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HOPE 21

Active
Public limited companyfounded 199432 yrs activeChemin des Peupliers 21, 7800 Ath, BelgiumKBO/BCE: BE 0453.334.052
Summary

HOPE 21 has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.2m and a net result of -€126,460. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 4837 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch ReportCompare
HOPE 21ActiveChecked score 65/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311NACE 70311
#6 company by equity in Ath, Real estate sector1 site
Size
€1.5mtotal assets 2024
Equity
€1.2m
Loss
-€126,460
Financial health
65 Healthy Checked score 2024
Bankruptcy chance 12 m
1.1%
Structure
Holdings
1
Accounts 64 d overdue0 of 3 deeds read
Why 65- Liquidity: current ratio 2.69, cash €7,756, halved- Figures for FY 2024 (filed 02-10-2025)- 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late- Loss of €126,460 (FY 2024)Show the evidence

Checked score

Score 2024
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 42% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Average
Solvency 100+29
equity 79.2% of total assets
Liquidity 44+5
short-term debt 20.1% · cash 0.5%
Profitability 8-65
return on assets -8.5%
Bankruptcy probability, 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: < 0.1%● 0.0% vs 11-2024lowest value 01-2025: < 0.1%● 0.0% vs 12-2024lowest value 02-2025: < 0.1%● 0.0% vs 01-2025lowest value 03-2025: < 0.1%▲ +11.4% vs 02-2025 04-2025: < 0.1%▲ +2.0% vs 03-2025 05-2025: 0.1%▲ +10.0% vs 04-2025 06-2025: 0.1%▲ +10.9% vs 05-2025 07-2025: 0.1%▲ +59.0% vs 06-2025 08-2025: 0.2%▲ +78.4% vs 07-2025 09-2025: 0.2%▲ +8.7% vs 08-2025 10-2025: 0.3%▲ +41.5% vs 09-2025 11-2025: 0.7%▲ +154% vs 10-2025 12-2025: 0.7%● 0.0% vs 11-2025 01-2026: 0.7%▼ -0.6% vs 12-2025 02-2026: 0.7%● 0.0% vs 01-2026 03-2026: 0.7%▼ -0.9% vs 02-2026 04-2026: 0.7%▲ +1.1% vs 03-2026 05-2026: 0.6%▼ -6.1% vs 04-2026 06-2026: 0.6%▼ -9.7% vs 05-2026 07-2026: 0.6%▲ +1.9% vs 06-2026 08-2026: 0.9%▲ +52.0% vs 07-2026 09-2026: 0.9%▼ -1.8% vs 08-2026 10-2026: 1.1%▲ +27.9% vs 09-2026highest value
  • Liquidity: current ratio 2.69, cash €7,756, halved raises the probability
  • Figures for FY 2024 (filed 02-10-2025) raises the probability
  • 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late raises the probability
  • Loss of €126,460 (FY 2024) raises the probability
Credit up to €75,000 at 30 days acceptable
Liquidity ample (current ratio 2.69 against 1.41 in 2023; short-term debt: 20.1% and cash: 0.5% of total assets), and 20.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 91%, liquidity 38%, profitability 12%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Liquidity: current ratio 2.69, cash €7,756, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Figures for FY 2024 (filed 02-10-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · 1 financial year not filed after the legal deadline; latest accounts 61 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Loss of €126,460 (FY 2024)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 filings
Deviation from the deadline
2025
not confirmed
2024
61 d late
2023
30 d late
2022
31 d late
2021
2 d late
2020
90 d late
2019
34 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 41 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2024 · full…
  2. Weakest financial yearnet -€126,460
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Caution: From profit to loss in 2024after €94,587 in 2023 -€126,460 View
  • Caution: Among the weakest 15% on net resultsector median €10,913 · 4,850 companies -€126,460 View
  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View

By topic

Financials

Fiscal year
2024
Total assets
€1.5m
Loss
-€126,460
Solvency
79.2%
Total assets▼ 48.0%
Net result
20182024
Go to Financials

Timeline

Events
13
Since
2016
  1. 30-09-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 30-08-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Real estate agency activitiesNACE 68310
Founded
24-08-1994
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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