HOVEMA
ActiveSummary
HOVEMA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.39M and a net result of €215k. Equity is shrinking by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-16
Solvency88▼-1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity short (current ratio 0.62 against 0.44 in 2024; short-term debt: 35.6% and cash: 8% of total assets), and 37.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.9%
Return on assets
9.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 10-12-2025, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
32 d early
2023
12 d early
2022
43 d early
2021
40 d early
2020
16 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.39M▲ 1.9%
2024 · €1.36M
2019: €1.86M
2020: €2.02M
2021: €2.01M
2022: €1.21M
2023: €1.33M
2024: €1.36M
2019 → 2025
Total assets
€2.21M▲ 4.5%
2024 · €2.11M
2019: €2.96M
2020: €3.02M
2021: €3.08M
2022: €2.83M
2023: €2.40M
2024: €2.11M
2019 → 2025
Net result
€215k▼ 19.6%
2024 · €267k
2019: €184k
2020: €155k
2021: €240k
2022: €-58k
2023: €354k
2024: €267k
2019 → 2025
Working capital
€-295k▲ 26.6%
2024 · €-401k
2019: €-267k
2020: €-62k
2021: €-21k
2022: €-434k
2023: €-265k
2024: €-401k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.01M-€1.21M▼ 40.1%€1.33M▲ 10.5%€1.36M▲ 2.2%€1.39M▲ 1.9%
Operating result€35k-€61k▲ 74.1%€104k▲ 71.4%€116k▲ 11.6%€59k▼ 49.2%
Net result€240k-€-58k€354k€267k▼ 24.4%€215k▼ 19.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.21M
Fixed assets
€1.72M ▼ 4.6%
Current assets
€491k ▲ 56.7%
Equity and liabilities €2.21M
Equity
€1.39M ▲ 1.9%
Provisions
€35k ▼ 5.9%
Debt
€786k ▲ 9.9%
Debt's share of the balance-sheet total rises from 33.8% to 35.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€142k▼
2024 · €172k
Cash flow
€297k▼
2024 · €323k
Current ratio
0.62▲
2024 · 0.44
Debt to equity
0.57▲
2024 · 0.52
ROE
15.5%▼
2024 · 19.6%
ROA
9.7%▼
2024 · 12.6%
Interest coverage
4.59▼
2024 · 6.40
Debt ≤ 1 year
€786k▲
2024 · €715k
Income taxes
€32k▼
2024 · €53k
Staff costs
€500
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.11M€2.21M▲
Fixed assets21/28€1.80M€1.72M▼
Tangible fixed assets22/27€1.39M€1.31M▼
Land and buildings22€1.28M€1.22M▼
Furniture and vehicles24€118k€91k▼
Financial fixed assets28€408k€408k=
Current assets29/58€313k€491k▲
Amounts receivable within one year40/41€200k€205k▲
Other amounts receivable41€200k€205k▲
Current investments50/53-€101k
Cash at bank and in hand54/58€103k€176k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€2.11M€2.21M▲
Equity10/15€1.36M€1.39M▲
Contributions10/11€74k€74k=
Capital10€74k€74k=
Issued capital100€74k€74k=
Reserves13€1.29M€1.31M▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€111k€107k▼
Distributable reserves133€1.17M€1.20M▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€37k€35k▼
Deferred taxes168€37k€35k▼
Amounts payable17/49€715k€786k▲
Amounts payable within one year42/48€715k€786k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€21k€22k▲
Taxes450/3€21k€22k▲
Other amounts payable47/48€689k€762k▲
Income statement
Code20242025
Non-recurring operating income76A€26k€0▼
Remuneration, social security and pensions62-€500
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€82k▲
Other operating charges640/8€13k€9k▼
Gross operating margin9900€184k€151k▼
Operating profit (loss)9901€116k€59k▼
Financial income75/76B€230k€217k▼
Recurring financial income75€230k€217k▼
Financial charges65/66B€27k€31k▲
Recurring financial charges65€27k€31k▲
Profit (loss) for the period before taxes9903€319k€245k▼
Transfer from deferred taxes780€2k€2k▲
Income taxes67/77€53k€32k▼
Profit (loss) for the period9904€267k€215k▼
Transfer from tax-exempt reserves789€5k€4k▼
Profit (loss) for the period to be appropriated9905€272k€219k▼
Appropriation of the result
Profit (loss) to be appropriated9906€272k€219k▼
Transfer from equity791/2€238k€189k▼
Transfer to equity691/2€272k€219k▼
To other reserves6921€272k€219k▼
Profit to be distributed694/7€238k€189k▼
Return on contributions (dividend)694€238k€189k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
10-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €354k
Net result €354k after one loss-making year.
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-58k ▼124%
Net result drops to €-58k, the lowest in the series; recovery starts the following year.
2021
22-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €2MEq €2.02M ▲8.3%
2 profitable years in a row build equity to €2.02M.
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
15-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Herentals · 1 establishment unit since 1996
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.
Slagveld(HRT) 52200 HerentalsGround area
867 m²
Building footprint
203 m²
Volume, LiDAR
1,126 m³
Parcel 13011A0252/00N003, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Slagveld(HRT) 5, 2200 Herentals
since 19962.047.051.871
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13011A0252/00N003 | Flanders | 867 m² | 1 · 203 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 680 EUR awarded · 680 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 680 EUR | 680 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 24,237 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-01-1990
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.