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 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
HABITALUX from Bièvre, company number BE0891635975, closed financial year 2025 with a result of € 91,277 after tax. For that financial year HABITALUX recorded a gross margin of € 202,114 and equity of € 181,035. Compared with financial year 2024, the result moved from € 82,449 to € 91,277. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 10, 2025.
€ 181,035
▲ 102% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 91,277
▲ 11% vs 2024
Profit after tax over the fiscal year.
€ 7,784
▼ 53% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 162,435.
Debts at end 2025
€ 522,004
▼ 15% vs 2024
€ 90,757 is repaid this year. At this pace the long-term loan is gone in ≈ 6 years.
€ 33,618
▲ 15% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 18,732
▲ 30% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 190,680 | € 182,943 | € 196,647 | € 202,114 | ▲ 3% |
| Profit after taxes | € 63,847 | € 62,405 | € 82,449 | € 91,277 | ▲ 11% |
| Equity | € -55,096 | € 7,309 | € 89,758 | € 181,035 | ▲ 102% |
| Total debts | € 1,537,471 | € 1,389,931 | € 1,112,880 | € 980,561 | ▼ 12% |
| Cash | € 80,443 | € 112,282 | € 16,498 | € 7,784 | ▼ 53% |
| Land & buildings | € 1,303,682 | € 1,230,928 | € 1,164,300 | € 1,097,672 | ▼ 6% |
| Retained profit | € -73,696 | € -11,291 | € 71,158 | € 162,435 | ▲ 128% |
| Bank debt | € 790,070 | € 701,410 | € 612,057 | € 522,004 | ▼ 15% |
| Balance sheet total | € 1,482,376 | € 1,397,240 | € 1,202,638 | € 1,161,596 | ▼ 3% |
Key figures of HABITALUX, 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 October 2026.
What happened to HABITALUX?
What happened at HABITALUX in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 91,277 (▲ 11% vs 2024). Source: NBB ↗
- MICHAEL ISTACE became a director. NBB
- New establishment in Daverdisse. KBO
- Start of the company according to the CBE. KBO
In short
From € 63,847 profit in 2022 to € 91,277 profit in 2025.
Paid € 87,666 in corporate taxes since 2022.
Best year ever: 2025, with € 91,277 profit.
Management
Behind HABITALUX is MICHAEL ISTACE.
Directors
According to the 2025 annual accounts
MICHAEL ISTACE
Director
since 2016
Establishments
Establishment units
Physical locations of this company
Rue de Bouillon 148 box 7/A
5555 Bièvre
Culot-de-Lahaut, Porcheresse 84
6929 Daverdisse
Active since 5 September 2007
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0891.635.975
- VAT number
- BE 0891.635.975
- Registered office
- Rue de Bouillon 148 bus 7/A, 5555 Bièvre
- Names & denominations
- HABITALUX
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 27 August 2007
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
Ontwikkeling van residentiële bouwprojecten
Handelsbemiddeling in de groothandel in andere specifieke goederen
Vervaardiging van metalen constructiewerken en delen daarvan