GUNTER HECTORS
ActiveGUNTER HECTORS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €498k and a net result of €87k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+13
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 20.68 against 7.27 in 2024), and 5.1% 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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
94.9%
Return on assets
16.6%
Age of the figures
11 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
40 d early
2023
19 d early
2022
9 d early
2021
33 d early
2020
39 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€498k▲ 13.1%
2024 · €440k
2018: €355k
2019: €386k
2020: €408k
2021: €243k
2022: €346k
2023: €374k
2024: €440k
2018 → 2025
Total assets
€525k▲ 2.5%
2024 · €512k
2018: €534k
2019: €577k
2020: €469k
2021: €448k
2022: €493k
2023: €454k
2024: €512k
2018 → 2025
Net result
€87k▲ 31.4%
2024 · €66k
2018: €-3k
2019: €33k
2020: €25k
2021: €40k
2022: €102k
2023: €87k
2024: €66k
2018 → 2025
Working capital
€495k▲ 13.6%
2024 · €436k
2018: €477k
2019: €496k
2020: €395k
2021: €230k
2022: €354k
2023: €377k
2024: €436k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€243k-€346k▲ 42.0%€374k▲ 8.1%€440k▲ 17.8%€498k▲ 13.1%
Operating result€58k-€148k▲ 154%€118k▼ 20.0%€94k▼ 20.9%€130k▲ 39.1%
Net result€40k-€102k▲ 158%€87k▼ 14.6%€66k▼ 24.0%€87k▲ 31.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 39% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €525k
Fixed assets
€4k▼ 33.4%
Current assets
€520k▲ 3.0%
Equity and liabilities €525k
Equity
€498k▲ 13.1%
Debt
€27k▼ 62.4%
The debt ratio falls from 14.0% to 5.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€132k▲
2024 · €95k
Cash flow
€89k▲
2024 · €68k
Solvency
94.9%▲
2024 · 86.0%
Current ratio
20.68▲
2024 · 7.27
Quick ratio
20.24▲
2024 · 7.27
Debt / equity
0.05▼
2024 · 0.16
ROE
17.5%▲
2024 · 15.1%
ROA
16.6%▲
2024 · 13.0%
Interest coverage
67.81▲
2024 · 41.75
Debt
€27k▼
2024 · €72k
Debt ≤ 1 year
€25k▼
2024 · €70k
Income taxes
€42k▲
2024 · €26k
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€512k€525k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€743▼
Financial fixed assets28€2k€2k=
Current assets29/58€505k€520k▲
Stocks and contracts in progress3-€11k
Stocks30/36-€11k
Amounts receivable within one year40/41€50k€10k▼
Trade receivables40€41k€6k▼
Other amounts receivable41€9k€3k▼
Current investments50/53€989€994▲
Cash at bank and in hand54/58€455k€498k▲
Deferred charges and accrued income490/1€153-
Equity and liabilities
Total equity and liabilities10/49€512k€525k▲
Equity10/15€440k€498k▲
Contributions10/11€19k€19k=
Reserves13€422k€479k▲
Distributable reserves133€422k€479k▲
Amounts payable17/49€72k€27k▼
Amounts payable within one year42/48€70k€25k▼
Trade debts44€27k€7k▼
Suppliers440/4€27k€7k▼
Taxes, remuneration and social security45€1k€9k▲
Taxes450/3€1k€9k▲
Other amounts payable47/48€42k€9k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€97k€134k▲
Operating profit (loss)9901€94k€130k▲
Financial income75/76B€890€1k▲
Recurring financial income75€890€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€92k€129k▲
Income taxes67/77€26k€42k▲
Profit (loss) for the period9904€66k€87k▲
Profit (loss) for the period to be appropriated9905€66k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€87k▲
Transfer from equity791/2-€30k
Transfer to equity691/2€66k€87k▲
To other reserves6921€66k€87k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (7 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity triplescurrent ratio 20.68
Current ratio from 7.27 to 20.68; short-term debt falls from €70k to €25k.
21-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €102k ▲158%
Operating result €148k, net result €102k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-03
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, Kalmthout · 1 establishment unit since 2005
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.
Den Dijk (Dp) 122920 KalmthoutGround area
1,406 m²
Building footprint
234 m²
Volume, LiDAR
1,301 m³
Parcel 11022G0003/00S007, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gunter Hectors
since 20052.148.586.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0003/00S007 | Flanders | 1,406 m² | 1 · 234 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 19,947 companies in sector 43320 we hold annual accounts for 9,084. 5,942 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2005
Fiscal year end30-09
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.