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HENDUO

Active
Private limited companyfounded 2023active for 3 yearsRue du Moulin 3 A, 6740 Etalle, BelgiumKBO/BCE: BE 0803.856.321
Summary

HENDUO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. For HENDUO, one filing cycle of the annual accounts is missing. The 2024 annual accounts show negative equity (-€3,328) and a net result of €6,861. Its solvency ranks better than 9% of 3,249 sector peers (NACE 66, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€504,265total assets 2024
Equity
-€3,328
Profit
€6,861
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts 83 days overdue1 of 2 deeds read
Signalsraises riskWeak solvency vs sectorAnnual accounts not filedneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: One filing cycle is missing
Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Three signals.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 3249 sector peers (2024).
NBB · sector comparison
Position among 3249 sector peers
Solvency
better than 9%
← weakest strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 83 days later.
NBB · 2 filings
Position against the passed deadline
31-12-2025 year end31-07-2026 deadline22-10-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 13-08-2025, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filings
Deviation from the deadline
2025
not filed
2024
13 days late
2023
21 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 17 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2023.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2024 · micro…
  2. Back to profitnet €6,861
  3. Annual accounts filedfinancial year 2023 · micro…

Financials · financial year 2024, micro format

2025 annual accounts not yet filed, deadline passed on 31 July 2026 Financial year closed on 31 December 2025; filing due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 22 October 2026.

Equity
-€3,328▲ 67.3%
2023 · -€10,189
Net result
€6,861
2023 · -€20,189
Total assets
€504,265▲ 134%
2023 · €215,911
Solvency
-0.7%▲ 4.1pp
2023 · -4.7%
Trend over the years

2023 to 2024, 2 financial years

The operating result returns to profit in 2024: €25,771 after a loss of €18,136 in 2023.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result€25,771 2024 Net result€6,861 2024

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).

Every figure with its change against the financial year before
favourable unfavourable
Line20232024
Operating result-€18,136-€25,771
Net result-€20,189below the sector's middle half-€6,861within the sector's middle half
Equity-€10,189below the sector's middle half--€3,328below the sector's middle half▲ 67.3%
Total assets€215,911within the sector's middle half-€504,265within the sector's middle half▲ 134%
Debt€226,100-€507,592▲ 124%
Working capital-€21,659below the sector's middle half--€57,271below the sector's middle half▼ 164%
Solvency-4.7%below the sector's middle half--0.7%below the sector's middle half▲ 4.1pp
Current ratio0.04below the sector's middle half-0.21below the sector's middle half▲ 0.17
Return on assets (ROA)-9.4%below the sector's middle half-1.4%below the sector's middle half▲ 10.7pp
above within below the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €504,265
Fixed assets €488,635 ▲ 127%
Current assets €15,630 ▲ 1,504%
Equity and liabilities
Equity-€3,328
Debt€507,592
Equity is negative: debt (€507,592) exceeds the balance-sheet total (€504,265).
Key figures and ratios
2024 value · change against 2023
Debt ≤ 1 year
€72,901▲
2023 · €22,633
Debt > 1 year
€434,692▲
2023 · €203,467
Income taxes
€133
A ratio outside any meaningful range has been withheld (balance sheet total €504,265, equity -€3,328).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 38 lines
Balance sheet Code20232024
Assets
Total assets20/58€215,911€504,265▲
Fixed assets21/28€214,937€488,635▲
Intangible fixed assets21€214,937€442,535▲
Tangible fixed assets22/27-€43,100
Plant, machinery and equipment23-€1,578
Furniture and vehicles24-€41,521
Financial fixed assets28-€3,000
Current assets29/58€974€15,630▲
Amounts receivable within one year40/41-€14,145
Trade receivables40-€14,145
Cash at bank and in hand54/58€974€399▼
Deferred charges and accrued income490/1-€1,086
Equity and liabilities
Total equity and liabilities10/49€215,911€504,265▲
Equity10/15-€10,189-€3,328▲
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€20,189-€13,328▲
Amounts payable17/49€226,100€507,592▲
Amounts payable after more than one year17€203,467€434,692▲
Financial debts170/4€203,467€434,692▲
Amounts payable within one year42/48€22,633€72,901▲
Current portion of amounts payable after more than one year42€16,533€60,676▲
Trade debts44€1,699€6,842▲
Suppliers440/4€1,699€6,842▲
Taxes, remuneration and social security45-€133
Taxes450/3-€133
Other amounts payable47/48€4,401€5,249▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,063€48,996▲
Other operating charges640/8€384€3,090▲
Gross operating margin9900-€12,689€77,856▲
Operating profit (loss)9901-€18,136€25,771▲
Financial charges65/66B€2,053€18,776▲
Recurring financial charges65€2,053€18,776▲
Profit (loss) for the period before taxes9903-€20,189€6,994▲
Income taxes67/77-€133
Profit (loss) for the period9904-€20,189€6,861▲
Profit (loss) for the period to be appropriated9905-€20,189€6,861▲
Appropriation of the result
Profit (loss) to be appropriated9906-€20,189-€13,328▲
Profit (loss) brought forward from the previous period14P--€20,189

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20232024Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5,063€48,996▲ 868%
Other operating charges640/8€384€3,090▲ 704%
Gross operating margin9900-€12,689€77,856-
Operating profit (loss)9901-€18,136€25,771-
Financial charges65/66B€2,053€18,776▲ 815%
Recurring financial charges65€2,053€18,776▲ 815%
Profit (loss) for the period before taxes9903-€20,189€6,994-
Income taxes67/77-€133-
Profit (loss) for the period9904-€20,189€6,861-
Profit (loss) for the period to be appropriated9905-€20,189€6,861-
Line20232024Change
Assets
Total assets20/58€215,911€504,265▲ 134%
Fixed assets21/28€214,937€488,635▲ 127%
Intangible fixed assets21€214,937€442,535▲ 106%
Tangible fixed assets22/27-€43,100-
Plant, machinery and equipment23-€1,578-
Furniture and vehicles24-€41,521-
Financial fixed assets28-€3,000-
Current assets29/58€974€15,630▲ 1,504%
Amounts receivable within one year40/41-€14,145-
Trade receivables40-€14,145-
Cash at bank and in hand54/58€974€399▼ 59.0%
Deferred charges and accrued income490/1-€1,086-
Equity and liabilities
Total equity and liabilities10/49€215,911€504,265▲ 134%
Equity10/15-€10,189-€3,328▲ 67.3%
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€20,189-€13,328▲ 34.0%
Amounts payable17/49€226,100€507,592▲ 124%
Amounts payable after more than one year17€203,467€434,692▲ 114%
Financial debts170/4€203,467€434,692▲ 114%
Amounts payable within one year42/48€22,633€72,901▲ 222%
Current portion of amounts payable after more than one year42€16,533€60,676▲ 267%
Trade debts44€1,699€6,842▲ 303%
Suppliers440/4€1,699€6,842▲ 303%
Taxes, remuneration and social security45-€133-
Taxes450/3-€133-
Other amounts payable47/48€4,401€5,249▲ 19.3%
Line20232024Change
Profit (loss) for the period9904-€20,189€6,861-
+ Depreciation and write-downs630€5,063€48,996▲ 868%
Operating cash flow (approximation)-€15,126€55,857-
Investment in fixed assets (approximation)--€322,694-
Change in cash--€575-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Filings with the National Bank (2)
Financial year Type Filed Reference
31-12-2024 micro format 13-08-2025 2025-00373167
31-12-2023 micro format 21-08-2024 2024-00358253

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of the 4,607 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,207. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
No directors read yet: 1 of 2 Gazette acts processed. See the directors and other office holders in the KBO →

Owners and capital

Owners

No owners or capital events in the accounts and acts we read.

History

On 12 July 2023, HENDUO was incorporated as a private limited company.1 In 2024 the registered office moved to Etalle.2 The company has filed 2 sets of annual accounts, the latest for financial year 2024.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 28-06-2024
  3. 3National Bank, annual accounts 2024

Acts, filings and financial milestones

2025
13-08
NBB filing Annual accounts filed
financial year 2024 · micro format · 13 days late
2024
31-12
Financial Back to profitnet €6,861
Net result €6,861 after one loss-making year.
21-08
NBB filing Annual accounts filed
financial year 2023 · micro format · 21 days late
28-06
Gazette deed Registered office
Director in office · Registered-office move4 facts ▸
  • General meeting, 08-05-2024
  • Director in office, Benjamin LOISEAU (director)
  • Director in office, Charles QUINART (director)
  • Registered-office move, Rue du Moulin, 3A à 6740 ETALLE
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
1 of 2 deeds read
About the unread acts

Of the 2 Belgian Official Gazette deeds we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.

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Register details

Identification
Legal formPrivate limited company
Founded12-07-2023
Financial year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Contact
E-mail quinard.charles@gmail.comEtalle
Phone +32470513833Etalle
E-invoicing
Not found in the Peppol Directory

No listing in the Peppol Directory under this enterprise or VAT number. That proves nothing: being listed there is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

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If you follow this company, Checked tells you the day it appears in the Peppol register.

Register as of 22 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Etalle · 1 establishment unit since 2023
registered office establishment The establishment unit on the map
Ground area
648 m²
Building footprint
234 m²
Building volume
2,409 m³
Parcel 85009C1547/00B000, Wallonia · tallest building 13.7 m. Linked by address, not a title deed.
1 establishment unit
HENDUO
Rue du Moulin 3, 6740 EtalleInsurance agents and brokers
since 2023unit no. 2.347.180.561
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
85009C1547/00B000 Wallonia 648 m² 1 · 234 m² 13.7 m · 3
How the parcels are linked
Good to know
The parcel matches the address exactly.