Debts
€182,555 75% of the balance sheet
Financial debts 51%Suppliers 15%Taxes and wages 22%Other 12%
Of this, €89,845 falls due within a year.
't Houten Hand
Lifetime
19 annual accounts with figures on one time axis, 30 filings since 1996Gross marginpeak €409,157 (2018)
€185,017▼ 19.2%
Resultlowest -€38,966 (2017)
€2,823▲ 48.4%
Equitypeak €91,153 (2022)
€61,026▲ 4.9%
Debts
€182,555▼ 21.1%
Staffpeak 6.5 FTE (2018)
-not published
Board2 names since 1995
2 directorsDe Smet Guy and 1 other
Documentsfilings and deeds
11-02-202611 days late
2025micro format
Gross margin from €229,083 to €185,017Result from €1,902 to €2,823Debts from €231,455 to €182,555Cash from €14,687 to €7,705
Key points
from the 2025 annual accountsChecked score
69
Healthy
Financially stronger than 44% of micro companies in food and beverage service (NACE 56)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.8% across 23,788 companies (NACE 56, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.6%
01-2025: 2.0%▲ +0.4 percentage points vs 12-2024highest value
02-2025: 0.6%▼ -1.4 percentage points vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.6%● unchanged vs 03-2025
05-2025: 0.6%● unchanged vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 0.6%● unchanged vs 06-2025lowest value
08-2025: 0.6%● unchanged vs 07-2025lowest value
09-2025: 0.6%● unchanged vs 08-2025lowest value
10-2025: 0.7%▲ +0.1 percentage points vs 09-2025
11-2025: 0.7%● unchanged vs 10-2025
12-2025: 0.7%● unchanged vs 11-2025
01-2026: 1.0%▲ +0.3 percentage points vs 12-2025
02-2026: 1.5%▲ +0.5 percentage points vs 01-2026
03-2026: 0.7%▼ -0.8 percentage points vs 02-2026
04-2026: 0.7%● unchanged vs 03-2026
05-2026: 0.7%● unchanged vs 04-2026
06-2026: 0.7%● unchanged vs 05-2026
07-2026: 0.6%▼ -0.1 percentage points vs 06-2026
08-2026: 0.6%● unchanged vs 07-2026
09-2026: 0.6%● unchanged vs 08-2026
10-2026: 0.7%▲ +0.1 percentage points vs 09-2026
11-2026: 0.7%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Food and beverage service activities (NACE 56)
Liquidity: current ratio 0.95, cash €7,705
lowers risk
Founded in 1995
Figures for financial year 2025 (filed on 13-02-2026)
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 56, micro). It does better than 46% of them on solvency, 32% on liquidity, 48% on profitability and 49% on growth.
The bankruptcy probability was computed on 05-11-2026 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 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 3,984 companies had the same profile as 't Houten Hand has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
That fits the bankruptcy probability of 't Houten Hand itself: 0.7% 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 3,984 companies, not a prediction for 't Houten Hand. 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 €4,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.95 (0.91 in 2024), below 1. Short-term debt is 36.9% and cash 3.2% of total assets. 74.9% 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
11 days late
2024
1 day early
2023
44 days early
2022
21 days early
2021
7 days late
2020
1 day late
2019
2 days early
← 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 7 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 30 January (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end06-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0454220613
2 directors appointed, 2 resignations
Resignations: De Smet Guy and De Clercq Natasha · Appointments: De Smet Guy (director) and De Clercq Natasha (director) · General meeting of 12-12-2022 · Gazette deed
First establishment
Ninovesteenweg 80, Aalst
Incorporation
published on 28-01-1995 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| 't Houten Hand Knokke-Heist | €243,580 | €185,017 | 25.1% | - |
| L'ECAILLER DU ZOUTE Knokke-Heist | €236,804 | €171,763 | 85.0% | 3.6 |
| Koma Nieuwpoort | €247,694 | €179,808 | 63.7% | - |
| CYCLOON Ledegem | €203,903 | €186,305 | 8.3% | - |
| ARPODAT Leuven | €268,928 | €196,017 | 20.2% | - |
| SUISSOBEL Woluwe-Saint-Lambert | €231,156 | €213,431 | 68.9% | - |
| EURO LONDON Ixelles | €251,129 | €158,545 | -47.9% | - |
These companies have the same main activity as 't Houten Hand: full-service restaurants (NACE 56111). They are comparable in size and age: total assets between €204,000 and €269,000, founded between 1992 and 1998.
Official details
Source: KBO- Status
- Active since 06-01-1995Normal situation
- Activity
- Full-service restaurantsNACE 56111and 2 others
- Joint committee
- 302Hotels and catering · annual accounts 30-06-2025
- Establishment unit
- 2.070.088.4809320 Aalst, since 03-02-1995
- Financial year end
- 30 June
- Peppol
- Reachable since 15-10-2025
Annual accounts to 30-06-2025
- Turnover
- ≈ €540,000estimated
- Total assets
- €243,580▼ 15.9%
- Employeeson 30-06-2025
- 4=
- Filing
- Filed on 11-02-2026
Insights on 't Houten Hand
't Houten Hand files the micro format. That format states no turnover. The gross margin rose from €107,759 in 2007 to €185,017 in 2025.
The balance sheet grew most from 2009 to 2010 through fixed assets, financed with long-term debt.
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 't Houten Hand
- What is the company number of 't Houten Hand?
- The company number of 't Houten Hand is 0454.220.613. The VAT number is the same number with BE in front: BE 0454.220.613.
- Where is 't Houten Hand based?
- The registered office is at Mussenpad 4, 8300 Knokke-Heist.Company details
- What does 't Houten Hand do?
- According to the KBO register, the main activity is full-service restaurants (NACE 56111).
- What is the legal form of 't Houten Hand?
- 't Houten Hand is a private limited company (BV).
- When was 't Houten Hand founded?
- 't Houten Hand was founded on 06-01-1995.
- Is 't Houten Hand still active?
- Yes, 't Houten Hand is an active enterprise in the KBO register.
- How many employees does 't Houten Hand have?
- 't Houten Hand had an average of 3.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does 't Houten Hand fall under?
- In its 30-06-2025 annual accounts, 't Houten Hand states joint committee 302 (Hotels and catering).
- What is the turnover of 't Houten Hand?
- The turnover in financial year 2025 is ≈ €540,000. This figure is estimated from the gross margin of €185,017 and 86 comparable companies (NACE 56111). It probably lies between €450,000 and €650,000.
- Is 't Houten Hand profitable?
- In financial year 2025, 't Houten Hand made a profit of €2,823.
- Where can I find the annual accounts of 't Houten Hand?
- 't Houten Hand filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of 't Houten Hand due?
- 't Houten Hand must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
Next steps
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