HaPeHoe is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €33k and a net result of €24k. Equity is growing by ~51.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 8018 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
27 d early
2023
49 d early
2022
31 d late
2021
6 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 227%
2024 · €10k
2021: €365
2022: €3k
2023: €7k
2024: €10k
2021 → 2025
Net result
€24k▲ 778%
2024 · €3k
2021: €265
2022: €3k
2023: €4k
2024: €3k
2021 → 2025
Total assets
€43k▲ 111%
2024 · €21k
2021: €12k
2022: €16k
2023: €31k
2024: €21k
2021 → 2025
Solvency
76.5%▲ 27.2pp
2024 · 49.3%
2021: 3.0%
2022: 21.2%
2023: 23.6%
2024: 49.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€365-€3k▲ 810%€7k▲ 123%€10k▲ 36.9%€33k▲ 227%
Operating result€667-€5k▲ 596%€7k▲ 41.7%€5k▼ 25.2%€34k▲ 589%
Net result€265-€3k▲ 1,016%€4k▲ 38.3%€3k▼ 33.0%€24k▲ 778%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 589% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€5k▼ 22.2%
Current assets
€38k▲ 169%
Equity and liabilities €43k
Equity
€33k▲ 227%
Debt
€10k▼ 2.4%
The debt ratio falls from 50.7% to 23.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
76.5%▲
2024 · 49.3%
ROE
72.4%▲
2024 · 27.0%
ROA
55.4%▲
2024 · 13.3%
Debt
€10k▼
2024 · €10k
Debt ≤ 1 year
€10k▼
2024 · €10k
Income taxes
€10k▲
2024 · €2k
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 2024
Balance sheet
Code20242025
Assets
Total assets20/58€21k€43k▲
Fixed assets21/28€6k€5k▼
Tangible fixed assets22/27€6k€5k▼
Plant, machinery and equipment23€3k€2k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€14k€38k▲
Amounts receivable within one year40/41€1k€30▼
Trade receivables40-€30
Other amounts receivable41€1k-
Cash at bank and in hand54/58€13k€38k▲
Deferred charges and accrued income490/1€559€576▲
Equity and liabilities
Total equity and liabilities10/49€21k€43k▲
Equity10/15€10k€33k▲
Contributions10/11€100€100=
Reserves13€10k€33k▲
Distributable reserves133€10k€33k▲
Amounts payable17/49€10k€10k▼
Amounts payable within one year42/48€10k€10k▼
Trade debts44-€388
Suppliers440/4-€388
Taxes, remuneration and social security45€1k€9k▲
Taxes450/3€1k€5k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€9k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€679€1k▲
Other operating charges640/8€1k€878▼
Gross operating margin9900€7k€36k▲
Operating profit (loss)9901€5k€34k▲
Financial charges65/66B€206€189▼
Recurring financial charges65€206€189▼
Profit (loss) for the period before taxes9903€5k€34k▲
Income taxes67/77€2k€10k▲
Profit (loss) for the period9904€3k€24k▲
Profit (loss) for the period to be appropriated9905€3k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€24k▲
Transfer to equity691/2€3k€23k▲
To other reserves6921€3k€23k▲
Profit to be distributed694/7-€1k
Directors or managers695-€1k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €24k ▲778%
Operating result €34k, net result €24k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.78
Current ratio from 1.37 to 3.78; short-term debt falls from €10k to €10k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
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
Financial 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, Genk · 1 establishment unit since 2020
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.
Onderwijslaan 53600 GenkGround area
1,535 m²
Building footprint
149 m²
Volume, LiDAR
1,067 m³
Parcel 71308A0827/00R155, Flanders · tallest building 11.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HaPeHoe
since 20202.309.030.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71308A0827/00R155 | Flanders | 1,535 m² | 1 · 149 m² | 11.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400WGOQCITHBUX612
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 9,099 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-10-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.