HOF TER COTTHEM
ActiveThe annual accounts of HOF TER COTTHEM for fiscal year 2025 show a net loss of 52% of total assets. The 2025 annual accounts show equity of €5k and a net result of €-3k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 3112 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 33.16; short-term debt: 2.4% and cash: 64.5% of total assets), and 7.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
92.2%
Return on assets
-52.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
7 d early
2023
12 d early
2022
12 d early
2021
22 d late
2020
27 d late
2019
21 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 36.1%
2024 · €7k
2018: €11k
2019: €11k
2020: €8k
2021: €11k
2022: €14k
2023: €15k
2024: €7k
2018 → 2025
Total assets
€5k▼ 33.2%
2024 · €8k
2018: €12k
2019: €12k
2020: €9k
2021: €12k
2022: €15k
2023: €15k
2024: €8k
2018 → 2025
Net result
€-3k▲ 62.4%
2024 · €-7k
2018: €-7k
2019: €85
2020: €-3k
2021: €3k
2022: €4k
2023: €325
2024: €-7k
2018 → 2025
Working capital
€4k▼ 61.2%
2021 · €10k
2018: €9k
2021: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€14k▲ 34.6%€15k▲ 2.3%€7k▼ 49.0%€5k▼ 36.1%
Operating result€3k-€4k▲ 36.9%€367▼ 90.0%€-7k€-3k▲ 62.8%
Net result€3k-€4k▲ 37.4%€325▼ 91.1%€-7k€-3k▲ 62.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €5k
Equity
€5k▼ 36.1%
Debt
€400▲ 45.5%
The debt ratio rises from 3.6% to 7.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-2k▲
2024 · €-7k
Cash flow
€-2k▲
2024 · €-7k
Solvency
92.2%▼
2024 · 96.4%
Current ratio
33.16
Quick ratio
33.16
Debt / equity
0.08▲
2024 · 0.04
ROE
-56.5%▲
2024 · -96.0%
ROA
-52.1%▲
2024 · -92.6%
Interest coverage
-52.80▲
2024 · -159.65
Debt
€400▲
2024 · €275
Debt ≤ 1 year
€125
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€8k€5k▼
Formation expenses20€1k€985▼
Current assets29/58€6k€4k▼
Amounts receivable within one year40/41€828€0▼
Trade receivables40€828€0▼
Cash at bank and in hand54/58€5k€3k▼
Deferred charges and accrued income490/1€411€836▲
Equity and liabilities
Total equity and liabilities10/49€8k€5k▼
Equity10/15€7k€5k▼
Contributions10/11€124k€124k=
Profit (loss) carried forward14€-116k€-119k▼
Amounts payable17/49€275€400▲
Amounts payable within one year42/48-€125
Trade debts44-€125
Suppliers440/4-€125
Accrued charges and deferred income492/3€275€275=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€359€359=
Other operating charges640/8€717€860▲
Gross operating margin9900€-6k€-1k▲
Operating profit (loss)9901€-7k€-3k▲
Financial charges65/66B€42€43▲
Recurring financial charges65€42€43▲
Profit (loss) for the period before taxes9903€-7k€-3k▲
Profit (loss) for the period9904€-7k€-3k▲
Profit (loss) for the period to be appropriated9905€-7k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-116k€-119k▼
Profit (loss) brought forward from the previous period14P€-109k€-116k▼
The notes to these accounts (4 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼2288%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €4k ▲37.4%
Operating result €4k, net result €4k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Back to profitnet €85
Net result €85 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 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, Sint-Lievens-Houtem · 1 establishment unit
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.
Bovenstraat 139520 Sint-Lievens-HoutemGround area
2,525 m²
Parcel 41063C0167/00F000, Flanders. Linked by address, not a title deed.
1 establishment unit
HOF TER COTTHEM
since 18002.111.117.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063C0167/00F000 | Flanders | 2,525 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 291 EUR awarded · 291 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 291 EUR | 291 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteSint-Lievens-Houtem2.111.117.896
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Of 5,167 companies in sector 01110 we hold annual accounts for 612. 97 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-1987
Fiscal year end31-12
Activities, NACEBEL
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
68201Renting and operating of own or leased residential real estate, excluding social housing
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.