HNLI
ActiveHNLI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €42k and a net result of €2k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 86% of 2541 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability83▼-17
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.93 against 7.16 in 2023; short-term debt: 14.9% and cash: 8.7% of total assets), and 14.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
85.1%
Return on assets
4.5%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
25 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€77k
EBIT margin
9.9%
Net result
€2k▼ 86.7%
2023 · €17k
2022: €21k
2023: €17k
2022 → 2024
Working capital
€14k▼ 47.9%
2023 · €27k
2022: €21k
2023: €27k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€77k
Equity€23k-€40k▲ 71.5%€42k▲ 5.6%
Operating result€21k-€17k▼ 21.6%€8k▼ 54.5%
Net result€21k-€17k▼ 21.8%€2k▼ 86.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 55% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €49k
Fixed assets
€28k▲ 121%
Current assets
€22k▼ 32.0%
Equity and liabilities €49k
Equity
€42k▲ 5.6%
Debt
€7k▲ 66.3%
The debt ratio rises from 10.0% to 14.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€23k▲
2023 · €23k
Cash flow
€18k▼
2023 · €23k
Solvency
85.1%▼
2023 · 90.0%
Current ratio
2.93▼
2023 · 7.16
Quick ratio
2.93▼
2023 · 7.16
Debt / equity
0.17▲
2023 · 0.11
ROE
5.3%▼
2023 · 41.7%
ROA
4.5%▼
2023 · 37.5%
Interest coverage
491.81▲
2023 · 486.78
Debt
€7k▲
2023 · €4k
Debt ≤ 1 year
€7k▲
2023 · €4k
Income taxes
€5k
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€44k€49k▲
Fixed assets21/28€13k€28k▲
Tangible fixed assets22/27€13k€26k▲
Furniture and vehicles24€13k€26k▲
Financial fixed assets28€78€1k▲
Current assets29/58€32k€22k▼
Amounts receivable within one year40/41€3k€17k▲
Trade receivables40€3k€4k▲
Other amounts receivable41-€13k
Cash at bank and in hand54/58€29k€4k▼
Equity and liabilities
Total equity and liabilities10/49€44k€49k▲
Equity10/15€40k€42k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€38k€40k▲
Amounts payable17/49€4k€7k▲
Amounts payable within one year42/48€4k€7k▲
Trade debts44€681€2k▲
Suppliers440/4€681€2k▲
Taxes, remuneration and social security45€4k€6k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€581-
Income statement
Code20232024
Turnover70-€77k
Goods, raw materials, services and sundry goods60/61-€53k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲
Other operating charges640/8-€296
Gross operating margin9900€23k€24k▲
Operating profit (loss)9901€17k€8k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€46€47▲
Recurring financial charges65€46€47▲
Profit (loss) for the period before taxes9903€17k€8k▼
Income taxes67/77-€5k
Profit (loss) for the period9904€17k€2k▼
Profit (loss) for the period to be appropriated9905€17k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€40k▲
Profit (loss) brought forward from the previous period14P€21k€38k▲
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €2k ▼86.7%
Net result drops to €2k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
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, Wemmel · 1 establishment unit since 2022
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.
Lt. Graffplein 151780 WemmelGround area
7,654 m²
Building footprint
457 m²
Volume, LiDAR
13,130 m³
2 parcels, Brussels, Flanders · tallest building 40.5 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
HNLI
since 20222.333.469.216
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21008A0223/00S003 | Brussels | 7,506 m² | 1 · 313 m² | 40.5 m · 12 fl. |
| 22662B0387/00R004 | Flanders | 147 m² | 1 · 144 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
RIJSCHOLEN HEYMANS BV
BE 0890.944.010
Opwijk · Eq €42k
VALBONA
BE 0692.738.069
Jette · Eq €42k
S&I Company
BE 1002.678.805
Berlare · Eq €41k
MOTIV-PERMIS
BE 1006.169.518
Brussel · Eq €43k
W-Car
BE 0786.200.737
Herzele · Eq €44k
Of 1,037 companies in sector 85531 we hold annual accounts for 346. 273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2022
Fiscal year end31-12
Activities, NACEBEL
85531Driving schools for cars and motorcycles
49410Freight transport by road
52250Logistics services
53200Other postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.