Credit risk
Bankruptcy probability (12 mo)
Credit advice
verdict per amount and termTimeline
What happened to this company, by date
0 of 1 act readfiscal year 2026 expected by 31-07-2027
2026
29-06-2026 NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-07-2025 NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
13-08-2024 NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Financials
Equity€77k+26.0%
2023: €39k
2024: €61k
Total assets€213k+4.9%
2023: €200k
2024: €203k
Net result€16k-28.7%
2023: €29k
2024: €22k
Working capital€40k
2023: €-18k
2024: €-819
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Figures by fiscal year
fiscal year 2025 · abbreviated schemaSector comparison
Fiscal year 2024 · NACE 43, Specialised construction · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 30.1% | 35.4% | |
| Net result | €22k | €31k | |
| Equity | €61k | €122k | |
| Gross operating margin | €195k | €174k | |
| Staff costs | €141k | €196k |
€43k
-17.7%
23-25
€39k
-16.5%
23-25
3
-6.7%
23-25
€131k
-7.3%
23-25
€5k
-28.1%
23-25
€136k
-4.2%
23-25
€127k
+2.1%
23-25
€3k
-74.7%
23-25
1.31
+32.0%
23-25
1.29
+88.7%
23-25
36.1%
+20.1%
23-25
1.77
-23.9%
23-25
20.6%
-43.4%
23-25
7.4%
-32.0%
23-25
20.24
-37.4%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | abbreviated schema |
| Revenue | - |
| EBITDA | €43k |
| Net profit | €16k |
| Cash flow | €39k |
| Staff costs | €131k |
| Income taxes | €5k |
| Dividends | - |
| Total assets | €213k |
| Equity | €77k |
| Debt | €136k |
| of which ≤ 1y | €127k |
| of which > 1y | €3k |
| Working capital | €40k |
| Employees (FTE) | 2.8 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 1.31 |
| Quick ratio | 1.29 |
| Working capital ratio | 18.6% |
| Solvency | 36.1% |
| Debt / equity | 1.77 |
| Long-term debt ratio | 0.04 |
| Interest coverage | 20.24 |
| Gross margin | - |
| Net margin | - |
| ROA | 7.4% |
| ROE | 20.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €213k |
| Fixed assets | 21/28 | €46k |
| Tangible fixed assets | 22/27 | €46k |
| Current assets | 29/58 | €167k |
| Stocks & contracts in progress | 3 | €3k |
| Amounts receivable within one year | 40/41 | €115k |
| Cash & bank | 54/58 | €40k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €213k |
| Equity | 10/15 | €77k |
| Contributions / capital | 10/11 | €10k |
| Reserves | 13 | €67k |
| Amounts payable | 17/49 | €136k |
| Amounts payable after one year | 17 | €3k |
| Amounts payable within one year | 42/48 | €127k |
| Trade debts payable within one year | 44 | €18k |
| Income statement | ||
| Gross operating margin | 9900 | €175k |
| Operating result | 9901 | €21k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €20k |
| Income taxes | 67/77 | €5k |
| Net result for the period | 9904 | €16k |
| Result to be appropriated | 9905 | €16k |
Signals
1 signal
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
No strikeouts found in the KBO publications · how complete this is
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.
Filing history by fiscal year and how the deadline is computed
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-06-2026, 32 days ahead of the deadline.
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 3 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 | 29-06-2026 | 32 d early | 2026-00249617 |
| 31-12-2024 | 31-07-2025 | 17-07-2025 | 14 d early | 2025-00291251 |
| 31-12-2023 | 31-07-2024 | 13-08-2024 | 13 d late | 2024-00357906 |
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.
Locations & real estate
Registered office
Establishment units
1 locationHOUTCONSTRUCTIES HERMANS
since 20222.336.367.635
Parcels1
Ground area673 m²
Buildings1
Building footprint176 m²
Volume (LiDAR)738 m³
Tallest building8.5 m · ±1 fl.
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0665/00E000 | Flanders | 673 m² | 1 · 176 m² | 8.5 m · 1 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.
Similar
Similar companies
Comparable size, same sectorBE 0799.503.593 · Brasschaat
BE 0802.968.275 · Sint-Niklaas
BE 0778.406.885 · Zedelgem
BE 0795.148.392 · Lommel
BE 0803.868.197 · Yvoir
How this selection is made
We hold annual accounts for 1,278 of the 8,524 companies in this sector. 1,134 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Dakwerkzaamheden43410Vervaardiging van ander schrijn- en timmerwerk16230Overige werkzaamheden in verband met de afwerking van gebouwen43350