GELDHOF
ActiveGELDHOF has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €260k and a net result of €-31k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 7278 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-34
Solvency92▲+3
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 1.96 in 2024), but 53.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.9%
Return on assets
-5.5%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
1 d early
2023
1 d early
2022
8 d early
2021
on the day
2020
45 d early
2019
45 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€260k▼ 10.6%
2024 · €291k
2019: €239k
2020: €251k
2021: €249k
2022: €262k
2023: €271k
2024: €291k
2019 → 2025
Total assets
€555k▼ 14.0%
2024 · €645k
2019: €701k
2020: €699k
2021: €667k
2022: €693k
2023: €672k
2024: €645k
2019 → 2025
Net result
€-31k
2024 · €20k
2019: €-14k
2020: €12k
2021: €-1k
2022: €12k
2023: €9k
2024: €20k
2019 → 2025
Working capital
€216k=
2024 · €216k
2019: €182k
2020: €215k
2021: €210k
2022: €212k
2023: €212k
2024: €216k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€249k-€262k▲ 4.9%€271k▲ 3.6%€291k▲ 7.3%€260k▼ 10.6%
Operating result€5k-€23k▲ 369%€19k▼ 16.7%€36k▲ 87.6%€-18k
Net result€-1k-€12k€9k▼ 24.3%€20k▲ 113%€-31k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €18k after €36k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €555k
Fixed assets
€163k▼ 20.2%
Current assets
€392k▼ 11.2%
Equity and liabilities €555k
Equity
€260k▼ 10.6%
Debt
€295k▼ 16.9%
The debt ratio falls from 54.9% to 53.1%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€20k▼
2024 · €67k
Cash flow
€8k▼
2024 · €51k
Solvency
46.9%▲
2024 · 45.1%
Current ratio
2.23▲
2024 · 1.96
Quick ratio
0.97▼
2024 · 0.98
Debt / equity
1.13▼
2024 · 1.22
ROE
-11.8%▼
2024 · 6.8%
ROA
-5.5%▼
2024 · 3.1%
Interest coverage
1.54▼
2024 · 7.48
Debt
€295k▼
2024 · €355k
Debt ≤ 1 year
€176k▼
2024 · €226k
Debt > 1 year
€119k▼
2024 · €129k
Income taxes
€0▼
2024 · €7k
Staff costs
€138k▲
2024 · €90k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€645k€555k▼
Fixed assets21/28€204k€163k▼
Tangible fixed assets22/27€201k€163k▼
Land and buildings22€121k€106k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€73k€53k▼
Financial fixed assets28€3k€0▼
Current assets29/58€442k€392k▼
Stocks and contracts in progress3€220k€221k▲
Stocks30/36€220k€221k▲
Amounts receivable within one year40/41€132k€80k▼
Trade receivables40€131k€78k▼
Other amounts receivable41€854€3k▲
Cash at bank and in hand54/58€88k€79k▼
Deferred charges and accrued income490/1€2k€12k▲
Equity and liabilities
Total equity and liabilities10/49€645k€555k▼
Equity10/15€291k€260k▼
Contributions10/11€31k€31k=
Reserves13€260k€229k▼
Distributable reserves133€260k€229k▼
Amounts payable17/49€355k€295k▼
Amounts payable after more than one year17€129k€119k▼
Financial debts170/4€129k€119k▼
Amounts payable within one year42/48€226k€176k▼
Current portion of amounts payable after more than one year42€32k€33k▲
Trade debts44€31k€17k▼
Suppliers440/4€31k€17k▼
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€12k€7k▼
Remuneration and social security454/9€3k€3k▼
Other amounts payable47/48€147k€117k▼
Income statement
Code20242025
Non-recurring operating income76A€10k€0▼
Remuneration, social security and pensions62€90k€138k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€38k▲
Other operating charges640/8€7k€10k▲
Gross operating margin9900€164k€168k▲
Operating profit (loss)9901€36k€-18k▼
Financial income75/76B€1€600▲
Recurring financial income75€1€600▲
Financial charges65/66B€9k€13k▲
Recurring financial charges65€9k€13k▲
Profit (loss) for the period before taxes9903€27k€-31k▼
Income taxes67/77€7k€0▼
Profit (loss) for the period9904€20k€-31k▼
Profit (loss) for the period to be appropriated9905€20k€-31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€-31k▼
Transfer from equity791/2-€31k
Transfer to equity691/2€20k€0▼
To other reserves6921€20k€0▼
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-31k ▼255%
Net result drops to €-31k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €20k ▲113%
Operating result €36k, net result €20k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
2019
17-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
19-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Izegem · 1 establishment unit since 1988
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Oosthoekstraat 38870 IzegemGround area
3,256 m²
Building footprint
443 m²
Volume, LiDAR
1,683 m³
2 parcels, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Oosthoekstraat 5, 8870 Izegem
since 19882.041.066.872
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36009B0642/00S000 | Flanders | 2,186 m² | 1 · 287 m² | 7.7 m · 1 fl. |
| 36009B0642/00N000 | Flanders | 1,069 m² | 1 · 156 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DAKWERKEN VAN HYFTE
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Algemene Ondernemingen Kris Houben
BE 0719.917.964
Lummen · Eq €260k
Kempische Woonprojecten
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Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 11,274 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-11-1988
Fiscal year end30-06
Activities, NACEBEL
41001General construction of residential buildings
45211
46831Wholesale of construction materials, general range
47521Retail sale of hardware, building materials, paint and glass (general range)
51532
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.