HF Consult
ActiveSummary
HF Consult has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137k and a net result of €16k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+66
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 46.42 against 35.33 in 2024; short-term debt: 2.1% and cash: 19% of total assets), and 2.1% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
97.9%
Return on assets
11.6%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
on the day
2022
5 d early
2021
29 d late
2020
20 d late
2019
23 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
€137k▲ 13.5%
2024 · €121k
2018: €75k
2019: €100k
2020: €120k
2021: €125k
2022: €154k
2023: €136k
2024: €121k
2018 → 2025
Total assets
€140k▲ 12.8%
2024 · €124k
2018: €95k
2019: €162k
2020: €165k
2021: €198k
2022: €161k
2023: €138k
2024: €124k
2018 → 2025
Net result
€16k
2024 · €-15k
2018: €50k
2019: €68k
2020: €54k
2021: €63k
2022: €29k
2023: €-18k
2024: €-15k
2018 → 2025
Working capital
€134k▲ 15.1%
2024 · €117k
2018: €74k
2019: €99k
2020: €119k
2021: €120k
2022: €150k
2023: €118k
2024: €117k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€125k-€154k▲ 23.5%€136k▼ 11.9%€121k▼ 11.0%€137k▲ 13.5%
Operating result€83k-€37k▼ 56.1%€-23k€-18k▲ 21.9%€14k
Net result€63k-€29k▼ 53.4%€-18k€-15k▲ 19.0%€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €18k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€3k ▼ 31.2%
Current assets
€137k ▲ 14.3%
Equity and liabilities €140k
Equity
€137k ▲ 13.5%
Debt
€3k ▼ 13.0%
Debt's share of the balance-sheet total falls from 2.7% to 2.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €-17k
Cash flow
€18k▲
2024 · €-14k
Current ratio
46.42▲
2024 · 35.33
Debt to equity
0.02▼
2024 · 0.03
ROE
11.9%▲
2024 · -12.3%
ROA
11.6%▲
2024 · -12.0%
Interest coverage
4.37▲
2024 · -5.09
Debt ≤ 1 year
€3k▼
2024 · €3k
Income taxes
€252▲
2024 · €158
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€124k€140k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€70€40▼
Current assets29/58€120k€137k▲
Amounts receivable within one year40/41€105k€104k▼
Trade receivables40€1k€4k▲
Other amounts receivable41€104k€101k▼
Cash at bank and in hand54/58€7k€27k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€124k€140k▲
Equity10/15€121k€137k▲
Contributions10/11€6k€6k=
Reserves13€147k€147k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€146k€146k=
Profit (loss) carried forward14€-33k€-17k▲
Amounts payable17/49€3k€3k▼
Amounts payable within one year42/48€3k€3k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€392€229▼
Taxes450/3-€229
Remuneration and social security454/9€392-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€531▼
Gross operating margin9900€-15k€16k▲
Operating profit (loss)9901€-18k€14k▲
Financial income75/76B€7k€6k▼
Recurring financial income75€7k€6k▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-15k€17k▲
Income taxes67/77€158€252▲
Profit (loss) for the period9904€-15k€16k▲
Profit (loss) for the period to be appropriated9905€-15k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-17k▲
Profit (loss) brought forward from the previous period14P€-18k€-33k▼
The notes to these accounts (7 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-18k ▼163%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 51.89
Current ratio from 22.31 to 51.89; short-term debt falls from €7k to €2k.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 8current ratio 22.31
Current ratio from 2.64 to 22.31; short-term debt falls from €73k to €7k.
31-12
Financial
Equity above €150kEq €154k ▲23.5%
5 profitable years in a row build equity to €154k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Highest result since 2018net €68k ▲35%
Net result €68k, the highest in the series.
31-12
Financial
Equity above €100kEq €100k ▲33.1%
2 profitable years in a row build equity to €100k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kapellen · 1 establishment unit since 2010
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.
Georges Spelierlaan 602950 KapellenGround area
5,538 m²
Building footprint
121 m²
Volume, LiDAR
750 m³
Parcel 11023I0135/00C004, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HF Consult
since 20102.189.527.055
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11023I0135/00C004 | Flanders | 5,538 m² | 1 · 121 m² | 8.6 m · 2 fl. |
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.
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mat consult
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,154 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 (pre-2019)
Founded25-06-2010
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.