H-Point
ActiveH-Point has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €75k and a net result of €6k. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 69% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability74▼-8
Solvency81▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.02 in 2023; short-term debt: 43.9% of total assets), and 43.9% 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.
−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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
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
56.1%
Return on assets
4.1%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
55 d early
2022
46 d early
2021
58 d late
2020
38 d early
2019
53 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€75k▲ 8.0%
2023 · €70k
2019: €3k
2020: €98k
2021: €30k
2022: €56k
2023: €70k
2019 → 2024
Total assets
€134k▲ 4.1%
2023 · €129k
2019: €52k
2020: €221k
2021: €233k
2022: €219k
2023: €129k
2019 → 2024
Net result
€6k▼ 58.3%
2023 · €13k
2019: €-18k
2020: €95k
2021: €-68k
2022: €26k
2023: €13k
2019 → 2024
Working capital
€10k▲ 557%
2023 · €1k
2019: €-13k
2020: €-51k
2021: €-41k
2022: €-38k
2023: €1k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€98k-€30k▼ 69.2%€56k▲ 87.1%€70k▲ 23.6%€75k▲ 8.0%
Operating result€95k-€-49k€40k€14k▼ 64.1%€12k▼ 13.6%
Net result€95k-€-68k€26k€13k▼ 49.2%€6k▼ 58.3%
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 has fallen two years in a row; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €134k
Fixed assets
€65k▼ 3.9%
Current assets
€69k▲ 13.2%
Equity and liabilities €134k
Equity
€75k▲ 8.0%
Debt
€59k▼ 0.4%
The debt ratio falls from 45.9% to 43.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2023 · €47k
Cash flow
€15k▼
2023 · €46k
Solvency
56.1%▲
2023 · 54.1%
Current ratio
1.16▲
2023 · 1.02
Quick ratio
0.65▲
2023 · 0.28
Debt / equity
0.78▼
2023 · 0.85
ROE
7.4%▼
2023 · 19.1%
ROA
4.1%▼
2023 · 10.3%
Interest coverage
99.97▼
2023 · 399.49
Debt
€59k▼
2023 · €59k
Debt ≤ 1 year
€59k▼
2023 · €59k
Income taxes
€7k▲
2023 · €786
Staff costs
€40k▼
2023 · €82k
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€129k€134k▲
Fixed assets21/28€68k€65k▼
Tangible fixed assets22/27€68k€65k▼
Land and buildings22€22k€19k▼
Plant, machinery and equipment23€31k€34k▲
Furniture and vehicles24€15k€13k▼
Current assets29/58€61k€69k▲
Stocks and contracts in progress3€44k€30k▼
Stocks30/36€44k€30k▼
Amounts receivable within one year40/41€16k€38k▲
Trade receivables40€10k€32k▲
Other amounts receivable41€6k€6k=
Equity and liabilities
Total equity and liabilities10/49€129k€134k▲
Equity10/15€70k€75k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€141€141=
Profit (loss) carried forward14€49k€55k▲
Amounts payable17/49€59k€59k▼
Amounts payable within one year42/48€59k€59k▼
Trade debts44€24k€29k▲
Suppliers440/4€24k€29k▲
Taxes, remuneration and social security45€20k€14k▼
Taxes450/3€16k€9k▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€16k€16k=
Income statement
Code20232024
Remuneration, social security and pensions62€82k€40k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€10k▼
Other operating charges640/8€7k€4k▼
Gross operating margin9900€136k€65k▼
Operating profit (loss)9901€14k€12k▼
Financial charges65/66B€118€219▲
Recurring financial charges65€118€219▲
Profit (loss) for the period before taxes9903€14k€12k▼
Income taxes67/77€786€7k▲
Profit (loss) for the period9904€13k€6k▼
Profit (loss) for the period to be appropriated9905€13k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€55k▲
Profit (loss) brought forward from the previous period14P€36k€49k▲
Social balance
Average headcount (FTE)90873.0-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
2021
31-12
Financial
Weakest financial yearnet €-68k ▼171%
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €95k
Net result €95k after one loss-making year.
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
06-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
16-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
16-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Steenokkerzeel · 1 establishment unit since 2004
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.
Haachtsesteenweg 164C1820 SteenokkerzeelGround area
3,524 m²
Building footprint
1,856 m²
Volume, LiDAR
12,959 m³
Parcel 23051B0358/00K000, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bandenland
since 20042.143.625.764
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23051B0358/00K000 | Flanders | 3,524 m² | 1 · 1,856 m² | 8.2 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.
Similar companies · same sector, comparable size
JB METRO CARS
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BE MOBILITY
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BE 1017.967.884
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AUTO PANAMA
BE 0453.889.130
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A&M Tienen
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Tienen · Eq €75k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,223. 3,527 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2004
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95315Tyre services
47812Retail trade
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
47820Retail sale of motor vehicle parts and accessories
49410Freight transport by road
53100Postal and courier activities
53200Other postal and courier activities
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.
Contact details
2 entriesE-mail:info@hpoint.be
Phone:+32 2 251 77 77