H&V-IMMO
ActiveH&V-IMMO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €456k and a net result of €273k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 6148 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three 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 14% of 6148 sector peers (2024).
NBB · sector comparisonPosition among 6148 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
16 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€456k▲ 149%
2023 · €183k
2020: €71k
2021: €124k
2022: €152k
2023: €183k
2020 → 2024
Net result
€273k▲ 801%
2023 · €30k
2020: €-9k
2021: €53k
2022: €28k
2023: €30k
2020 → 2024
Total assets
€3.64M▲ 0.2%
2023 · €3.64M
2020: €3.77M
2021: €3.69M
2022: €3.67M
2023: €3.64M
2020 → 2024
Solvency
12.5%▲ 7.5pp
2023 · 5.0%
2020: 1.9%
2021: 3.4%
2022: 4.2%
2023: 5.0%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€71k-€124k▲ 74.0%€152k▲ 22.9%€183k▲ 19.9%€456k▲ 149%
Operating result€27k-€48k▲ 78.0%€51k▲ 6.0%€51k▲ 0.3%€51k▼ 0.2%
Net result€-9k-€53k€28k▼ 46.2%€30k▲ 6.8%€273k▲ 801%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 0% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.64M
Fixed assets
€3.54M=
Current assets
€108k▲ 6.4%
Equity and liabilities €3.64M
Equity
€456k▲ 149%
Debt
€3.19M▼ 7.7%
The debt ratio falls from 95.0% to 87.5%: equity grows while debt is paid down.
Key figures and ratios
Solvency
12.5%▲
2023 · 5.0%
ROE
59.9%▲
2023 · 16.6%
ROA
7.5%▲
2023 · 0.8%
Debt
€3.19M▼
2023 · €3.46M
Debt ≤ 1 year
€67k▼
2023 · €95k
Debt > 1 year
€3.12M▼
2023 · €3.36M
Income taxes
€11k▲
2023 · €10k
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
Total assets
20/58€3.64M€3.64M▲
Fixed assets
21/28€3.54M€3.54M=
Financial fixed assets
28€3.54M€3.54M=
Current assets
29/58€102k€108k▲
Amounts receivable within one year
40/41€101k€106k▲
Cash & bank
54/58€895€2k▲
Total equity & liabilities
10/49€3.64M€3.64M▲
Equity
10/15€183k€456k▲
Contributions / capital
10/11€80k€80k=
Reserves
13€44k€44k=
Accumulated profits (losses)
14€59k€332k▲
Amounts payable
17/49€3.46M€3.19M▼
Amounts payable after one year
17€3.36M€3.12M▼
Amounts payable within one year
42/48€95k€67k▼
Trade debts payable within one year
44€141€354▲
Income statement
Code20232024
Gross operating margin
9900€52k€52k▼
Operating result
9901€51k€51k▼
Financial income
75-€240k
Financial charges
65€10k€7k▼
Result before taxes
9903€41k€284k▲
Income taxes
67/77€10k€11k▲
Net result for the period
9904€30k€273k▲
Result to be appropriated
9905€30k€273k▲
Timeline · acts, filings and financial milestones
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 30 days late
2024
31-12
Financial
Highest result since 2020net €273k ▲801%
Net result €273k, the highest in the series.
31-12
Financial
Equity above €200kEq €456k ▲149%
4 profitable years in a row build equity to €456k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Equity above €150kEq €152k ▲22.9%
2 profitable years in a row build equity to €152k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €53k
Net result €53k after one loss-making year.
31-12
Financial
Equity above €100kEq €124k ▲74%
Equity rises from €71k to €124k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
RAUTER-GHEMRI
BE 0729.693.782
Sint-Pieters-Woluwe · Eq €456k
HNL
BE 0507.742.936
Roeselare · Eq €456k
ABECA
BE 0829.170.153
Zonhoven · Eq €456k
NH PARTNERS
BE 0743.492.330
Sint-Agatha-Berchem · Eq €456k
Invest 32
BE 0543.666.489
Wielsbeke · Eq €456k
Of 24,645 companies in sector 64210 we hold annual accounts for 19,555. 13,575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-11-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 28-08-2026. Scores and ratios are computed by Checked and are not a credit decision.