Equity
€575,842 ▲ 1.1%
HANDS-ON FINANCE SOLUTIONS paid out €55,000 in dividends. That is 90% of the 2025 profit.
HANDS-ON FINANCE SOLUTIONS
Lifetime
15 annual accounts with figures on one time axispeak €259,088 (2022)
€92,000▼ 55.1%
peak €163,982 (2022)
€61,175▼ 56.0%
peak €575,842 (2025)
€575,842▲ 1.1%
€107,026▲ 29.3%
Board1 name since 2010
1 directorPeeters Ivo
Documentsfilings and deeds
22-07-20269 days before the deadline
2025micro format
Gross margin from €204,997 to €92,000Result from €139,060 to €61,175Dividend €55,000Debts from €82,788 to €107,026Cash from €35,075 to €13,793
Key points
from the 2025 annual accountsResult
€61,175 ▼ 56.0%
The result fell in 2025 from €139,060 to €61,175.
Position in the sector
€575,842
More equity than 90% of companies in head offices and management consultancy. Sector median €78,218 · 39,392 companies.
Checked score
94
Excellent
Financially stronger than 52% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,568 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025lowest value
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: 0.1%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.1%● unchanged vs 08-2026highest value
10-2026: 0.1%● unchanged vs 09-2026highest value
11-2026: 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 6.57, cash €13,793, halved
lowers risk
Size: total assets €682,869
Figures for financial year 2025 (filed on 22-07-2026)
Equity €575,842 (84.3% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 30% on liquidity, 47% on profitability and 44% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as HANDS-ON FINANCE SOLUTIONS has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of HANDS-ON FINANCE SOLUTIONS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for HANDS-ON FINANCE SOLUTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 6.57 (8.32 in 2024), above the usual 1.5. Short-term debt is 14.5% and cash 2% of total assets. 15.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
21 days early
2023
on the day
2022
on the day
2021
2 days early
2020
8 days early
2019
60 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 3 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
08-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0825704085
Amendment of the articles · Legal-form change · Resignations & appointments
Board composition: PEETERS Ivo Frans Victor (director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 15-01-2024 · Gazette deed
Incorporation
published on 10-05-2010 · Gazette deed
First establishment
Langestraat 11, Kampenhout
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| HANDS-ON FINANCE SOLUTIONS Kampenhout | €682,869 | €92,000 | 84.3% | - |
| Eric Verbauwhede Kampenhout | €579,036 | €103,103 | 83.9% | - |
| YAKO Dilbeek | €721,762 | €89,642 | 60.2% | - |
| PureC Keerbergen | €662,529 | €101,356 | -60.3% | 0 |
| THE PROJECT HOUSE Leuven | €686,696 | €104,442 | 32.0% | - |
| BUYENS & PARTNERS Haacht | €627,854 | €81,980 | 20.2% | - |
| I2C Dilbeek | €580,775 | €98,543 | 85.6% | - |
These companies have the same main activity as HANDS-ON FINANCE SOLUTIONS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €579,000 and €722,000, founded between 2009 and 2011.
Official details
Source: KBO- Status
- Active since 06-05-2010Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.187.756.9051910 Kampenhout, since 06-05-2010
- Financial year end
- 31 December
- Peppol
- Reachable since 13-11-2025
Annual accounts 2025
- ≈ €190,000estimated
- €682,869▲ 4.7%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on HANDS-ON FINANCE SOLUTIONS
HANDS-ON FINANCE SOLUTIONS files the micro format. That format states no turnover. The gross margin fell from €95,719 in 2011 to €92,000 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HANDS-ON FINANCE SOLUTIONS
- What is the company number of HANDS-ON FINANCE SOLUTIONS?
- The company number of HANDS-ON FINANCE SOLUTIONS is 0825.704.085. The VAT number is the same number with BE in front: BE 0825.704.085.
- Where is HANDS-ON FINANCE SOLUTIONS based?
- The registered office is at Langestraat 11, 1910 Kampenhout.Company details
- What does HANDS-ON FINANCE SOLUTIONS do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of HANDS-ON FINANCE SOLUTIONS?
- HANDS-ON FINANCE SOLUTIONS is a private limited company (BV).
- When was HANDS-ON FINANCE SOLUTIONS founded?
- HANDS-ON FINANCE SOLUTIONS was founded on 06-05-2010.
- Is HANDS-ON FINANCE SOLUTIONS still active?
- Yes, HANDS-ON FINANCE SOLUTIONS is an active enterprise in the KBO register.
- What is the turnover of HANDS-ON FINANCE SOLUTIONS?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €92,000 and 120 comparable companies (NACE 70200). It probably lies between €140,000 and €240,000.Financials
- Is HANDS-ON FINANCE SOLUTIONS profitable?
- In financial year 2025, HANDS-ON FINANCE SOLUTIONS made a profit of €61,175.
- Where can I find the annual accounts of HANDS-ON FINANCE SOLUTIONS?
- HANDS-ON FINANCE SOLUTIONS filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HANDS-ON FINANCE SOLUTIONS due?
- HANDS-ON FINANCE SOLUTIONS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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