Financials
- Fiscal year
- 2025
- Total assets
- €216,085
- Profit
- €24,842
- Solvency
- 38.8%
Total assets▲ 8.5%
Net result
20222025
HOAL
ActiveSummary
HOAL has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83,767 and a net result of €24,842. Equity is growing by ~33.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 9508 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Business and other management consultancy
NACE 70200Business consulting NACE 70220
1 site
How big
€216,085total assets 2025
- Equity
- €83,767
- Profit
- €24,842
Turnover not published (abridged schema)
Who decides
- Holdings
- 1
Accounts 157 d early1 of 2 deeds read
Why 88- 1 change of registered office in 24 months+ Sector Activities of head offices; management consultancy activities (NACE 70)+ Liquidity: current ratio 1.33, cash €42,683+ Size: total assets €216,085Show the evidence
Checked score
Score 2025
88
/ 100
Excellent
Probability in this band: under 0.55%
Better than 31% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
64-36
equity 38.8% of total assets
Liquidity
44-24
short-term debt 59.5% · cash 19.8%
Profitability
83-17
return on assets 11.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
- 1 change of registered office in 24 months raises the probability
- Liquidity: current ratio 1.33, cash €42,683 lowers the probability
- Size: total assets €216,085 lowers the probability for this profile
Credit up to €7,000 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 4.1 in 2024; short-term debt: 59.5% and cash: 19.8% of total assets), and 61.2% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 37%, liquidity 23%, profitability 51%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 24-02-2026, 157 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
157 d early
2024
17 d early
2023
44 d early
2022
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 47 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 1 July (3 of the last 4 filed years within 61 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Registered officeRegistered-office move
- Annual accounts filedfiscal year 2025 · abbreviated…
- Weakest financial yearnet €24,842 ▼51.7%
Key points
By topic
Network & group
- Holdings
- 1
1 holding
Timeline
- Events
- 9
- Since
- 2023
- Next accounts
- by 31-07-2027
- 22-07-2026Registered office
- 24-02-2026Annual accounts filed
- 31-12-2025Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 05-01-2022
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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