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HDW-CONSULT

Active
Private limited companyfounded 200718 yrs activeStichelen(DE) 4, 9450 Haaltert, BelgiumKBO/BCE: BE 0894.268.041
Summary

HDW-CONSULT has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €238,368 and a net result of €17,197. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 62% of 19955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
HDW-CONSULTActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Computer programming
NACE 62100NACE 62010
#9 oldest company in Haaltert, Telecoms and IT sector1 site
Size
€336,021total assets 2025
Equity
€238,368
Profit
€17,197
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 1 d early0 of 3 deeds read
Why 94+ Liquidity: current ratio 1.64, cash €73,977+ Size: total assets €336,021+ Sector Computer programming, consultancy and related activities (NACE 62)+ Equity €238,368 (70.9% of total assets)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 96+9
equity 70.9% of total assets
Liquidity 72+4
short-term debt 18.6% · cash 22.0%
Profitability 75+3
return on assets 5.1%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,559 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%● 0.0% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%● 0.0% vs 03-2025 05-2025: < 0.1%● 0.0% vs 04-2025 06-2025: < 0.1%▼ -2.6% vs 05-2025 07-2025: < 0.1%▲ +2.7% vs 06-2025 08-2025: < 0.1%● 0.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%▲ +18.4% vs 09-2025highest value 11-2025: < 0.1%▼ -24.4% vs 10-2025lowest value 12-2025: < 0.1%● 0.0% vs 11-2025lowest value 01-2026: < 0.1%● 0.0% vs 12-2025lowest value 02-2026: < 0.1%● 0.0% vs 01-2026lowest value 03-2026: < 0.1%● 0.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%▲ +2.9% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%▲ +2.9% vs 06-2026 08-2026: < 0.1%● 0.0% vs 07-2026 09-2026: < 0.1%● 0.0% vs 08-2026 10-2026: < 0.1%▲ +22.2% vs 09-2026
  • Liquidity: current ratio 1.64, cash €73,977 lowers the probability
  • Size: total assets €336,021 lowers the probability for this profile
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • Equity €238,368 (70.9% of total assets) lowers the probability
Credit up to €22,000 at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.26 in 2024; short-term debt: 18.6% and cash: 22% of total assets), and 29.1% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 64%, liquidity 55%, profitability 34%, growth against the median 54%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 1.64, cash €73,977
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €336,021
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Equity €238,368 (70.9% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
3 d early
2021
26 d late
2020
26 d late
2019
on the day
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 31 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Oldest company in Haaltert, Telecoms and IT sectorin the Checked rankings #9 View
  • Positive: 7 profitable years in a rowprofit 2025: €17,197 7 years View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€336,021
Profit
€17,197
Solvency
70.9%
Total assets▼ 5.9%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2016
Next accounts
by 31-10-2026
  1. 30-10-2025Annual accounts filed
  2. 31-10-2024Annual accounts filed
  3. 31-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Computer programmingNACE 62100
Founded
18-12-2007
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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