Checked.be
Active
BE 0432.068.880Private limited company
HOSTE
Albert I laan 46 ·8630 Veurne, Belgium· 38 yrs active
Sector: Renting and leasing of cars and light motor vehicles
(77110)
Conclusion
HOSTE has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €623k and a net result of €46k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 894 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Based on the State Gazette, CBE and 5 annual accounts.
Key figures
| Equity | €623k |
| Net result | €46k |
| Better than sector | 59% |
| Active | 38 yrs |
Financial profile
79
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
87
Profitability
37
Solvency
92
Growth
78
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Long-established
Founded in 1987, 38 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
87
/ 100
Excellent
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€55k
estimate, not credit advice
Score history
35
2021
76
2022
86
2023
74
2024
87
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 9.36 (≥ 1.5)
+10
Quick ratio
Quick ratio 4.93 (≥ 1.0)
+5
Leverage
Debt/equity 1.03 (< 2.0)
+3
Profitability
ROE 7%
+3
Interest coverage
Interest coverage 6.0× (≥ 3×)
+8
Profit trend
Net profit up YoY
+5
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 27-07-2026 with the NBB · fiscal year 2025 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~50% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 77, Rental and leasing activities · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 46.2% | 37.3% | |
| Net result | €46k | €19k | |
| Equity | €623k | €282k | |
| Gross operating margin | €123k | €183k | |
| Employees (FTE) | 0.0 | 2.2 |
€117k
+4.5%
21-25
€46k
+280.9%
21-25
€76k
+48.0%
21-25
€1.35M
-9.3%
21-25
€623k
+7.9%
21-25
€458k
+10.4%
21-25
0
-
21-25
€293
-
21-25
€26k
+200.0%
21-25
€0
-100.0%
21-25
€645k
-21.9%
21-25
€55k
-72.7%
21-25
€589k
-5.7%
21-25
9.36
+204.8%
21-25
4.93
+379.7%
21-25
46.2%
+19.0%
21-25
1.03
-27.6%
21-25
7.3%
+253.0%
21-25
3.4%
+320.0%
21-25
6.02
+203.8%
21-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - | - |
| EBITDA | €117k | €112k | €369k | €98k | €12k |
| Net profit | €46k | €12k | €278k | €44k | €-14k |
| Cash flow | €76k | €51k | €307k | €72k | €5k |
| Staff costs | - | - | - | - | €293 |
| Income taxes | €26k | €9k | €44k | €15k | - |
| Dividends | - | €0 | €140k | - | - |
| Total assets | €1.35M | €1.49M | €1.96M | €1.46M | €1.28M |
| Equity | €623k | €578k | €566k | €427k | €384k |
| Debt | €645k | €826k | €1.31M | €939k | €806k |
| of which ≤ 1y | €55k | €200k | €704k | €396k | €229k |
| of which > 1y | €589k | €624k | €605k | €542k | €578k |
| Working capital | €458k | €415k | €468k | €165k | €112k |
| Employees (FTE) | 0.0 | 0.0 | 0.0 | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 9.36 | 3.07 | 1.66 | 1.42 | 1.49 |
| Quick ratio | 4.93 | 1.03 | 0.89 | 0.45 | 0.65 |
| Working capital ratio | 34.0% | 27.9% | 23.8% | 11.3% | 8.8% |
| Solvency | 46.2% | 38.9% | 28.8% | 29.4% | 29.9% |
| Debt / equity | 1.03 | 1.43 | 2.32 | 2.20 | 2.10 |
| Long-term debt ratio | 0.95 | 1.08 | 1.07 | 1.27 | 1.50 |
| Interest coverage | 6.02 | 1.98 | 17.00 | 5.99 | 1.15 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 3.4% | 0.8% | 14.1% | 3.0% | -1.1% |
| ROE | 7.3% | 2.1% | 49.1% | 10.2% | -3.8% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (27 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €1.35M | €1.49M | €1.96M | €1.46M | €1.28M |
| Fixed assets | 21/28 | €835k | €871k | €789k | €893k | €939k |
| Formation expenses | 20 | €0 | €352 | €738 | €1k | €2k |
| Intangible fixed assets | 21 | €507 | €1k | €2k | €3k | €2k |
| Tangible fixed assets | 22/27 | €835k | €870k | €787k | €890k | €937k |
| Current assets | 29/58 | €513k | €615k | €1.17M | €562k | €341k |
| Stocks & contracts in progress | 3 | €243k | €409k | €546k | €385k | €193k |
| Amounts receivable within one year | 40/41 | €134k | €56k | €49k | €78k | €79k |
| Cash & bank | 54/58 | €132k | €142k | €564k | €75k | €64k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.35M | €1.49M | €1.96M | €1.46M | €1.28M |
| Equity | 10/15 | €623k | €578k | €566k | €427k | €384k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €605k | €559k | €547k | €409k | €365k |
| Accumulated profits (losses) | 14 | - | €0 | €0 | - | - |
| Provisions & deferred taxes | 16 | €80k | €83k | €86k | €89k | €92k |
| Amounts payable | 17/49 | €645k | €826k | €1.31M | €939k | €806k |
| Amounts payable after one year | 17 | €589k | €624k | €605k | €542k | €578k |
| Amounts payable within one year | 42/48 | €55k | €200k | €704k | €396k | €229k |
| Trade debts payable within one year | 44 | €3k | €10k | €10k | €2k | €4k |
| Income statement | ||||||
| Gross operating margin | 9900 | €123k | €118k | €382k | €103k | €22k |
| Operating result | 9901 | €87k | €73k | €340k | €70k | €-7k |
| Financial income | 75 | €786 | €1k | €546 | €2k | €1k |
| Financial charges | 65 | €20k | €57k | €22k | €16k | €11k |
| Result before taxes | 9903 | €69k | €18k | €319k | €56k | €-17k |
| Income taxes | 67/77 | €26k | €9k | €44k | €15k | - |
| Net result for the period | 9904 | €46k | €12k | €278k | €44k | €-14k |
| Result to be appropriated | 9905 | €52k | €19k | €284k | €50k | €-9k |
Legal Structure
| NACE primary | Renting and leasing of cars and light motor vehicles(77110) |
| Legal form | Private limited company(610) |
| Incorporation | 22-09-1987 |
| Status | Active |
| Postal code | 8630 |
Establishment units
Northsea Motorhomes
since 19872.031.176.733
Real-estate footprint
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38024A0040/00F000 | Flanders | 2,074 m² | 1 · 699 m² | 7.2 m · 2 fl. |
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.
Updates
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity triplescurrent ratio 9.36
Current ratio from 3.07 to 9.36; short-term debt falls from €200k to €55k.
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2021net €278k ▲538%
Operating result €340k, net result €278k, both a record.
31-12
Financial
Equity above €500kEq €566k ▲32.3%
2 profitable years in a row build equity to €566k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
23-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
22-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 22 days late
2019
17-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 17 days late
2018
07-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 38 days late
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Retail sale of cars and light vans (up to 3.5 tonnes)4781150103Renting and leasing of cars and light motor vehicles77110Rental and leasing activities77393General maintenance and repair of cars and light vans (up to 3.5 tonnes)95311
Names & trade names
| Legal nameNL | HOSTE |
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