HOUSSA Cédric
ActiveHOUSSA Cédric has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €-1k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 53% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-59
Solvency74▼-15
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 7.9 in 2024; short-term debt: 25% and cash: 40% of total assets), but 50.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 43
Relative position
BE, all sectors
reference
Sector 43
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
49.4%
Return on assets
-0.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d late
2023
1 d late
2022
4 d late
2021
1 d late
2020
9 d late
2019
14 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€100k▼ 1.2%
2024 · €101k
2018: €103k
2019: €106k
2020: €101k
2021: €103k
2022: €116k
2023: €69k
2024: €101k
2018 → 2025
Total assets
€202k▲ 28.5%
2024 · €157k
2018: €140k
2019: €137k
2020: €158k
2021: €165k
2022: €196k
2023: €141k
2024: €157k
2018 → 2025
Net result
€-1k
2024 · €32k
2018: €8k
2019: €4k
2020: €-6k
2021: €2k
2022: €13k
2023: €-47k
2024: €32k
2018 → 2025
Working capital
€90k▼ 20.4%
2024 · €113k
2018: €92k
2019: €99k
2020: €91k
2021: €89k
2022: €102k
2023: €112k
2024: €113k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€103k-€116k▲ 12.2%€69k▼ 40.5%€101k▲ 46.6%€100k▼ 1.2%
Operating result€3k-€16k▲ 454%€-46k€34k€-528
Net result€2k-€13k▲ 423%€-47k€32k€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €528 after €34k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €202k
Fixed assets
€61k▲ 125%
Current assets
€141k▲ 8.4%
Equity and liabilities €202k
Equity
€100k▼ 1.2%
Debt
€102k▲ 81.9%
The debt ratio rises from 35.7% to 50.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €44k
Cash flow
€5k▼
2024 · €42k
Solvency
49.4%▼
2024 · 64.3%
Current ratio
2.79▼
2024 · 7.90
Quick ratio
2.68▼
2024 · 7.52
Debt / equity
1.02▲
2024 · 0.56
ROE
-1.2%▼
2024 · 31.8%
ROA
-0.6%▼
2024 · 20.4%
Interest coverage
2.03▼
2024 · 14.82
Debt
€102k▲
2024 · €56k
Debt ≤ 1 year
€50k▲
2024 · €16k
Debt > 1 year
€51k▲
2024 · €40k
Income taxes
€487▼
2024 · €562
Staff costs
€34k
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€157k€202k▲
Formation expenses20€0€0=
Fixed assets21/28€27k€61k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€27k€61k▲
Land and buildings22€0€40k▲
Plant, machinery and equipment23€0€0=
Furniture and vehicles24€27k€21k▼
Financial fixed assets28€188€188=
Current assets29/58€130k€141k▲
Amounts receivable after more than one year29€4k€2k▼
Other amounts receivable291€4k€2k▼
Stocks and contracts in progress3€6k€5k▼
Stocks30/36€6k€5k▼
Amounts receivable within one year40/41€44k€52k▲
Trade receivables40€23k€24k▲
Other amounts receivable41€21k€28k▲
Cash at bank and in hand54/58€75k€81k▲
Deferred charges and accrued income490/1€992€1k▲
Equity and liabilities
Total equity and liabilities10/49€157k€202k▲
Equity10/15€101k€100k▼
Contributions10/11€6k€6k=
Reserves13€109k€109k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€107k€107k=
Profit (loss) carried forward14€-15k€-16k▼
Amounts payable17/49€56k€102k▲
Amounts payable after more than one year17€40k€51k▲
Financial debts170/4€40k€51k▲
Amounts payable within one year42/48€16k€50k▲
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€412€32k▲
Suppliers440/4€412€32k▲
Taxes, remuneration and social security45€248€3k▲
Taxes450/3€248€313▲
Remuneration and social security454/9-€2k
Income statement
Code20242025
Remuneration, social security and pensions62-€34k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€7k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€49k€44k▼
Operating profit (loss)9901€34k€-528▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€33k€-678▼
Income taxes67/77€562€487▼
Profit (loss) for the period9904€32k€-1k▼
Profit (loss) for the period to be appropriated9905€32k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-16k▼
Profit (loss) brought forward from the previous period14P€-47k€-15k▲
The notes to these accounts (9 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
31-12
Financial
Equity above €100kEq €101k ▲46.6%
Equity rises from €69k to €101k.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
31-12
Financial
Weakest financial yearnet €-47k ▼473%
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.66
Current ratio from 2.55 to 5.66; short-term debt falls from €66k to €24k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
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, Ciney · 1 establishment unit since 2012
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.
Les Basses(Haversin) 475590 CineyGround area
3,904 m²
Building footprint
327 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Houssa Cédric sprl
since 20122.205.113.866
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91118E0039/00X000 | Wallonia | 2,332 m² | 1 · 119 m² | - |
| 91118E0060/00G000 | Wallonia | 1,572 m² | 1 · 208 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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Firlefyn Technics
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Of 22,826 companies in sector 43211 we hold annual accounts for 10,327. 8,817 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2011
Fiscal year end31-12
Activities, NACEBEL
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43230Insulation installation
43240Other construction installation
43291Specialised construction activities
43299Specialised construction activities
43320Joinery installation
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:houssa.cedric@skynet.be
Phone:0476/85.94.04
Fax:083/66.82.32