HOLVOET & CO
ActiveThe computed 12-month bankruptcy probability of HOLVOET & CO is 2.1% (moderate). The 2025 annual accounts show equity of €5k and a net result of €3k. Equity is growing by ~30.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 18173 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+24
Solvency54▲+17
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · 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 →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
29 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▲ 119%
2024 · €2k
2023: €3k
2024: €2k
2023 → 2025
Total assets
€17k▼ 11.7%
2024 · €20k
2023: €24k
2024: €20k
2023 → 2025
Net result
€3k
2024 · €-813
2023: €-2k
2024: €-813
2023 → 2025
Working capital
€-8k▲ 35.4%
2024 · €-13k
2023: €-11k
2024: €-13k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€3k-€2k▼ 26.3%€5k▲ 119%
Operating result€-2k-€-352▲ 77.6%€3k
Net result€-2k-€-813▲ 57.3%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €352 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17k
Fixed assets
€13k▼ 20.8%
Current assets
€4k▲ 42.4%
Equity and liabilities €17k
Equity
€5k▲ 119%
Debt
€12k▼ 29.0%
The debt ratio falls from 88.4% to 71.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €4k
Cash flow
€8k▲
2024 · €4k
Solvency
28.9%▲
2024 · 11.6%
Current ratio
0.32▲
2024 · 0.18
Quick ratio
0.32▲
2024 · 0.18
Debt / equity
2.46▼
2024 · 7.60
ROE
54.4%▲
2024 · -35.6%
ROA
15.7%▲
2024 · -4.1%
Interest coverage
19.68▲
2024 · 9.34
Debt
€12k▼
2024 · €17k
Debt ≤ 1 year
€12k▼
2024 · €16k
Debt > 1 year
€0▼
2024 · €2k
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€20k€17k▼
Fixed assets21/28€17k€13k▼
Tangible fixed assets22/27€17k€13k▼
Plant, machinery and equipment23€17k€12k▼
Furniture and vehicles24-€1k
Current assets29/58€3k€4k▲
Amounts receivable within one year40/41€2k€2k=
Trade receivables40€2k€2k=
Other amounts receivable41€9€9=
Cash at bank and in hand54/58€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€20k€17k▼
Equity10/15€2k€5k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€-3k€11▲
Amounts payable17/49€17k€12k▼
Amounts payable after more than one year17€2k€0▼
Financial debts170/4€2k€0▼
Amounts payable within one year42/48€16k€12k▼
Current portion of amounts payable after more than one year42€3k€2k▼
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€81€220▲
Taxes450/3€81€220▲
Other amounts payable47/48€11k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€82€499▲
Gross operating margin9900€4k€9k▲
Operating profit (loss)9901€-352€3k▲
Financial charges65/66B€461€409▼
Recurring financial charges65€461€409▼
Profit (loss) for the period before taxes9903€-813€3k▲
Profit (loss) for the period9904€-813€3k▲
Profit (loss) for the period to be appropriated9905€-813€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€11▲
Profit (loss) brought forward from the previous period14P€-2k€-3k▼
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waregem · 1 establishment unit since 2023
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.
Gentseweg 328792 WaregemGround area
1,682 m²
Building footprint
342 m²
Volume, LiDAR
2,010 m³
Parcel 34010B0273/00Z000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HOLVOET & CO
since 20232.343.429.334
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010B0273/00Z000 | Flanders | 1,682 m² | 1 · 341 m² | 7.5 m · 2 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
Food safety, FASFC
1 siteWaregem2.343.429.334
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Of 3,829 companies in sector 47210 we hold annual accounts for 965. 405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-2023
Fiscal year end31-12
Activities, NACEBEL
47210Retail sale of fruit and vegetables
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:valerie@isabo.be
Phone:0486732032