HOUTPUNT
ActiveHOUTPUNT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €-12k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 83% of 11238 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-66
Solvency100▲+24
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 7.74 against 2.16 in 2024; short-term debt: 12.9% and cash: 0.8% of total assets), and 17.2% of the assets are financed with debt.
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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
82.8%
Return on assets
-11%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-01-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
28 d early
2023
22 d early
2022
on the day
2021
26 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▼ 11.8%
2024 · €106k
2019: €56k
2020: €61k
2021: €66k
2022: €72k
2023: €74k
2024: €106k
2019 → 2025
Total assets
€112k▼ 45.3%
2024 · €206k
2019: €444k
2020: €404k
2021: €286k
2022: €342k
2023: €290k
2024: €206k
2019 → 2025
Net result
€-12k
2024 · €32k
2019: €7k
2020: €6k
2021: €5k
2022: €6k
2023: €1k
2024: €32k
2019 → 2025
Working capital
€98k▼ 11.3%
2024 · €110k
2019: €82k
2020: €83k
2021: €84k
2022: €64k
2023: €64k
2024: €110k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€72k▲ 9.0%€74k▲ 2.0%€106k▲ 42.7%€93k▼ 11.8%
Operating result€11k-€17k▲ 52.8%€9k▼ 48.8%€50k▲ 479%€-2k
Net result€5k-€6k▲ 18.5%€1k▼ 75.6%€32k▲ 2,059%€-12k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €50k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €112k
Equity
€93k▼ 11.8%
Debt
€19k▼ 80.6%
The debt ratio falls from 48.7% to 17.2%. Equity and debt are lower.
Key figures and ratios
Solvency
82.8%▲
2024 · 51.3%
Current ratio
7.74▲
2024 · 2.16
Quick ratio
7.74▲
2024 · 2.16
Debt / equity
0.21▼
2024 · 0.95
ROE
-13.3%▼
2024 · 29.9%
ROA
-11.0%▼
2024 · 15.4%
Debt
€19k▼
2024 · €100k
Debt ≤ 1 year
€15k▼
2024 · €95k
Debt > 1 year
€5k=
2024 · €5k
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€206k€112k▼
Current assets29/58€206k€112k▼
Amounts receivable within one year40/41€205k€111k▼
Trade receivables40€7k€4k▼
Other amounts receivable41€198k€107k▼
Cash at bank and in hand54/58€284€874▲
Deferred charges and accrued income490/1€188€1k▲
Equity and liabilities
Total equity and liabilities10/49€206k€112k▼
Equity10/15€106k€93k▼
Contributions10/11€6k€6k=
Reserves13€50k€50k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€48k€48k=
Profit (loss) carried forward14€50k€37k▼
Amounts payable17/49€100k€19k▼
Amounts payable after more than one year17€5k€5k=
Financial debts170/4€5k€5k=
Amounts payable within one year42/48€95k€15k▼
Current portion of amounts payable after more than one year42€6k€3k▼
Financial debts43€60k-
Credit institutions430/8€60k-
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Taxes, remuneration and social security45€12k-
Taxes450/3€12k-
Other amounts payable47/48€9k€9k=
Income statement
Code20242025
Non-recurring operating income76A€54k-
Remuneration, social security and pensions62€3k-
Other operating charges640/8€1k-
Gross operating margin9900€54k€-2k▼
Operating profit (loss)9901€50k€-2k▼
Financial income75/76B€12€4▼
Recurring financial income75€12€4▼
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€4k▼
Non-recurring financial charges66B-€6k
Profit (loss) for the period before taxes9903€43k€-12k▼
Income taxes67/77€12k-
Profit (loss) for the period9904€32k€-12k▼
Profit (loss) for the period to be appropriated9905€32k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€37k▼
Profit (loss) brought forward from the previous period14P€18k€50k▲
The notes to these accounts (2 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
03-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-12k ▼139%
Net result drops to €-12k, the lowest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 7.74
Current ratio from 2.16 to 7.74; short-term debt falls from €95k to €15k.
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €32k ▲2059%
Operating result €50k, net result €32k, both a record.
30-06
Financial
Equity above €100kEq €106k ▲42.7%
6 profitable years in a row build equity to €106k.
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 6 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Geraardsbergen · 1 establishment unit since 2009
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.
Astridlaan(Sch) 1819500 GeraardsbergenGround area
7,090 m²
Building footprint
2,967 m²
Volume, LiDAR
14,600 m³
Parcel 41059A0121/00K002, Flanders · tallest building 21.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOUTPUNT
since 20092.183.910.458
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41059A0121/00K002 | Flanders | 7,090 m² | 1 · 2,967 m² | 21.7 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.
Similar companies · same sector, comparable size
PUR-O-FLOORING
BE 0755.719.773
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DAVO GROUP
BE 0690.740.463
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ONE-STOP BUILD KONSTRUCTIVE
BE 0726.620.565
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GABLOK Belgium
BE 0792.627.283
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BENELEX
BE 0825.480.094
Elsene · Eq €92k
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-12-2009
Fiscal year end30-06
Activities, NACEBEL
46130Agents in the wholesale of timber and building materials
47522Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.