HOVERA
ActiveSummary
HOVERA has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €218. Equity is shrinking by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 11389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability44▲+33
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
20 d late
2024
51 d early
2023
47 d early
2022
41 d early
2021
62 d early
2020
57 d early
2019
59 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k▲ 3.3%
2024 · €7k
2018: €9k
2019: €9k▲ +6.5% vs 2018highest in 8 years
2020: €9k▼ -2.0% vs 2019
2021: €8k▼ -12.0% vs 2020
2022: €7k▼ -7.9% vs 2021
2023: €8k▲ +1.9% vs 2022
2024: €7k▼ -11.0% vs 2023lowest in 8 years
2025: €7k▲ +3.3% vs 2024
2018 → 2025
Total assets
€8k▲ 1.2%
2024 · €8k
2018: €9k
2019: €9k▲ +5.9% vs 2018highest in 8 years
2020: €9k▼ -3.2% vs 2019
2021: €8k▼ -7.0% vs 2020
2022: €9k▲ +1.4% vs 2021
2023: €8k▼ -12.4% vs 2022lowest in 8 years
2024: €8k▲ +4.0% vs 2023
2025: €8k▲ +1.2% vs 2024
2018 → 2025
Net result
€218
2024 · €-826
2018: €-9klowest in 8 years
2019: €568▲ +107% vs 2018highest in 8 years
2020: €-185▼ -133% vs 2019
2021: €-1k▼ -490% vs 2020
2022: €-631▲ +42.3% vs 2021
2023: €140▲ +122% vs 2022
2024: €-826▼ -690% vs 2023
2025: €218▲ +126% vs 2024
2018 → 2025
Working capital
€7k▲ 3.3%
2024 · €7k
2018: €9khighest value
2019: €9k▼ -1.9% vs 2018
2021: €8k
2022: €7k▼ -7.9% vs 2021
2024: €7klowest value
2025: €7k▲ +3.3% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€7k▼ 7.9%€8k▲ 1.9%€7k▼ 11.0%€7k▲ 3.3%
2021: €8khighest in 5 years
2022: €7k▼ -7.9% vs 2021
2023: €8k▲ +1.9% vs 2022
2024: €7k▼ -11.0% vs 2023lowest in 5 years
2025: €7k▲ +3.3% vs 2024
Operating result€-955-€-592▲ 38.0%€-231▲ 60.9%€-1k▼ 431%€-141▲ 88.5%
2021: €-955
2022: €-592▲ +38.0% vs 2021
2023: €-231▲ +60.9% vs 2022
2024: €-1k▼ -431% vs 2023lowest in 5 years
2025: €-141▲ +88.5% vs 2024highest in 5 years
Net result€-1k-€-631▲ 42.3%€140€-826€218
2021: €-1klowest in 5 years
2022: €-631▲ +42.3% vs 2021
2023: €140▲ +122% vs 2022
2024: €-826▼ -690% vs 2023
2025: €218▲ +126% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €141 in 2025 against €1k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €8k
Equity
€7k ▲ 3.3%
Debt
€1k ▼ 11.2%
Debt's share of the balance-sheet total falls from 14.4% to 12.6%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
7.93▲
2024 · 6.96
Debt to equity
0.14▼
2024 · 0.17
ROE
3.2%▲
2024 · -12.3%
ROA
2.8%▲
2024 · -10.5%
Debt ≤ 1 year
€1k▼
2024 · €1k
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 · 29 lines
Balance sheet
Code20242025
Assets
Total assets20/58€8k€8k▲
Current assets29/58€8k€8k▲
Amounts receivable within one year40/41€7k€8k▲
Other amounts receivable41€7k€8k▲
Cash at bank and in hand54/58€564€253▼
Equity and liabilities
Total equity and liabilities10/49€8k€8k▲
Equity10/15€7k€7k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-1k€-1k▲
Amounts payable17/49€1k€1k▼
Amounts payable within one year42/48€1k€1k▼
Trade debts44€126-
Suppliers440/4€126-
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Other operating charges640/8€391€141▼
Gross operating margin9900€-836-
Operating profit (loss)9901€-1k€-141▲
Financial income75/76B€444€404▼
Recurring financial income75€444€404▼
Financial charges65/66B€44€45▲
Recurring financial charges65€44€45▲
Profit (loss) for the period before taxes9903€-826€218▲
Profit (loss) for the period9904€-826€218▲
Profit (loss) for the period to be appropriated9905€-826€218▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-1k▲
Profit (loss) brought forward from the previous period14P€-525€-1k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €366 | - | - | - | - | - |
| Other operating charges640/8 | €186 | €187 | €75 | €391 | €141 | ▼ 64.0% |
| Gross operating margin9900 | €-402 | €-405 | €-156 | €-836 | - | - |
| Operating profit (loss)9901 | €-955 | €-592 | €-231 | €-1k | €-141 | ▲ 88.5% |
| Financial income75/76B | - | - | €410 | €444 | €404 | ▼ 9.1% |
| Recurring financial income75 | - | - | €410 | €444 | €404 | ▼ 9.1% |
| Financial charges65/66B | €138 | €39 | €39 | €44 | €45 | ▲ 3.4% |
| Recurring financial charges65 | €138 | €39 | €39 | €44 | €45 | ▲ 3.4% |
| Profit (loss) for the period before taxes9903 | €-1k | €-631 | €140 | €-826 | €218 | ▲ 126% |
| Profit (loss) for the period9904 | €-1k | €-631 | €140 | €-826 | €218 | ▲ 126% |
| Profit (loss) for the period to be appropriated9905 | €-1k | €-631 | €140 | €-826 | €218 | ▲ 126% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €8k | €9k | €8k | €8k | €8k | ▲ 1.2% |
| Current assets29/58 | €8k | €9k | €8k | €8k | €8k | ▲ 1.2% |
| Amounts receivable within one year40/41 | €8k | €8k | €7k | €7k | €8k | ▲ 5.6% |
| Trade receivables40 | €276 | - | - | - | - | - |
| Other amounts receivable41 | €8k | €8k | €7k | €7k | €8k | ▲ 5.6% |
| Cash at bank and in hand54/58 | €92 | €488 | €108 | €564 | €253 | ▼ 55.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €8k | €9k | €8k | €8k | €8k | ▲ 1.2% |
| Equity10/15 | €8k | €7k | €8k | €7k | €7k | ▲ 3.3% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-35 | €-665 | €-525 | €-1k | €-1k | ▲ 16.2% |
| Amounts payable17/49 | €459 | €1k | - | €1k | €1k | ▼ 11.2% |
| Amounts payable within one year42/48 | €459 | €1k | - | €1k | €1k | ▼ 11.2% |
| Trade debts44 | €459 | €460 | - | €126 | - | - |
| Suppliers440/4 | €459 | €460 | - | €126 | - | - |
| Advances received on contracts in progress46 | - | €749 | - | - | - | - |
| Other amounts payable47/48 | - | - | - | €1k | €1k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-1k | €-631 | €140 | €-826 | €218 | ▲ 126% |
| + Depreciation and write-downs630 | €366 | - | - | - | - | - |
| Operating cash flow (approximation) | €-726 | €-631 | €140 | €-826 | €218 | ▲ 126% |
| Change in cash | - | €396 | €-380 | €456 | €-312 | ▼ 168% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €218
Net result €218 after one loss-making year.
10-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €140
Net result €140 after 3 loss-making years.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €568
Net result €568 after one loss-making year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Wevelgem · 1 establishment unit since 2008
Ground area
1,856 m²
Building footprint
290 m²
Parcel 34302B0590/00P000, Flanders. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HOVERA
since 20082.174.341.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34302B0590/00P000 | Flanders | 1,856 m² | 1 · 290 m² | - |
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
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Of 6,155 companies in sector 46190 we hold annual accounts for 2,571. 1,122 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 (pre-2019)
Founded22-09-2008
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.