HBVET
ActiveHBVET has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €18k and a net result of €12k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 28% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
83
/ 100
Excellent▲ +20 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+100
Solvency53▲+4
Growth32=
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.22 against 1.13 in 2023), and 69.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
30.5%
Return on assets
20.3%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 19-05-2025, 42 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
29 d early
2022
17 d early
2021
9 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€18k▼ 0.1%
2023 · €18k
2021: €26k
2022: €23k
2023: €18k
2021 → 2024
Total assets
€59k▼ 2.7%
2023 · €61k
2021: €84k
2022: €76k
2023: €61k
2021 → 2024
Net result
€12k
2023 · €-1k
2021: €20k
2022: €-2k
2023: €-1k
2021 → 2024
Working capital
€8k▲ 94.9%
2023 · €4k
2021: €11k
2022: €7k
2023: €4k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€26k-€23k▼ 9.2%€18k▼ 23.0%€18k▼ 0.1%
Operating result€28k-€640▼ 97.7%€3k▲ 393%€19k▲ 514%
Net result€20k-€-2k€-1k▲ 54.6%€12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 514% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €59k
Fixed assets
€16k▼ 39.3%
Current assets
€43k▲ 26.0%
Equity and liabilities €59k
Equity
€18k▼ 0.1%
Debt
€41k▼ 3.8%
The debt ratio falls from 70.3% to 69.5%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€30k▲
2023 · €14k
Cash flow
€22k▲
2023 · €10k
Solvency
30.5%▲
2023 · 29.7%
Current ratio
1.22▲
2023 · 1.13
Quick ratio
1.22▲
2023 · 1.13
Debt / equity
2.28▼
2023 · 2.37
ROE
66.7%▲
2023 · -6.0%
ROA
20.3%▲
2023 · -1.8%
Interest coverage
72.79▲
2023 · 12.42
Debt
€41k▼
2023 · €43k
Debt ≤ 1 year
€35k▲
2023 · €30k
Debt > 1 year
€4k▼
2023 · €13k
Income taxes
€7k▲
2023 · €3k
Staff costs
€80
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€61k€59k▼
Fixed assets21/28€27k€16k▼
Tangible fixed assets22/27€27k€16k▼
Plant, machinery and equipment23€415€215▼
Furniture and vehicles24€24k€14k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€34k€43k▲
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€13k€12k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€21k€30k▲
Deferred charges and accrued income490/1€225€212▼
Equity and liabilities
Total equity and liabilities10/49€61k€59k▼
Equity10/15€18k€18k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€12k€12k▼
Amounts payable17/49€43k€41k▼
Amounts payable after more than one year17€13k€4k▼
Financial debts170/4€13k€4k▼
Amounts payable within one year42/48€30k€35k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€11k€9k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€4k€15k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Remuneration, social security and pensions62-€80
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€16k€32k▲
Operating profit (loss)9901€3k€19k▲
Financial income75/76B€51€0▼
Recurring financial income75€51€0▼
Financial charges65/66B€1k€410▼
Recurring financial charges65€1k€410▼
Profit (loss) for the period before taxes9903€2k€19k▲
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€-1k€12k▲
Profit (loss) for the period to be appropriated9905€-1k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€24k▲
Profit (loss) brought forward from the previous period14P€17k€12k▼
Profit to be distributed694/7€4k€12k▲
Return on contributions (dividend)694€4k€12k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-11
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
01-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-11
Financial
Weakest financial yearnet €-2k ▼112%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
21-06
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
2 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, Assesse · 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.
Rue Haute 3/15332 AssesseGround area
344 m²
Building footprint
72 m²
Volume, LiDAR
392 m³
Parcel 92030C0262/00S000, Wallonia · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HBVET
since 20202.316.803.329
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92030C0262/00S000 | Wallonia | 344 m² | 1 · 72 m² | 10.0 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.
Similar companies · same sector, comparable size
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LAURE & PAPER
BE 0472.761.370
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BUILD YOUR ENERGY
BE 0840.934.174
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Marjulart
BE 0800.371.051
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SALLVE ADVISORY
BE 0465.030.965
Sint-Genesius-Rode · Eq €18k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 29,335 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2020
Fiscal year end30-11
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.