Skip to content

HL&S Finances

Active Risk: not assessed
Private limited companyfounded 2019active for 7 yearsBenonchamps 95, 6600 Bastogne, BelgiumKBO/BCE: BE 0727.742.203
Summary

HL&S Finances is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €165,116 and a net result of €81,749. Equity has been growing by about 13% per year since 2020. Its solvency ranks better than 34% of 3,058 sector peers (NACE 66, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow ReportCompare
HL&S FinancesActive
Risk analysis ReportCompare

Overview

Official details

Source: KBO
Status
Active since 04-06-2019 Normal situation
Activity
Agents and brokers in banking services NACE 66191
Establishment unit
2.291.101.297 6800 Libramont-Chevigny, since 04-06-2019
Financial year end
31 December
Peppol
Reachable since 30-12-2025
Company details

Board and ownership

Board
  • Henrard ChristelDirector
Board & ownership

Financial position

Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2025
Profit
€81,749
▲ 8.9%
Equity
€165,116
▼ 10.0%
Total assets
€534,969
▲ 23.9%
Employees on 31-12-2025
2
=
  • 2025 accounts filed 31 days after the deadline
Financials
SignalsneutralA punctual record breaksShow the evidence

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months

The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

1 signal.
neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are now bankrupt, dissolved or in another special legal status, below the 1.66% of all filers. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filings
Deviation from the deadline
2025
31 days late
2024
17 days early
2023
42 days early
2022
5 days early
2021
41 days early
2020
12 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 14 days before the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% 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 14 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: 6 profitable years in a rowprofit 2025: €81,749 6 years View
  • Higher gross margin than 80% of companies in auxiliary financial servicessector median €102,281 · 3,059 companies €299,449 View

Recent changes

  1. · Gazette deed Incorporation
All 12 events

Comparable companies

These companies have the same main activity as HL&S Finances: agents and brokers in banking services (NACE 66191). They are comparable in size and age: total assets between €470,000 and €599,000, founded between 2018 and 2020.

CompanyTotal assetsGross margin
HL&S Finances Bastogne€534,969€299,449
HAGI Finances Etalle€535,774€289,057
Bekaert-Bouckaert Oostrozebeke€541,225€348,885
NTCR Finance Chaudfontaine€501,709€346,833
Beguin JC Management Ciney€469,610€265,647
OPTAFIN Kortenaken€599,011€253,622
Thomas Maes Roeselare€594,151€306,964
Full comparison

Key facts about HL&S Finances
What is the company number of HL&S Finances?
The company number of HL&S Finances is 0727.742.203. The VAT number is the same number with BE in front: BE 0727.742.203.
Where is HL&S Finances based?
The registered office is at Benonchamps 95, 6600 Bastogne.Company details
What does HL&S Finances do?
According to the KBO register, the main activity is agents and brokers in banking services (NACE 66191).
What is the legal form of HL&S Finances?
The legal form of HL&S Finances is Private limited company (BV).
When was HL&S Finances founded?
HL&S Finances was founded on 04-06-2019.
Is HL&S Finances still active?
Yes, HL&S Finances is an active enterprise in the KBO register.
How many employees does HL&S Finances have?
HL&S Finances had an average of 1.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HL&S Finances?
The turnover in financial year 2025 is ≈ €480,000. This figure is estimated from the gross margin of €299,449 and 31 comparable companies (NACE 66). It probably lies between €430,000 and €550,000.
Is HL&S Finances profitable?
In financial year 2025, HL&S Finances made a profit of €81,749.
Where can I find the annual accounts of HL&S Finances?
HL&S Finances filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HL&S Finances due?
HL&S Finances must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See what changed in the latest annual accounts.What changed See whether the workforce is growing and whether people stay.Employer check

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure