Financials
- Fiscal year
- 2025
- Total assets
- €59,131
- Loss
- -€2,014
- Solvency
- 13.5%
H&L
ActiveSummary
The computed 12-month bankruptcy probability of H&L is 2.1% (moderate). The 2025 annual accounts show equity of €7,986 and a net result of -€2,014. Its solvency ranks better than 16% of 30651 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Site preparation
NACE 43120
1 site
Size
€59,131total assets 2025
- Equity
- €7,986
- Loss
- -€2,014
Turnover not published (abridged schema)
Structure
Accounts 25 d early0 of 1 deed read
Why 51- Founded in 2025- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 0.10, cash €1,188- Equity €7,986 (13.5% of total assets)Show the evidence
Checked score
Score 2025
51
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 11% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
39
equity 13.5% of total assets
Liquidity
5
short-term debt 86.5% · cash 2.0%
Profitability
14
return on assets -3.4%
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 18 months
08-2026: 2.1%lowest value
09-2026: 2.1%● 0.0% vs 08-2026lowest value
10-2026: 2.1%▲ +1.0% vs 09-2026highest value
- Founded in 2025 raises the probability for this profile
- Sector Specialised construction activities (NACE 43) raises the probability
- Liquidity: current ratio 0.10, cash €1,188 raises the probability
- Equity €7,986 (13.5% of total assets) raises the probability
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 16%, liquidity 4%, profitability 13%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 30651 sector peers (2025).
NBB · sector comparisonPosition among 30651 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
25 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 06-07-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Site preparationNACE 43120
- Founded
- 09-07-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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