Investments
€40,464 6.1 × depreciation
Green is investment, beige is depreciation.
HOUSSA Cédric
Lifetime
14 annual accounts with figures on one time axisGross marginpeak €143,485 (2012)
€43,873▼ 10.5%
Resultlowest -€46,764 (2023)
-€1,165▼ €33,189
Equitypeak €115,553 (2022)
€99,648▼ 1.2%
Debts
€101,958▲ 81.9%
Staffpeak 2.2 FTE (2013)
-not published
Board1 name since 2022
1 directorHOUSSA Cédric
Documentsfilings and deeds
30-07-20261 days before the deadline
2025micro format
Loss of €1,165Debts from €56,044 to €101,958Investments €40,464
Key points
from the 2025 annual accountsChecked score
92
Excellent
Financially stronger than 48% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,685 companies (NACE 43, micro).
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.1%▼ -0.3 percentage points vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025lowest value
11-2025: 0.1%● unchanged vs 10-2025lowest value
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 2.79, cash €80,734
Founded in 2011
Equity €99,648 (49.4% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 54% of them on solvency, 88% on liquidity, 18% on profitability and 32% on growth.
The bankruptcy probability was computed on 04-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,908 companies had the same profile as HOUSSA Cédric has now. Each dot stands for 18 companies, two years later.
90.9%
were still trading
7.8%
stopped another way
1.1%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of HOUSSA Cédric itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,908 companies, not a prediction for HOUSSA Cédric. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €9,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.79 (7.9 in 2024), above the usual 1.5. Short-term debt is 25% and cash 40% of total assets. However, 50.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 day early
2024
1 day late
2023
1 day late
2022
4 days late
2021
1 day late
2020
9 days late
2019
14 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0841690972
Resignation: HOUSSA Cédric (manager)
Reappointment: HOUSSA Cédric (director) · “La vente,la conception,l’installation,l’entretien et la réparation de tous systèmes électroniques ou plus…” (deed in French) · Gazette deed
First establishment
Houssa Cédric sprl, Les Basses (Haversin) 12, Ciney
Incorporation
published on 13-12-2011 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| HOUSSA Cédric Ciney | €201,606 | €43,873 | 49.4% | - |
| ELECOM TECHNICS Willebroek | €204,732 | €42,904 | 45.4% | - |
| ELEKTRO PEERSMAN Antwerp | €214,154 | €44,985 | 81.4% | - |
| JETECH Puurs-Sint-Amands | €181,881 | €47,183 | 52.5% | - |
| RCO Hasselt | €197,096 | €51,633 | 84.9% | - |
| Mix tricks & system fix Haacht | €218,628 | €38,159 | 20.1% | - |
| Liv@ease Brasschaat | €195,068 | €42,868 | 35.5% | - |
These companies have the same main activity as HOUSSA Cédric: general electrical installation work (NACE 43211). They are comparable in size and age: total assets between €182,000 and €219,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 09-12-2011Normal situation
- Activity
- General electrical installation workNACE 43211and 5 others
- Establishment unit
- 2.205.113.8665590 Ciney, since 01-01-2012
- Financial year end
- 31 December
- Peppol
- Reachable since 21-11-2025
Annual accounts 2025
- Turnover
- ≈ €200,000estimated
- Total assets
- €201,606▲ 28.5%
- Employeeson 31-12-2025
- 1
- Filing
- Filed on 30-07-2026, 1 day before the end of the filing period
Insights on HOUSSA Cédric
HOUSSA Cédric files the micro format. That format states no turnover. The gross margin fell from €143,485 in 2012 to €43,873 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HOUSSA Cédric
- What is the company number of HOUSSA Cédric?
- The company number of HOUSSA Cédric is 0841.690.972. The VAT number is the same number with BE in front: BE 0841.690.972.
- Where is HOUSSA Cédric based?
- The registered office is at Les Basses (Haversin) 47, 5590 Ciney.Company details
- What does HOUSSA Cédric do?
- According to the KBO register, the main activity is general electrical installation work (NACE 43211).
- What is the legal form of HOUSSA Cédric?
- HOUSSA Cédric is a private limited company (BV).
- When was HOUSSA Cédric founded?
- HOUSSA Cédric was founded on 09-12-2011.
- Is HOUSSA Cédric still active?
- Yes, HOUSSA Cédric is an active enterprise in the KBO register.
- How many employees does HOUSSA Cédric have?
- HOUSSA Cédric had an average of 0.9 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of HOUSSA Cédric?
- The turnover in financial year 2025 is ≈ €200,000. This figure is estimated from the gross margin of €43,873 and 45 comparable companies (NACE 43211). It probably lies between €140,000 and €310,000.
- Is HOUSSA Cédric profitable?
- In financial year 2025, HOUSSA Cédric made a loss of €1,165.
- Where can I find the annual accounts of HOUSSA Cédric?
- HOUSSA Cédric filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HOUSSA Cédric due?
- HOUSSA Cédric must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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