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Private limited companyfounded 20197 yrs activeVilstraat 27, 3511 Hasselt, BelgiumKBO/BCE: BE 0719.542.535
Summary

HOTI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €110,914 and a net result of €12,420. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 8074 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-07-2026, 26 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
26 d early
2024
25 d late
2023
12 d early
2022
39 d early
2021
24 d early
2020
3 d early
2019
6 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
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

History

HOTI was incorporated on 29 January 2019.1 Total assets rose from EUR 26,986 in 2019 to EUR 132,790 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€110,914▲ 12.6%
2024 · €98,494
Net result
€12,420▼ 55.6%
2024 · €27,996
Total assets
€132,790▲ 15.4%
2024 · €115,072
Solvency
83.5%▼ 2.1pp
2024 · 85.6%
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€25,351€24,768▼ 2.3%€26,963▲ 8.9%€42,281▲ 56.8%€17,578▼ 58.4%
Net result€18,331€17,398▼ 5.1%€19,182▲ 10.3%€27,996▲ 45.9%€12,420▼ 55.6%
Equity€33,918▲ 118%€51,316▲ 51.3%€70,498▲ 37.4%€98,494▲ 39.7%€110,914▲ 12.6%
Total assets€51,083▲ 127%€75,432▲ 47.7%€88,782▲ 17.7%€115,072▲ 29.6%€132,790▲ 15.4%
Debt€17,165▲ 147%€24,116▲ 40.5%€18,284▼ 24.2%€16,578▼ 9.3%€21,876▲ 32.0%
Working capital€32,264▲ 112%€49,880▲ 54.6%€70,036▲ 40.4%€98,253▲ 40.3%€110,794▲ 12.8%
Solvency66.4%▼ 2.7pp68.0%▲ 1.6pp79.4%▲ 11.4pp85.6%▲ 6.2pp83.5%▼ 2.1pp
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€20,000€40,000Operating result 2021: €25,351€25,351Net result 2021: €18,331€18,331Operating result 2022: €24,768€24,768Net result 2022: €17,398€17,398Operating result 2023: €26,963€26,963Net result 2023: €19,182€19,182Operating result 2024: €42,281€42,281Net result 2024: €27,996€27,996Operating result 2025: €17,578€17,578Net result 2025: €12,420€12,42020212022202320242025€0€20,000€40,000Operating result 2023: €26,963€27,000Net result 2023: €19,182€19,200Operating result 2024: €42,281€42,300Net result 2024: €27,996€28,000Operating result 2025: €17,578€17,600Net result 2025: €12,420€12,400202320242025
The operating result falls in 2025; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132,790
Fixed assets €120 ▼ 50.0%
Current assets €132,669 ▲ 15.5%
Equity and liabilities €132,790
Equity €110,914 ▲ 12.6%
Debt €21,876 ▲ 32.0%
Debt's share of the balance-sheet total rises from 14.4% to 16.5%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
11.2%▼
2024 · 28.4%
ROA
9.4%▼
2024 · 24.3%
Debt ≤ 1 year
€21,876▲
2024 · €16,578
Income taxes
€5,108▼
2024 · €14,214
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet Code20242025
Assets
Total assets20/58€115,072€132,790▲
Fixed assets21/28€241€120▼
Tangible fixed assets22/27€241€120▼
Plant, machinery and equipment23€241€120▼
Current assets29/58€114,831€132,669▲
Amounts receivable after more than one year29€14,000€14,000=
Other amounts receivable291€14,000€14,000=
Amounts receivable within one year40/41€65,423€99,609▲
Trade receivables40€65,373€89,540▲
Other amounts receivable41€50€10,069▲
Cash at bank and in hand54/58€35,408€19,056▼
Deferred charges and accrued income490/1-€4
Equity and liabilities
Total equity and liabilities10/49€115,072€132,790▲
Equity10/15€98,494€110,914▲
Contributions10/11€6,200€6,200=
Reserves13€82,907€95,327▲
Distributable reserves133€82,907€95,327▲
Profit (loss) carried forward14€9,387€9,387=
Amounts payable17/49€16,578€21,876▲
Amounts payable within one year42/48€16,578€21,876▲
Trade debts44€957€1,035▲
Suppliers440/4€957€1,035▲
Taxes, remuneration and social security45€15,120€20,589▲
Taxes450/3€15,120€20,589▲
Other amounts payable47/48€501€252▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€221€120▼
Other operating charges640/8€62€62=
Gross operating margin9900€42,564€17,760▼
Operating profit (loss)9901€42,281€17,578▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€71€50▼
Recurring financial charges65€71€50▼
Profit (loss) for the period before taxes9903€42,210€17,528▼
Income taxes67/77€14,214€5,108▼
Profit (loss) for the period9904€27,996€12,420▼
Profit (loss) for the period to be appropriated9905€27,996€12,420▼
Appropriation of the result
Profit (loss) to be appropriated9906€37,383€21,807▼
Profit (loss) brought forward from the previous period14P€9,387€9,387=
Transfer to equity691/2€27,996€12,420▼
To other reserves6921€27,996€12,420▼

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€364€820€482€221€120▼ 45.6%
Other operating charges640/8€117€119€126€62€62=
Non-recurring operating charges66A--€492---
Gross operating margin9900€25,832€25,707€28,062€42,564€17,760▼ 58.3%
Operating profit (loss)9901€25,351€24,768€26,963€42,281€17,578▼ 58.4%
Financial income75/76B---€0--
Recurring financial income75---€0--
Financial charges65/66B€57€92€41€71€50▼ 30.3%
Recurring financial charges65€57€92€41€71€50▼ 30.3%
Profit (loss) for the period before taxes9903€25,294€24,676€26,922€42,210€17,528▼ 58.5%
Income taxes67/77€6,962€7,279€7,740€14,214€5,108▼ 64.1%
Profit (loss) for the period9904€18,331€17,398€19,182€27,996€12,420▼ 55.6%
Profit (loss) for the period to be appropriated9905€18,331€17,398€19,182€27,996€12,420▼ 55.6%
Line20212022202320242025Change
Assets
Total assets20/58€51,083€75,432€88,782€115,072€132,790▲ 15.4%
Fixed assets21/28€1,654€1,436€462€241€120▼ 50.0%
Tangible fixed assets22/27€1,654€1,436€462€241€120▼ 50.0%
Plant, machinery and equipment23€947€1,032€361€241€120▼ 50.0%
Furniture and vehicles24€707€404€101---
Current assets29/58€49,429€73,996€88,320€114,831€132,669▲ 15.5%
Amounts receivable after more than one year29---€14,000€14,000=
Other amounts receivable291---€14,000€14,000=
Amounts receivable within one year40/41€29,406€39,325€53,763€65,423€99,609▲ 52.3%
Trade receivables40€29,385€39,325€49,457€65,373€89,540▲ 37.0%
Other amounts receivable41€22-€4,306€50€10,069▲ 20,039%
Cash at bank and in hand54/58€20,023€34,671€34,557€35,408€19,056▼ 46.2%
Deferred charges and accrued income490/1----€4-
Equity and liabilities
Total equity and liabilities10/49€51,083€75,432€88,782€115,072€132,790▲ 15.4%
Equity10/15€33,918€51,316€70,498€98,494€110,914▲ 12.6%
Contributions10/11€6,200€6,200€6,200€6,200€6,200=
Reserves13€18,331€35,729€54,911€82,907€95,327▲ 15.0%
Distributable reserves133€18,331€35,729€54,911€82,907€95,327▲ 15.0%
Profit (loss) carried forward14€9,387€9,387€9,387€9,387€9,387=
Amounts payable17/49€17,165€24,116€18,284€16,578€21,876▲ 32.0%
Amounts payable within one year42/48€17,165€24,116€18,284€16,578€21,876▲ 32.0%
Trade debts44€412€471€1,993€957€1,035▲ 8.2%
Suppliers440/4€412€471€1,993€957€1,035▲ 8.2%
Taxes, remuneration and social security45€14,465€22,521€14,998€15,120€20,589▲ 36.2%
Taxes450/3€13,145€21,179€13,302€15,120€20,589▲ 36.2%
Remuneration and social security454/9€1,321€1,341€1,696---
Other amounts payable47/48€2,288€1,124€1,293€501€252▼ 49.7%
Line20212022202320242025Change
Profit (loss) for the period9904€18,331€17,398€19,182€27,996€12,420▼ 55.6%
+ Depreciation and write-downs630€364€820€482€221€120▼ 45.6%
Operating cash flow (approximation)€18,695€18,218€19,664€28,217€12,540▼ 55.6%
Investment in fixed assets (approximation)--€602€492€0€0-
Change in cash-€14,648-€114€851-€16,352▼ 2,022%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
05-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Equity above €100,000Eq €110,914 ▲12.6%
5 profitable years in a row build equity to €110,914.
25-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial Highest result since 2019net €27,996 ▲45.9%
Operating result €42,281, net result €27,996, both a record.
19-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
07-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €18,331
Net result €18,331 after one loss-making year.
28-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial Weakest financial yearnet -€889
Net result drops to -€889, the lowest in the series; recovery starts the following year.
06-08
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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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, Hasselt · 1 establishment unit since 2019
seat establishment The establishment unit on the map
Ground area
552 m²
Building footprint
146 m²
Volume, LiDAR
36 m³
Parcel 71032B0613/00G002, Flanders · tallest building 8.5 m. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
HOTI
Vilstraat 27, 3511 HasseltFinancial service activities, except insurance and pension funding
since 20192.285.507.565
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71032B0613/00G002 Flanders 552 m² 1 · 146 m² 8.5 m
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 12,563 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded29-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Contact
E-mail tim@hoodandtell.beHasselt
Phone 0473601856Hasselt
E-invoicing
Reachable via Peppol
Peppol ID 0208:0719542535
Also 9925:BE0719542535
Registered 18-11-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.