Hans Vandeborne
ActiveThe computed 12-month bankruptcy probability of Hans Vandeborne is 1.7% (moderate). The 2025 annual accounts show equity of €75k and a net result of €60k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 70% of 27711 sector peers (fiscal year 2025). The company has been active since 1995 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+67
Solvency90▼-10
Growth78▲+26
Track record92
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 8.44 in 2023; short-term debt: 34.7% and cash: 33.9% of total assets), and 34.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.3%
Return on assets
52.1%
Age of the figures
12 mo
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
18192021222325
2018 to 2025 · latest year €75k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-05-2026, 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
27 d late
2023
31 d late
2022
32 d late
2021
2 d early
2020
92 d late
2019
49 d late
2018
30 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 396%
2023 · €15k
2018: €15k
2019: €16k
2020: €15k
2021: €15k
2022: €15k
2023: €15k
2018 → 2025
Total assets
€115k▲ 570%
2023 · €17k
2018: €15k
2019: €16k
2020: €16k
2021: €16k
2022: €16k
2023: €17k
2018 → 2025
Net result
€60k
2023 · €-309
2018: €1k
2019: €1k
2020: €-370
2021: €-207
2022: €224
2023: €-309
2018 → 2025
Working capital
€33k▲ 115%
2023 · €15k
2019: €16k
2020: €15k
2021: €15k
2022: €15k
2023: €15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€15k-€15k▼ 1.3%€15k▲ 1.5%€15k▼ 2.0%€75k▲ 396%
Operating result€-2k-€-1k▲ 35.9%€-871▲ 28.0%€-1k▼ 41.7%€68k
Net result€-370-€-207▲ 44.0%€224€-309€60k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €68k in 2025, compared with €-1k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €115k
Fixed assets
€43k
Current assets
€72k
Equity and liabilities €115k
Equity
€75k▲ 396%
Debt
€40k▲ 1,864%
The debt ratio rises from 11.8% to 34.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€75k
Cash flow
€67k
Solvency
65.3%▼
2023 · 88.2%
Current ratio
1.82▼
2023 · 8.44
Quick ratio
1.82▼
2023 · 8.44
Debt / equity
0.53▲
2023 · 0.13
ROE
79.9%▲
2023 · -2.0%
ROA
52.1%▲
2023 · -1.8%
Interest coverage
4977.90
Debt
€40k▲
2023 · €2k
Debt ≤ 1 year
€40k▲
2023 · €2k
Income taxes
€8k
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 · 2025 against 2023
Balance sheet
Code20232025
Assets
Total assets20/58€17k€115k▲
Fixed assets21/28-€43k
Tangible fixed assets22/27-€43k
Plant, machinery and equipment23-€43k
Current assets29/58€17k€72k▲
Amounts receivable within one year40/41€17k€33k▲
Trade receivables40-€8k
Other amounts receivable41€17k€25k▲
Cash at bank and in hand54/58€15€39k▲
Equity and liabilities
Total equity and liabilities10/49€17k€115k▲
Equity10/15€15k€75k▲
Contributions10/11€6k€6k=
Reserves13€8k€68k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€7k€67k▲
Profit (loss) carried forward14€541€541=
Amounts payable17/49€2k€40k▲
Amounts payable within one year42/48€2k€40k▲
Trade debts44€2k€18k▲
Suppliers440/4€2k€18k▲
Taxes, remuneration and social security45-€21k
Taxes450/3-€21k
Income statement
Code20232025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€7k
Other operating charges640/8-€150
Gross operating margin9900€-1k€75k▲
Operating profit (loss)9901€-1k€68k▲
Financial income75/76B€925-
Recurring financial income75€925-
Financial charges65/66B-€15
Recurring financial charges65-€15
Profit (loss) for the period before taxes9903€-309€68k▲
Income taxes67/77-€8k
Profit (loss) for the period9904€-309€60k▲
Profit (loss) for the period to be appropriated9905€-309€60k▲
Appropriation of the result
Profit (loss) to be appropriated9906€541€61k▲
Profit (loss) brought forward from the previous period14P€851€541▼
Transfer to equity691/2-€60k
To other reserves6921-€60k
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
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
30-09
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
24-01
KBO administration
UBO non-compliance
event 13-01-2025
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €224
Net result €224 after 2 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 42.92
Current ratio from 16.67 to 42.92; short-term debt falls from €984 to €363.
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
31-12
Financial
Weakest financial yearnet €-370 ▼133%
Net result drops to €-370, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 120 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Oud-Heverlee · 1 establishment unit since 1995
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.
Duivenstraat 503052 Oud-HeverleeGround area
3,344 m²
Building footprint
307 m²
Volume, LiDAR
1,741 m³
Parcel 24013A0180/00E002, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Duivenstraat 50, 3052 Oud-Heverlee
since 19952.070.517.359
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24013A0180/00E002 | Flanders | 3,344 m² | 1 · 307 m² | 9.7 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.
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Of 7,042 companies in sector 43221 we hold annual accounts for 3,469. 3,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-1995
Fiscal year end30-09
Activities, NACEBEL
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
45332
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.