HOVEA

Active

Private limited companyfounded 20251 yr activeKonijnenpijp 2, 3920 Lommel, BelgiumKBO/BCE: BE 1020.793.950

Summary

HOVEA has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,574 and a net result of €6,574. Its solvency ranks better than 44% of 5218 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).

Risk analysisWatch Report Compare

HOVEAActiveChecked score 67/100

Risk analysis Report Compare

Activity

Landscape service activities

NACE 81300

1 site

Size

€27,220total assets 2025

Equity: €9,574
Profit: €6,574

Turnover not published (abridged schema)

Financial health

67 Healthy Checked score 2025

Bankruptcy chance 12 m: 1.1%

Structure

Accounts 7 d early0 of 1 deed read

Why 67- Founded in 2025- Size: total assets €27,220- Sector Services to buildings and landscape activities (NACE 81)+ Liquidity: current ratio 1.62, cash €6,208Show the evidence

Checked score

Score 2025

67 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 63% of its sector peers (NACE 81, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength

Strong

Solvency 60

equity 35.2% of total assets

Liquidity 59

short-term debt 40.5% · cash 22.8%

Profitability 99

return on assets 24.2%

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 0.9% (7,599 companies)

Last 24 months 04-2026: 2.0% 05-2026: 2.0%▲ +2.6% vs 04-2026 06-2026: 2.0%▲ +2.0% vs 05-2026 07-2026: 2.5%▲ +22.6% vs 06-2026highest value 08-2026: 1.0%▼ -60.8% vs 07-2026lowest value 09-2026: 1.0%▲ +1.6% vs 08-2026 10-2026: 1.1%▲ +6.5% vs 09-2026

Founded in 2025 raises the probability for this profile
Liquidity: current ratio 1.62, cash €6,208 lowers the probability
Size: total assets €27,220 raises the probability for this profile
Sector Services to buildings and landscape activities (NACE 81) raises the probability

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 1.62; short-term debt: 40.5% and cash: 22.8% of total assets), but 64.8% 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 81, micro). Better than this share of them on solvency 43%, liquidity 62%, profitability 84%. 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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