Habitat et Participation
ActiveHabitat et Participation has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €572k and a net result of €33k. Equity is growing by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 48% of 494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+8
Solvency99▲+8
Growth67▲+14
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 4.75 against 5.89 in 2024), and 39.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 94
Relative position
BE, all sectors
reference
Sector 94
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
60.3%
Return on assets
3.5%
Age of the figures
8 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
57 d early
2023
21 d early
2022
183 d late
2021
37 d early
2020
45 d late
2019
49 d late
← before the deadline
after the deadline →
neutral · 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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€26k▼ 6.3%
2024 · €27k
2018: €19k
2019: €19k
2020: €20k
2021: €17k
2022: €23k
2023: €15k
2024: €27k
2018 → 2025
EBIT margin
120.9%▲ 102.5pp
2024 · 18.3%
2018: 78.8%
2019: 544.2%
2020: 574.0%
2021: 329.2%
2022: 449.6%
2023: 9.3%
2024: 18.3%
2018 → 2025
Net result
€33k▲ 600%
2024 · €5k
2018: €14k
2019: €87k
2020: €117k
2021: €56k
2022: €104k
2023: €325
2024: €5k
2018 → 2025
Working capital
€726k▼ 22.9%
2024 · €941k
2018: €516k
2019: €482k
2020: €584k
2021: €601k
2022: €757k
2023: €661k
2024: €941k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17k-€23k▲ 34.2%€15k▼ 34.6%€27k▲ 79.4%€26k▼ 6.3%
Equity€429k-€533k▲ 24.4%€533k▲ 0.1%€538k▲ 0.9%€572k▲ 6.2%
Operating result€57k-€104k▲ 83.2%€1k▼ 98.6%€5k▲ 253%€31k▲ 517%
Net result€56k-€104k▲ 88.1%€325▼ 99.7%€5k▲ 1,367%€33k▲ 600%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 517% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €947k
Fixed assets
€28k▼ 5.6%
Current assets
€919k▼ 18.9%
Equity and liabilities €947k
Equity
€572k▲ 6.2%
Debt
€376k▼ 39.9%
The debt ratio falls from 53.7% to 39.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€37k▲
2024 · €13k
Cash flow
€39k▲
2024 · €13k
Solvency
60.3%▲
2024 · 46.3%
Current ratio
4.75▼
2024 · 5.89
Quick ratio
4.75▼
2024 · 5.89
Debt / equity
0.66▼
2024 · 1.16
ROE
5.8%▲
2024 · 0.9%
ROA
3.5%▲
2024 · 0.4%
Interest coverage
30.18▲
2024 · 11.65
Debt
€376k▼
2024 · €625k
Debt ≤ 1 year
€194k▲
2024 · €193k
Staff costs
€1.01M▲
2024 · €955k
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€1.16M€947k▼
Fixed assets21/28€29k€28k▼
Tangible fixed assets22/27€9k€7k▼
Furniture and vehicles24€9k€7k▼
Financial fixed assets28€20k€21k▲
Current assets29/58€1.13M€919k▼
Amounts receivable within one year40/41€360k€186k▼
Trade receivables40€8k€5k▼
Other amounts receivable41€352k€181k▼
Cash at bank and in hand54/58€766k€724k▼
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€1.16M€947k▼
Equity10/15€538k€572k▲
Reserves13€373k€571k▲
Profit (loss) carried forward14€166k€967▼
Amounts payable17/49€625k€376k▼
Amounts payable within one year42/48€193k€194k▲
Trade debts44€47k€85k▲
Suppliers440/4€47k€85k▲
Taxes, remuneration and social security45€146k€109k▼
Taxes450/3€12k-
Remuneration and social security454/9€133k€109k▼
Accrued charges and deferred income492/3€433k€182k▼
Income statement
Code20242025
Turnover70€27k€26k▼
Goods, raw materials, services and sundry goods60/61€322k€278k▼
Remuneration, social security and pensions62€955k€1.01M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€6k▼
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€26k€5k▼
Gross operating margin9900€998k€1.05M▲
Operating profit (loss)9901€5k€31k▲
Financial income75/76B€940€4k▲
Recurring financial income75€940€4k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€5k€33k▲
Profit (loss) for the period9904€5k€33k▲
Profit (loss) for the period to be appropriated9905€5k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€166k€199k▲
Profit (loss) brought forward from the previous period14P€161k€166k▲
From contributions791-€202k
To contributions691-€400k
Social balance
Average headcount (FTE)908714.714.4▼
The notes to these accounts (10 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
29-07
State Gazette act
Resignations & appointmentsBoard meeting · Director appointment3 facts ▸
State Gazette act
Resignations & appointments
Board meeting · Director appointment3 facts ▸
- Board meeting, 2026-06-22
- Director appointment, Valérie Gobbe (déléguée à la gestion journalière)
- Director appointment, Stéphanie Davin (déléguée à la gestion journalière)
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 183 days late
2023
31-12
Financial
Weakest financial yearnet €325 ▼99.7%
Net result drops to €325, the lowest in the series; recovery starts the following year.
2022
31-12
Financial
Equity above €500kEq €533k ▲24.4%
5 profitable years in a row build equity to €533k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Highest result since 2018net €117k ▲33.4%
Operating result €117k, net result €117k, both a record.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 49 days late
2019
31-12
Financial
Equity above €200kEq €256k ▲51.7%
2 profitable years in a row build equity to €256k.
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 directors, no change since 2025
Stéphanie Davin
CurrentDéléguée à la gestion journalière · since 20-07-2025
Valérie Gobbe
CurrentDéléguée à la gestion journalière · since 20-07-2025
19-12-2025
Naïma Boudida: Resigned as Director
20-07-2025
Stéphanie Davin: Appointed as Déléguée à la gestion journalière
20-07-2025
Valérie Gobbe: Appointed as Déléguée à la gestion journalière
12-05-2025
Carlos Garcia: Resigned as Director
13-05-2019
Benoit Debuigne: Resigned as Managing director
13-05-2019
Hugo Lantair: Resigned as Director
13-05-2019
Serges Morciaux: Resigned as Director
25-06-2018
Myriam Hilgers: Resigned as Director
14-12-2017
Sarah Van Hollebeke: Resigned as Director
18-07-2017
Nicolas BERNARD: Resigned as Director
04-09-2015
CCBW (Centre Culturel du Brabant Wallon): Resigned as Director
10-03-2015
Jacqueline MILLER: Resigned as Director
10-03-2015
Marie Bourgeois: Resigned as Director
Location & real-estate footprint
Registered office, Ottignies-Louvain-la-Neuve · 2 establishment units since 2008
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.
Traverse d'Esope 61348 Ottignies-Louvain-la-NeuveGround area
2,309 m²
Building footprint
1,170 m²
Volume, LiDAR
25,090 m³
2 parcels, Brussels, Wallonia · tallest building 27.5 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Habitat et Participation
since 20082.172.521.965
Habitat et Participation
since 20172.268.246.020
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25386B0066/00C003 | Wallonia | 1,421 m² | 1 · 1,170 m² | 27.5 m · 7 fl. |
| 21013B0020/00R003 | Brussels | 887 m² | - | - |
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.
Structure & network
Connections & network
2 connected companiesNetwork connections
Shared address
→
Shared address
→
Public money · subsidies and aid
Wallonia-Brussels Federation
2023 to 2025 · 9 entries · 440,277 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 3 | 150,225 EUR |
| 2024 | 3 | 139,928 EUR |
| 2023 | 3 | 150,124 EUR |
Budget allocations
Subventions aux associations reconnues à durée indéterminée dans le cadre du décret du 17 juillet 2003
Subventions aux associations reconnues à durée déterminée et indéterminée dans le cadre du décret du 17 juillet 2003
Similar companies · same sector, comparable size
Rebelle
BE 0412.830.713
Brussel · Eq €568k
LES EQUIPES POPULAIRES
BE 0416.564.322
Namur · Eq €595k
PEGI
BE 0812.337.188
Brussel · Eq €545k
CURIEUS
BE 0414.371.132
Antwerpen · Eq €540k
L'Observatoire du Crédit et de l'Endettement
BE 0452.320.403
Charleroi · Eq €537k
Of 441 companies in sector 94992 we hold annual accounts for 137. 99 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded29-06-1982
Fiscal year end31-12
Activities, NACEBEL
94992Activities of membership organisations
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.