H-VB
ActiveThe computed 12-month bankruptcy probability of H-VB is 8.5% (elevated). For H-VB, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (€-40k) and a net result of €-19k. Equity is shrinking by ~113.5% per year across the filed fiscal years. Its solvency ranks better than 5% of 6120 sector peers (fiscal year 2023). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Bankruptcy probability: Elevated
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-19
Solvency0▼-13
Growth32=
Track record94
Bankruptcy probability, 12 months
8.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
-102.4%
Return on assets
-48%
Age of the figures
33 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 3 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline16-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 25-09-2024, 56 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
56 d late
2022
210 d late
2021
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€-40k▼ 88.2%
2022 · €-21k
2021: €8k
2022: €-21k
2021 → 2023
Total assets
€39k▼ 78.8%
2022 · €182k
2021: €156k
2022: €182k
2021 → 2023
Net result
€-19k▲ 36.5%
2022 · €-29k
2021: €3k
2022: €-29k
2021 → 2023
Working capital
€27k▲ 102%
2022 · €14k
2021: €-21k
2022: €14k
2021 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202120222023Trend
Equity€8k-€-21k€-40k▼ 88.2%
Operating result€5k-€-23k€-16k▲ 30.5%
Net result€3k-€-29k€-19k▲ 36.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2023 against €23k in 2022; the loss shrinks.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €39k
Fixed assets
€5k▼ 95.2%
Current assets
€34k▼ 58.6%
Key figures and ratios
Solvency
-102.4%▼
2022 · -11.5%
Current ratio
5.13▲
2022 · 1.20
Quick ratio
5.13▲
2022 · 1.20
Debt / equity
-1.98▲
2022 · -9.66
ROA
-48.0%▼
2022 · -16.0%
Debt
€78k▼
2022 · €203k
Debt ≤ 1 year
€7k▼
2022 · €68k
Debt > 1 year
€72k▼
2022 · €135k
Income taxes
€7
Staff costs
€193
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€182k€39k▼
Fixed assets21/28€100k€5k▼
Tangible fixed assets22/27€96k-
Plant, machinery and equipment23€936-
Furniture and vehicles24€4k-
Leasing and similar rights25€90k-
Financial fixed assets28€5k€5k=
Current assets29/58€82k€34k▼
Amounts receivable within one year40/41€26k€4k▼
Trade receivables40€22k€3k▼
Other amounts receivable41€3k€300▼
Cash at bank and in hand54/58€48k€30k▼
Deferred charges and accrued income490/1€8k€6▼
Equity and liabilities
Total equity and liabilities10/49€182k€39k▼
Equity10/15€-21k€-40k▼
Contributions10/11€5k€5k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€-29k€-48k▼
Amounts payable17/49€203k€78k▼
Amounts payable after more than one year17€135k€72k▼
Financial debts170/4€68k€12k▼
Other amounts payable178/9€67k€60k▼
Amounts payable within one year42/48€68k€7k▼
Current portion of amounts payable after more than one year42€32k-
Trade debts44€25k-
Suppliers440/4€25k-
Taxes, remuneration and social security45€3k-
Taxes450/3€862-
Remuneration and social security454/9€3k-
Other amounts payable47/48€7k€7k▼
Accrued charges and deferred income492/3€30€4▼
Income statement
Code20222023
Non-recurring operating income76A-€992
Remuneration, social security and pensions62-€193
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k-
Provisions for liabilities and charges: additions (uses and reversals)635/8€-2k-
Other operating charges640/8€25k€4k▼
Non-recurring operating charges66A€321€17k▲
Gross operating margin9900€37k€5k▼
Operating profit (loss)9901€-23k€-16k▲
Financial income75/76B€155€24▼
Recurring financial income75€155€24▼
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€-29k€-19k▲
Income taxes67/77-€7
Profit (loss) for the period9904€-29k€-19k▲
Profit (loss) for the period to be appropriated9905€-29k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-29k€-48k▼
Profit (loss) brought forward from the previous period14P€162€-29k▼
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
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 210 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 5.13
Current ratio from 1.20 to 5.13; short-term debt falls from €68k to €7k.
2022
31-12
Financial
Weakest financial yearnet €-29k ▼1024%
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 1.20
Current ratio from 0.58 to 1.20.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-12-2025
Resigned as Manager
Location & real-estate footprint
Registered office, Staden · 1 establishment unit since 2021
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.
Sleihagestraat(ONK) 1218840 StadenGround area
389 m²
Building footprint
134 m²
Volume, LiDAR
779 m³
Parcel 36014A0207/00H000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H-VB
since 20212.317.191.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014A0207/00H000 | Flanders | 389 m² | 1 · 134 m² | 7.7 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 246 EUR awarded · 246 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 246 EUR | 246 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
BONGE ET FILS
BE 0798.200.825
Lens (Hainaut) · Eq €8k
Vermeersch
BE 0699.918.148
Oostrozebeke · Eq €8k
A.M.K TRANS
BE 0788.914.856
Aalst · Eq €8k
DRIVEXPRESS
BE 0799.303.160
Anderlecht · Eq €8k
I.R.B.B
BE 0792.898.982
Machelen (Brab.) · Eq €8k
Of 12,603 companies in sector 49410 we hold annual accounts for 8,196. 3,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
49420Removal services
52210Service activities incidental to land transportation
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.