HCP
ActiveHCP has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.39M and a net result of €128k. Equity is growing by ~25.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability27▲+5
Solvency80▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.76 in 2024), and 11.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
88.1%
Return on assets
4.7%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
19 d late
2023
27 d late
2022
30 d late
2021
25 d late
2020
25 d late
2019
31 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.39M▲ 5.7%
2024 · €2.26M
2018: €531k
2019: €601k
2020: €826k
2021: €2.52M
2022: €2.61M
2023: €2.62M
2024: €2.26M
2018 → 2025
Total assets
€2.71M▼ 3.7%
2024 · €2.82M
2018: €893k
2019: €900k
2020: €1.11M
2021: €2.79M
2022: €2.95M
2023: €2.87M
2024: €2.82M
2018 → 2025
Net result
€128k▲ 26.3%
2024 · €101k
2018: €66k
2019: €70k
2020: €225k
2021: €1.70M
2022: €84k
2023: €18k
2024: €101k
2018 → 2025
Working capital
€20k
2024 · €-102k
2018: €21k
2019: €87k
2020: €275k
2021: €-2k
2022: €105k
2023: €120k
2024: €-102k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.52M-€2.61M▲ 3.3%€2.62M▲ 0.7%€2.26M▼ 13.8%€2.39M▲ 5.7%
Operating result€-54k-€24k€27k▲ 8.8%€-27k€174k
Net result€1.70M-€84k▼ 95.1%€18k▼ 78.3%€101k▲ 458%€128k▲ 26.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €174k after a loss of €27k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.71M
Fixed assets
€2.44M▼ 1.6%
Current assets
€266k▼ 19.5%
Equity and liabilities €2.71M
Equity
€2.39M▲ 5.7%
Debt
€322k▼ 42.0%
The debt ratio falls from 19.7% to 11.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€234k▲
2024 · €35k
Cash flow
€188k▲
2024 · €163k
Solvency
88.1%▲
2024 · 80.3%
Current ratio
1.08▲
2024 · 0.76
Quick ratio
1.08▲
2024 · 0.76
Debt / equity
0.13▼
2024 · 0.25
ROE
5.4%▲
2024 · 4.5%
ROA
4.7%▲
2024 · 3.6%
Interest coverage
35.61▲
2024 · 4.22
Debt
€322k▼
2024 · €555k
Debt ≤ 1 year
€247k▼
2024 · €432k
Debt > 1 year
€75k▼
2024 · €123k
Income taxes
€50k▲
2024 · €11k
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€2.82M€2.71M▼
Fixed assets21/28€2.49M€2.44M▼
Tangible fixed assets22/27€391k€350k▼
Land and buildings22€306k€272k▼
Furniture and vehicles24€85k€78k▼
Financial fixed assets28€2.09M€2.09M=
Current assets29/58€330k€266k▼
Amounts receivable within one year40/41€140k€20k▼
Other amounts receivable41€140k€20k▼
Cash at bank and in hand54/58€185k€230k▲
Deferred charges and accrued income490/1€6k€16k▲
Equity and liabilities
Total equity and liabilities10/49€2.82M€2.71M▼
Equity10/15€2.26M€2.39M▲
Contributions10/11€12k€12k=
Reserves13€2.25M€2.38M▲
Distributable reserves133€2.25M€2.38M▲
Amounts payable17/49€555k€322k▼
Amounts payable after more than one year17€123k€75k▼
Financial debts170/4€123k€75k▼
Amounts payable within one year42/48€432k€247k▼
Current portion of amounts payable after more than one year42€45k€47k▲
Trade debts44€6k€10k▲
Suppliers440/4€6k€10k▲
Taxes, remuneration and social security45€18k€58k▲
Taxes450/3€18k€58k▲
Other amounts payable47/48€363k€131k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€60k▼
Other operating charges640/8€5k€6k▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€41k€240k▲
Operating profit (loss)9901€-27k€174k▲
Financial income75/76B€147k€10k▼
Recurring financial income75€147k€10k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€112k€177k▲
Income taxes67/77€11k€50k▲
Profit (loss) for the period9904€101k€128k▲
Profit (loss) for the period to be appropriated9905€101k€128k▲
Appropriation of the result
Profit (loss) to be appropriated9906€101k€128k▲
Transfer from equity791/2€464k-
Transfer to equity691/2€101k€128k▲
To other reserves6921€101k€128k▲
Profit to be distributed694/7€464k-
Return on contributions (dividend)694€464k-
The notes to these accounts (7 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Weakest financial yearnet €18k ▼78.3%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-12
Financial
Highest result since 2018net €1.70M ▲654%
Net result €1.70M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.52M ▲205%
4 profitable years in a row build equity to €2.52M.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
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, Lievegem · 1 establishment unit since 2006
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.
St Jansstraat(OW) 29931 LievegemGround area
1.1 ha
Building footprint
233 m²
Volume, LiDAR
359 m³
2 parcels, Flanders · tallest building 6.8 m. Linked by address, not a title deed.
1 establishment unit
HCP
since 20062.155.658.318
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43011B0718/00F000 | Flanders | 8,031 m² | 1 · 173 m² | 6.8 m |
| 44053K0054/00D000 | Flanders | 2,689 m² | 1 · 60 m² | 4.1 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
HASAR
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Novobric
BE 0832.884.659
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ATHENUS
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DIAMMO
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BEE TRUST
BE 0462.453.834
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Of 7,288 companies in sector 68110 we hold annual accounts for 5,353. 2,490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2006
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70120
46180Agents specialised in the wholesale of other particular products
51180
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74142
74151
93053
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.