Hendrik Putman
ActiveHendrik Putman has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €123k and a net result of €118k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 2917 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
94
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency86▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 1.94 in 2023), but 58% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 69
Relative position
BE, all sectors
reference
Sector 69
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-04-2025, 121 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
121 d early
2023
48 d early
2022
89 d early
2021
39 d early
2020
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€123k▲ 20.8%
2023 · €102k
2020: €22k
2021: €78k
2022: €140k
2023: €102k
2020 → 2024
Total assets
€292k▼ 1.1%
2023 · €295k
2020: €37k
2021: €174k
2022: €391k
2023: €295k
2020 → 2024
Net result
€118k▲ 21.9%
2023 · €97k
2020: €17k
2021: €56k
2022: €63k
2023: €97k
2020 → 2024
Working capital
€63k▲ 45.4%
2023 · €43k
2020: €24k
2021: €53k
2022: €82k
2023: €43k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€22k-€78k▲ 256%€140k▲ 81.2%€102k▼ 27.7%€123k▲ 20.8%
Operating result€21k-€71k▲ 234%€82k▲ 15.7%€126k▲ 53.6%€155k▲ 23.5%
Net result€17k-€56k▲ 233%€63k▲ 12.8%€97k▲ 53.4%€118k▲ 21.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 24% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €292k
Fixed assets
€185k▼ 10.0%
Current assets
€107k▲ 19.5%
Equity and liabilities €292k
Equity
€123k▲ 20.8%
Debt
€169k▼ 12.5%
The debt ratio falls from 65.6% to 58.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€179k▲
2023 · €150k
Cash flow
€142k▲
2023 · €121k
Solvency
42.0%▲
2023 · 34.4%
Current ratio
2.44▲
2023 · 1.94
Quick ratio
2.44▲
2023 · 1.94
Debt / equity
1.38▼
2023 · 1.90
ROE
95.9%▲
2023 · 95.1%
ROA
40.3%▲
2023 · 32.7%
Interest coverage
38.48▼
2023 · 66.49
Debt
€169k▼
2023 · €193k
Debt ≤ 1 year
€44k▼
2023 · €46k
Debt > 1 year
€123k▼
2023 · €147k
Income taxes
€34k▲
2023 · €27k
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€295k€292k▼
Fixed assets21/28€206k€185k▼
Tangible fixed assets22/27€205k€185k▼
Land and buildings22€162k€156k▼
Plant, machinery and equipment23€1k€4k▲
Furniture and vehicles24€42k€25k▼
Financial fixed assets28€250€250=
Current assets29/58€89k€107k▲
Amounts receivable within one year40/41€52k€67k▲
Trade receivables40€51k€66k▲
Other amounts receivable41€946€946=
Cash at bank and in hand54/58€29k€31k▲
Deferred charges and accrued income490/1€8k€9k▲
Equity and liabilities
Total equity and liabilities10/49€295k€292k▼
Equity10/15€102k€123k▲
Contributions10/11€5k€5k=
Reserves13€97k€118k▲
Distributable reserves133€97k€118k▲
Amounts payable17/49€193k€169k▼
Amounts payable after more than one year17€147k€123k▼
Financial debts170/4€147k€123k▼
Amounts payable within one year42/48€46k€44k▼
Current portion of amounts payable after more than one year42€25k€25k▲
Financial debts43€2k-
Credit institutions430/8€2k-
Trade debts44€11€2k▲
Suppliers440/4€11€2k▲
Taxes, remuneration and social security45€11k€17k▲
Taxes450/3€11k€17k▲
Other amounts payable47/48€8k-
Accrued charges and deferred income492/3-€3k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▼
Other operating charges640/8€2k€8k▲
Gross operating margin9900€152k€187k▲
Operating profit (loss)9901€126k€155k▲
Financial income75/76B€223€1k▲
Recurring financial income75€223€1k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€124k€152k▲
Income taxes67/77€27k€34k▲
Profit (loss) for the period9904€97k€118k▲
Profit (loss) for the period to be appropriated9905€97k€118k▲
Appropriation of the result
Profit (loss) to be appropriated9906€97k€118k▲
Transfer from equity791/2€135k€97k▼
Transfer to equity691/2€97k€118k▲
To other reserves6921€97k€118k▲
Profit to be distributed694/7€135k€97k▼
Return on contributions (dividend)694€135k€97k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €118k ▲21.9%
Operating result €155k, net result €118k, both a record.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €140k ▲81.2%
3 profitable years in a row build equity to €140k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Heuvelland · 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.
Willebeek(Kem) 278956 HeuvellandGround area
1,999 m²
Building footprint
291 m²
Volume, LiDAR
1,025 m³
2 parcels, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hendrik Putman
since 20202.299.484.869
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44402B0156/00B007 | Flanders | 1,652 m² | 1 · 161 m² | 10.6 m · 2 fl. |
| 33012B0726/00Z000 | Flanders | 347 m² | 1 · 130 m² | - |
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.
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BERLAKONSULT
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IVM Legal
BE 1009.468.310
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Elsene · Eq €123k
Of 2,750 companies in sector 69109 we hold annual accounts for 1,204. 938 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2020
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
69201Accountants
69209Other tax advisory services
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.