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HReference

Bankruptcy
Private limited companyfounded 2023Rue des Brasseurs 182, 5000 Namur, BelgiumKBO/BCE: BE 1003.393.833
Summary

The KBO register records for HReference the legal situation: open bankruptcy; this is today's state according to the register itself, which carries no start date. The 2024 annual accounts show equity of €5,467 and a net result of €5,467.

Are you a creditor?

Open bankruptcy Source: KBO register

The KBO register records a bankruptcy for this company. If it owes you money, you are not paid automatically: you file your claim yourself.

The procedure

The publication of the judgment is not in our data. Court, date and curator are in RegSol: search by the enterprise number.

What to do now

  1. Do not deliver on credit any more without an agreement with the curator.
  2. Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
  3. File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
  4. Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
  5. Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
  6. Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.

Deadlines: the judgment sets the last day to file your claim, by law at most thirty days after the judgment, and the day of the first verification report. Both dates are in the publication in the Official Gazette and in RegSol; Checked does not read them yet. A late claim is sometimes still possible, but not without consequences.

File a claim in RegSol ↗ Watch Follow this bankruptcy: you are alerted when it is closed or reversed.

General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help. Full guide for creditors

Signals

Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 15369 sector peers (2024).
NBB · sector comparison
Position among 15369 sector peers
Solvency
better than 14%
← weakest strongest →
raises risk · Young company
Founded in 2023, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · Register: open bankruptcy
The KBO register records the legal situation: open bankruptcy. This is today's state according to the register itself; the register carries no start date.
KBO · legal situation
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 1 filing
Deviation from the deadline
2024
61 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its 2024 accounts 61 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

HReference was incorporated on 14 December 2023 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2024

Go further with this company

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2024, micro schema

Equity
€5,467
Total assets
€36,041
Net result
€5,467
Working capital
€6,169

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €36,041
Fixed assets €2,078
Current assets €33,962
Equity and liabilities €36,041
Equity €5,467
Debt €30,574
Debt finances 84.8% of the balance-sheet total.
Key figures and ratios
2024 value
EBITDA
€8,588
Cash flow
€6,466
Current ratio
1.22
Debt to equity
5.59
ROE
100.0%
ROA
15.2%
Interest coverage
11.71
Debt ≤ 1 year
€27,793
Debt > 1 year
€2,781
Income taxes
€2,090
Annual accounts
Filed annual accounts As filed with the NBB · 2024 · 36 lines
Balance sheet Code2024
Assets
Total assets20/58€36,041
Fixed assets21/28€2,078
Tangible fixed assets22/27€2,078
Furniture and vehicles24€2,078
Current assets29/58€33,962
Amounts receivable within one year40/41€29,170
Trade receivables40€7,514
Other amounts receivable41€21,656
Cash at bank and in hand54/58€3,263
Deferred charges and accrued income490/1€1,529
Equity and liabilities
Total equity and liabilities10/49€36,041
Equity10/15€5,467
Profit (loss) carried forward14€5,467
Amounts payable17/49€30,574
Amounts payable after more than one year17€2,781
Financial debts170/4€2,781
Amounts payable within one year42/48€27,793
Current portion of amounts payable after more than one year42€2,665
Trade debts44€12,988
Suppliers440/4€12,988
Taxes, remuneration and social security45€6,406
Taxes450/3€6,406
Other amounts payable47/48€5,734
Income statement Code2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€999
Other operating charges640/8€10
Gross operating margin9900€8,598
Operating profit (loss)9901€7,589
Financial income75/76B€702
Recurring financial income75€702
Financial charges65/66B€733
Recurring financial charges65€733
Profit (loss) for the period before taxes9903€7,557
Income taxes67/77€2,090
Profit (loss) for the period9904€5,467
Profit (loss) for the period to be appropriated9905€5,467
Appropriation of the result
Profit (loss) to be appropriated9906€5,467

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€999
Other operating charges640/8€10
Gross operating margin9900€8,598
Operating profit (loss)9901€7,589
Financial income75/76B€702
Recurring financial income75€702
Financial charges65/66B€733
Recurring financial charges65€733
Profit (loss) for the period before taxes9903€7,557
Income taxes67/77€2,090
Profit (loss) for the period9904€5,467
Profit (loss) for the period to be appropriated9905€5,467
Line2024
Assets
Total assets20/58€36,041
Fixed assets21/28€2,078
Tangible fixed assets22/27€2,078
Furniture and vehicles24€2,078
Current assets29/58€33,962
Amounts receivable within one year40/41€29,170
Trade receivables40€7,514
Other amounts receivable41€21,656
Cash at bank and in hand54/58€3,263
Deferred charges and accrued income490/1€1,529
Equity and liabilities
Total equity and liabilities10/49€36,041
Equity10/15€5,467
Profit (loss) carried forward14€5,467
Amounts payable17/49€30,574
Amounts payable after more than one year17€2,781
Financial debts170/4€2,781
Amounts payable within one year42/48€27,793
Current portion of amounts payable after more than one year42€2,665
Trade debts44€12,988
Suppliers440/4€12,988
Taxes, remuneration and social security45€6,406
Taxes450/3€6,406
Other amounts payable47/48€5,734
Line2024
Profit (loss) for the period9904€5,467
+ Depreciation and write-downs630€999
Operating cash flow (approximation)€6,466

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

2025
30-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
NBB filing
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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Namur · 1 establishment unit since 2023
seat establishment The establishment unit on the map
Ground area
230 m²
Building footprint
186 m²
Volume, LiDAR
2,290 m³
Parcel 92094C0780/00M000, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
7 companies at this address See who is registered here
1 establishment unit
Hreference
Rue des Brasseurs 182, 5000 NamurLegal and accounting activities
since 20232.353.090.138
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
92094C0780/00M000 Wallonia 230 m² 1 · 186 m² 14.8 m · 4 fl.
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

Of 2,770 companies in sector 69109 we hold annual accounts for 1,208. 464 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
Founded14-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
69109Other legal services
Contact

Scores and ratios are computed by Checked and are not a credit decision.