H.C.N. CONSULTING
ActiveH.C.N. CONSULTING has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.59M and a net result of €-6k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 9195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
short-term debt: 0.2% and cash: 10% of total assets, and 6% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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%
Return on assets
-0.3%
Age of the figures
9 mo
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
7 d early
2022
35 d early
2021
24 d late
2020
23 d late
2019
32 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€49k
EBIT margin
-81.0%
Net result
€-6k▲ 70.1%
2024 · €-19k
2018: €27k
2019: €-8k
2020: €-20k
2021: €-32k
2022: €61k
2023: €228k
2024: €-19k
2018 → 2025
Working capital
€865k▲ 3.1%
2024 · €839k
2018: €648k
2019: €668k
2020: €669k
2021: €457k
2022: €766k
2023: €808k
2024: €839k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€49k
Equity€1.31M-€1.37M▲ 4.7%€1.59M▲ 16.7%€1.58M▼ 1.0%€1.59M▲ 0.5%
Operating result€-37k-€-11k▲ 71.0%€-40k▼ 271%€-42k▼ 5.0%€-28k▲ 32.3%
Net result€-32k-€61k€228k▲ 271%€-19k€-6k▲ 70.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €28k in 2025 against €42k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.69M
Fixed assets
€819k▼ 4.1%
Current assets
€868k▲ 3.1%
Equity and liabilities €1.69M
Equity
€1.59M▲ 0.5%
Provisions
€97k▼ 14.4%
Debt
€4k▲ 4.2%
The debt ratio stays at 0.2%.
Key figures and ratios
EBITDA
€17k▲
2024 · €9k
Cash flow
€40k▲
2024 · €32k
Solvency
94.0%▲
2024 · 93.1%
Debt / equity
0.00▲
2024 · 0.00
ROE
-0.4%▲
2024 · -1.2%
ROA
-0.3%▲
2024 · -1.1%
Interest coverage
18.41▲
2024 · 17.44
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€3k▲
2024 · €3k
Income taxes
€220▼
2024 · €234
A ratio outside any meaningful range has been withheld (balance sheet total €1.69M, equity €1.59M).
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€1.70M€1.69M▼
Fixed assets21/28€853k€819k▼
Tangible fixed assets22/27€853k€819k▼
Land and buildings22€793k€764k▼
Furniture and vehicles24€60k€54k▼
Current assets29/58€842k€868k▲
Amounts receivable after more than one year29€37k€37k▼
Trade receivables290€37k€37k▼
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€7k€9k▲
Trade receivables40€216€373▲
Other amounts receivable41€7k€8k▲
Current investments50/53€611k€653k▲
Cash at bank and in hand54/58€186k€168k▼
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.69M▼
Equity10/15€1.58M€1.59M▲
Contributions10/11€63k€63k=
Capital10€63k€63k=
Issued capital100€63k€63k=
Reserves13€294k€297k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€288k€291k▲
Profit (loss) carried forward14€1.22M€1.23M▲
Provisions and deferred taxes16€113k€97k▼
Deferred taxes168€113k€97k▼
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€3k▲
Trade debts44-€191
Suppliers440/4-€191
Taxes, remuneration and social security45€905€317▼
Taxes450/3€905€317▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€822€840▲
Income statement
Code20242025
Non-recurring operating income76A-€492
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€46k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€10k€19k▲
Operating profit (loss)9901€-42k€-28k▲
Financial income75/76B€20k€20k▲
Recurring financial income75€20k€20k▲
Financial charges65/66B€512€942▲
Recurring financial charges65€512€942▲
Profit (loss) for the period before taxes9903€-22k€-9k▲
Transfer from deferred taxes780€3k€3k▲
Income taxes67/77€234€220▼
Profit (loss) for the period9904€-19k€-6k▲
Transfer from tax-exempt reserves789€10k€10k▲
Profit (loss) for the period to be appropriated9905€-9k€5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.22M€1.23M▲
Profit (loss) brought forward from the previous period14P€1.23M€1.22M▼
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 · abbreviated schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €228k ▲271%
Net result €228k, the highest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €61k
Net result €61k after 3 loss-making years.
31-12
Financial
Liquidity times 37current ratio 862.69
Current ratio from 23.03 to 862.69; short-term debt falls from €21k to €889.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-32k
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Tongeren-Borgloon · 1 establishment unit since 1990
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.
Hasseltsesteenweg 5003700 Tongeren-BorgloonGround area
1,128 m²
Building footprint
112 m²
Volume, LiDAR
588 m³
Parcel 73062A0283/00N000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hasseltsesteenweg 500, 3700 Tongeren-Borgloon
since 19902.050.613.652
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73062A0283/00N000 | Flanders | 1,128 m² | 1 · 112 m² | 7.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTongeren-Borgloon2.050.613.652
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 2,875 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-10-1990
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.