H-HOLDING
ActiveThe computed 12-month bankruptcy probability of H-HOLDING is 2.7% (moderate). The 2025 annual accounts show equity of €228k and a net result of €-33k. Equity is shrinking by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 4575 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-47
Solvency100▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.02 against 3.24 in 2024; short-term debt: 18.1% and cash: 13.2% of total assets), and 18.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 · 6 filingsDeviation from the deadline
2025
29 d late
2024
10 d early
2023
4 d early
2022
32 d late
2021
59 d late
2020
84 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€228k▼ 12.6%
2024 · €261k
2020: €180k
2021: €420k
2022: €420k
2023: €257k
2024: €261k
2020 → 2025
Total assets
€278k▼ 22.3%
2024 · €358k
2020: €400k
2021: €792k
2022: €792k
2023: €499k
2024: €358k
2020 → 2025
Net result
€-33k
2024 · €4k
2020: €175k
2021: €240k
2022: €240k
2023: €133k
2024: €4k
2020 → 2025
Working capital
€203k▲ 5.5%
2024 · €192k
2020: €171k
2021: €467k
2022: €467k
2023: €241k
2024: €192k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€420k-€420k=€257k▼ 38.8%€261k▲ 1.4%€228k▼ 12.6%
Operating result€314k-€314k=€169k▼ 46.2%€10k▼ 94.3%€-28k
Net result€240k-€240k=€133k▼ 44.7%€4k▼ 97.2%€-33k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €28k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €278k
Fixed assets
€25k▼ 68.9%
Current assets
€253k▼ 8.9%
Equity and liabilities €278k
Equity
€228k▼ 12.6%
Debt
€50k▼ 48.2%
The debt ratio falls from 27.2% to 18.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-17k▼
2024 · €25k
Cash flow
€-21k▼
2024 · €19k
Solvency
81.9%▲
2024 · 72.8%
Current ratio
5.02▲
2024 · 3.24
Quick ratio
5.02▲
2024 · 3.24
Debt / equity
0.22▼
2024 · 0.37
ROE
-14.4%▼
2024 · 1.4%
ROA
-11.8%▼
2024 · 1.0%
Interest coverage
-2.30▼
2024 · 3.71
Debt
€50k▼
2024 · €97k
Debt ≤ 1 year
€50k▼
2024 · €86k
Income taxes
€546▼
2024 · €3k
Staff costs
€81k▲
2024 · €64k
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€358k€278k▼
Fixed assets21/28€80k€25k▼
Tangible fixed assets22/27€66k€11k▼
Land and buildings22€11k€10k▼
Furniture and vehicles24€55k€1k▼
Financial fixed assets28€14k€14k=
Current assets29/58€278k€253k▼
Amounts receivable within one year40/41€229k€215k▼
Trade receivables40€65k€65k▼
Other amounts receivable41€164k€150k▼
Cash at bank and in hand54/58€48k€37k▼
Deferred charges and accrued income490/1€903€2k▲
Equity and liabilities
Total equity and liabilities10/49€358k€278k▼
Equity10/15€261k€228k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€256k€223k▼
Amounts payable17/49€97k€50k▼
Amounts payable after more than one year17€12k-
Financial debts170/4€12k-
Amounts payable within one year42/48€86k€50k▼
Current portion of amounts payable after more than one year42€20k€12k▼
Trade debts44€47k€16k▼
Suppliers440/4€47k€16k▼
Taxes, remuneration and social security45€19k€23k▲
Taxes450/3€12k€15k▲
Remuneration and social security454/9€7k€8k▲
Income statement
Code20242025
Remuneration, social security and pensions62€64k€81k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€12k▼
Other operating charges640/8€6k€9k▲
Gross operating margin9900€95k€73k▼
Operating profit (loss)9901€10k€-28k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€6k€-32k▼
Income taxes67/77€3k€546▼
Profit (loss) for the period9904€4k€-33k▼
Profit (loss) for the period to be appropriated9905€4k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€256k€223k▼
Profit (loss) brought forward from the previous period14P€252k€256k▲
The notes to these accounts (9 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €-33k ▼991%
Net result drops to €-33k, the lowest in the series.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 59 days late
2021
31-12
Financial
Equity above €200kEq €420k ▲133%
2 profitable years in a row build equity to €420k.
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 84 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2019
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.
Pastorijstraat 352060 AntwerpenGround area
189 m²
Building footprint
128 m²
Volume, LiDAR
1,091 m³
Parcel 11805E0752/00W006, Flanders · tallest building 19.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
H-HOLDING
since 20192.295.161.441
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0752/00W006 | Flanders | 189 m² | 1 · 128 m² | 18.9 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 6,098 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-07-2019
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.