HR Transform and Optimize for Performance
ActiveHR Transform and Optimize for Performance has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €280k and a net result of €18k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-16
Solvency97▲+8
Growth85=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.6 against 0.79 in 2024; short-term debt: 23.4% of total assets), and 28% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
72%
Return on assets
4.7%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-02-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
19 d late
2023
7 d late
2022
26 d late
2021
1 d late
2020
19 d early
2019
109 d late
← before the deadline
after the deadline →
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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€471k▲ 68.2%
2020 · €280k
2019: €122k
2020: €280k
2019 → 2021
EBIT margin
15.4%▼ 11.6pp
2020 · 27.0%
2019: 10.9%
2020: 27.0%
2019 → 2021
Net result
€18k▼ 75.8%
2024 · €75k
2019: €-8k
2020: €40k
2021: €29k
2022: €17k
2023: €6k
2024: €75k
2019 → 2025
Working capital
€-36k▼ 116%
2024 · €-17k
2019: €-25k
2020: €-52k
2021: €-10k
2022: €-16k
2023: €-60k
2024: €-17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€471k-
Equity€167k-€185k▲ 10.4%€191k▲ 3.2%€266k▲ 39.4%€280k▲ 5.2%
Operating result€73k-€56k▼ 22.7%€19k▼ 65.8%€129k▲ 568%€38k▼ 70.6%
Net result€29k-€17k▼ 39.2%€6k▼ 65.7%€75k▲ 1,157%€18k▼ 75.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€334k▼ 5.2%
Current assets
€55k▼ 11.6%
Equity and liabilities €388k
Equity
€280k▲ 5.2%
Debt
€109k▼ 26.6%
The debt ratio falls from 35.8% to 28.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €149k
Cash flow
€37k▼
2024 · €96k
Solvency
72.0%▲
2024 · 64.2%
Current ratio
0.60▼
2024 · 0.79
Quick ratio
0.60▼
2024 · 0.79
Debt / equity
0.39▼
2024 · 0.56
ROE
6.5%▼
2024 · 28.2%
ROA
4.7%▼
2024 · 18.1%
Interest coverage
8.77▼
2024 · 16.35
Debt
€109k▼
2024 · €148k
Debt ≤ 1 year
€91k▲
2024 · €79k
Debt > 1 year
€18k▼
2024 · €69k
Income taxes
€13k▼
2024 · €44k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€414k€388k▼
Fixed assets21/28€352k€334k▼
Tangible fixed assets22/27€352k€334k▼
Land and buildings22€337k€327k▼
Furniture and vehicles24€15k€6k▼
Financial fixed assets28€40€40=
Current assets29/58€62k€55k▼
Amounts receivable within one year40/41€49k€45k▼
Trade receivables40€957-
Other amounts receivable41€48k€45k▼
Current investments50/53€10k€10k=
Cash at bank and in hand54/58€3k-
Equity and liabilities
Total equity and liabilities10/49€414k€388k▼
Equity10/15€266k€280k▲
Contributions10/11€19k€19k=
Reserves13€141k€159k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€139k€158k▲
Profit (loss) carried forward14€106k€102k▼
Amounts payable17/49€148k€109k▼
Amounts payable after more than one year17€69k€18k▼
Financial debts170/4€69k€18k▼
Amounts payable within one year42/48€79k€91k▲
Current portion of amounts payable after more than one year42€49k€52k▲
Financial debts43-€707
Credit institutions430/8-€707
Trade debts44€7k€18k▲
Suppliers440/4€7k€18k▲
Taxes, remuneration and social security45€22k€20k▼
Taxes450/3€22k€20k▼
Income statement
Code20242025
Non-recurring operating income76A€78k€20k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€18k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€153k€62k▼
Operating profit (loss)9901€129k€38k▼
Financial income75/76B€10-
Recurring financial income75€10-
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€119k€31k▼
Income taxes67/77€44k€13k▼
Profit (loss) for the period9904€75k€18k▼
Profit (loss) for the period to be appropriated9905€75k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€120k▼
Profit (loss) brought forward from the previous period14P€81k€102k▲
Transfer to equity691/2€50k€18k▼
To other reserves6921€50k€18k▼
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
Next filing, fiscal year 2026, expected by
2026
30-07
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
28-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
30-06
Financial
Highest result since 2019net €75k ▲1157%
Operating result €129k, net result €75k, both a record.
30-06
Financial
Equity above €200kEq €266k ▲39.4%
5 profitable years in a row build equity to €266k.
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
26-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Equity above €150kEq €167k ▲20.7%
2 profitable years in a row build equity to €167k.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
30-06
Financial
Equity above €100kEq €139k ▲41.2%
Equity rises from €98k to €139k.
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 109 days late
19-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 474 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
01-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Temse · 1 establishment unit since 2006
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.
Hyacintenlaan 69140 TemseGround area
1,003 m²
Building footprint
127 m²
Volume, LiDAR
662 m³
Parcel 46023C0288/00V000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HR Transform and Optimize for Performance
since 20062.301.349.348
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46023C0288/00V000 | Flanders | 1,003 m² | 1 · 127 m² | 8.9 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.
Similar companies · same sector, comparable size
DG MANAGEMENT & INVESTMENT
BE 0836.108.128
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CARTESIANA
BE 0600.817.802
Ukkel · Eq €280k
JAN-WILLEM NAUDTS
BE 0559.900.133
Ternat · Eq €280k
DIGIMADS
BE 0766.293.565
Genk · Eq €280k
CMNE PATRIMOINE
BE 0538.645.057
Waterloo · Eq €280k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 38,498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded21-11-2006
Fiscal year end30-06
Abbreviation NL
HR T.O.P.
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.