JOS HOUBEN
ActiveJOS HOUBEN has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €227k and a net result of €18k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 36% of 3110 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-9
Solvency44▲+4
Growth63▼-15
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.09 in 2024; short-term debt: 64.7% and cash: 10.8% of total assets), and 80.7% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.3%
Return on assets
1.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-06-2026, 60 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
60 d late
2024
40 d late
2023
3 d late
2022
on the day
2021
216 d late
2020
46 d late
2019
20 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.14M▲ 0.5%
2024 · €1.13M
2024: €1.13M
2024 → 2025
EBIT margin
4.2%▼ 0.8pp
2024 · 5.1%
2024: 5.1%
2024 → 2025
Net result
€18k▲ 88.7%
2024 · €10k
2018: €6k
2019: €16k
2020: €10k
2021: €4k
2022: €18k
2023: €14k
2024: €10k
2018 → 2025
Working capital
€-30k
2024 · €82k
2018: €122k
2019: €126k
2020: €129k
2021: €133k
2022: €108k
2023: €71k
2024: €82k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.13M€1.14M▲ 0.5%
Equity€167k-€185k▲ 10.5%€199k▲ 7.6%€209k▲ 4.8%€227k▲ 8.7%
Operating result€34k-€29k▼ 16.6%€34k▲ 19.0%€58k▲ 69.1%€48k▼ 16.2%
Net result€4k-€18k▲ 289%€14k▼ 20.0%€10k▼ 31.2%€18k▲ 88.7%
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 falls in 2025; 2025 is 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.18M
Fixed assets
€446k▼ 0.8%
Current assets
€731k▼ 24.8%
Equity and liabilities €1.18M
Equity
€227k▲ 8.7%
Debt
€951k▼ 21.7%
The debt ratio falls from 85.3% to 80.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€119k▼
2024 · €152k
Cash flow
€89k▼
2024 · €104k
Solvency
19.3%▲
2024 · 14.7%
Current ratio
0.96▼
2024 · 1.09
Quick ratio
0.32▼
2024 · 0.52
Debt / equity
4.19▼
2024 · 5.82
ROE
8.0%▲
2024 · 4.6%
ROA
1.5%▲
2024 · 0.7%
Interest coverage
4.99▼
2024 · 6.70
Debt
€951k▼
2024 · €1.21M
Debt ≤ 1 year
€762k▼
2024 · €891k
Debt > 1 year
€189k▼
2024 · €323k
Income taxes
€5k▼
2024 · €25k
Staff costs
€283k▲
2024 · €198k
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€1.42M€1.18M▼
Fixed assets21/28€450k€446k▼
Tangible fixed assets22/27€440k€438k▼
Land and buildings22€180k€197k▲
Plant, machinery and equipment23€108k€135k▲
Furniture and vehicles24€64k€38k▼
Leasing and similar rights25€88k€69k▼
Financial fixed assets28€10k€8k▼
Current assets29/58€973k€731k▼
Stocks and contracts in progress3€513k€485k▼
Stocks30/36€513k€485k▼
Amounts receivable within one year40/41€292k€115k▼
Trade receivables40€274k€89k▼
Other amounts receivable41€18k€26k▲
Cash at bank and in hand54/58€166k€127k▼
Deferred charges and accrued income490/1€1k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.42M€1.18M▼
Equity10/15€209k€227k▲
Contributions10/11€75k€75k=
Reserves13€134k€152k▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€126k€144k▲
Amounts payable17/49€1.21M€951k▼
Amounts payable after more than one year17€323k€189k▼
Financial debts170/4€323k€189k▼
Amounts payable within one year42/48€891k€762k▼
Current portion of amounts payable after more than one year42€49k€51k▲
Financial debts43€200k€200k=
Credit institutions430/8€200k€200k=
Trade debts44€270k€203k▼
Suppliers440/4€270k€203k▼
Advances received on contracts in progress46€68k-
Taxes, remuneration and social security45€64k€70k▲
Taxes450/3€15k€31k▲
Remuneration and social security454/9€50k€39k▼
Other amounts payable47/48€240k€238k▼
Accrued charges and deferred income492/3€182-
Income statement
Code20242025
Turnover70€1.13M€1.14M▲
Goods, raw materials, services and sundry goods60/61€918k€764k▼
Remuneration, social security and pensions62€198k€283k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€94k€71k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€353k€405k▲
Operating profit (loss)9901€58k€48k▼
Financial income75/76B€44€59▲
Recurring financial income75€44€59▲
Financial charges65/66B€23k€26k▲
Recurring financial charges65€23k€24k▲
Non-recurring financial charges66B-€2k
Profit (loss) for the period before taxes9903€35k€23k▼
Income taxes67/77€25k€5k▼
Profit (loss) for the period9904€10k€18k▲
Profit (loss) for the period to be appropriated9905€10k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€18k▲
Transfer to equity691/2€10k€18k▲
To other reserves6921€10k€18k▲
Social balance
Average headcount (FTE)90875.2-
The notes to these accounts (8 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 60 days late
2025
30-09
Financial
Highest result since 2018net €18k ▲88.7%
Net result €18k, the highest in the series.
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 40 days late
2024
30-09
Financial
Equity above €200kEq €209k ▲4.8%
7 profitable years in a row build equity to €209k.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 3 days late
2023
30-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 216 days late
2021
30-09
Financial
Weakest financial yearnet €4k ▼54.3%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 46 days late
2020
20-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
30-09
Financial
Equity above €150kEq €153k ▲2.8%
2 profitable years in a row build equity to €153k.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 44 days late
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 203 days late
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Borgloon · 1 establishment unit since 2004
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.
Tongersesteenweg 100A3840 BorgloonGround area
4,012 m²
Building footprint
358 m²
Volume, LiDAR
2,396 m³
2 parcels, Flanders · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jos Houben
since 20042.143.698.119
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73034A0158/00L000 | Flanders | 3,366 m² | 1 · 232 m² | 8.8 m · 2 fl. |
| 73009C0506/00R000 | Flanders | 646 m² | 1 · 126 m² | 12.5 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 52,793 EUR awarded · 52,793 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 15,506 EUR | 15,506 EUR |
| 2024 | 1 | 30,881 EUR | 30,881 EUR |
| 2022 | 1 | 6,406 EUR | 6,406 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteTongeren-Borgloon2.143.698.119
Similar companies · same sector, comparable size
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BETEX
BE 0480.225.224
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GREEN GARDEN HASPENGOUW
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DEBORRE T & D
BE 0811.881.486
Tongeren-Borgloon · Eq €221k
Of 1,345 companies in sector 01240 we hold annual accounts for 321. 268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2004
Fiscal year end30-09
Activities, NACEBEL
01240Growing of pome and stone fruits
01110Growing of cereals (except rice), leguminous crops and oil seeds
01199Crop and animal production, hunting and related service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.