Houle Huot, Licensed Insolvency Trustees

What Houle Huot, Licensed Insolvency Trustees does

Houle Huot, legally Houle Huot Syndics autoris\u00e9s en insolvabilit\u00e9 (Houle Huot s.a.), is a privately held Licensed Insolvency Trustee firm headquartered in Trois-Rivi\u00e8res, Quebec, and led by principal trustee Marc-Andr\u00e9 Houle. The firm provides federally regulated personal and commercial insolvency services \u2014 consumer proposals, personal bankruptcy, commercial bankruptcy, concordat proposals, and debt consolidation \u2014 administered under the Bankruptcy and Insolvency Act. It also offers a free confidential initial consultation, a virtual meeting channel, and educational content (radio chronicles on 106.9 FM / 107.7 FM plus website articles) as lead-generation and community-engagement tools.

The firm distributes services exclusively through a direct, wholly-owned channel: 15 physical offices spanning Mauricie, Estrie, Centre-du-Qu\u00e9bec, Lanaudi\u00e8re, Laval, Mont\u00e9r\u00e9gie, and Greater Montr\u00e9al, supplemented by remote consultations. Revenue is generated entirely through regulated trustee fees integrated into client payment plans (consumer proposals extend up to 60 months), with no disclosed outside investors, parent entity, subsidiaries, or technology-platform layer. The firm\u2019s competitive position is anchored in its regional office density, its unique Mauricie-based HQ, and consecutive Choix du Consommateur 2025\u20132026 awards in the Licensed Insolvency Trustees category.

The business model is a professional-services fee structure governed by statute, with growth dependent on Quebec consumer credit conditions and the firm\u2019s ability to convert free consultations into administered cases. Operational capacity is currently being expanded through active recruitment of Financial Controller, Insolvency Technician, and Insolvency Advisor roles, while marketing relies on content, SEO, radio, and free-consultation funnels rather than paid acquisition at scale.

Name

Houle Huot, Licensed Insolvency Trustees

Legal name

Houle Huot Syndics autorisés en insolvabilité

Website

https://houlehuot.com

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Houle Huot is a Quebec-based Licensed Insolvency Trustee firm operating 15 offices across the province, providing federally regulated consumer proposals, personal and commercial bankruptcy, and debt consolidation services to individuals and businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Trois-rivières

HQ country

Canada

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insolvency Services Fees: Houle Huot generates revenue through fees charged for regulated insolvency services including consumer proposals, personal bankruptcy filings, commercial bankruptcy, and concordat proposals. These fees are governed by the Bankruptcy and Insolvency Act (Loi sur la faillite et l'insolvabilité) to ensure accessibility for indebted individuals. The syndics' fees are integrated into monthly payments made by clients, as described for consumer proposals which run up to 60 months.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Houle Huot is a Quebec-licensed insolvency trustee firm providing regulated debt-relief services to individuals and businesses. Its core offering comprises personal insolvency services (consumer proposals to negotiate debt reduction and personal bankruptcy filings), commercial insolvency services (commercial bankruptcy and concordat proposals), and debt consolidation to combine multiple debts into a single monthly payment. The firm supports delivery through free confidential consultations, virtual meetings, and 15 physical offices across Quebec.

Product overview

Houle Huot is a licensed insolvency trustee firm offering a unified suite of debt relief services for both individuals and businesses across Quebec. The core offerings consist of personal insolvency services (consumer proposals and personal bankruptcy), commercial insolvency services (business bankruptcy and proposal arrangements), and debt consolidation. Additional support includes free confidential consultations, virtual meeting options, and financial education through radio chronicles and articles. The firm operates 15 offices across Quebec regions including Mauricie, Estrie, Centre-du-Québec, Lanaudière, Laval, Montérégie, and Montréal.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insolvency Services (Consumer Proposals and Personal Bankruptcy) Regulated personal debt-relief services for over-indebted Quebec individuals, comprising consumer proposals (proposition de consommateur) that negotiate debt reduction with creditors while preserving assets, and personal bankruptcy (faillite personnelle) filings that provide legal protection from creditor harassment and a structured fresh financial start, with credit counseling and debt consolidation guidance.
• Commercial Insolvency Services (Commercial Bankruptcy and Concordat Proposal) Business-focused insolvency services for Quebec companies, including commercial bankruptcy (faillite commerciale) proceedings and concordat proposals (proposition concordataire) to restructure debts while continuing operations, with the goal of avoiding liquidation and preserving employee positions.
• Debt Consolidation (Consolidation de dettes) Service combining multiple debts into a single loan with potentially lower interest rates and simplified monthly payments, helping Quebec clients regain financial stability without resorting to bankruptcy.
• Free Consultation Service (Consultation gratuite) Complimentary, confidential initial consultation providing a financial assessment and personalized recommendations. The first meeting is at no cost and carries no obligation, allowing clients to understand their insolvency options before proceeding.
• Virtual Consultation Service (Rencontre virtuelle) Remote consultation service allowing Quebec clients to meet with licensed insolvency trustees by video conference, expanding accessibility beyond the firm's 15 physical offices.

Quantifiable outcome

• Consumer proposal payments spread over up to 60 months (5 years)
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Raymond Chabot Grant Thornton: Quebec-headquartered licensed insolvency trustee firm with a broad provincial office network offering consumer proposals, personal and commercial bankruptcy. Most direct regional competitor to Houle Huot in the Quebec insolvency market.
• MNP LLP: Canadian professional services firm with a large licensed insolvency trustee practice and one of the deepest consumer insolvency footprints nationally; competes for the same consumer proposal and bankruptcy volume in Quebec.
• Farber: Canadian insolvency and financial advisory firm offering personal and commercial insolvency services. Operates as a specialist trustee-style firm comparable to Houle Huot in service mix and target customer.
• Crowe Soberman: Canadian accounting firm with a dedicated insolvency and restructuring practice providing consumer proposals and bankruptcy services. Comparable mid-sized alternative for the same customer segments.

Broad incumbents

• Grant Thornton: National accounting and advisory firm with an insolvency practice. Provides consumer proposal and bankruptcy services in Quebec with a broader service portfolio than a pure-play trustee.
• KPMG: Global Big Four firm with a restructuring practice in Montreal/Quebec that handles commercial insolvency, formal restructuring, and concordat work. Competes on larger and more complex commercial mandates.
• PwC: Big Four firm with a restructuring and insolvency practice in Quebec. Competes primarily for mid-market and large commercial insolvency engagements rather than high-volume consumer work.
• BDO Canada: National accounting and advisory firm with a dedicated insolvency and restructuring practice. Overlaps with Houle Huot on commercial bankruptcy, concordat proposals, and consumer insolvency, but as part of a broader audit/tax portfolio.
• Richter: Montreal-based accounting and advisory firm with a restructuring and insolvency practice. Competes for commercial concordat and restructuring mandates in Quebec with a more enterprise-skewed offering than Houle Huot.
• Deloitte: Big Four firm with a restructuring practice operating in Quebec. Overlaps with Houle Huot on commercial bankruptcy and concordat work but does not focus on high-volume consumer proposal origination.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/intent/post?url=https://houlehuot.com
• Facebookfacebook.com/HouleHuot
• LinkedInlinkedin.com/company/houle-huot

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Houle Huot, Licensed Insolvency Trustees