H3OZ
ActiveSummary
H3OZ has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €30,821 and a net result of €13,872. Equity is growing by ~49% per year across the filed fiscal years. Its solvency ranks better than 74% of 37948 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+8
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,500 at 30 days acceptable
Liquidity ample (current ratio 4.21 against 1.99 in 2023; short-term debt: 21% and cash: 37.4% of total assets), and 21.4% of the assets are financed with debt.
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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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 · 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
78.6%
Return on assets
35.4%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
1 d early
2022
31 d late
2021
6 d early
2020
2 d early
← 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 5 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
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Financials · fiscal year 2024, micro schema
Equity
€30,821▲ 81.8%
2023 · €16,949
Total assets
€39,230▲ 29.1%
2023 · €30,381
Net result
€13,872▲ 143%
2023 · €5,710
Working capital
€26,459▲ 99.0%
2023 · €13,299
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy 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
Line20202021202220232024
Operating result€1,762-€2,250▲ 27.7%€8,211▲ 265%€9,035▲ 10.0%€19,269▲ 113%
Net result€1,136within the sector's middle half-€1,204below the sector's middle half▲ 5.9%€4,898within the sector's middle half▲ 307%€5,710within the sector's middle half▲ 16.6%€13,872within the sector's middle half▲ 143%
Equity€5,136below the sector's middle half-€6,340below the sector's middle half▲ 23.4%€11,239below the sector's middle half▲ 77.3%€16,949below the sector's middle half▲ 50.8%€30,821within the sector's middle half▲ 81.8%
Total assets€28,901below the sector's middle half-€28,838below the sector's middle half▼ 0.2%€32,687below the sector's middle half▲ 13.3%€30,381below the sector's middle half▼ 7.1%€39,230below the sector's middle half▲ 29.1%
Debt€23,765-€22,498▼ 5.3%€21,449▼ 4.7%€13,432▼ 37.4%€8,409▼ 37.4%
Working capital€6,039-€5,284▼ 12.5%€10,595▲ 101%€13,299▲ 25.5%€26,459▲ 99.0%
Solvency17.8%below the sector's middle half-22.0%below the sector's middle half▲ 4.2pp34.4%within the sector's middle half▲ 12.4pp55.8%within the sector's middle half▲ 21.4pp78.6%within the sector's middle half▲ 22.8pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 113% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €39,230
Fixed assets
€4,522 ▲ 23.9%
Current assets
€34,708 ▲ 29.8%
Equity and liabilities €39,230
Equity
€30,821 ▲ 81.8%
Debt
€8,409 ▼ 37.4%
Debt's share of the balance-sheet total falls from 44.2% to 21.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20,326▲
2023 · €9,507
Cash flow
€14,929▲
2023 · €6,182
Current ratio
4.21▲
2023 · 1.99
Debt to equity
0.27▼
2023 · 0.79
ROE
45.0%▲
2023 · 33.7%
ROA
35.4%▲
2023 · 18.8%
Interest coverage
54.58▲
2023 · 20.81
Debt ≤ 1 year
€8,249▼
2023 · €13,432
Income taxes
€5,110▲
2023 · €2,868
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,964 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.5%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 26,964 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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,957 | €287 | €413 | €472 | €1,057 | ▲ 124% |
| Other operating charges640/8 | - | €441 | €271 | €285 | €295 | ▲ 3.4% |
| Gross operating margin9900 | €7,442 | €2,978 | €8,896 | €9,792 | €20,621 | ▲ 111% |
| Operating profit (loss)9901 | €1,762 | €2,250 | €8,211 | €9,035 | €19,269 | ▲ 113% |
| Financial income75/76B | - | €26 | €0 | €1 | €86 | ▲ 14,178% |
| Recurring financial income75 | €3 | €26 | €0 | €1 | €86 | ▲ 14,178% |
| Financial charges65/66B | - | €152 | €850 | €457 | €372 | ▼ 18.5% |
| Recurring financial charges65 | €54 | €152 | €850 | €457 | €372 | ▼ 18.5% |
| Profit (loss) for the period before taxes9903 | €1,711 | €2,124 | €7,362 | €8,578 | €18,983 | ▲ 121% |
| Income taxes67/77 | €574 | €920 | €2,464 | €2,868 | €5,110 | ▲ 78.2% |
| Profit (loss) for the period9904 | €1,136 | €1,204 | €4,898 | €5,710 | €13,872 | ▲ 143% |
| Profit (loss) for the period to be appropriated9905 | €1,136 | €1,204 | €4,898 | €5,710 | €13,872 | ▲ 143% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €28,901 | €28,838 | €32,687 | €30,381 | €39,230 | ▲ 29.1% |
| Fixed assets21/28 | €105 | €1,057 | €644 | €3,649 | €4,522 | ▲ 23.9% |
| Tangible fixed assets22/27 | - | €952 | €539 | €3,544 | €4,417 | ▲ 24.6% |
| Furniture and vehicles24 | - | €952 | €539 | €126 | €1,694 | ▲ 1,248% |
| Other tangible fixed assets26 | - | - | - | €3,419 | €2,723 | ▼ 20.3% |
| Financial fixed assets28 | €105 | €105 | €105 | €105 | €105 | = |
| Current assets29/58 | €28,796 | €27,781 | €32,044 | €26,731 | €34,708 | ▲ 29.8% |
| Amounts receivable within one year40/41 | €22,282 | €17,820 | €16,101 | €22,035 | €9,360 | ▼ 57.5% |
| Trade receivables40 | - | €17,820 | €16,101 | €21,903 | - | - |
| Other amounts receivable41 | - | - | - | €132 | €9,360 | ▲ 7,007% |
| Cash at bank and in hand54/58 | €6,514 | €9,933 | €15,907 | €4,428 | €14,657 | ▲ 231% |
| Deferred charges and accrued income490/1 | - | €29 | €36 | €268 | €10,691 | ▲ 3,890% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €28,901 | €28,838 | €32,687 | €30,381 | €39,230 | ▲ 29.1% |
| Equity10/15 | €5,136 | €6,340 | €11,239 | €16,949 | €30,821 | ▲ 81.8% |
| Contributions10/11 | - | €4,000 | €4,000 | €4,000 | €4,000 | = |
| Profit (loss) carried forward14 | €1,136 | €2,340 | €7,239 | €12,949 | €26,821 | ▲ 107% |
| Amounts payable17/49 | €23,765 | €22,498 | €21,449 | €13,432 | €8,409 | ▼ 37.4% |
| Amounts payable within one year42/48 | €22,757 | €22,498 | €21,449 | €13,432 | €8,249 | ▼ 38.6% |
| Trade debts44 | €11,224 | €9,228 | €8,831 | €4,240 | €2,337 | ▼ 44.9% |
| Suppliers440/4 | - | €9,228 | €8,831 | €4,240 | €2,337 | ▼ 44.9% |
| Taxes, remuneration and social security45 | - | €4,051 | €12,460 | €4,544 | €5,912 | ▲ 30.1% |
| Taxes450/3 | - | €4,051 | €12,460 | €4,544 | €5,912 | ▲ 30.1% |
| Other amounts payable47/48 | - | €9,218 | €158 | €4,648 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €160 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €1,136 | €1,204 | €4,898 | €5,710 | €13,872 | ▲ 143% |
| + Depreciation and write-downs630 | €2,957 | €287 | €413 | €472 | €1,057 | ▲ 124% |
| Operating cash flow (approximation) | €4,094 | €1,491 | €5,311 | €6,182 | €14,929 | ▲ 141% |
| Investment in fixed assets (approximation) | - | -€1,239 | €0 | -€3,478 | -€1,929 | ▲ 44.5% |
| Change in cash | - | €3,419 | €5,974 | -€11,479 | €10,229 | ▲ 189% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Highest result since 2020net €13,872 ▲143%
Operating result €19,269, net result €13,872, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.21
Current ratio from 1.99 to 4.21; short-term debt falls from €13,432 to €8,249.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Blégny · 1 establishment unit since 2020
Ground area
1,256 m²
Building footprint
214 m²
Volume, LiDAR
2,069 m³
Parcel 62094A0210/00T000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
H3OZ
since 20202.300.600.765
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62094A0210/00T000 | Wallonia | 1,256 m² | 1 · 214 m² | 11.8 m · 3 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.
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Of 82,642 companies in sector 70200 we hold annual accounts for 52,589. 34,588 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
73300Public relations and communication consultancy
74130Interior design
82990Other business support services
85592Vocational training
95240Repair and maintenance of furniture and upholstery
E-invoicing
Reachable via Peppol
Peppol ID
0208:0742876478
Also
9925:BE0742876478
Registered
17-11-2024
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.