HENSEVAL E
ActiveSummary
HENSEVAL E has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.03M and a net result of €95k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 20.15 against 18.09 in 2024; short-term debt: 4.7% and cash: 91% of total assets), and 4.8% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
95.2%
Return on assets
8.8%
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
31 d early
2023
30 d early
2022
34 d early
2021
12 d early
2020
25 d early
2019
25 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.03M▲ 10.1%
2024 · €935k
2018: €579k
2019: €500k
2020: €602k
2021: €647k
2022: €772k
2023: €853k
2024: €935k
2018 → 2025
Total assets
€1.08M▲ 9.8%
2024 · €984k
2018: €680k
2019: €731k
2020: €912k
2021: €760k
2022: €841k
2023: €934k
2024: €984k
2018 → 2025
Net result
€95k▲ 16.3%
2024 · €81k
2018: €52k
2019: €58k
2020: €103k
2021: €45k
2022: €125k
2023: €81k
2024: €81k
2018 → 2025
Working capital
€977k▲ 14.9%
2024 · €850k
2018: €547k
2019: €484k
2020: €492k
2021: €562k
2022: €642k
2023: €733k
2024: €850k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€647k-€772k▲ 19.3%€853k▲ 10.5%€935k▲ 9.5%€1.03M▲ 10.1%
Operating result€105k-€176k▲ 67.8%€116k▼ 33.9%€117k▲ 0.6%€132k▲ 13.1%
Net result€45k-€125k▲ 176%€81k▼ 34.7%€81k▲ 0.1%€95k▲ 16.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 13% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€53k ▼ 37.1%
Current assets
€1.03M ▲ 14.2%
Equity and liabilities €1.08M
Equity
€1.03M ▲ 10.1%
Debt
€52k ▲ 3.5%
Debt's share of the balance-sheet total falls from 5.1% to 4.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€165k▲
2024 · €157k
Cash flow
€128k▲
2024 · €122k
Current ratio
20.15▲
2024 · 18.09
Quick ratio
19.86▲
2024 · 17.85
Debt to equity
0.05▼
2024 · 0.05
ROE
9.2%▲
2024 · 8.7%
ROA
8.8%▲
2024 · 8.3%
Interest coverage
184.04▼
2024 · 192.12
Debt ≤ 1 year
€51k▲
2024 · €50k
Income taxes
€41k▲
2024 · €36k
Staff costs
€76k▼
2024 · €103k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€984k€1.08M▲
Fixed assets21/28€84k€53k▼
Tangible fixed assets22/27€84k€53k▼
Plant, machinery and equipment23€34k€24k▼
Furniture and vehicles24€43k€25k▼
Other tangible fixed assets26€7k€4k▼
Current assets29/58€900k€1.03M▲
Stocks and contracts in progress3€12k€15k▲
Stocks30/36€12k€15k▲
Amounts receivable within one year40/41€18k€22k▲
Trade receivables40€13k€14k▲
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€862k€984k▲
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€984k€1.08M▲
Equity10/15€935k€1.03M▲
Contributions10/11€12k€12k=
Reserves13€907k€1.00M▲
Tax-exempt reserves132-€31
Distributable reserves133€907k€1.00M▲
Profit (loss) carried forward14€15k€15k▲
Amounts payable17/49€50k€52k▲
Amounts payable within one year42/48€50k€51k▲
Trade debts44€27k€23k▼
Suppliers440/4€27k€23k▼
Advances received on contracts in progress46€3k€4k▲
Taxes, remuneration and social security45€17k€22k▲
Taxes450/3€7k€17k▲
Remuneration and social security454/9€10k€5k▼
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3€78€550▲
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€103k€76k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€33k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€263k€244k▼
Operating profit (loss)9901€117k€132k▲
Financial income75/76B€2k€5k▲
Recurring financial income75€2k€5k▲
Financial charges65/66B€819€898▲
Recurring financial charges65€819€898▲
Profit (loss) for the period before taxes9903€118k€136k▲
Income taxes67/77€36k€41k▲
Profit (loss) for the period9904€81k€95k▲
Transfer to tax-exempt reserves689-€31
Profit (loss) for the period to be appropriated9905€81k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€95k€110k▲
Profit (loss) brought forward from the previous period14P€13k€15k▲
Transfer to equity691/2€80k€95k▲
To other reserves6921€80k€95k▲
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €1MEq €1.03M ▲10.1%
8 profitable years in a row build equity to €1.03M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €125k ▲176%
Operating result €176k, net result €125k, both a record.
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €45k ▼56.1%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.57
Current ratio from 2.76 to 6.57; short-term debt falls from €279k to €101k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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
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, Walcourt · 1 establishment unit since 2006
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.
Rue Trou Baudouin(Fra) 235650 WalcourtGround area
1,279 m²
Building footprint
135 m²
Parcel 93024A0194/00K019, Wallonia. Linked by address, not a title deed.
1 establishment unit
HENSEVAL E
since 20062.151.471.183
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93024A0194/00K019 | Wallonia | 1,279 m² | 1 · 135 m² | - |
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
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LIRODAK
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GM DERDE
BE 0507.581.402
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DACHTECHNIK RADERMEKER
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Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 2,004 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43230Insulation installation
43350Other building finishing work
43990Other specialised construction activities
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:delphine-deltour@hotmail.com