Hoorpunt
ActiveThe computed 12-month bankruptcy probability of Hoorpunt is 3.3% (moderate). The 2024 annual accounts show negative equity (€-57k) and a net result of €-45k. Equity is shrinking by ~51.3% per year across the filed fiscal years. Its solvency ranks better than 12% of 26046 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0▼-100
Solvency0▼-18
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
3.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.85 against 1.2 in 2023; short-term debt: 101% and cash: 64.3% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2024Solvency, return and age of the figures
Solvency
-57.6%
Return on assets
-46.3%
Age of the figures
21 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 · 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 · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
2021222324
2020 to 2024 · latest year €-57k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
26 d early
2022
4 d early
2021
31 d late
2020
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-57k▼ 407%
2023 · €-11k
2020: €46k
2021: €24k
2022: €-49k
2023: €-11k
2020 → 2024
Total assets
€98k▼ 35.3%
2023 · €152k
2020: €295k
2021: €252k
2022: €193k
2023: €152k
2020 → 2024
Net result
€-45k
2023 · €37k
2020: €646
2021: €-21k
2022: €-73k
2023: €37k
2020 → 2024
Working capital
€-15k
2023 · €18k
2020: €-3k
2021: €-5k
2022: €-49k
2023: €18k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€46k-€24k▼ 46.6%€-49k€-11k▲ 77.0%€-57k▼ 407%
Operating result€8k-€-15k€-67k▼ 333%€42k€-41k
Net result€646-€-21k€-73k▼ 242%€37k€-45k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €41k after €42k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €97k
Fixed assets
€13k▼ 61.2%
Current assets
€84k▼ 24.3%
Key figures and ratios
EBITDA
€-9k▼
2023 · €85k
Cash flow
€-13k▼
2023 · €80k
Solvency
-57.6%▼
2023 · -7.4%
Current ratio
0.85▼
2023 · 1.20
Quick ratio
0.85▼
2023 · 1.20
Debt / equity
-2.74▲
2023 · -14.60
ROA
-46.3%▼
2023 · 24.6%
Interest coverage
-2.22▼
2023 · 18.47
Debt
€155k▼
2023 · €163k
Debt ≤ 1 year
€99k▲
2023 · €93k
Debt > 1 year
€56k▼
2023 · €69k
Income taxes
€226▲
2023 · €226
Staff costs
€47k▲
2023 · €41k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€152k€98k▼
Formation expenses20€7k€889▼
Fixed assets21/28€33k€13k▼
Intangible fixed assets21€25k€477▼
Tangible fixed assets22/27€8k€10k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€4k
Other tangible fixed assets26€6k€5k▼
Financial fixed assets28-€2k
Current assets29/58€111k€84k▼
Amounts receivable within one year40/41€42k€15k▼
Trade receivables40€27k€14k▼
Other amounts receivable41€15k€2k▼
Cash at bank and in hand54/58€67k€63k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€152k€98k▼
Equity10/15€-11k€-57k▼
Contributions10/11€45k€45k=
Profit (loss) carried forward14€-56k€-102k▼
Amounts payable17/49€163k€155k▼
Amounts payable after more than one year17€69k€56k▼
Financial debts170/4€69k€56k▼
Amounts payable within one year42/48€93k€99k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€28k€26k▼
Suppliers440/4€28k€26k▼
Advances received on contracts in progress46€3k€5k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€722€2k▲
Remuneration and social security454/9€11k€11k▲
Other amounts payable47/48€38k€41k▲
Accrued charges and deferred income492/3€372€16▼
Income statement
Code20232024
Non-recurring operating income76A€60k€0▼
Remuneration, social security and pensions62€41k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€33k▼
Other operating charges640/8€62k€2k▼
Non-recurring operating charges66A€8k€0▼
Gross operating margin9900€197k€40k▼
Operating profit (loss)9901€42k€-41k▼
Financial income75/76B€116€282▲
Recurring financial income75€116€282▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€38k€-45k▼
Income taxes67/77€226€226▲
Profit (loss) for the period9904€37k€-45k▼
Profit (loss) for the period to be appropriated9905€37k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-56k€-102k▼
Profit (loss) brought forward from the previous period14P€-94k€-56k▲
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €37k
Net result €37k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-73k
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Zutendaal · 1 establishment unit since 2019
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.
Noordlaan 743690 ZutendaalGround area
2,497 m²
Building footprint
435 m²
Volume, LiDAR
1,828 m³
2 parcels, Flanders · tallest building 13.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Oraphon Tongeren
since 20192.294.714.350
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067A0029/00R000 | Flanders | 1,897 m² | 1 · 227 m² | - |
| 73083C0572/00C000 | Flanders | 600 m² | 1 · 208 m² | 13.8 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,070 companies in sector 47741 we hold annual accounts for 644. 339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-09-2019
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
33130Repair, maintenance and installation of machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.