HDI - CONSULT
ActiveHDI - CONSULT has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.16M and a net result of €-45k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 95% of 8601 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
Profitability14=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
short-term debt: 0.2% and cash: 17.3% of total assets, and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
99.2%
Return on assets
-3.9%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-45k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
19 d early
2022
1 d early
2021
on the day
2020
20 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.16M▼ 3.8%
2024 · €1.20M
2019: €1.11M
2020: €1.13M
2021: €1.15M
2022: €1.25M
2023: €1.25M
2024: €1.20M
2019 → 2025
Total assets
€1.17M▼ 5.3%
2024 · €1.23M
2019: €1.52M
2020: €1.53M
2021: €1.39M
2022: €1.36M
2023: €1.33M
2024: €1.23M
2019 → 2025
Net result
€-45k▲ 11.9%
2024 · €-51k
2019: €22k
2020: €16k
2021: €22k
2022: €95k
2023: €8k
2024: €-51k
2019 → 2025
Working capital
€492k▼ 0.7%
2024 · €495k
2019: €175k
2020: €246k
2021: €321k
2022: €452k
2023: €503k
2024: €495k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.15M-€1.25M▲ 8.2%€1.25M▲ 0.6%€1.20M▼ 4.1%€1.16M▼ 3.8%
Operating result€38k-€131k▲ 245%€13k▼ 90.1%€-57k€-54k▲ 5.5%
Net result€22k-€95k▲ 325%€8k▼ 92.1%€-51k€-45k▲ 11.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €54k in 2025 against €57k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.17M
Fixed assets
€674k▼ 5.8%
Current assets
€494k▼ 4.7%
Equity and liabilities €1.17M
Equity
€1.16M▼ 3.8%
Provisions
€7k=
Debt
€2k▼ 90.2%
The debt ratio falls from 1.9% to 0.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-13k▲
2024 · €-14k
Cash flow
€-3k▲
2024 · €-8k
Solvency
99.2%▲
2024 · 97.5%
Debt / equity
0.00▼
2024 · 0.02
ROE
-3.9%▲
2024 · -4.3%
ROA
-3.9%▲
2024 · -4.2%
Interest coverage
-138.20▲
2024 · -154.76
Debt
€2k▼
2024 · €23k
Debt ≤ 1 year
€2k▼
2024 · €23k
Income taxes
€175▲
2024 · €170
A ratio outside any meaningful range has been withheld (balance sheet total €1.17M, equity €1.16M).
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€1.23M€1.17M▼
Fixed assets21/28€716k€674k▼
Tangible fixed assets22/27€716k€674k▼
Land and buildings22€683k€643k▼
Plant, machinery and equipment23€585€153▼
Furniture and vehicles24€27k€25k▼
Other tangible fixed assets26€6k€6k=
Current assets29/58€518k€494k▼
Amounts receivable within one year40/41€177k€189k▲
Other amounts receivable41€177k€189k▲
Current investments50/53€337k€100k▼
Cash at bank and in hand54/58-€203k
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.17M▼
Equity10/15€1.20M€1.16M▼
Contributions10/11€25k€25k=
Reserves13€1.09M€1.09M=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€1.09M€1.09M=
Profit (loss) carried forward14€91k€46k▼
Provisions and deferred taxes16€7k€7k=
Provisions for liabilities and charges160/5€7k€7k=
Pensions and similar obligations160€7k€7k=
Amounts payable17/49€23k€2k▼
Amounts payable within one year42/48€23k€2k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€766€655▼
Taxes450/3€766€655▼
Other amounts payable47/48€20k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€42k▼
Other operating charges640/8€5k€5k▼
Gross operating margin9900€-9k€-8k▲
Operating profit (loss)9901€-57k€-54k▲
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€91€91▼
Recurring financial charges65€91€91▼
Profit (loss) for the period before taxes9903€-51k€-45k▲
Income taxes67/77€170€175▲
Profit (loss) for the period9904€-51k€-45k▲
Profit (loss) for the period to be appropriated9905€-51k€-45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€46k▼
Profit (loss) brought forward from the previous period14P€142k€91k▼
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Liquidity times 10current ratio 217.86
Current ratio from 22.44 to 217.86; short-term debt falls from €23k to €2k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €-51k ▼782%
Net result drops to €-51k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity triplescurrent ratio 22.44
Current ratio from 8.62 to 22.44; short-term debt falls from €66k to €23k.
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Highest result since 2019net €95k ▲325%
Operating result €131k, net result €95k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 5.38
Current ratio from 2.47 to 5.38; short-term debt falls from €218k to €103k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
26-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Waregem · 1 establishment unit since 2009
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.
Kasteelstraat 758792 WaregemGround area
1,576 m²
Building footprint
262 m²
Volume, LiDAR
1,366 m³
Parcel 34010A0367/00C000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HDI - CONSULT
since 20092.175.356.840
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0367/00C000 | Flanders | 1,576 m² | 1 · 262 m² | 7.0 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 3,110 EUR awarded · 3,110 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,110 EUR | 3,110 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 26,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-12-2008
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.