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H3OT

Active
Private limited companyfounded 20205 yrs activeDesguinlei 6, 2018 Antwerpen, BelgiumKBO/BCE: BE 0757.532.188
Summary

H3OT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€50,862) and a net result of -€8,487. Equity is shrinking by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 2729 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Checked score

Score 2025
Axes · tick = 2024
Profitability0▼-34
Solvency0=
Growth58=
Track record94
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.33 against 0.91 in 2024; short-term debt: 299.5% and cash: 3.6% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
-757.8%
Return on assets
-126.5%
Age of the figures
9 mo
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 date
Age against the risk zone
highest failure risk from 2 to 8 years 5 years 0 10 y
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2122232425
2021 to 2025 · latest year -€50,862
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filings
Deviation from the deadline
2025
31 d late
2024
28 d late
2023
28 d late
2022
65 d late
2021
299 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 5 accounts on average 90 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 31 August (4 of the last 5 filed years within 34 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 27 October 2020, H3OT was incorporated as a Private limited company.1 In 2026 the registered office moved to Antwerpen.2 Stretch Innovation has served as bevoegde bestuurder of the company since 2023.2 Total assets went from EUR 12,175 in 2021 to EUR 6,712 in 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 26-08-2026
  3. 3National Bank, annual accounts 2021 and 2025

Go further with this company

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Source amounts without an identifiable currency are assumed to be EUR.

Equity
-€50,862▼ 20.0%
2024 · -€42,375
Total assets
€6,712▼ 86.3%
2024 · €48,945
Net result
-€8,487▼ 1,079%
2024 · -€720
Working capital
-€13,393▼ 173%
2024 · -€4,905
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result-€21,349--€10,039▲ 53.0%-€19,772▼ 97.0%-€447▲ 97.7%-€8,294▼ 1,755%
Net result-€21,371below the sector's middle half--€10,179below the sector's middle half▲ 52.4%-€20,105below the sector's middle half▼ 97.5%-€720within the sector's middle half▲ 96.4%-€8,487below the sector's middle half▼ 1,079%
Equity-€11,371below the sector's middle half--€21,550below the sector's middle half▼ 89.5%-€41,655below the sector's middle half▼ 93.3%-€42,375below the sector's middle half▼ 1.7%-€50,862below the sector's middle half▼ 20.0%
Total assets€12,175below the sector's middle half-€2,422below the sector's middle half▼ 80.1%€42,057below the sector's middle half▲ 1,637%€48,945below the sector's middle half▲ 16.4%€6,712below the sector's middle half▼ 86.3%
Debt€23,545-€23,971▲ 1.8%€83,712▲ 249%€91,320▲ 9.1%€57,574▼ 37.0%
Working capital€9,884within the sector's middle half--€295below the sector's middle half-€4,185below the sector's middle half▼ 1,317%-€4,905below the sector's middle half▼ 17.2%-€13,393below the sector's middle half▼ 173%
Solvency-93.4%below the sector's middle half--99.0%below the sector's middle half-86.6%below the sector's middle half▲ 12.5pp-757.8%below the sector's middle half▼ 671.2pp
Current ratio5.31above the sector's middle half-0.91below the sector's middle half0.91below the sector's middle half=0.33below the sector's middle half▼ 0.58
Return on assets (ROA)-175.5%below the sector's middle half--47.8%below the sector's middle half-1.5%below the sector's middle half▲ 46.3pp-126.5%below the sector's middle half▼ 125.0pp
Staff (FTE)0.3below the sector's middle half-
above within below the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
-€30,000-€20,000-€10,000€0Operating result 2021: -€21,349-€21,349Net result 2021: -€21,371-€21,371Operating result 2022: -€10,039-€10,039Net result 2022: -€10,179-€10,179Operating result 2023: -€19,772-€19,772Net result 2023: -€20,105-€20,105Operating result 2024: -€447-€447Net result 2024: -€720-€720Operating result 2025: -€8,294-€8,294Net result 2025: -€8,487-€8,48720212022202320242025-€30,000-€20,000-€10,000€0Operating result 2023: -€19,772-€19,800Net result 2023: -€20,105-€20,100Operating result 2024: -€447-€447Net result 2024: -€720-€720Operating result 2025: -€8,294-€8,290Net result 2025: -€8,487-€8,490202320242025
The operating result stays negative: a loss of €8,294 in 2025 against €447 in 2024; the loss grows.
Key figures and ratios
2025 value · change against 2024
Debt to equity
-1.13▲
2024 · -2.16
Debt ≤ 1 year
€20,105▼
2024 · €53,850
Debt > 1 year
€37,469=
2024 · €37,469
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 6,010 companies that looked in July 2024 the way this one looks now, 7.9% went bankrupt within 24 months and 83% are still going.

  • Micro
  • 5 to 10 years old
  • negative equity
  • a loss of 10% of the balance sheet or more
7.9% went bankrupt
8.4% stopped otherwise
83% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a lower bankruptcy probability: 1.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 6,010 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 29 lines
Balance sheet Code20242025
Assets
Total assets20/58€48,945€6,712▼
Current assets29/58€48,945€6,712▼
Amounts receivable within one year40/41€48,755€6,473▼
Trade receivables40€47,578€6,156▼
Other amounts receivable41€1,177€317▼
Cash at bank and in hand54/58€190€239▲
Equity and liabilities
Total equity and liabilities10/49€48,945€6,712▼
Equity10/15-€42,375-€50,862▼
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€52,375-€60,862▼
Amounts payable17/49€91,320€57,574▼
Amounts payable after more than one year17€37,469€37,469=
Financial debts170/4€37,469€37,469=
Amounts payable within one year42/48€53,850€20,105▼
Trade debts44€36,577€19,195▼
Suppliers440/4€36,577€19,195▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€17,273€909▼
Income statement Code20242025
Other operating charges640/8-€3,115
Gross operating margin9900-€447-€5,179▼
Operating profit (loss)9901-€447-€8,294▼
Financial charges65/66B€273€194▼
Recurring financial charges65€273€194▼
Profit (loss) for the period before taxes9903-€720-€8,487▼
Profit (loss) for the period9904-€720-€8,487▼
Profit (loss) for the period to be appropriated9905-€720-€8,487▼
Appropriation of the result
Profit (loss) to be appropriated9906-€52,375-€60,862▼
Profit (loss) brought forward from the previous period14P-€51,655-€52,375▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Remuneration, social security and pensions62€13,518-----
Other operating charges640/8€101€545€0-€3,115-
Gross operating margin9900-€7,729-€9,494-€19,772-€447-€5,179▼ 1,058%
Operating profit (loss)9901-€21,349-€10,039-€19,772-€447-€8,294▼ 1,755%
Financial charges65/66B€22€140€333€273€194▼ 29.0%
Recurring financial charges65€22€140€333€273€194▼ 29.0%
Profit (loss) for the period before taxes9903-€21,371-€10,179-€20,105-€720-€8,487▼ 1,079%
Profit (loss) for the period9904-€21,371-€10,179-€20,105-€720-€8,487▼ 1,079%
Profit (loss) for the period to be appropriated9905-€21,371-€10,179-€20,105-€720-€8,487▼ 1,079%
Line20212022202320242025Change
Assets
Total assets20/58€12,175€2,422€42,057€48,945€6,712▼ 86.3%
Current assets29/58€12,175€2,422€42,057€48,945€6,712▼ 86.3%
Amounts receivable within one year40/41€1,250€1,300€41,913€48,755€6,473▼ 86.7%
Trade receivables40--€40,923€47,578€6,156▼ 87.1%
Other amounts receivable41€1,250€1,300€990€1,177€317▼ 73.1%
Cash at bank and in hand54/58€10,925€1,122€145€190€239▲ 25.9%
Equity and liabilities
Total equity and liabilities10/49€12,175€2,422€42,057€48,945€6,712▼ 86.3%
Equity10/15-€11,371-€21,550-€41,655-€42,375-€50,862▼ 20.0%
Contributions10/11€10,000€10,000€10,000€10,000€10,000=
Profit (loss) carried forward14-€21,371-€31,550-€51,655-€52,375-€60,862▼ 16.2%
Amounts payable17/49€23,545€23,971€83,712€91,320€57,574▼ 37.0%
Amounts payable after more than one year17€21,254€21,254€37,469€37,469€37,469=
Financial debts170/4€21,254€21,254€37,469€37,469€37,469=
Amounts payable within one year42/48€2,291€2,717€46,242€53,850€20,105▼ 62.7%
Trade debts44€1,680€2,717€36,577€36,577€19,195▼ 47.5%
Suppliers440/4€1,680€2,717€36,577€36,577€19,195▼ 47.5%
Taxes, remuneration and social security45€611-€453€0--
Taxes450/3€611-€453€0--
Other amounts payable47/48--€9,212€17,273€909▼ 94.7%
Line20212022202320242025Change
Profit (loss) for the period9904-€21,371-€10,179-€20,105-€720-€8,487▼ 1,079%
Operating cash flow (approximation)-€21,371-€10,179-€20,105-€720-€8,487▼ 1,079%
Change in cash--€9,802-€978€46€49▲ 8.1%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
26-08
State Gazette act Permanent representative: Stijn Van Daele
Appointment: Stretch Innovation (bevoegde bestuurder) · Registered-office move · Power of attorney11 facts ▸
  • Board meeting, 10-02-2026
  • Registered-office move, Desguinlei 6, 2018 Antwerpen
  • Permanent representative, Stijn Van Daele (permanent representative)
  • Director appointment, Stretch Innovation (bevoegde bestuurder)
  • Power of attorney, Kelly Verpoorten
  • Power of attorney, Sara Heemskerk
  • Power of attorney, Sandy Van de Leur
  • Power of attorney, Kristel Van Gysel
  • Power of attorney, Héloïse Debrandt
  • Power of attorney, Viktorija Coric
  • Power of attorney, Sara Szurgot
2025
28-08
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
28-08
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
04-10
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema · 65 days late
26-05
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 299 days late
State Gazette actNBB filing
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
1 director, last change in 2023

Board 1

Stretch Innovation
Bevoegde bestuurder · since 08-12-2023 · Private limited company · perm. rep.: Stijn Van Daele
Current

Permanent representatives 1

Stijn Van Daele
Permanent representative · since 08-12-2023 · for Stretch Innovation
Current
Derived from published Gazette acts. The CBE keeps the official list of function holders; we do not read it, so the two can differ. See the function holders in the CBE →
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
766 m²
Building footprint
766 m²
Volume, LiDAR
9,515 m³
Parcel 11810K0018/00D006, Flanders · tallest building 19.2 m, ±5 floors. Linked by address, not a title deed.
17 companies at this address See who is registered here
1 establishment unit
H3OT
Desguinlei 6, 2018 AntwerpenIT consultancy
since 20202.310.802.294
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11810K0018/00D006 Flanders 766 m² 1 · 766 m² 19.2 m · 5 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Mandate history

1 person since 2023, 1 in office
Show
  • Board
Mandates per person, with start and end dates
Name Functions and periods
Stretch Innovation
  • Bevoegde bestuurder, from 08-12-2023 to date
See the board, name and seat on a given date →

Structure & network

Owners and holdings

2 owners

Chain of control

  1. STIFI 60%
  2. H3OT

Highest known parent: STIFI. The sources do not say who stands above it.

Owners 2

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, scroll to zoom.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 30,009 companies in sector 62200 we hold annual accounts for 18,399. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded27-10-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
70200Business and other management consultancy
82300Organisation of conventions and trade shows
E-invoicing
Reachable via Peppol
Peppol ID 0208:0757532188
Also 9925:BE0757532188
Registered 18-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.