H.C. CERAMIC
ActiveH.C. CERAMIC has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €2k. Equity is growing by ~11.5% per year across the filed fiscal years. Its solvency ranks better than 59% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability12▲+12
Solvency96▲+5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.06 against 1.8 in 2024), and 46.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
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
53.3%
Return on assets
1.3%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 10 filingsDeviation from the deadline
2025
25 d late
2024
26 d late
2023
29 d late
2022
31 d late
2021
61 d late
2020
27 d late
2019
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 2.4%
2024 · €92k
2018: €35k
2019: €40k
2020: €41k
2021: €74k
2022: €112k
2023: €93k
2024: €92k
2018 → 2025
Total assets
€178k▼ 2.8%
2024 · €183k
2018: €208k
2019: €250k
2020: €278k
2021: €297k
2022: €377k
2023: €192k
2024: €183k
2018 → 2025
Net result
€2k
2024 · €-529
2018: €11k
2019: €5k
2020: €2k
2021: €33k
2022: €38k
2023: €-19k
2024: €-529
2018 → 2025
Working capital
€88k▲ 21.9%
2024 · €72k
2018: €12k
2019: €5k
2020: €13k
2021: €27k
2022: €75k
2023: €64k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€112k▲ 51.3%€93k▼ 16.9%€92k▼ 0.6%€95k▲ 2.4%
Operating result€41k-€55k▲ 33.8%€-11k€4k€14k▲ 213%
Net result€33k-€38k▲ 15.8%€-19k€-529▲ 97.2%€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 213% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€7k▼ 65.6%
Current assets
€171k▲ 5.1%
Equity and liabilities €178k
Equity
€95k▲ 2.4%
Debt
€83k▼ 8.2%
The debt ratio falls from 49.4% to 46.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2024 · €20k
Cash flow
€7k▼
2024 · €15k
Solvency
53.3%▲
2024 · 50.6%
Current ratio
2.06▲
2024 · 1.80
Quick ratio
1.09▲
2024 · 0.95
Debt / equity
0.88▼
2024 · 0.98
ROE
2.4%▲
2024 · -0.6%
ROA
1.3%▲
2024 · -0.3%
Interest coverage
2.89▲
2024 · 2.30
Debt
€83k▼
2024 · €90k
Debt ≤ 1 year
€83k▼
2024 · €90k
Income taxes
€6k▲
2024 · €1k
Staff costs
€69k▲
2024 · €34k
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€183k€178k▼
Fixed assets21/28€21k€7k▼
Tangible fixed assets22/27€21k€7k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€17k€4k▼
Other tangible fixed assets26€1k€948▼
Current assets29/58€162k€171k▲
Stocks and contracts in progress3€76k€80k▲
Stocks30/36€76k€80k▲
Amounts receivable within one year40/41€42k€31k▼
Trade receivables40€6k€14k▲
Other amounts receivable41€35k€18k▼
Cash at bank and in hand54/58€44k€58k▲
Deferred charges and accrued income490/1-€474
Equity and liabilities
Total equity and liabilities10/49€183k€178k▼
Equity10/15€92k€95k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€72k€74k▲
Amounts payable17/49€90k€83k▼
Amounts payable within one year42/48€90k€83k▼
Current portion of amounts payable after more than one year42€8k€1k▼
Trade debts44€44k€28k▼
Suppliers440/4€44k€28k▼
Advances received on contracts in progress46-€9k
Taxes, remuneration and social security45€29k€29k▼
Taxes450/3€28k€17k▼
Remuneration and social security454/9€1k€12k▲
Other amounts payable47/48€9k€15k▲
Income statement
Code20242025
Non-recurring operating income76A-€30k
Remuneration, social security and pensions62€34k€69k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€5k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€57k€90k▲
Operating profit (loss)9901€4k€14k▲
Financial income75/76B€5k€294▼
Recurring financial income75€5k€294▼
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€549€8k▲
Income taxes67/77€1k€6k▲
Profit (loss) for the period9904€-529€2k▲
Profit (loss) for the period to be appropriated9905€-529€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€72k€74k▲
Profit (loss) brought forward from the previous period14P€72k€72k▼
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-19k ▼150%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2018net €38k ▲15.8%
Operating result €55k, net result €38k, both a record.
31-12
Financial
Equity above €100kEq €112k ▲51.3%
5 profitable years in a row build equity to €112k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Mons · 1 establishment unit since 2012
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.
Avenue Foch 7997012 MonsGround area
409 m²
Building footprint
263 m²
Volume, LiDAR
2,081 m³
Parcel 53043B1108/00L005, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Home Carrelage
since 20122.209.021.184
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53043B1108/00L005 | Wallonia | 409 m² | 1 · 262 m² | 11.2 m · 3 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 167 companies in sector 46835 we hold annual accounts for 112. 74 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2012
Fiscal year end31-12
Activities, NACEBEL
46835Wholesale trade
47523Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.