HP IMMO
ActiveFor the legal form of HP IMMO, Checked does not compute a bankruptcy probability. The 2024 annual accounts show equity of €79k and a net result of €8k. Equity is growing by ~21.5% per year across the filed fiscal years. The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair▲ +11 vs 2023
The score weighs solvency, liquidity and profitability. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability63▲+23
Solvency32▲+1
Growth78=
Track record100
Credit verdict
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 0.77 in 2023; short-term debt: 24.1% and cash: 0% of total assets), and 93.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-09-2025, 57 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
57 d late
2023
12 d early
2022
4 d early
2021
52 d late
2020
11 d early
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€72k
EBIT margin
45.4%
Net result
€8k▼ 46.6%
2023 · €14k
2018: €3k
2019: €11k
2020: €8k
2021: €13k
2022: €3k
2023: €14k
2018 → 2024
Working capital
€38k
2023 · €-95k
2018: €-139k
2019: €-168k
2020: €-91k
2021: €-85k
2022: €-87k
2023: €-95k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€72k
Equity€40k-€54k▲ 32.8%€56k▲ 5.3%€71k▲ 25.6%€79k▲ 10.9%
Operating result€40k-€46k▲ 15.3%€31k▼ 33.3%€46k▲ 48.6%€33k▼ 29.0%
Net result€8k-€13k▲ 68.4%€3k▼ 78.5%€14k▲ 408%€8k▼ 46.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 29% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.13M
Fixed assets
€820k▼ 3.8%
Current assets
€311k▼ 2.2%
Equity and liabilities €1.13M
Equity
€79k▲ 10.9%
Debt
€1.05M▼ 4.3%
The debt ratio falls from 93.9% to 93.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▲
2023 · €62k
Cash flow
€40k▲
2023 · €31k
Solvency
6.9%▲
2023 · 6.1%
Current ratio
1.14▲
2023 · 0.77
Quick ratio
1.14▲
2023 · 0.77
Debt / equity
13.39▼
2023 · 15.52
ROE
9.8%▼
2023 · 20.4%
ROA
0.7%▼
2023 · 1.2%
Interest coverage
2.96▲
2023 · 2.37
Debt
€1.05M▼
2023 · €1.10M
Debt ≤ 1 year
€273k▼
2023 · €413k
Debt > 1 year
€646k▼
2023 · €687k
Income taxes
€3k▼
2023 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.17M€1.13M▼
Fixed assets21/28€853k€820k▼
Tangible fixed assets22/27€853k€820k▼
Land and buildings22€844k€813k▼
Plant, machinery and equipment23€9k€7k▼
Financial fixed assets28€210€210=
Current assets29/58€318k€311k▼
Amounts receivable within one year40/41€251k€251k▲
Other amounts receivable41€251k€251k▲
Cash at bank and in hand54/58€225€370▲
Deferred charges and accrued income490/1€67k€59k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.13M▼
Equity10/15€71k€79k▲
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Outside capital11-€19k
Other1109/19-€19k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€50k€58k▲
Amounts payable17/49€1.10M€1.05M▼
Amounts payable after more than one year17€687k€646k▼
Financial debts170/4€687k€646k▼
Amounts payable within one year42/48€413k€273k▼
Current portion of amounts payable after more than one year42€277k€250k▼
Trade debts44€18k€15k▼
Suppliers440/4€18k€15k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€5k-
Remuneration and social security454/9-€8k
Other amounts payable47/48€112k-
Accrued charges and deferred income492/3-€134k
Income statement
Code20232024
Turnover70-€72k
Goods, raw materials, services and sundry goods60/61-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€33k▲
Other operating charges640/8€7k-
Gross operating margin9900€69k€65k▼
Operating profit (loss)9901€46k€33k▼
Financial charges65/66B€26k€22k▼
Recurring financial charges65€26k€22k▼
Profit (loss) for the period before taxes9903€20k€11k▼
Income taxes67/77€5k€3k▼
Profit (loss) for the period9904€14k€8k▼
Profit (loss) for the period to be appropriated9905€14k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€50k€58k▲
Profit (loss) brought forward from the previous period14P€36k€50k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 57 days late
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €14k ▲408%
Net result €14k, the highest in the series.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 52 days late
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Agatha-Berchem · 2 establishment units since 2017
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.
Strijdersstraat 901082 Sint-Agatha-BerchemGround area
906 m²
Building footprint
1,322 m²
Volume, LiDAR
8,041 m³
3 parcels, Brussels, Flanders · tallest building 16.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
HP IMMO
since 20172.270.898.078
HP IMMO
since 20172.303.634.291
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23037A0383/00W000 | Flanders | 589 m² | 1 · 1,013 m² | 12.4 m · 2 fl. |
| 21342B0123/00W002 | Brussels | 235 m² | 1 · 169 m² | 14.0 m · 4 fl. |
| 21806F0059/00V003 | Brussels | 81 m² | 1 · 140 m² | 16.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formBesloten Vennootschap van publiek recht
Founded30-08-2017
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.