HOLVE
ActiveSummary
HOLVE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110.91M and a net result of €5.84M. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 80% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability26▼-31
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2M at 30 days acceptable
Liquidity tight (current ratio 1.13 against 1.29 in 2024; short-term debt: 14.6% and cash: 0.3% of total assets), and 15.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.8%
Return on assets
4.5%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
12 d early
2022
5 d early
2021
32 d early
2020
on the day
2019
24 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€110.91M▲ 5.6%
2024 · €105.08M
2018: €64.81M
2019: €64.76M
2020: €63.68M
2021: €78.92M
2022: €81.82M
2023: €84.89M
2024: €105.08M
2018 → 2025
Total assets
€130.81M▲ 1.3%
2024 · €129.07M
2018: €65.37M
2019: €66.29M
2020: €66.73M
2021: €82.19M
2022: €88.36M
2023: €90.01M
2024: €129.07M
2018 → 2025
Net result
€5.84M▼ 71.8%
2024 · €20.68M
2018: €1.10M
2019: €-47k
2020: €-1.08M
2021: €15.25M
2022: €2.89M
2023: €3.43M
2024: €20.68M
2018 → 2025
Working capital
€2.54M▼ 35.7%
2024 · €3.94M
2018: €63.32M
2019: €33.26M
2020: €31.58M
2021: €47.00M
2022: €48.99M
2023: €51.86M
2024: €3.94M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78.92M-€81.82M▲ 3.7%€84.89M▲ 3.8%€105.08M▲ 23.8%€110.91M▲ 5.6%
Operating result€163k-€134k▼ 17.4%€-25k€1.68M€239k▼ 85.8%
Net result€15.25M-€2.89M▼ 81.0%€3.43M▲ 18.4%€20.68M▲ 504%€5.84M▼ 71.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 86% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130.81M
Fixed assets
€109.16M ▼ 2.3%
Current assets
€21.66M ▲ 24.6%
Equity and liabilities €130.81M
Equity
€110.91M ▲ 5.6%
Debt
€19.90M ▼ 17.1%
Debt's share of the balance-sheet total falls from 18.6% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€240k▼
2024 · €1.68M
Cash flow
€5.84M▼
2024 · €20.68M
Current ratio
1.13▼
2024 · 1.29
Debt to equity
0.18▼
2024 · 0.23
ROE
5.3%▼
2024 · 19.7%
ROA
4.5%▼
2024 · 16.0%
Interest coverage
0.24▼
2024 · 2.20
Debt ≤ 1 year
€19.12M▲
2024 · €13.44M
Debt > 1 year
€0▼
2024 · €9.75M
Income taxes
€142k▼
2024 · €297k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€129.07M€130.81M▲
Fixed assets21/28€111.69M€109.16M▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€111.69M€109.15M▼
Current assets29/58€17.38M€21.66M▲
Amounts receivable after more than one year29€167k€167k=
Other amounts receivable291€167k€167k=
Amounts receivable within one year40/41€6.72M€7.24M▲
Trade receivables40€52k€258▼
Other amounts receivable41€6.66M€7.24M▲
Current investments50/53€8.67M€13.78M▲
Cash at bank and in hand54/58€1.83M€380k▼
Deferred charges and accrued income490/1€2k€90k▲
Equity and liabilities
Total equity and liabilities10/49€129.07M€130.81M▲
Equity10/15€105.08M€110.91M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€104.98M€110.81M▲
Non-distributable reserves130/1€194k€194k=
Legal reserve130€194k€194k=
Distributable reserves133€104.78M€110.62M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€24.00M€19.90M▼
Amounts payable after more than one year17€9.75M€0▼
Financial debts170/4€9.75M€0▼
Amounts payable within one year42/48€13.44M€19.12M▲
Trade debts44€2k€605k▲
Suppliers440/4€2k€605k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€13.44M€18.52M▲
Accrued charges and deferred income492/3€808k€780k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€966€997▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-1.27M€0▲
Other operating charges640/8€362€126▼
Gross operating margin9900€410k€240k▼
Operating profit (loss)9901€1.68M€239k▼
Financial income75/76B€20.06M€7.69M▼
Recurring financial income75€8.93M€7.69M▼
Non-recurring financial income76B€11.13M€0▼
Financial charges65/66B€763k€1.95M▲
Recurring financial charges65€763k€992k▲
Non-recurring financial charges66B-€954k
Profit (loss) for the period before taxes9903€20.98M€5.98M▼
Income taxes67/77€297k€142k▼
Profit (loss) for the period9904€20.68M€5.84M▼
Profit (loss) for the period to be appropriated9905€20.68M€5.84M▼
Appropriation of the result
Profit (loss) to be appropriated9906€20.68M€5.84M▼
Transfer to equity691/2€20.18M€5.84M▼
To other reserves6921€20.18M€5.84M▼
Profit to be distributed694/7€500k€0▼
Directors or managers695€500k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €20.68M ▲504%
Operating result €1.68M, net result €20.68M, both a record.
30-09
Financial
Equity above €100MEq €105.08M ▲23.8%
4 profitable years in a row build equity to €105.08M.
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Back to profitnet €15.25M
Net result €15.25M after 2 loss-making years.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €-1.08M
Net result drops to €-1.08M, the lowest in the series; recovery starts the following year.
06-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Roeselare · 1 establishment unit since 2001
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.
Vlaanderenstraat 28800 RoeselareGround area
3,352 m²
Building footprint
257 m²
Volume, LiDAR
1,835 m³
Parcel 36505C0985/00H000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOLVE
since 20012.097.939.160
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505C0985/00H000 | Flanders | 3,352 m² | 1 · 257 m² | 10.2 m · 3 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
96760001WEM0HG7W2854
Similar companies · same sector, comparable size
PROJECTIVE HOLDING
BE 0786.786.893
Machelen (Brab.) · Eq €111.42M
BEVAFIN
BE 0864.616.527
Elsene · Eq €110.11M
Romulus en Remus
BE 0885.967.019
Antwerpen · Eq €112.13M
DE POPULIER
BE 0455.571.089
Zoersel · Eq €108.79M
VEHO
BE 0448.186.916
Izegem · Eq €108.77M
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 1,039 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-01-2001
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.