HOLDA
ActiveSummary
HOLDA has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.88M and a net result of €-115k. Equity is shrinking by ~2.7% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability34=
Solvency63▼-2
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.04 in 2024; short-term debt: 58% and cash: 0% of total assets), and 61.6% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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 €-115k
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-02-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
28 d late
2023
29 d late
2022
on the day
2021
17 d late
2020
10 d late
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€2.88M▼ 3.8%
2024 · €2.99M
Total assets
€7.49M▼ 0.1%
2024 · €7.50M
Net result
€-115k▼ 20.9%
2024 · €-95k
Working capital
€-4.20M▼ 1.9%
2024 · €-4.12M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-6k=€-6k▲ 3.5%€-7k▼ 17.1%€-27k▼ 279%€-20k▲ 25.3%
Net result€328k=€-38k€-137k▼ 256%€-95k▲ 30.6%€-115k▼ 20.9%
Equity€3.31M=€3.22M▼ 2.5%€3.09M▼ 4.2%€2.99M▼ 3.1%€2.88M▼ 3.8%
Total assets€9.56M▲ 0.7%€8.87M▼ 7.2%€8.07M▼ 9.0%€7.50M▼ 7.1%€7.49M▼ 0.1%
Debt€6.30M▲ 1.8%€5.65M▼ 10.4%€4.99M▼ 11.7%€4.51M▼ 9.6%€4.61M▲ 2.4%
Working capital€-4.01M▼ 1.4%€-4.08M▼ 1.5%€-4.10M▼ 0.5%€-4.12M▼ 0.7%€-4.20M▼ 1.9%
Staff (FTE)000
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €20k in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €7.49M
Fixed assets
€7.34M =
Current assets
€145k ▼ 5.1%
Equity and liabilities €7.49M
Equity
€2.88M ▼ 3.8%
Debt
€4.61M ▲ 2.4%
Debt's share of the balance-sheet total rises from 60.1% to 61.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
0.03▼
2024 · 0.04
Debt to equity
1.60▲
2024 · 1.51
ROE
-4.0%▼
2024 · -3.2%
ROA
-1.5%▼
2024 · -1.3%
Debt ≤ 1 year
€4.35M▲
2024 · €4.28M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0 | - | - | - | - | - |
| Other operating charges640/8 | - | €1k | €1k | €2k | €1k | ▼ 5.5% |
| Gross operating margin9900 | €-5k | €-5k | €-6k | €-25k | €-19k | ▲ 26.6% |
| Operating profit (loss)9901 | €-6k | €-6k | €-7k | €-27k | €-20k | ▲ 25.3% |
| Financial income75/76B | - | €94k | €69k | €40k | €892 | ▼ 97.8% |
| Recurring financial income75 | €249k | €94k | €69k | €40k | €892 | ▼ 97.8% |
| Financial charges65/66B | - | €127k | €199k | €108k | €96k | ▼ 11.5% |
| Recurring financial charges65 | €171k | €127k | €131k | €108k | €96k | ▼ 11.5% |
| Non-recurring financial charges66B | - | - | €68k | €0 | - | - |
| Profit (loss) for the period before taxes9903 | €328k | €-38k | €-137k | €-95k | €-115k | ▼ 20.9% |
| Income taxes67/77 | €0 | - | - | - | - | - |
| Profit (loss) for the period9904 | €328k | €-38k | €-137k | €-95k | €-115k | ▼ 20.9% |
| Profit (loss) for the period to be appropriated9905 | €328k | €-38k | €-137k | €-95k | €-115k | ▼ 20.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €9.56M | €8.87M | €8.07M | €7.50M | €7.49M | ▼ 0.1% |
| Formation expenses20 | €0 | - | - | - | - | - |
| Fixed assets21/28 | €7.44M | €7.44M | €7.37M | €7.34M | €7.34M | = |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €7.44M | €7.44M | €7.37M | €7.34M | €7.34M | = |
| Current assets29/58 | €2.20M | €1.43M | €703k | €153k | €145k | ▼ 5.1% |
| Amounts receivable after more than one year29 | - | €1.35M | €597k | €0 | - | - |
| Other amounts receivable291 | - | €1.35M | €597k | €0 | - | - |
| Stocks and contracts in progress3 | €0 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €7k | €52k | €73k | €151k | €141k | ▼ 6.3% |
| Other amounts receivable41 | - | €52k | €73k | €151k | €141k | ▼ 6.3% |
| Current investments50/53 | €0 | - | - | - | - | - |
| Cash at bank and in hand54/58 | €326k | €24k | €9k | €147 | €2k | ▲ 1,184% |
| Deferred charges and accrued income490/1 | - | €12k | €25k | €2k | €2k | = |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €9.56M | €8.87M | €8.07M | €7.50M | €7.49M | ▼ 0.1% |
| Equity10/15 | €3.31M | €3.22M | €3.09M | €2.99M | €2.88M | ▼ 3.8% |
| Contributions10/11 | €6.11M | €6.11M | €6.11M | €6.11M | €6.11M | = |
| Capital10 | - | €6.11M | €6.11M | €6.11M | €6.11M | = |
| Issued capital100 | - | €6.11M | €6.11M | €6.11M | €6.11M | = |
| Outside capital11 | - | €407 | €407 | €407 | €407 | = |
| Share premium1100/10 | - | €407 | €407 | €407 | €407 | = |
| Reserves13 | €581k | €581k | €581k | €581k | €581k | = |
| Non-distributable reserves130/1 | - | €581k | €581k | €581k | €581k | = |
| Legal reserve130 | - | €581k | €581k | €581k | €581k | = |
| Profit (loss) carried forward14 | €-3.72M | €-3.47M | €-3.61M | €-3.70M | €-3.82M | ▼ 3.1% |
| Amounts payable17/49 | €6.30M | €5.65M | €4.99M | €4.51M | €4.61M | ▲ 2.4% |
| Amounts payable within one year42/48 | €6.22M | €5.51M | €4.80M | €4.28M | €4.35M | ▲ 1.6% |
| Trade debts44 | €988 | €868 | €1,000 | €12k | €5k | ▼ 62.3% |
| Suppliers440/4 | - | €868 | €1,000 | €12k | €5k | ▼ 62.3% |
| Other amounts payable47/48 | - | €5.51M | €4.80M | €4.26M | €4.34M | ▲ 1.8% |
| Accrued charges and deferred income492/3 | - | €139k | €187k | €230k | €268k | ▲ 16.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €328k | €-38k | €-137k | €-95k | €-115k | ▼ 20.9% |
| + Depreciation and write-downs630 | €0 | - | - | - | - | - |
| Operating cash flow (approximation) | €328k | €-38k | €-137k | €-95k | €-115k | ▼ 20.9% |
| Investment in fixed assets (approximation) | - | €0 | €68k | €25k | €0 | ▼ 100% |
| Change in cash | - | €-303k | €-14k | €-9k | €2k | ▲ 119% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
30-06
Financial
Weakest financial yearnet €-137k
Net result drops to €-137k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
17-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 17 days late
2021
10-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 10 days late
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Oudenaarde · 1 establishment unit since 1998
Ground area
1.1 ha
Building footprint
557 m²
Volume, LiDAR
4,167 m³
Parcel 45505A0249/00D000, Flanders · tallest building 18.5 m, ±2 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
HOLDA
since 19982.085.613.034
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45505A0249/00D000 | Flanders | 1.1 ha | 1 · 556 m² | 18.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPublic limited company
Founded29-01-1998
Fiscal year end30-06
Scores and ratios are computed by Checked and are not a credit decision.