H&O
ActiveH&O has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €89k. Equity is growing by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 969 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+72
Solvency90▼-4
Growth52▲+17
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.96 in 2024), but 54.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 42
Relative position
BE, all sectors
reference
Sector 42
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
45.1%
Return on assets
33.2%
Age of the figures
11 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 30-09-2025 was due by 30-04-2026 and was filed on 05-05-2026, 5 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
5 d late
2024
on the day
2023
on the day
2022
1 d late
2021
11 d late
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€91k▼ 13.5%
2018 · €106k
2018: €106k
2018 → 2019
EBIT margin
7.6%▼ 8.9pp
2018 · 16.5%
2018: 16.5%
2018 → 2019
Net result
€89k▲ 4,923%
2024 · €2k
2018: €15k
2019: €5k
2020: €-12k
2021: €-14k
2022: €20k
2023: €5k
2024: €2k
2018 → 2025
Working capital
€101k▲ 235%
2024 · €30k
2018: €25k
2019: €29k
2020: €5k
2021: €-6k
2022: €10k
2023: €16k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€25k▲ 376%€30k▲ 20.4%€32k▲ 5.9%€121k▲ 279%
Operating result€-11k-€25k€12k▼ 52.7%€6k▼ 45.0%€136k▲ 2,027%
Net result€-14k-€20k€5k▼ 74.1%€2k▼ 65.3%€89k▲ 4,923%
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 recovers in 2025; 2025 is 2,027% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €268k
Fixed assets
€74k▲ 4,586%
Current assets
€194k▲ 214%
Equity and liabilities €268k
Equity
€121k▲ 279%
Debt
€147k▲ 365%
The debt ratio rises from 49.8% to 54.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€153k▲
2024 · €11k
Cash flow
€106k▲
2024 · €7k
Solvency
45.1%▼
2024 · 50.2%
Current ratio
2.09▲
2024 · 1.96
Quick ratio
2.09▲
2024 · 1.96
Debt / equity
1.22▲
2024 · 0.99
ROE
73.6%▲
2024 · 5.6%
ROA
33.2%▲
2024 · 2.8%
Interest coverage
36.98▲
2024 · 9.79
Debt
€147k▲
2024 · €32k
Debt ≤ 1 year
€93k▲
2024 · €32k
Debt > 1 year
€54k
Income taxes
€43k▲
2024 · €4k
Staff costs
€149k▲
2024 · €26k
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€63k€268k▲
Fixed assets21/28€2k€74k▲
Tangible fixed assets22/27€1k€74k▲
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24-€68k
Financial fixed assets28€135€135=
Current assets29/58€62k€194k▲
Amounts receivable within one year40/41€49k€118k▲
Trade receivables40€45k€104k▲
Other amounts receivable41€4k€14k▲
Cash at bank and in hand54/58€9k€74k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€63k€268k▲
Equity10/15€32k€121k▲
Contributions10/11€6k€6k=
Reserves13€8k€96k▲
Distributable reserves133€8k€96k▲
Profit (loss) carried forward14€17k€18k▲
Amounts payable17/49€32k€147k▲
Amounts payable after more than one year17-€54k
Financial debts170/4-€54k
Amounts payable within one year42/48€32k€93k▲
Current portion of amounts payable after more than one year42-€16k
Trade debts44€24k€22k▼
Suppliers440/4€24k€22k▼
Taxes, remuneration and social security45€7k€55k▲
Taxes450/3€4k€43k▲
Remuneration and social security454/9€3k€12k▲
Other amounts payable47/48€992-
Income statement
Code20242025
Remuneration, social security and pensions62€26k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€17k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€40k€308k▲
Operating profit (loss)9901€6k€136k▲
Financial income75/76B€131€237▲
Recurring financial income75€131€237▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€5k€132k▲
Income taxes67/77€4k€43k▲
Profit (loss) for the period9904€2k€89k▲
Profit (loss) for the period to be appropriated9905€2k€89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€106k▲
Profit (loss) brought forward from the previous period14P€17k€17k▲
Transfer to equity691/2€2k€88k▲
To other reserves6921€2k€88k▲
The notes to these accounts (11 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
05-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
30-09
Financial
Highest result since 2018net €89k ▲4923%
Operating result €136k, net result €89k, both a record.
30-09
Financial
Equity above €100kEq €121k ▲279%
4 profitable years in a row build equity to €121k.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-09
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
11-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
30-09
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 134 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Destelbergen · 1 establishment unit since 2014
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.
Ledebeekstraat 359070 DestelbergenGround area
200 m²
Building footprint
67 m²
Volume, LiDAR
473 m³
Parcel 44013A0178/00Z004, Flanders · tallest building 8.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HAKAB
since 20142.228.710.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0178/00Z004 | Flanders | 200 m² | 1 · 67 m² | 8.7 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
Recognised contractor
5 categoriesH&O BV41083
Similar companies · same sector, comparable size
Tuinprojecten Rinus van der Vaart
BE 0777.998.594
Dessel · Eq €121k
MICA
BE 0479.959.265
Beveren-Kruibeke-Zwijndrecht · Eq €121k
BESTRATINGEN M & S VAN DORST
BE 0880.286.678
Essen · Eq €121k
GEBROEDERS DIERCKX
BE 0475.859.135
Lommel · Eq €121k
BACKAERT-DE COCK
BE 0438.645.678
Aalst · Eq €121k
Of 2,316 companies in sector 42110 we hold annual accounts for 1,088. 749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-03-2014
Fiscal year end30-09
Activities, NACEBEL
42110Construction of roads and motorways
43120Site preparation
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.