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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Tight liquidity NBB
Cash and receivables cover 22 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
ZAKENKANTOOR RIK HOUVENAGHEL from Diest, company number BE0471430589, closed financial year 2025 with a result of € 383,127 after tax. For that financial year ZAKENKANTOOR RIK HOUVENAGHEL recorded a gross margin of € 535,449 and equity of € 641,269. Compared with financial year 2024, the result moved from € 366,996 to € 383,127. Profitable, and profit is growing. 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 18, 2026.
€ 641,269
▲ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 383,127
▲ 4% vs 2024
Profit after tax over the fiscal year.
€ 11,015
▼ 86% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 360,000 paid out
94 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 65,978
▲ 6% 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.
€ 1,741
▲ 14% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 39,355
▼ 57% vs 2024
Loans from banks and other lenders, long and short.
€ 3,029
▼ 45% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 8,173
▼ 1% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 245,425 | € 364,978 | € 536,515 | € 535,449 | |
| Profit after taxes | € 63,960 | € 186,733 | € 366,996 | € 383,127 | ▲ 4% |
| Equity | € 576,914 | € 593,646 | € 620,642 | € 641,269 | ▲ 3% |
| Total debts | € 393,527 | € 378,705 | € 493,855 | € 501,070 | ▲ 1% |
| Cash | € 157,289 | € 32,357 | € 79,603 | € 11,015 | ▼ 86% |
| Retained profit | € 564,514 | € 581,246 | € 608,242 | € 628,869 | ▲ 3% |
| Dividend | € 55,000 | € 170,000 | € 340,000 | € 360,000 | ▲ 6% |
| Bank debt | € 195,452 | € 142,730 | € 91,327 | € 39,355 | ▼ 57% |
| Balance sheet total | € 970,441 | € 972,351 | € 1,114,497 | € 1,142,339 | ▲ 2% |
Key figures of ZAKENKANTOOR RIK HOUVENAGHEL, 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 ZAKENKANTOOR RIK HOUVENAGHEL?
What happened at ZAKENKANTOOR RIK HOUVENAGHEL in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 383,127 (▲ 4% vs 2024). filed late Source: NBB ↗
- FutureSafe CommV became a director. NBB
- Rik Houvenaghel became a director. NBB
- New establishment in Westerlo. KBO
- Start of the company according to the CBE. KBO
In short
From € 63,960 profit in 2022 to € 383,127 profit in 2025.
Paid € 36,457 in corporate taxes since 2022.
Best year ever: 2025, with € 383,127 profit.
Paid out € 925,000 in dividends to the owners in total.
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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
Management
Behind ZAKENKANTOOR RIK HOUVENAGHEL are FutureSafe CommV and Rik Houvenaghel.
Directors
According to the 2025 annual accounts
Manager · represented by Rik Houvenaghel
since 2020
Rik Houvenaghel
Manager
since 2016
Establishments
Establishment units
Physical locations of this company
Boven Molenstede 11
3294 Diest
Nieuwstraat 67 box A
2260 Westerlo
Active since 14 April 2000
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0471.430.589
- VAT number
- BE 0471.430.589
- Registered office
- Boven Molenstede 11, 3294 Diest
- Names & denominations
- ZAKENKANTOOR RIK HOUVENAGHEL
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 March 2000
- Peppol
- Active · Active since 2 Jan 2026
- Activities · NACE
Agenten en makelaars in bankdiensten
Activiteiten van verzekeringsagenten en -makelaars