HARTKLOP
ActiveSummary
HARTKLOP has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €25k. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 17% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▼-52
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.87 against 1.57 in 2024; short-term debt: 89.9% and cash: 59.3% of total assets), and 89.9% of the assets are financed with debt.
Credit check 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 · 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
Sector 70
lower
← 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
10.1%
Return on assets
31.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 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 · 10 filingsDeviation from the deadline
2025
4 d late
2024
28 d late
2023
30 d late
2022
11 d early
2021
25 d early
2020
22 d early
2019
101 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 72.1%
2024 · €28k
2018: €-49k
2019: €-44k
2020: €-33k
2021: €-20k
2022: €-4k
2023: €13k
2024: €28k
2018 → 2025
Total assets
€78k▲ 70.1%
2024 · €46k
2019: €11k
2020: €27k
2021: €29k
2022: €37k
2023: €42k
2024: €46k
2019 → 2025
Net result
€25k▲ 61.3%
2024 · €15k
2019: €5k
2020: €11k
2021: €13k
2022: €16k
2023: €17k
2024: €15k
2019 → 2025
Working capital
€-9k
2024 · €10k
2019: €-48k
2020: €-41k
2021: €-35k
2022: €-23k
2023: €-3k
2024: €10k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-20k-€-4k▲ 79.9%€13k€28k▲ 117%€8k▼ 72.1%
Operating result€22k-€26k▲ 20.1%€27k▲ 2.7%€25k▼ 7.8%€38k▲ 51.8%
Net result€13k-€16k▲ 23.5%€17k▲ 5.5%€15k▼ 10.8%€25k▲ 61.3%
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 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€17k ▼ 9.8%
Current assets
€61k ▲ 125%
Equity and liabilities €78k
Equity
€8k ▼ 72.1%
Debt
€70k ▲ 300%
Debt's share of the balance-sheet total rises from 38.2% to 89.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €27k
Cash flow
€28k▲
2024 · €18k
Current ratio
0.87▼
2024 · 1.57
Debt to equity
8.87▲
2024 · 0.62
ROE
312.0%▲
2024 · 53.9%
ROA
31.6%▼
2024 · 33.3%
Interest coverage
99.65▲
2024 · 30.65
Debt ≤ 1 year
€70k▲
2024 · €17k
Income taxes
€13k▲
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€46k€78k▲
Fixed assets21/28€19k€17k▼
Tangible fixed assets22/27€19k€17k▼
Land and buildings22€12k€11k▼
Plant, machinery and equipment23€3k€3k=
Furniture and vehicles24€4k€3k▼
Current assets29/58€27k€61k▲
Amounts receivable within one year40/41€21k€13k▼
Trade receivables40€13k€11k▼
Other amounts receivable41€8k€1k▼
Cash at bank and in hand54/58€4k€46k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€46k€78k▲
Equity10/15€28k€8k▼
Contributions10/11€6k€6k=
Reserves13€77k€57k▼
Distributable reserves133€77k€57k▼
Profit (loss) carried forward14€-55k€-55k=
Amounts payable17/49€18k€70k▲
Amounts payable within one year42/48€17k€70k▲
Current portion of amounts payable after more than one year42€3k€3k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€0€51k▲
Accrued charges and deferred income492/3€126€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€29k€42k▲
Operating profit (loss)9901€25k€38k▲
Financial income75/76B€78€3▼
Recurring financial income75€78€3▼
Financial charges65/66B€893€407▼
Recurring financial charges65€893€407▼
Profit (loss) for the period before taxes9903€24k€37k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€15k€25k▲
Profit (loss) for the period to be appropriated9905€15k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-31k▲
Profit (loss) brought forward from the previous period14P€-55k€-55k=
Transfer from equity791/2-€45k
Transfer to equity691/2€15k€25k▲
To other reserves6921€15k€25k▲
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
The notes to these accounts (9 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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Highest result since 2019net €25k ▲61.3%
Operating result €38k, net result €25k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Deerlijk · 1 establishment unit since 2007
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.
Beverenstraat 58540 DeerlijkGround area
198 m²
Building footprint
197 m²
Volume, LiDAR
1,356 m³
Parcel 34009A0094/00S005, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HARTKLOP
since 20072.163.057.735
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34009A0094/00S005 | Flanders | 198 m² | 1 · 197 m² | 10.9 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 428 EUR awarded · 428 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 428 EUR | 428 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 20,331 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-2007
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
70100Activities of head offices
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@sequoia-consulting.be