Filings
The 2025 accounts came 20 days late. The other nine of the last ten were filed on time.
The 2025 accounts came 20 days late. The other nine of the last ten were filed on time.
Higher solvency than 87% of companies in wholesale trade. Sector median 40.5% · 15,447 companies.
In July 2024, 10,915 companies had the same profile as HOVERA has now. Each dot stands for 28 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,915 companies, not a prediction for HOVERA. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| HOVERA Wevelgem | €7,928 | - | 87.4% | - |
| CéGéOL Liège | €9,105 | -€8,114 | -260.2% | - |
| TRADE4YOU Mons | €6,986 | -€1,037 | 98.1% | - |
| NOUVEAU-DEPART Walcourt | €6,576 | -€3,539 | -34.3% | - |
| B APIMMO Brussels | €9,990 | -€8,518 | -1617.4% | - |
| DOUBLE-WIN INTERNATIONAL Leuven | €6,080 | -€1,432 | -465.9% | - |
| Agora Culinair Fris Doekske Aarschot | €8,905 | -€1,811 | 97.6% | - |
These companies have the same main activity as HOVERA: agents in non-specialised wholesale trade (NACE 46190). They are comparable in size and age: total assets between €6,080 and €9,990, founded between 2004 and 2009.
HOVERA files the micro format. That format states no turnover. The gross margin fell from €8,112 in 2009 to -€836 in 2024.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them.
Higher than 88% of 15,447 companies in 2025.
Higher than 88% of 14,709 companies in 2025.
Higher than 49% of 14,939 companies in 2025.
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||||||||||||||
20/58 |
7,928 | 7,835 | 7,535 | 8,603 | 8,484 | 9,118 | 9,422 | 8,899 | 17,393 | 47,358 | 54,968 | 25,023 | 73,730 | 48,292 | 60,624 | 49,685 | 33,563 | |
21/28 |
- | - | - | - | - | 366 | 732 | - | - | - | - | - | - | - | 287 | 573 | - | |
22/27 |
- | - | - | - | - | 366 | 732 | - | - | - | - | - | - | - | 287 | 573 | - | |
23 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 287 | 573 | - | |
24 |
- | - | - | - | - | 366 | 732 | - | - | - | - | - | - | - | - | - | - | |
29/58 |
7,928 | 7,835 | 7,535 | 8,603 | 8,484 | 8,751 | 8,690 | 8,899 | 17,393 | 47,358 | 54,968 | 25,023 | 73,730 | 48,292 | 60,337 | 49,112 | 33,563 | |
40/41 |
7,675 | 7,271 | 7,426 | 8,115 | 8,391 | 8,389 | 8,690 | 8,899 | 17,393 | 45,854 | 54,600 | 24,884 | 73,284 | 48,134 | 45,542 | 36,621 | 21,856 | |
40 |
- | - | - | - | 276 | 276 | 726 | - | - | - | - | - | - | 12,660 | 9,860 | 19,210 | 12,400 | |
41 |
7,675 | 7,271 | 7,426 | 8,115 | 8,115 | 8,113 | 7,964 | 8,899 | 17,393 | 45,854 | 54,600 | 24,884 | 73,284 | 35,474 | 35,682 | 17,411 | 9,456 | |
50/53 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 10,991 | - | |
54/58 |
253 | 564 | 108 | 488 | 92 | 363 | - | - | - | 1,504 | 368 | 139 | - | 158 | 13,295 | - | 11,707 | |
490/1 |
- | - | - | - | - | - | - | - | - | - | - | - | 446 | - | 1,500 | 1,500 | - | |
| Balance sheet: equity and liabilities | ||||||||||||||||||
10/49 |
7,928 | 7,835 | 7,535 | 8,603 | 8,484 | 9,118 | 9,422 | 8,899 | 17,393 | 47,358 | 54,968 | 25,023 | 73,730 | 48,292 | 60,624 | 49,685 | 33,563 | |
10/15 |
6,928 | 6,709 | 7,535 | 7,395 | 8,025 | 9,118 | 9,303 | 8,735 | 17,264 | 21,728 | 29,338 | 24,852 | 36,425 | 44,910 | 39,369 | 26,990 | 10,681 | |
10/11 |
6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | 6,200 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
13 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 2,918 | 3,103 | 2,535 | 11,064 | 15,528 | 23,138 | 18,652 | 30,225 | 38,710 | 33,169 | 20,790 | 4,481 | |
130/1 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | |
1311 |
1,860 | 1,860 | 1,860 | 1,860 | 1,860 | 1,860 | - | - | - | - | - | - | - | - | - | - | - | |
133 |
- | - | - | - | - | 1,058 | 1,243 | 675 | 9,204 | 13,668 | 21,278 | 16,792 | 28,365 | 36,850 | 31,309 | 18,930 | 2,621 | |
14 |
-1,133 | -1,351 | -525 | -665 | -35 | - | - | - | - | - | - | - | - | - | - | - | - | |
17/49 |
1,000 | 1,126 | - | 1,209 | 459 | - | 119 | 164 | 129 | 25,630 | 25,630 | 171 | 37,305 | 3,382 | 21,255 | 22,695 | 22,882 | |
42/48 |
1,000 | 1,126 | - | 1,209 | 459 | - | 119 | 164 | 129 | 25,630 | 25,630 | 171 | 37,305 | 3,382 | 21,255 | 22,695 | 22,882 | |
42 |
- | - | - | - | - | - | - | - | - | - | - | - | 1,667 | - | - | - | - | |
43 |
- | - | - | - | - | - | 119 | 164 | 129 | - | - | - | 855 | 1,859 | - | - | - | |
430/8 |
- | - | - | - | - | - | 119 | 164 | 129 | - | - | - | 855 | 1,859 | - | - | - | |
44 |
- | 126 | - | 460 | 459 | - | - | - | - | - | - | - | 1,547 | 96 | 2,305 | 13,439 | 19,528 | |
440/4 |
- | 126 | - | 460 | 459 | - | - | - | - | - | - | - | 1,547 | 96 | 2,305 | 13,439 | 19,528 | |
46 |
- | - | - | 749 | - | - | - | - | - | - | 25,630 | - | 32,380 | - | - | - | - | |
45 |
- | - | - | - | - | - | - | - | - | - | - | 171 | 855 | 1,427 | 18,950 | 9,256 | 3,354 | |
450/3 |
- | - | - | - | - | - | - | - | - | - | - | 171 | 855 | 1,427 | 18,950 | 9,256 | 3,354 | |
47/48 |
1,000 | 1,000 | - | - | - | - | - | - | - | 25,630 | - | - | - | - | - | - | - | |
| Income statement | ||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | - | 38,025 | - | - | - | - | |
9900 |
- | -836 | -156 | -405 | -402 | -402 | 612 | -400 | -6,636 | -11,817 | 53 | -16,681 | -11,661 | 7,047 | 18,485 | 25,566 | 8,112 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | - | 51,981 | - | - | - | - | |
630 |
- | - | - | - | 366 | 366 | 366 | - | - | - | - | - | - | 287 | 287 | 287 | - | |
640/8 |
141 | 391 | 75 | 187 | 186 | 184 | 182 | 8,311 | 178 | 103 | 102 | 176 | 320 | 717 | 625 | 854 | 716 | |
9901 |
-141 | -1,227 | -231 | -592 | -955 | -952 | 64 | -8,711 | -6,814 | -11,920 | -49 | -16,856 | -11,980 | 6,043 | 17,573 | 24,425 | 7,396 | |
75/76B |
404 | 444 | 410 | - | - | 796 | 656 | 1,073 | 2,603 | 4,411 | 4,637 | 5,454 | 4,025 | 3,213 | 1,880 | 722 | 440 | |
75 |
404 | 444 | 410 | - | - | 796 | 656 | 1,073 | 2,603 | 4,411 | 4,637 | 5,454 | 4,025 | 3,213 | 1,880 | 722 | 440 | |
65/66B |
45 | 44 | 39 | 39 | 138 | 29 | 153 | 891 | 254 | 101 | 103 | 170 | 420 | 135 | 8 | 222 | 2 | |
65 |
45 | 44 | 39 | 39 | 138 | 29 | 153 | 891 | 254 | 101 | 103 | 170 | 420 | 135 | 8 | 222 | 2 | |
9903 |
218 | -826 | 140 | -631 | -1,092 | -185 | 568 | -8,529 | -4,465 | -7,610 | 4,486 | -11,573 | -8,375 | 9,122 | 19,445 | 24,925 | 7,835 | |
67/77 |
- | - | - | - | - | - | - | - | - | - | - | - | 110 | 3,581 | 7,066 | 8,616 | 3,354 | |
9904 |
218 | -826 | 140 | -631 | -1,092 | -185 | 568 | -8,529 | -4,465 | -7,610 | 4,486 | -11,573 | -8,485 | 5,541 | 12,379 | 16,309 | 4,481 | |
9905 |
218 | -826 | 140 | -631 | -1,092 | -185 | 568 | -8,529 | -4,465 | -7,610 | 4,486 | -11,573 | -8,485 | 5,541 | 12,379 | 16,309 | 4,481 | |
| Appropriation of the result | ||||||||||||||||||
9906 |
-1,133 | -1,351 | -525 | -665 | -1,092 | -185 | 568 | -8,529 | -4,465 | -7,610 | 4,486 | -11,573 | -8,485 | 5,541 | 12,379 | 16,309 | 4,481 | |
14P |
-1,351 | -525 | -665 | -35 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
791/2 |
- | - | - | - | 1,058 | 185 | - | 8,529 | 4,465 | 7,610 | - | 11,573 | 8,485 | - | - | - | - | |
691/2 |
- | - | - | - | - | - | 568 | - | - | - | 4,486 | - | - | 5,541 | 12,379 | 16,309 | 4,481 | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1,860 | |
6921 |
- | - | - | - | - | - | 568 | - | - | - | 4,486 | - | - | 5,541 | 12,379 | 16,309 | 2,621 | |
| Document | ||||||||||||||||||
The notes to these accounts have 3 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 20-08-2026.
2025 annual accounts filed 20 days after the deadline. Filed on 20 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00413742.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 20-08-2026 | 2026-00413742 | |
| 31-12-2024 | micro format | 10-06-2025 | 2025-00132231 | |
| 31-12-2023 | micro format | 14-06-2024 | 2024-00130412 | |
| 31-12-2022 | micro format | 20-06-2023 | 2023-00140311 | |
| 31-12-2021 | micro format | 30-05-2022 | 2022-20040655 | |
| 31-12-2020 | micro format | 04-06-2021 | 2021-17600081 | |
| 31-12-2019 | micro format | 02-06-2020 | 2020-13900348 | |
| 31-12-2018 | micro format | 04-06-2019 | 2019-16000122 | |
| 31-12-2017 | micro format | 16-05-2018 | 2018-13200273 | |
| 31-12-2016 | micro format | 04-07-2017 | 2017-27500170 | |
| 31-12-2015 | abbreviated format | 17-06-2016 | 2016-19500061 | |
| 31-12-2014 | abbreviated format | 29-05-2015 | 2015-14000061 | |
| 31-12-2013 | abbreviated format | 23-06-2014 | 2014-20800514 | |
| 31-12-2012 | abbreviated format | 06-06-2013 | 2013-16300314 | |
| 31-12-2011 | abbreviated format | 22-06-2012 | 2012-20800025 | |
| 31-12-2010 | abbreviated format | 23-06-2011 | 2011-20500020 | |
| 31-12-2009 | abbreviated format | 02-06-2010 | 2010-14800276 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| - | - | - | - | -588 | -586 | 430 | - | - | - | - | - | - | 6,330 | 17,859 | 24,712 | - | ||
| - | - | - | - | -726 | 181 | 934 | - | - | - | - | - | - | 5,828 | 12,665 | 16,596 | - | ||
| - | - | - | - | 0 | 0 | 1,098 | - | - | - | - | - | - | 0 | 0 | 860 | - | ||
| -312 | 456 | -380 | 396 | -270 | - | - | - | - | 1,136 | 229 | - | - | -13,137 | - | - | - | ||
| 6,928 | 6,709 | - | 7,395 | 8,025 | - | 8,571 | 8,735 | 17,264 | 21,728 | 29,338 | 24,852 | 36,425 | 44,910 | 39,082 | 26,417 | 10,681 | ||
| - | - | - | - | - | - | - | - | - | - | - | - | -31.5% | - | - | - | - | ||
| 87.4% | 85.6% | 100.0% | 86.0% | 94.6% | 100.0% | 98.7% | 98.2% | 99.3% | 45.9% | 53.4% | 99.3% | 49.4% | 93.0% | 64.9% | 54.3% | 31.8% | ||
| 7.93 | 6.96 | - | 7.12 | 18.50 | - | 72.94 | 54.33 | - | 1.85 | 2.14 | - | 1.98 | 14.28 | 2.84 | 2.16 | 1.47 | ||
| 0.14 | 0.17 | - | 0.16 | 0.06 | - | 0.01 | 0.02 | 0.01 | 1.18 | 0.87 | 0.01 | 1.02 | 0.08 | 0.54 | 0.84 | 2.14 | ||
| 3.2% | -12.3% | 1.9% | -8.5% | -13.6% | -2.0% | 6.1% | -97.6% | -25.9% | -35.0% | 15.3% | -46.6% | -23.3% | 12.3% | 31.4% | 60.4% | 42.0% | ||
| 2.8% | -10.5% | 1.9% | -7.3% | -12.9% | -2.0% | 6.0% | -95.8% | -25.7% | -16.1% | 8.2% | -46.2% | -11.5% | 11.5% | 20.4% | 32.8% | 13.4% | ||
| - | - | - | - | -4.27 | - | - | - | - | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | - | 703 days | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | - | 11 days | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
The operating result for 2025 is a loss of €141, smaller than the loss of €1,227 in 2024.
Debt's share of the balance-sheet total falls from 14.4% to 12.6%. Equity is higher and debt is lower.
HOVERA has no parent and no holdings in its annual accounts. is the only director. HOVERA shares no director with another company.
| BFLEET
registered office since 29-08-2005 · founded in 2005 |
total assets €334,165 (2025) 0874.643.456 |
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Beukenstraat 29 registered office 8560 Wevelgem 4619001 Agents in non-specialised wholesale trade | 21-11-2008 | 2.174.341.409 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 34302B0590/00P000 | 1,856 m² | 1 · 290 m² | 1.1 m |
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