HL solution
ActiveHL solution has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €25k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 90% of 7293 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+40
Solvency100=
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 5.12 in 2024), and 17% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
83%
Return on assets
15.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
40 d late
2024
179 d late
2023
30 d early
2022
58 d late
2021
24 d late
2020
12 d late
2019
70 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 4.5%
2024 · €129k
2018: €29k
2019: €52k
2020: €72k
2021: €93k
2022: €114k
2023: €131k
2024: €129k
2018 → 2025
Total assets
€163k▲ 5.3%
2024 · €155k
2018: €62k
2019: €82k
2020: €121k
2021: €164k
2022: €168k
2023: €194k
2024: €155k
2018 → 2025
Net result
€25k▲ 85.8%
2024 · €13k
2018: €17k
2019: €29k
2020: €20k
2021: €21k
2022: €21k
2023: €33k
2024: €13k
2018 → 2025
Working capital
€110k▲ 12.5%
2024 · €98k
2018: €26k
2019: €39k
2020: €45k
2021: €86k
2022: €94k
2023: €108k
2024: €98k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€93k-€114k▲ 22.9%€131k▲ 14.6%€129k▼ 1.2%€135k▲ 4.5%
Operating result€32k-€29k▼ 9.3%€50k▲ 71.8%€26k▼ 48.1%€35k▲ 36.5%
Net result€21k-€21k▲ 1.2%€33k▲ 56.4%€13k▼ 59.8%€25k▲ 85.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 36% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €163k
Fixed assets
€25k▼ 24.0%
Current assets
€137k▲ 13.3%
Equity and liabilities €163k
Equity
€135k▲ 4.5%
Debt
€28k▲ 9.2%
The debt ratio rises from 16.4% to 17.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€45k▲
2024 · €38k
Cash flow
€35k▲
2024 · €26k
Solvency
83.0%▼
2024 · 83.6%
Current ratio
4.98▼
2024 · 5.12
Quick ratio
4.83▲
2024 · 4.79
Debt / equity
0.20▲
2024 · 0.20
ROE
18.4%▲
2024 · 10.4%
ROA
15.3%▲
2024 · 8.7%
Interest coverage
223.73▲
2024 · 104.79
Debt
€28k▲
2024 · €25k
Debt ≤ 1 year
€28k▲
2024 · €24k
Income taxes
€10k▼
2024 · €12k
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€155k€163k▲
Fixed assets21/28€33k€25k▼
Tangible fixed assets22/27€33k€25k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€9k€5k▼
Other tangible fixed assets26€20k€17k▼
Current assets29/58€121k€137k▲
Stocks and contracts in progress3€8k€4k▼
Stocks30/36€8k€4k▼
Amounts receivable within one year40/41€25k€28k▲
Trade receivables40€24k€17k▼
Other amounts receivable41€389€12k▲
Cash at bank and in hand54/58€87k€105k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€155k€163k▲
Equity10/15€129k€135k▲
Contributions10/11€6k€6k=
Reserves13€110k€116k▲
Distributable reserves133€110k€116k▲
Profit (loss) carried forward14€13k€13k=
Amounts payable17/49€25k€28k▲
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€24k€28k▲
Current portion of amounts payable after more than one year42€10k€2k▼
Trade debts44€2k€1k▼
Suppliers440/4€399€1k▲
Bills of exchange payable441€2k-
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€7k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€10k▼
Other operating charges640/8€790€2k▲
Gross operating margin9900€39k€47k▲
Operating profit (loss)9901€26k€35k▲
Financial income75/76B€206€314▲
Recurring financial income75€206€314▲
Financial charges65/66B€363€202▼
Recurring financial charges65€363€202▼
Profit (loss) for the period before taxes9903€26k€35k▲
Income taxes67/77€12k€10k▼
Profit (loss) for the period9904€13k€25k▲
Profit (loss) for the period to be appropriated9905€13k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€38k▲
Profit (loss) brought forward from the previous period14P€13k€13k=
Transfer from equity791/2-€19k
Transfer to equity691/2€13k€25k▲
To other reserves6921€13k€25k▲
Profit to be distributed694/7-€19k
Return on contributions (dividend)694-€19k
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
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 179 days late
2024
31-12
Financial
Weakest financial yearnet €13k ▼59.8%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €33k ▲56.4%
Operating result €50k, net result €33k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Equity above €100kEq €114k ▲22.9%
5 profitable years in a row build equity to €114k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-07
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
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, Profondeville · 1 establishment unit since 2015
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.
Rue Edouard Binamé(B.V.) 805170 ProfondevilleGround area
8,760 m²
Parcel 92014A0002/00B003, Wallonia. Linked by address, not a title deed.
1 establishment unit
HL solution
since 20152.248.044.482
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92014A0002/00B003 | Wallonia | 8,760 m² | - | - |
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
VAN DE VELDE LOUIC
BE 0775.488.571
Lievegem · Eq €135k
B&E JANS
BE 0779.353.329
Zonhoven · Eq €135k
O.M.N.
BE 0823.541.084
Sint-Gillis (bij-Brussel) · Eq €135k
KURTCONSTRUCT
BE 0715.456.063
Brussel · Eq €135k
VERRIEST
BE 0452.064.639
Menen · Eq €135k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,859. 12,675 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2015
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
28250Manufacture of machinery and equipment not elsewhere classified
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.