HD Car-Tech
ActiveHD Car-Tech has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €4k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 39% of 2514 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▲+4
Solvency53▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.07 in 2024; short-term debt: 41.4% and cash: 1.5% of total assets), and 72.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 95
Relative position
BE, all sectors
reference
Sector 95
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
27.7%
Return on assets
3.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
55 d late
2022
31 d late
2021
61 d late
2020
23 d late
2019
96 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 13.4%
2024 · €32k
2018: €10k
2019: €12k
2020: €17k
2021: €18k
2022: €23k
2023: €28k
2024: €32k
2018 → 2025
Total assets
€131k▼ 3.8%
2024 · €136k
2018: €157k
2019: €152k
2020: €148k
2021: €143k
2022: €140k
2023: €139k
2024: €136k
2018 → 2025
Net result
€4k▲ 14.6%
2024 · €4k
2018: €7k
2019: €2k
2020: €4k
2021: €1k
2022: €5k
2023: €5k
2024: €4k
2018 → 2025
Working capital
€-52k▼ 0.9%
2024 · €-52k
2018: €-46k
2019: €-47k
2020: €-47k
2021: €-50k
2022: €-50k
2023: €-50k
2024: €-52k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€23k▲ 27.7%€28k▲ 22.7%€32k▲ 13.3%€36k▲ 13.4%
Operating result€4k-€7k▲ 77.4%€9k▲ 23.7%€7k▼ 20.6%€8k▲ 8.2%
Net result€1k-€5k▲ 252%€5k▲ 4.5%€4k▼ 28.3%€4k▲ 14.6%
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 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€129k▼ 2.6%
Current assets
€2k▼ 47.2%
Equity and liabilities €131k
Equity
€36k▲ 13.4%
Debt
€95k▼ 9.1%
The debt ratio falls from 76.5% to 72.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €10k
Cash flow
€8k▲
2024 · €7k
Solvency
27.7%▲
2024 · 23.5%
Current ratio
0.04▼
2024 · 0.07
Quick ratio
0.04▼
2024 · 0.07
Debt / equity
2.62▼
2024 · 3.26
ROE
11.8%▲
2024 · 11.7%
ROA
3.3%▲
2024 · 2.7%
Interest coverage
6.35▲
2024 · 5.60
Debt
€95k▼
2024 · €104k
Debt ≤ 1 year
€54k▼
2024 · €56k
Debt > 1 year
€41k▼
2024 · €49k
Income taxes
€2k▲
2024 · €1k
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€136k€131k▼
Formation expenses20€0€0=
Fixed assets21/28€133k€129k▼
Tangible fixed assets22/27€133k€129k▼
Land and buildings22€133k€129k▼
Furniture and vehicles24€0€0=
Current assets29/58€4k€2k▼
Amounts receivable within one year40/41€2k-
Trade receivables40€2k-
Cash at bank and in hand54/58€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€136k€131k▼
Equity10/15€32k€36k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€13k€18k▲
Amounts payable17/49€104k€95k▼
Amounts payable after more than one year17€49k€41k▼
Financial debts170/4€49k€41k▼
Amounts payable within one year42/48€56k€54k▼
Current portion of amounts payable after more than one year42€9k€9k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€4k▼
Taxes450/3€5k€4k▼
Other amounts payable47/48€40k€40k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€840€909▲
Gross operating margin9900€11k€12k▲
Operating profit (loss)9901€7k€8k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€5k€6k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€4k€4k▲
Profit (loss) for the period to be appropriated9905€4k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€18k▲
Profit (loss) brought forward from the previous period14P€10k€13k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 55 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Weakest financial yearnet €1k ▼67.8%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dilsen-Stokkem · 1 establishment unit since 2016
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.
Ondernemerspark 503650 Dilsen-StokkemGround area
6,771 m²
Building footprint
395 m²
Volume, LiDAR
378 m³
Parcel 73043A0831/00A000, Flanders · tallest building 2.8 m. Linked by address, not a title deed.
1 establishment unit
HD Car-Tech
since 20162.249.531.651
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73043A0831/00A000 | Flanders | 6,771 m² | 1 · 395 m² | 2.8 m |
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
AUTO REPAIR
BE 0762.471.369
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Dentbox
BE 0745.973.154
Waregem · Eq €37k
O&N Solutions
BE 0800.309.485
Aarschot · Eq €36k
JCV CarStyling
BE 0546.891.146
Haaltert · Eq €37k
CARROSSERIE DES ALLIES
BE 0800.725.694
Mouscron · Eq €36k
Of 1,878 companies in sector 95314 we hold annual accounts for 847. 577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded13-01-2016
Fiscal year end31-12
Activities, NACEBEL
45204
95314Bodywork repair (including spraying and painting)
46711Wholesale of cars and light vans (up to 3.5 tonnes)
45402
47300Retail sale of automotive fuel
47830Retail sale of motorcycles and motorcycle parts and accessories
52210Service activities incidental to land transportation
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.