HERVÉ
ActiveHERVÉ has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €440k and a net result of €126k. Equity is growing by ~33.3% per year across the filed fiscal years. Its solvency ranks better than 54% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability94▼-5
Solvency96▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 3.69 in 2023; short-term debt: 25.1% and cash: 25.4% of total assets), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 86
Relative position
BE, all sectors
reference
Sector 86
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 2024Solvency, return and age of the figures
Solvency
70.6%
Return on assets
20.2%
Age of the figures
21 mo
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 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
28 d early
2022
24 d early
2022
53 d early
2021
1 d late
2020
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€440k▲ 21.1%
2023 · €363k
2019: €119k
2020: €144k
2021: €166k
2022: €272k
2022: €286k
2023: €363k
2019 → 2024
Total assets
€622k▲ 18.1%
2023 · €527k
2019: €232k
2020: €282k
2021: €361k
2022: €382k
2022: €400k
2023: €527k
2019 → 2024
Net result
€126k=
2023 · €126k
2019: €66k
2020: €104k
2021: €116k
2022: €106k
2022: €55k
2023: €126k
2019 → 2024
Working capital
€423k▲ 22.5%
2023 · €345k
2019: €116k
2020: €142k
2021: €166k
2022: €272k
2022: €284k
2023: €345k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202220232024Trend
Equity€166k-€272k▲ 63.9%€286k▲ 5.3%€363k▲ 26.7%€440k▲ 21.1%
Operating result€152k-€150k▼ 1.4%€74k▼ 50.7%€172k▲ 133%€174k▲ 1.3%
Net result€116k-€106k▼ 8.3%€55k▼ 47.9%€126k▲ 128%€126k=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €622k
Fixed assets
€43k▼ 18.8%
Current assets
€579k▲ 22.3%
Equity and liabilities €622k
Equity
€440k▲ 21.1%
Debt
€183k▲ 11.5%
The debt ratio falls from 31.1% to 29.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€185k▲
2023 · €177k
Cash flow
€137k▲
2023 · €130k
Solvency
70.6%▲
2023 · 68.9%
Current ratio
3.71▲
2023 · 3.69
Quick ratio
3.71▲
2023 · 3.69
Debt / equity
0.42▼
2023 · 0.45
ROE
28.6%▼
2023 · 34.7%
ROA
20.2%▼
2023 · 23.9%
Interest coverage
68.40▼
2023 · 130.26
Debt
€183k▲
2023 · €164k
Debt ≤ 1 year
€156k▲
2023 · €129k
Debt > 1 year
€26k▼
2023 · €35k
Income taxes
€47k▲
2023 · €46k
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€527k€622k▲
Fixed assets21/28€53k€43k▼
Tangible fixed assets22/27€52k€42k▼
Plant, machinery and equipment23-€967
Furniture and vehicles24€49k€39k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€750€750=
Current assets29/58€474k€579k▲
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40€0-
Other amounts receivable41€6k€8k▲
Current investments50/53€286k€347k▲
Cash at bank and in hand54/58€115k€158k▲
Deferred charges and accrued income490/1€66k€66k▲
Equity and liabilities
Total equity and liabilities10/49€527k€622k▲
Equity10/15€363k€440k▲
Contributions10/11€69k€69k=
Reserves13€294k€371k▲
Distributable reserves133€294k€371k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€164k€183k▲
Amounts payable after more than one year17€35k€26k▼
Financial debts170/4€35k€26k▼
Amounts payable within one year42/48€129k€156k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43€30k€38k▲
Credit institutions430/8€30k€38k▲
Trade debts44€1k€586▼
Suppliers440/4€1k€586▼
Taxes, remuneration and social security45€2k€0▼
Taxes450/3€2k€0▼
Other amounts payable47/48€87k€109k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€11k▲
Other operating charges640/8€2k€727▼
Gross operating margin9900€179k€186k▲
Operating profit (loss)9901€172k€174k▲
Financial income75/76B€915€1k▲
Recurring financial income75€915€1k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€172k€173k▲
Income taxes67/77€46k€47k▲
Profit (loss) for the period9904€126k€126k=
Profit (loss) for the period to be appropriated9905€126k€126k=
Appropriation of the result
Profit (loss) to be appropriated9906€126k€126k=
Transfer from equity791/2€0€8k▲
Transfer to equity691/2€77k€84k▲
To other reserves6921€77k€84k▲
Profit to be distributed694/7€49k€49k=
Return on contributions (dividend)694€49k€49k=
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
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €126k ▲128%
Net result €126k, the highest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €55k ▼47.9%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
09-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €200kEq €272k ▲63.9%
4 profitable years in a row build equity to €272k.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Equity above €150kEq €166k ▲14.9%
3 profitable years in a row build equity to €166k.
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Genappe · 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.
La Houlette 731470 GenappeGround area
4,136 m²
Building footprint
116 m²
Volume, LiDAR
919 m³
2 parcels, Wallonia · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hervé SPRL
since 20092.186.375.248
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003K0038/00B000 | Wallonia | 2,672 m² | - | - |
| 25003K0036/00B000 | Wallonia | 1,464 m² | 1 · 116 m² | 10.3 m · 3 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
549300EK2DY0BPDM6G77
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,973. 6,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2009
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:regivreven@hotmail.com
Phone:0474 58 17 26