HOJEFA
ActiveHOJEFA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €14k and a net result of €-3k. Equity is shrinking by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 68% of 18281 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability54▲+4
Solvency81▲+17
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.12 in 2024; short-term debt: 44.3% and cash: 41.8% of total assets), and 44.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
55.7%
Return on assets
-12.2%
Age of the figures
9 mo
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 · 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
19202122232425
2019 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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
29 d late
2022
31 d late
2021
3 d early
2020
5 d early
2019
10 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 17.9%
2024 · €17k
2019: €24k
2020: €34k
2021: €34k
2022: €41k
2023: €24k
2024: €17k
2019 → 2025
Total assets
€25k▼ 43.3%
2024 · €43k
2019: €81k
2020: €97k
2021: €102k
2022: €94k
2023: €56k
2024: €43k
2019 → 2025
Net result
€-3k▲ 60.8%
2024 · €-8k
2019: €24k
2020: €18k
2021: €90
2022: €7k
2023: €-17k
2024: €-8k
2019 → 2025
Working capital
€4k▲ 39.1%
2024 · €3k
2019: €8k
2020: €-8k
2021: €-6k
2022: €6k
2023: €-7k
2024: €3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€41k▲ 21.8%€24k▼ 41.0%€17k▼ 31.4%€14k▼ 17.9%
Operating result€4k-€15k▲ 280%€-16k€-6k▲ 58.3%€-2k▲ 69.1%
Net result€90-€7k▲ 8,108%€-17k€-8k▲ 54.9%€-3k▲ 60.8%
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 €2k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25k
Fixed assets
€9k▼ 31.0%
Current assets
€15k▼ 48.9%
Equity and liabilities €25k
Equity
€14k▼ 17.9%
Debt
€11k▼ 59.1%
The debt ratio falls from 61.5% to 44.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €2k
Cash flow
€7k▲
2024 · €1k
Solvency
55.7%▲
2024 · 38.5%
Current ratio
1.40▲
2024 · 1.12
Quick ratio
1.40▲
2024 · 1.12
Debt / equity
0.79▼
2024 · 1.59
ROE
-21.9%▲
2024 · -45.7%
ROA
-12.2%▲
2024 · -17.6%
Interest coverage
42.57▲
2024 · 6.11
Debt
€11k▼
2024 · €27k
Debt ≤ 1 year
€11k▼
2024 · €27k
Income taxes
€843▲
2024 · €771
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€43k€25k▼
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€14k€9k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€10k€6k▼
Current assets29/58€30k€15k▼
Amounts receivable within one year40/41€17k€5k▼
Trade receivables40€17k€5k▼
Other amounts receivable41€105€13▼
Cash at bank and in hand54/58€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€43k€25k▼
Equity10/15€17k€14k▼
Contributions10/11€6k€6k=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-24k€-27k▼
Amounts payable17/49€27k€11k▼
Amounts payable within one year42/48€27k€11k▼
Current portion of amounts payable after more than one year42€745-
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€7k€7k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€13k€514▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€982€800▼
Non-recurring operating charges66A€3k-
Gross operating margin9900€7k€8k▲
Operating profit (loss)9901€-6k€-2k▲
Financial income75/76B€21€35▲
Recurring financial income75€21€35▲
Financial charges65/66B€381€177▼
Recurring financial charges65€381€177▼
Profit (loss) for the period before taxes9903€-7k€-2k▲
Income taxes67/77€771€843▲
Profit (loss) for the period9904€-8k€-3k▲
Profit (loss) for the period to be appropriated9905€-8k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-27k▼
Profit (loss) brought forward from the previous period14P€-17k€-24k▼
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
State Gazette act
Statutes amendment · Legal-form change · Resignations & appointmentsGeneral meeting · Statutes amendment · Capital8 facts ▸
State Gazette act
Statutes amendment · Legal-form change · Resignations & appointments
General meeting · Statutes amendment · Capital8 facts ▸
- General meeting, 16 mars 2026
- Statutes amendment
- Capital, €18.600
- Corporate purpose, l’activité de négoce commercial de cuisines aménagées, vérandas, salles de bains, abris de jardins, saunas, piscines, pool house, terrasses etc… Tous aménagemen…
- Director resignation, HOOGHE Jean-François (gérant)
- Director appointment, HOOGHE Jean-François (administrateur)
- Director discharge, HOOGHE Jean-François
- Mandate compensation, HOOGHE Jean-François
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-17k ▼329%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
21-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-03-2026
Resigned as Gérant
16-03-2026
Appointed as Director
Location & real-estate footprint
Registered office, Mouscron · 1 establishment unit since 2018
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.
Molenaarstraat(D) 347711 MouscronGround area
1,159 m²
Building footprint
162 m²
Parcel 54003T0708/00L002, Wallonia. Linked by address, not a title deed.
1 establishment unit
HOJEFA
since 20182.275.076.008
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54003T0708/00L002 | Wallonia | 1,159 m² | 1 · 162 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
ALL-LEASE
BE 0511.950.954
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GREENCAST
BE 0830.552.107
Antwerpen · Eq €14k
FABRIMEUBLE
BE 0422.647.113
Thuin · Eq €14k
MAISON FARES
BE 0647.513.107
Sint-Jans-Molenbeek · Eq €14k
CLAUDIA COLLECTIONS
BE 0717.627.675
Lier · Eq €14k
Of 2,610 companies in sector 47551 we hold annual accounts for 1,718. 784 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2018
Fiscal year end31-12
Activities, NACEBEL
47551Retail sale of household furniture
47591Retail trade
47522Retail trade
47527Retail trade
47559Retail sale of other household articles
47599Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.