H de L
ActiveH de L has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €34k and a net result of €-2k. Equity is growing by ~66.9% per year across the filed fiscal years. Its solvency ranks better than 56% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability61▲+16
Solvency72▲+14
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 0.98 in 2023; short-term debt: 52.8% and cash: 15.2% of total assets), and 52.8% 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
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 2024Solvency, return and age of the figures
Solvency
47.2%
Return on assets
-3.2%
Age of the figures
21 mo
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 →
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year €-2k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-08-2025, 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
not confirmed
2024
31 d late
2023
59 d late
2022
31 d late
2021
92 d late
2020
199 d late
2019
103 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€201k▼ 18.4%
2023 · €247k
2018: €48k
2019: €192k
2020: €242k
2021: €381k
2022: €361k
2023: €247k
2018 → 2024
EBIT margin
2.9%▲ 4.3pp
2023 · -1.4%
2018: -29.6%
2019: 13.0%
2020: 19.0%
2021: 43.3%
2022: 4.9%
2023: -1.4%
2018 → 2024
Net result
€-2k▲ 88.4%
2023 · €-20k
2018: €-20k
2019: €20k
2020: €42k
2021: €155k
2022: €11k
2023: €-20k
2018 → 2024
Working capital
€2k
2023 · €-1k
2018: €-322k
2019: €-273k
2020: €-188k
2021: €-37k
2022: €9k
2023: €-1k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€242k-€381k▲ 56.9%€361k▼ 5.0%€247k▼ 31.8%€201k▼ 18.4%
Equity€-110k-€45k€56k▲ 25.1%€36k▼ 35.5%€34k▼ 6.4%
Operating result€46k-€165k▲ 259%€18k▼ 89.2%€-3k€6k
Net result€42k-€155k▲ 264%€11k▼ 92.8%€-20k€-2k▲ 88.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €6k after a loss of €3k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71k
Fixed assets
€32k▼ 15.3%
Current assets
€40k▼ 44.9%
Equity and liabilities €71k
Equity
€34k▼ 6.4%
Debt
€38k▼ 48.7%
The debt ratio falls from 67.1% to 52.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▲
2023 · €9k
Cash flow
€9k▲
2023 · €-7k
Solvency
47.2%▲
2023 · 32.9%
Current ratio
1.05▲
2023 · 0.98
Quick ratio
1.05▲
2023 · 0.98
Debt / equity
1.12▼
2023 · 2.04
ROE
-6.8%▲
2023 · -55.0%
ROA
-3.2%▲
2023 · -18.1%
Interest coverage
59.48▲
2023 · 24.19
Debt
€38k▼
2023 · €73k
Debt ≤ 1 year
€38k▼
2023 · €73k
Income taxes
€8k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€109k€71k▼
Fixed assets21/28€37k€32k▼
Tangible fixed assets22/27€37k€32k▼
Land and buildings22€13k€8k▼
Plant, machinery and equipment23€23k€23k▲
Furniture and vehicles24€2k€750▼
Financial fixed assets28€89€89=
Current assets29/58€72k€40k▼
Amounts receivable within one year40/41€66k€28k▼
Trade receivables40€65k€26k▼
Other amounts receivable41€1k€3k▲
Cash at bank and in hand54/58€1k€11k▲
Deferred charges and accrued income490/1€4k€520▼
Equity and liabilities
Total equity and liabilities10/49€109k€71k▼
Equity10/15€36k€34k▼
Contributions10/11€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Profit (loss) carried forward14€-32k€-35k▼
Amounts payable17/49€73k€38k▼
Amounts payable within one year42/48€73k€38k▼
Financial debts43€13€13=
Credit institutions430/8€13€13=
Trade debts44€16k€6k▼
Suppliers440/4€16k€6k▼
Taxes, remuneration and social security45€941€3k▲
Taxes450/3€941€3k▲
Other amounts payable47/48€56k€29k▼
Income statement
Code20232024
Turnover70€247k€201k▼
Goods, raw materials, services and sundry goods60/61€241k€185k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Other operating charges640/8€16k€18k▲
Gross operating margin9900€25k€35k▲
Operating profit (loss)9901€-3k€6k▲
Financial income75/76B€46€5▼
Recurring financial income75€46€5▼
Financial charges65/66B€383€281▼
Recurring financial charges65€383€281▼
Profit (loss) for the period before taxes9903€-4k€6k▲
Income taxes67/77€16k€8k▼
Profit (loss) for the period9904€-20k€-2k▲
Profit (loss) for the period to be appropriated9905€-20k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-35k▼
Profit (loss) brought forward from the previous period14P€-13k€-32k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
31-12
Financial
Weakest financial yearnet €-20k ▼277%
Net result drops to €-20k, 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
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
15-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 199 days late
2021
31-12
Financial
Highest result since 2018net €155k ▲264%
Operating result €165k, net result €155k, both a record.
2020
11-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 103 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
10-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 41 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
27-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 27 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, Mont-Saint-Guibert · 1 establishment unit since 1999
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 des Chênes 111435 Mont-Saint-GuibertGround area
1,721 m²
Building footprint
186 m²
Volume, LiDAR
998 m³
Parcel 25068A0061/00S000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H. DE L.
since 19992.079.730.478
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25068A0061/00S000 | Wallonia | 1,721 m² | 1 · 186 m² | 7.9 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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GRAFICIS
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BE 0465.647.411
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DAM-ART-CO
BE 0425.836.136
Evergem · Eq €33k
G.M.A. GROUP
BE 0803.310.250
Gerpinnes · Eq €34k
FRANCOIS
BE 0452.903.490
Evere · Eq €33k
Of 6,157 companies in sector 46190 we hold annual accounts for 2,567. 1,829 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-12-1996
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70210Activities of head offices; management consultancy activities
73200Market research and public opinion polling
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
85592Vocational training
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.