Hand Solution
ActiveFrom the official registers: KBO 1 annual account at the National Bank publications in the Belgian Official Gazette
Summary
Hand Solution has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7,109 and a net result of €4,109. Its solvency ranks better than 20% of 39,218 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Official details
KBO- Status
- Active since 25-02-2025 Normal situation
- Legal form
- Private limited company
- Registered office
- Tuinwijk Zuun 45, 1600 Sint-Pieters-Leeuw
- Activity
- Business and other management consultancy NACE 70200and 5 others
- Establishment unit
- 2.370.894.487 1600 Sint-Pieters-Leeuw, since 25-02-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 25-12-2025
How it is doing
- Bankruptcy probabilitywithin 12 months
- 0.3%
Annual accounts 2025
- Gross margin
- €9,438
- Turnover
- ≈ €43,000
- estimated
- Profit
- €4,109
- Equity
- €7,109
- Total assets
- €47,393
2025 accounts filed 26 days late
Filed on 26-08-2026at the National Bank
Why 82raises riskFounded in 2025Liquidity: current ratio 0.59, cash €3,219lowers riskSector: Activities of head offices; management consultancy activities (NACE 70)Size: total assets €47,393Show the evidence
Checked score
Score 2025
82
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 16% of its sector peers (NACE 70, micro)
Financial strength
Weak
Solvency
40
equity 15.0% of total assets
Liquidity
12
short-term debt 85.0% · cash 6.8%
Profitability
51
return on assets 8.7%
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
03-2026: 0.4%
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026highest value
09-2026: 0.2%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: 0.3%▲ +0.1 percentage points vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.59, below 1; short-term debt: 85% and cash: 6.8% of total assets), and 85% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro): better than 20% on solvency, 5% on liquidity and 24% on profitability.
The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 39218 sector peers (2025).
NBB · sector comparisonPosition among 39218 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
26 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
Financials · financial year 2025, micro format
2025 annual accounts filed late (26 days) Filed on 26 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00444269.
Latest annual accounts filed
Annual accounts 2025
- Financial year ended
- 31-12-2025
- Filed on
- 26-08-2026
- Format
- micro format
- Reference
- 2026-00444269
Turnover
≈ €43,000
Estimated: probably between €20,000 and €88,000
Total assets
€47,393
Net result
€4,109
Working capital
-€16,678
Turnover and EBIT margin not published: the micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
Assets €47,393
Fixed assets
€23,787
Current assets
€23,606
Equity and liabilities €47,393
Equity
€7,109
Debt
€40,284
Debt finances 85.0% of the balance-sheet total.
Key figures and ratios
EBITDA
€9,038
Cash flow
€4,200
Current ratio
0.59
Debt to equity
5.67
ROE
57.8%
ROA
8.7%
Interest coverage
2.53
Debt ≤ 1 year
€40,284
Income taxes
€1,277
Peer companies
Historical observationOf the 2,390 companies that looked in July 2024 the way this one looks now, 1.2% went bankrupt within 24 months and 96.7% are still going.
- Micro
- under 2 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.2%
went bankrupt
2.0%
stopped otherwise
96.7%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.3% 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 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 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 74.5% 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 2,390 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 | 2025 |
|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €92 |
| Other operating charges640/8 | €400 |
| Gross operating margin9900 | €9,438 |
| Operating profit (loss)9901 | €8,946 |
| Financial income75/76B | €10 |
| Recurring financial income75 | €10 |
| Financial charges65/66B | €3,571 |
| Recurring financial charges65 | €3,571 |
| Profit (loss) for the period before taxes9903 | €5,385 |
| Income taxes67/77 | €1,277 |
| Profit (loss) for the period9904 | €4,109 |
| Profit (loss) for the period to be appropriated9905 | €4,109 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €47,393 | |
| Fixed assets21/28 | €23,787 | |
| Tangible fixed assets22/27 | €23,787 | |
| Land and buildings22 | €23,787 | |
| Current assets29/58 | €23,606 | |
| Amounts receivable within one year40/41 | €15,458 | |
| Trade receivables40 | €13,865 | |
| Other amounts receivable41 | €1,593 | |
| Cash at bank and in hand54/58 | €3,219 | |
| Deferred charges and accrued income490/1 | €4,930 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €47,393 | |
| Equity10/15 | €7,109 | |
| Contributions10/11 | €3,000 | |
| Profit (loss) carried forward14 | €4,109 | |
| Amounts payable17/49 | €40,284 | |
| Amounts payable within one year42/48 | €40,284 | |
| Trade debts44 | €27,511 | |
| Suppliers440/4 | €27,511 | |
| Taxes, remuneration and social security45 | €10,582 | |
| Taxes450/3 | €7,571 | |
| Remuneration and social security454/9 | €3,010 | |
| Other amounts payable47/48 | €2,192 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €4,109 |
| + Depreciation and write-downs630 | €92 |
| Operating cash flow (approximation) | €4,200 |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 26-08-2026 | 2026-00444269 | NBB |
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Of the 82,509 active companies whose main activity is business and other management consultancy (NACE 70200), figures are known for 54,660. 20,770 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
1 person, 1 in office
- Board
| Name | Functions and periods |
|---|---|
| FAROUNI Mohamed |
|
How the board is organised
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- “Artikel 11. Bestuursorgaan De vennootschap wordt bestuurd door één of meer bestuurders, natuurlijke personen of rechtspersonen, al dan niet…”
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking, een of meer”“Algemene kosten exclusief representatie- reis- verplaatsingskosten, algemene vergadering”“1, enige aandeelhouder”
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one.
- No statutory auditor
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Beslissing algemene vergadering beslissende in vormen vereist voor statutenwijziging, op elk moment”
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Recht algemene vergadering een of meerdere vereffenaars aan te duiden, bevoegdheden te omlijnen en vergoeding te bepalen, bestuurder(s) in…”
Articles of association, deed of 27-02-2025
Owners and capital
Capital and shareholders
Shareholders according to the deeds
At incorporation
act of 27-02-2025 ↗
- FAROUNI Mohamed 100 shares (100%) · in cash
Capital over the years
- 27-02-2025 Incorporation · €3,000 · 100 shares
Shares according to the articles of association
Capital, shares and profit
- Kind of sharesWhich classes of shares exist and what rights each class carries.
- “Gelijk recht in winstverdeling en vereffeningsaldo, 100”“Op naam, register van aandelen op naam”
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- “Helft overdrager helft koper(s), nietigheid”
- Share issue ruleHow and by whom new shares can be issued.
- “Ten minste vijftien dagen te rekenen van dag openstelling intekening, inbreng in geld met uitgifte nieuwe aandelen-recht van voorkeur”
Other provisionsRules from the articles on subjects other than the board, the shares, the purpose and the meetings.
Articles of association, deed of 27-02-2025 (in Dutch)
Group and network
Connections & network
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History
Acts, filings and financial milestones
2026
26-08
financial year 2025 · micro format · 26 days late
2025
27-02
Gazette deed
IncorporationAppointment: FAROUNI Mohamed (director) · Founder · Founding capital9 facts ▸
Gazette deed
Incorporation
Appointment: FAROUNI Mohamed (director) · Founder · Founding capital9 facts ▸
- Incorporation, “Hand Solution” (deed in Dutch)
- Founder, FAROUNI Mohamed
- Founding capital, €3,000
- Other provision, “financieel plan, overhandigd aan notaris” (deed in Dutch)
- Other provision, “aansprakelijkheid oprichters, faillissement binnen drie jaar na oprichting” (deed in Dutch)
- Bank account, “********, BE *********” (deed in Dutch)
- Registered office clause, “1600 Sint-Pieters-Leeuw,Tuinwijk Zuun 45” (deed in Dutch)
- Director appointment, FAROUNI Mohamed (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen die eruit voortvloeien en alle activiteiten ondernomen vanaf heden door comparanten in naam en voor rekening van…” (deed in Dutch)
Gazette deedNBB filing
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
Register details
Who it is
KBO recordName
Hand Solution in Dutch
Enterprise number
1020.404.960
Legal form
Private limited company
Status
Active, normale toestand
Founded
25-02-2025
Type
Legal entity
Where it is based
Registered office
Tuinwijk Zuun 45, 1600 Sint-Pieters-Leeuw, Belgium
Establishments
1 establishment unit since 2025
What it does
NACEBEL 202570200
Business and other management consultancy main activity
66300
Activities auxiliary to financial services and insurance activities
68110
Buying and selling of own real estate
68201
Renting and operating of own or leased residential real estate, excluding social housing
68203
Renting and operating of own or leased non-residential real estate, excluding land
68204
Real estate activities
Invoicing and payment
VAT number
BE 1020.404.960
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Scores and ratios are computed by Checked and are not a credit decision.
Purpose, financial year and meetings according to the articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Advies in bedrijfsbeheer,strategie,organisatie,management,juridisch…”
34 activities
- Advies in bedrijfsbeheer,strategie,organisatie,management,juridisch beleid,personeelsbeleid,financiën,administratie,marketing,verkoop,productie,ontwikkeling,milieu,veiligheid en bedrijfsbeheer.
- Begeleiding op het gebied van public relations,communicatie,operationeel beheer,audit,planning,organisatie,supervisie en bedrijfsontwikkeling.
- Adviesdiensten op het gebied van bedrijfsontwikkeling,onderzoek,human resource management en engineering.
- IT-consultancy en technologieën
- Advies en diensten op het gebied van informatie- en communicatietechnologieën,waaronder cyberveiligheid,gegevensbeheer,creatie en hosting van websites,applicaties en databases.
- Ontwikkeling en commercialisering van digitale diensten,internet en technologische oplossingen in al hun vormen.
- IT-advies,beheer en onderhoud van software en hardware,evenals de verkoop,reparatie,onderhoud en verhuur van apparatuur en uitrusting.
- Marketing,opleiding en evenementen
- Marketing,commerciële strategie,advies bij aankoop en verkoop,opleiding en promotie van bedrijven,verenigingen en particulieren in diverse sectoren.
- Organisatie van evenementen en acties ter bevordering van culturele,commerciële en andere belangen.
- Onderzoek en ontwikkeling
- Uitvoering van marktonderzoek,programmatiesstudies,marketing en implementatie van organisatorische,technische,administratieve en economische systemen.
- Onderzoek,ontwikkeling,productie en commercialisering van nieuwe producten,technologieën en hun toepassingen.
- Verwerving en beheer van activa
- Ontwikkeling,aankoop,verkoop,licentiëring en concessie van patenten,knowhow en andere immateriële activa,evenals gerelateerd onroerend goed.
- Het nemen van deelnemingen in bestaande of toekomstige vennootschappen in welke vorm dan ook,evenals het beheer,de exploitatie en de waardevermeerdering van deze deelnemingen.
- Administratieve en financiële diensten
- Verstrekking van administratieve,IT-,financiële,technische en commerciële diensten aan bedrijven en particulieren.
- Beheerdiensten,met inbegrip van het beheer van holdingmaatschappijen en de betrokkenheid bij het dagelijks beheer van ondernemingen.
- Verstrekking van financieel en commercieel advies (exclusief advies over financiële investeringen en geldbeleggingen).
- Handel en bemiddeling
- Import,export,groothandel,commissie en vertegenwoordiging van diverse goederen en handelswaren.
- Niet-gespecialiseerde commerciële bemiddeling,evenals opslag en goederenbehandeling.
- Het verlenen van dienstprestaties en adviezen van economische aard,zowel in eigen beheer als in deelname met derden,daartoe behoren technoconsult,assistentie op gebied van management,engeneering,en consulting,technisch,commercieel en meer bepaald op het vlak van communicatie,marketing en aankoopstrategie,administratief en financieel beheer en advies,alsook het ter beschikking stellen en verhuren van personeel.
- Alle roerende en onroerende verrichtingen in de meest brede betekenis van deze term,dit wil zeggen: de aankoop,de verkoop,het huren en verhuren,het onderverhuren en het bouwen of verbouwen,het uitrusten en valoriseren en het uitbaten onder alle vormen van alle bebouwde en onbebouwde onroerende en roerende goederen.
- Het optreden als agent,bemiddelaar,makelaar,commissionaris,concessionaris en promotor inzake alle mogelijke handelsverrichtingen,en meer in het bijzonder: de import en export van alle mogelijke koopwaren met alle hieraan verbonden activiteiten; de handel in brevetten,concessies,licenties en alle mogelijke commerciële en industriële rechten.
- Het maken van alle studies en onderzoeken betreffende alle commerciële en industriële activiteiten,de organisatie van vennootschappen en ondernemingen,het verrichten van marktonderzoeken en promotie,raadgeving met betrekking tot industriële en commerciële projecten en alle werkzaamheden met betrekking tot de informatica.
- Het besturen van vennootschappen welk doel deze vennootschappen ook mochten hebben,het deelnemen in en het directie voeren over ondernemingen en vennootschappen,alsook het uitoefenen van de functie van bestuurder of analoge functies in vennootschappen en andere rechtspersonen.
- Het bevorderen van de oprichting van vennootschappen door inbreng,participatie en investering. Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren,onder het even welke vorm; in dit kader kan zij zich ook borg stellen of haar aval verlenen,in de meest ruime zin,alle handels- of financiële operaties verrichten behalve die welke wettelijk voorbehouden zijn aan deposito-banken,houders van deposito's op korte termijn,spaarkassen,hypotheekmaatschappijen en kapitalisatieondernemingen. Zij mag alle handels-,nijverheids-,financiële,roerende en onroerende zaken verrichten die rechtstreeks of onrechtstreeks in verband staan met haar doel.
- Zij heeft in het algemeen de volle rechtsbekwaamheid om alle handelingen en verrichtingen te voltrekken die een rechtstreeks of onrechtstreeks verband houden met haar voorwerp of welke van die aard zouden zijn dat zij de verwezenlijking van dit voorwerp,rechtstreeks of onrechtstreeks,geheel of ten dele vergemakkelijken.
- Zij kan belangen nemen door associatie,inbreng,fusie,financiële tussenkomst of op gelijk welke andere wijze,in alle vennootschappen,verenigingen of ondernemingen met een identiek,gelijklopend of samenhangend voorwerp met het hare of die van aard kunnen zijn de ontwikkeling van haar onderneming te begunstigen of een bron van afzetten te vormen.
- Zij kan de functies van bestuurder of vereffenaar uitoefenen in andere vennootschappen.
- De vennootschap mag zich borgstellen of zakelijke zekerheden verlenen ten voordele van vennootschappen of particulieren,in de meest ruime zin.
- In het geval de verrichting van bepaalde handelingen zou onderworpen zijn aan voorafgaande voorwaarden inzake toegang tot het beroep,zal de vennootschap haar optreden,wat betreft de verrichting van deze handelingen,aan de vervulling van deze voorwaarden ondergeschikt maken.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Hand Solution
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, administratieve zetels,agentschappen,werkhuizen,stapelplaatsen en bijkantoren in België of buitenland bij enkel besluit…”
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- First Monday of May at 18:00
Articles of association, deed of 27-02-2025 (in Dutch)
Environmental permits: No permit applications found in Flanders.
Sites & property
Registered office and establishments
1 establishment unit
Tuinwijk Zuun 45, 1600 Sint-Pieters-Leeuw
since 2025unit no. 2.370.894.487
Buildings and parcels at the address
Ground area
241 m²
Building footprint
100 m²
Building volume
520 m³
Parcel 23582E0452/00N003, Flanders · tallest building 9.8 m.
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 23582E0452/00N003 | Flanders | 241 m² | 1 · 100 m² | 9.8 m · 2 |