HANKARD PHILIPPE
ActiveHANKARD PHILIPPE has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €56k and a net result of €-71. Equity is shrinking by ~30.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2025. Its solvency ranks better than 59% of 6159 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency69▲+5
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 1.56 against 1.52 in 2023), but 64% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
36%
Return on assets
0%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
182021222324
2018 to 2024 · latest year -€71
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
28 d late
2022
3 d early
2021
79 d late
2020
24 d late
2018
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€56k▼ 0.1%
2023 · €56k
2018: €219k
2020: €177k
2021: €119k
2022: €90k
2023: €56k
2018 → 2024
Total assets
€156k▼ 7.9%
2023 · €169k
2018: €358k
2020: €307k
2021: €215k
2022: €197k
2023: €169k
2018 → 2024
Net result
€-71▲ 99.8%
2023 · €-33k
2018: €15k
2020: €-40k
2021: €-58k
2022: €-29k
2023: €-33k
2018 → 2024
Working capital
€56k▼ 3.3%
2023 · €58k
2018: €20k
2020: €64k
2021: €52k
2022: €68k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€177k-€119k▼ 32.8%€90k▼ 24.7%€56k▼ 37.4%€56k▼ 0.1%
Operating result€-4k-€-23k▼ 512%€11k€5k▼ 51.7%€-8k
Net result€-40k-€-58k▼ 44.2%€-29k▲ 49.3%€-33k▼ 14.0%€-71▲ 99.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €8k after €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €156k
Fixed assets
€278▼ 79.0%
Current assets
€155k▼ 7.4%
Equity and liabilities €156k
Equity
€56k▼ 0.1%
Debt
€100k▼ 11.8%
The debt ratio falls from 66.8% to 64.0%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-7k▼
2023 · €7k
Cash flow
€978▲
2023 · €-32k
Solvency
36.0%▲
2023 · 33.2%
Current ratio
1.56▲
2023 · 1.52
Quick ratio
1.32▲
2023 · 1.30
Debt / equity
1.78▼
2023 · 2.01
ROE
-0.1%▲
2023 · -59.7%
ROA
0.0%▲
2023 · -19.8%
Interest coverage
-3.33▼
2023 · 2.17
Debt
€100k▼
2023 · €113k
Debt ≤ 1 year
€100k▼
2023 · €110k
Income taxes
€-6k▼
2023 · €5k
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
Assets
Total assets20/58€169k€156k▼
Fixed assets21/28€1k€278▼
Tangible fixed assets22/27€1k€218▼
Plant, machinery and equipment23€1k€218▼
Financial fixed assets28€60€60=
Current assets29/58€168k€155k▼
Stocks and contracts in progress3€25k€24k▼
Stocks30/36€25k€24k▼
Amounts receivable within one year40/41€141k€128k▼
Trade receivables40€104k€93k▼
Other amounts receivable41€36k€36k▼
Current investments50/53€6€6=
Cash at bank and in hand54/58-€3k
Deferred charges and accrued income490/1€2k€95▼
Equity and liabilities
Total equity and liabilities10/49€169k€156k▼
Equity10/15€56k€56k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€202k€202k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€200k€200k=
Profit (loss) carried forward14€-152k€-152k=
Amounts payable17/49€113k€100k▼
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€110k€100k▼
Current portion of amounts payable after more than one year42€15k€3k▼
Financial debts43€10k€1k▼
Credit institutions430/8€10k€1k▼
Trade debts44€48k€43k▼
Suppliers440/4€48k€43k▼
Advances received on contracts in progress46€3k€2k▼
Taxes, remuneration and social security45€12k€2k▼
Taxes450/3€12k€2k▼
Other amounts payable47/48€23k€49k▲
Accrued charges and deferred income492/3€344-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€11k€-3k▼
Operating profit (loss)9901€5k€-8k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€70€16▼
Non-recurring financial income76B€6k€5k▼
Financial charges65/66B€40k€3k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€37k€608▼
Profit (loss) for the period before taxes9903€-29k€-6k▲
Income taxes67/77€5k€-6k▼
Profit (loss) for the period9904€-33k€-71▲
Profit (loss) for the period to be appropriated9905€-33k€-71▲
Appropriation of the result
Profit (loss) to be appropriated9906€-152k€-152k=
Profit (loss) brought forward from the previous period14P€-118k€-152k▼
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 79 days late
2021
31-12
Financial
Weakest financial yearnet €-58k
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
18-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
23-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 23 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Sint-Pieters-Leeuw · 1 establishment unit since 1992
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.
Sint-Stevensstraat 591600 Sint-Pieters-LeeuwGround area
358 m²
Building footprint
308 m²
Parcel 23077A0118/00E068, Flanders. Linked by address, not a title deed.
1 establishment unit
Sint-Stevensstraat 59, 1600 Sint-Pieters-Leeuw
since 19922.055.879.861
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23077A0118/00E068 | Flanders | 358 m² | 1 · 308 m² | - |
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.
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Of 898 companies in sector 96301 we hold annual accounts for 610. 401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded23-12-1991
Fiscal year end31-12
Activities, NACEBEL
93031
96301Funeral services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.