HF INTERIEUR
ActiveHF INTERIEUR has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €12k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65▼-25
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.55 against 5.57 in 2024), and 19.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 31
Relative position
BE, all sectors
reference
Sector 31
higher
← 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 2025Solvency, return and age of the figures
Solvency
80.4%
Return on assets
10.5%
Age of the figures
8 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
27 d early
2023
33 d late
2022
7 d early
2021
3 d early
2020
2 d early
2019
14 d early
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 2.3%
2024 · €90k
2018: €56k
2019: €59k
2020: €64k
2021: €75k
2022: €60k
2023: €74k
2024: €90k
2018 → 2025
Total assets
€115k▲ 7.5%
2024 · €107k
2018: €77k
2019: €69k
2020: €77k
2021: €101k
2022: €76k
2023: €85k
2024: €107k
2018 → 2025
Net result
€12k▼ 25.7%
2024 · €16k
2018: €10k
2019: €3k
2020: €6k
2021: €11k
2022: €-15k
2023: €14k
2024: €16k
2018 → 2025
Working capital
€78k▲ 5.6%
2024 · €74k
2018: €39k
2019: €45k
2020: €50k
2021: €55k
2022: €40k
2023: €55k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€60k▼ 20.3%€74k▲ 23.4%€90k▲ 21.9%€92k▲ 2.3%
Operating result€15k-€-16k€14k€24k▲ 67.4%€17k▼ 27.1%
Net result€11k-€-15k€14k€16k▲ 15.4%€12k▼ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€15k▼ 12.2%
Current assets
€100k▲ 11.1%
Equity and liabilities €115k
Equity
€92k▲ 2.3%
Debt
€22k▲ 35.7%
The debt ratio rises from 15.5% to 19.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€21k▼
2024 · €27k
Cash flow
€15k▼
2024 · €19k
Solvency
80.4%▼
2024 · 84.5%
Current ratio
4.55▼
2024 · 5.57
Quick ratio
4.55▼
2024 · 5.57
Debt / equity
0.24▲
2024 · 0.18
ROE
13.0%▼
2024 · 17.9%
ROA
10.5%▼
2024 · 15.2%
Interest coverage
112.88▲
2024 · 45.74
Debt
€22k▲
2024 · €17k
Debt ≤ 1 year
€22k▲
2024 · €16k
Income taxes
€7k▼
2024 · €9k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€107k€115k▲
Fixed assets21/28€17k€15k▼
Tangible fixed assets22/27€17k€15k▼
Plant, machinery and equipment23€0€672▲
Furniture and vehicles24€17k€14k▼
Current assets29/58€90k€100k▲
Amounts receivable within one year40/41€63k€66k▲
Trade receivables40€23k€29k▲
Other amounts receivable41€40k€37k▼
Cash at bank and in hand54/58€27k€33k▲
Deferred charges and accrued income490/1€664€2k▲
Equity and liabilities
Total equity and liabilities10/49€107k€115k▲
Equity10/15€90k€92k▲
Contributions10/11€16k€16k=
Reserves13€74k€77k▲
Distributable reserves133€74k€77k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€17k€22k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€16k€22k▲
Current portion of amounts payable after more than one year42€213€0▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€9k€16k▲
Taxes450/3€9k€16k▲
Accrued charges and deferred income492/3€334€410▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€731€922▲
Non-recurring operating charges66A€500€0▼
Gross operating margin9900€28k€21k▼
Operating profit (loss)9901€24k€17k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€589€182▼
Recurring financial charges65€589€182▼
Profit (loss) for the period before taxes9903€25k€19k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€16k€12k▼
Profit (loss) for the period to be appropriated9905€16k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€12k▼
Profit (loss) brought forward from the previous period14P€-1k€0▲
Transfer from equity791/2-€10k
Transfer to equity691/2€15k€12k▼
To other reserves6921€15k€12k▼
Profit to be distributed694/7-€10k
Return on contributions (dividend)694-€10k
The notes to these accounts (6 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €16k ▲15.4%
Operating result €24k, net result €16k, both a record.
02-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 33 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-15k ▼242%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lommel · 1 establishment unit since 2004
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.
Koperslagersweg 373920 LommelGround area
567 m²
Building footprint
116 m²
Volume, LiDAR
679 m³
Parcel 72345B1542/00A000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HF Interieur
since 20042.134.620.996
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1542/00A000 | Flanders | 567 m² | 1 · 116 m² | 8.5 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.
Similar companies · same sector, comparable size
KITCHI
BE 0865.394.507
Gent · Eq €91k
CASIER PETER
BE 0837.642.411
Roeselare · Eq €91k
MEUBLES ROSA
BE 0644.707.530
Liège · Eq €95k
De Patatjes
BE 0717.954.903
Veurne · Eq €89k
ALPHA DESIGN
BE 0437.921.346
Antwerpen · Eq €88k
Of 619 companies in sector 31002 we hold annual accounts for 348. 275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-12-2003
Fiscal year end31-12
Activities, NACEBEL
31002Manufacture of furniture
36130
31004Manufacture of dining room, living room, bedroom and bathroom furniture
36141
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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.
Contact details
1 entryPhone:011/551311