H-2-H
ActiveH-2-H has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €378k and a net result of €284k. Equity is growing by ~31.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 2510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency12▲+7
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.6 in 2024), and 91.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
8.6%
Return on assets
6.4%
Age of the figures
8 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2510 sector peers (2025).
NBB · sector comparisonPosition among 2510 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
31 d late
2024
58 d late
2023
13 d late
2022
on the day
2021
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€284k
2024 · €-105k
2021: €59k
2022: €111k
2023: €10k
2024: €-105k
2021 → 2025
Working capital
€-825k▲ 9.7%
2024 · €-914k
2021: €-812k
2022: €-760k
2023: €-538k
2024: €-914k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€190k▲ 140%€199k▲ 5.0%€94k▼ 52.6%€378k▲ 300%
Operating result€96k-€155k▲ 61.6%€63k▼ 59.4%€-83k€390k
Net result€59k-€111k▲ 88.0%€10k▼ 91.4%€-105k€284k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €390k after a loss of €83k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.42M
Fixed assets
€1.27M▲ 3.8%
Current assets
€3.15M▲ 126%
Equity and liabilities €4.42M
Equity
€378k▲ 300%
Debt
€4.04M▲ 60.1%
The debt ratio falls from 96.4% to 91.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€418k▲
2024 · €-66k
Cash flow
€312k▲
2024 · €-88k
Solvency
8.6%▲
2024 · 3.6%
Current ratio
0.79▲
2024 · 0.60
Quick ratio
0.49▲
2024 · 0.29
Debt / equity
10.69▼
2024 · 26.72
ROE
75.0%▲
2024 · -110.9%
ROA
6.4%▲
2024 · -4.0%
Interest coverage
9.84▲
2024 · -3.11
Debt
€4.04M▲
2024 · €2.52M
Debt ≤ 1 year
€3.97M▲
2024 · €2.31M
Debt > 1 year
€68k▼
2024 · €216k
Income taxes
€64k▲
2024 · €539
Staff costs
€85k▲
2024 · €73k
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€2.62M€4.42M▲
Fixed assets21/28€1.22M€1.27M▲
Tangible fixed assets22/27€36k€83k▲
Furniture and vehicles24€36k€83k▲
Financial fixed assets28€1.19M€1.19M=
Current assets29/58€1.39M€3.15M▲
Stocks and contracts in progress3€718k€1.21M▲
Stocks30/36€517k€1.13M▲
Contracts in progress37€201k€79k▼
Amounts receivable within one year40/41€662k€1.94M▲
Trade receivables40€621k€1.79M▲
Other amounts receivable41€41k€148k▲
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€13k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.62M€4.42M▲
Equity10/15€94k€378k▲
Contributions10/11€20k€20k=
Profit (loss) carried forward14€74k€358k▲
Amounts payable17/49€2.52M€4.04M▲
Amounts payable after more than one year17€216k€68k▼
Financial debts170/4€216k€68k▼
Amounts payable within one year42/48€2.31M€3.97M▲
Current portion of amounts payable after more than one year42€296k€168k▼
Financial debts43€1k€400▼
Credit institutions430/8€1k€400▼
Trade debts44€351k€1.80M▲
Suppliers440/4€351k€1.80M▲
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€20k€328k▲
Taxes450/3€4k€314k▲
Remuneration and social security454/9€16k€14k▼
Other amounts payable47/48€1.64M€1.66M▲
Income statement
Code20242025
Remuneration, social security and pensions62€73k€85k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€28k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€9k€507k▲
Operating profit (loss)9901€-83k€390k▲
Financial income75/76B€2€48▲
Recurring financial income75€2€48▲
Financial charges65/66B€21k€42k▲
Recurring financial charges65€21k€42k▲
Profit (loss) for the period before taxes9903€-104k€348k▲
Income taxes67/77€539€64k▲
Profit (loss) for the period9904€-105k€284k▲
Profit (loss) for the period to be appropriated9905€-105k€284k▲
Appropriation of the result
Profit (loss) to be appropriated9906€74k€358k▲
Profit (loss) brought forward from the previous period14P€179k€74k▼
Social balance
Average headcount (FTE)90871.0-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €284k
Net result €284k after one loss-making year.
31-12
Financial
Equity above €200kEq €378k ▲300%
Equity rises from €94k to €378k.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 58 days late
2024
31-12
Financial
Weakest financial yearnet €-105k ▼1201%
Net result drops to €-105k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 13 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €150kEq €190k ▲140%
2 profitable years in a row build equity to €190k.
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2020
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.
Chemin des Hochequeues 21380 LasneGround area
8,541 m²
Building footprint
277 m²
Volume, LiDAR
1,581 m³
Parcel 25051C0041/00L000, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H-2-H
since 20202.305.647.537
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051C0041/00L000 | Wallonia | 8,541 m² | 1 · 277 m² | 8.6 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.
Similar companies · same sector, comparable size
DAUVIL
BE 0435.088.649
Vilvoorde · Eq €378k
GARAGE DE WOLF
BE 0434.229.111
Puurs-Sint-Amands · Eq €377k
GARAGE MANU UYTTERHAEGEN
BE 0474.139.463
Hoegaarden · Eq €377k
GHENT MOTOR COMPANY
BE 0464.911.892
Zulte · Eq €376k
Demaco
BE 0473.779.870
Waregem · Eq €382k
Of 7,342 companies in sector 95311 we hold annual accounts for 2,941. 2,178 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2020
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.h-2-h.be
E-mail:info@h-2-h.be