HMT Construct
ActiveThe computed 12-month bankruptcy probability of HMT Construct is 2.2% (moderate). The 2024 annual accounts show equity of €76k and a net result of €10k. Equity is growing by ~20.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 36378 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
100
/ 100
Excellent▲ +55 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability64▲+64
Solvency100▲+13
Growth52=
Stability94
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 3.72 against 1.69 in 2023), and 23.6% 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.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-10-2025, 75 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
75 d late
2023
58 d late
2022
60 d late
2021
22 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€76k▲ 14.6%
2023 · €66k
2021: €19k
2022: €81k
2023: €66k
2021 → 2024
Total assets
€99k▼ 26.6%
2023 · €135k
2021: €28k
2022: €164k
2023: €135k
2021 → 2024
Net result
€10k
2023 · €-15k
2021: €17k
2022: €63k
2023: €-15k
2021 → 2024
Working capital
€58k▲ 26.5%
2023 · €46k
2021: €7k
2022: €69k
2023: €46k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€19k-€81k▲ 324%€66k▼ 18.4%€76k▲ 14.6%
Operating result€23k-€93k▲ 297%€-17k€9k
Net result€17k-€63k▲ 260%€-15k€10k
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 2024: €9k after a loss of €17k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €99k
Fixed assets
€19k▼ 12.1%
Current assets
€80k▼ 29.4%
Equity and liabilities €99k
Equity
€76k▲ 14.6%
Debt
€23k▼ 66.1%
The debt ratio falls from 51.1% to 23.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€17k▲
2023 · €-7k
Cash flow
€17k▲
2023 · €-5k
Solvency
76.4%▲
2023 · 48.9%
Current ratio
3.72▲
2023 · 1.69
Quick ratio
3.72▲
2023 · 1.69
Debt / equity
0.31▼
2023 · 1.04
ROE
12.7%▲
2023 · -22.6%
ROA
9.7%▲
2023 · -11.0%
Interest coverage
11.00▲
2023 · -10.07
Debt
€23k▼
2023 · €69k
Debt ≤ 1 year
€21k▼
2023 · €67k
Income taxes
€872
Staff costs
€12k▼
2023 · €36k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€135k€99k▼
Fixed assets21/28€22k€19k▼
Tangible fixed assets22/27€22k€16k▼
Plant, machinery and equipment23€14k€12k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28-€3k
Current assets29/58€113k€80k▼
Amounts receivable within one year40/41€69k€70k▲
Trade receivables40€20k€10k▼
Other amounts receivable41€49k€61k▲
Cash at bank and in hand54/58€42k€7k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€135k€99k▼
Equity10/15€66k€76k▲
Contributions10/11€3k€3k=
Reserves13€78k€78k=
Distributable reserves133€78k€78k=
Profit (loss) carried forward14€-15k€-5k▲
Amounts payable17/49€69k€23k▼
Amounts payable within one year42/48€67k€21k▼
Trade debts44€33k€20k▼
Suppliers440/4€33k€20k▼
Taxes, remuneration and social security45€34k€1k▼
Taxes450/3€31k€1k▼
Remuneration and social security454/9€3k-
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Remuneration, social security and pensions62€36k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€32k€33k▲
Operating profit (loss)9901€-17k€9k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€691€2k▲
Recurring financial charges65€691€2k▲
Profit (loss) for the period before taxes9903€-15k€10k▲
Income taxes67/77-€872
Profit (loss) for the period9904€-15k€10k▲
Profit (loss) for the period to be appropriated9905€-15k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-15k€-5k▲
Profit (loss) brought forward from the previous period14P-€-15k
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 75 days late
2024
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.72
Current ratio from 1.69 to 3.72; short-term debt falls from €67k to €21k.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Weakest financial yearnet €-15k ▼124%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Highest result since 2021net €63k ▲260%
Operating result €93k, net result €63k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Leuven · 1 establishment unit since 2020
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.
Martelarenplein 20E3000 LeuvenGround area
4.6 ha
Building footprint
1,320 m²
Volume, LiDAR
18,517 m³
Parcel 24062H0036/00L013, Flanders · tallest building 22.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Martelarenplein 20, 3000 Leuven
since 20202.311.132.391
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24062H0036/00L013 | Flanders | 4.6 ha | 1 · 1,320 m² | 22.3 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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BOUWWERKEN TURCQ
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Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,072 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43999Specialised construction activities
41003General construction of other non-residential buildings
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.