Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
HOUGARDY ET FILS from Charleroi, company number BE0420138078, closed financial year 2025 with a result of € 66,133 after tax. For that financial year HOUGARDY ET FILS recorded revenue of € 421,178 and equity of € 866,988. Compared with financial year 2024, the result moved from € 67,743 to € 66,133. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 30, 2026.
€ 866,988
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 66,133
▼ 2% vs 2024
Profit after tax over the fiscal year.
€ 77,229
▲ 123% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 60,000 paid out
91 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 49,117
▼ 23% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 24,580
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 33,448
▼ 35% vs 2024
Loans from banks and other lenders, long and short.
€ 5,190
▲ 271% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 44,089
▼ 6% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | - | € 451,001 | € 421,178 | ▼ 7% |
| Gross margin | € 233,084 | € 152,422 | € 178,962 | € 163,768 | ▼ 8% |
| Profit after taxes | € 135,676 | € 68,900 | € 67,743 | € 66,133 | ▼ 2% |
| Equity | € 845,612 | € 845,612 | € 860,855 | € 866,988 | ▲ 1% |
| Total debts | € 130,025 | € 142,292 | € 136,369 | € 124,727 | ▼ 9% |
| Cash | € 75,316 | € 27,903 | € 34,641 | € 77,229 | ▲ 123% |
| Retained profit | € 696,876 | € 696,876 | € 712,119 | € 718,252 | ▲ 1% |
| Dividend | € 60,000 | € 68,900 | € 52,500 | € 60,000 | ▲ 14% |
| Bank debt | € 47,673 | € 58,526 | € 51,076 | € 33,448 | ▼ 35% |
| Balance sheet total | € 1,139,387 | € 1,151,654 | € 1,160,973 | € 1,155,465 |
Key figures of HOUGARDY ET FILS, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to HOUGARDY ET FILS?
What happened at HOUGARDY ET FILS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 66,133 (▼ 2% vs 2024). filed late Source: NBB ↗
- New establishment in Charleroi. KBO
- Start of the company according to the CBE. KBO
In short
From € 135,676 profit in 2022 to € 66,133 profit in 2025.
Paid € 125,734 in corporate taxes since 2022.
Best year ever: 2022, with € 135,676 profit.
Paid out € 241,400 in dividends to the owners in total.
A new publication or filing at HOUGARDY ET FILS? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Establishments
Establishment units
Physical locations of this company
Rue du Fort 28
6000 Charleroi
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0420.138.078
- VAT number
- BE 0420.138.078
- Registered office
- Rue du Fort 28, 6000 Charleroi
- Names & denominations
- HOUGARDY ET FILS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 20 December 1979
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten