
Suppliers440/4€44k€45k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€14k€29k▲
Taxes450/3€4k€11k▲
Remuneration and social security454/9€10k€18k▲
Other amounts payable47/48€0€2k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20242025
Remuneration, social security and pensions62€80k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€65k▲
Other operating charges640/8€4k€5k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€130k€132k▲
Operating profit (loss)9901€-5k€-59k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€7k€13k▲
Recurring financial charges65€7k€13k▲
Profit (loss) for the period before taxes9903€-10k€-71k▼
Income taxes67/77€216€459▲
Profit (loss) for the period9904€-10k€-71k▼
Profit (loss) for the period to be appropriated9905€-10k€-71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-14k€-85k▼
Profit (loss) brought forward from the previous period14P€-4k€-14k▼
Transfer from equity791/2€48k€3k▼
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Profit to be distributed694/7€46k€3k▼
Return on contributions (dividend)694€46k€3k▼
The notes to these accounts (10 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-71k
Net result drops to €-71k, the lowest in the series.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €77k ▲15693%
Operating result €109k, net result €77k, both a record.
31-03
Financial
Equity above €500kEq €560k ▲16%
4 profitable years in a row build equity to €560k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 1.97 to 4.34; short-term debt falls from €109k to €53k.
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-03
Financial
Liquidity doublescurrent ratio 1.97
Current ratio from 0.94 to 1.97; short-term debt falls from €109k to €109k.
2019
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
27-09
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
4 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, Villers-le-Bouillet · 1 establishment unit since 2006
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 Thier du Moulin 464530 Villers-le-BouilletGround area
1,265 m²
Building footprint
108 m²
Volume, LiDAR
717 m³
Parcel 61068B1108/00B000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
UN TEMPS POUR SOI
since 20062.153.200.753
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61068B1108/00B000 | Wallonia | 1,265 m² | 1 · 108 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVillers-le-Bouillet2.153.200.753
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Of 20,495 companies in sector 56111 we hold annual accounts for 11,458. 6,728 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2004
Fiscal year end31-03
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.