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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 6 % of short-term debt in 2025; threshold 65 %.
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Legal situation KBO
Gerechtelijke ontbinding of nietigheid according to the CBE.
Financials
Financial year 2025
HOWBAY from Elsene, company number BE0692656907, closed financial year 2025 with a result of € -2,357 after tax. For that financial year HOWBAY recorded a gross margin of € -157 and equity of € 20,342. Compared with financial year 2024, the result moved from € -3,394 to € -2,357. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 24, 2026.
€ 20,342
▼ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,357
▲ 31 % less loss than in 2024
Profit after tax over the fiscal year.
€ 8,605
▲ 21% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 342.
Debts at end 2025
€ 57,295
▼ 44% vs 2024
€ 45,700 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,357 | € -247 | € -157 | € -157 | |
| Profit after taxes | € -5,095 | € -4,626 | € -3,394 | € -2,357 | ▲ € 1,037 |
| Equity | € 30,720 | € 26,094 | € 22,699 | € 20,342 | ▼ 10% |
| Total debts | € 569,384 | € 573,570 | € 575,110 | € 578,986 | ▲ 1% |
| Cash | € 9,236 | € 8,941 | € 7,086 | € 8,605 | ▲ 21% |
| Retained profit | € 10,720 | € 6,094 | € 2,699 | € 342 | ▼ 87% |
| Bank debt | € 188,055 | € 145,500 | € 101,922 | € 57,295 | ▼ 44% |
| Balance sheet total | € 600,104 | € 599,664 | € 597,809 | € 599,328 |
Key figures of HOWBAY, 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 HOWBAY?
What happened at HOWBAY in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
HOWBAY is active according to the CBE. Legal situation: Gerechtelijke ontbinding of nietigheid.
- New annual accounts for financial year 2025: loss of € 2,357. filed late Source: NBB ↗
- New establishment in Tongeren-Borgloon. KBO
- Start of the company according to the CBE. KBO
In short
From € 5,095 loss in 2022 to € 2,357 loss in 2025.
Paid € 460 in corporate taxes since 2022.
Establishments
Establishment units
Physical locations of this company
Maria Malibranstraat 40A
1050 Elsene
Grote Markt 11
3700 Tongeren-Borgloon
Active since 19 March 2018
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0692.656.907
- VAT number
- BE 0692.656.907
- Registered office
- Maria Malibranstraat 40A, 1050 Elsene
- Names & denominations
- HOWBAY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Gerechtelijke ontbinding of nietigheid
- Start date
- 19 March 2018
- Peppol
- Active · Active since 30 Dec 2025
- Activities · NACE
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