HROND
ActiveHROND has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68k and a net result of €-18k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 33% of 13549 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-49
Solvency21▼-26
Growth52▼-26
Stability94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.13 against 1.35 in 2024), and 89.3% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
10.7%
Return on assets
-2.8%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
22 d late
2023
31 d late
2022
19 d late
2021
29 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€68k▼ 20.9%
2024 · €85k
2021: €45k
2022: €64k
2023: €77k
2024: €85k
2021 → 2025
Total assets
€634k▲ 93.0%
2024 · €329k
2021: €185k
2022: €205k
2023: €225k
2024: €329k
2021 → 2025
Net result
€-18k
2024 · €8k
2021: €-15k
2022: €19k
2023: €13k
2024: €8k
2021 → 2025
Working capital
€72k▼ 16.2%
2024 · €85k
2021: €45k
2022: €64k
2023: €77k
2024: €85k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€64k▲ 41.5%€77k▲ 20.1%€85k▲ 10.8%€68k▼ 20.9%
Operating result€-14k-€20k€20k▲ 2.3%€10k▼ 48.7%€-5k
Net result€-15k-€19k€13k▼ 31.4%€8k▼ 35.3%€-18k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €10k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €634k
Equity
€68k▼ 20.9%
Debt
€566k▲ 133%
The debt ratio rises from 74.0% to 89.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
10.7%▼
2024 · 26.0%
Current ratio
1.13▼
2024 · 1.35
Quick ratio
0.18▼
2024 · 0.24
Debt / equity
8.37▲
2024 · 2.84
ROE
-26.4%▼
2024 · 9.8%
ROA
-2.8%▼
2024 · 2.5%
Debt
€566k▲
2024 · €243k
Debt ≤ 1 year
€562k▲
2024 · €243k
Income taxes
€522▼
2024 · €2k
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
Total assets
20/58€329k€634k▲
Current assets
29/58€329k€634k▲
Stocks & contracts in progress
3€269k€534k▲
Amounts receivable within one year
40/41€3k€2k▼
Cash & bank
54/58€56k€98k▲
Total equity & liabilities
10/49€329k€634k▲
Equity
10/15€85k€68k▼
Contributions / capital
10/11€60k€60k=
Reserves
13€25k€8k▼
Amounts payable
17/49€243k€566k▲
Amounts payable within one year
42/48€243k€562k▲
Trade debts payable within one year
44€2k€75▼
Income statement
Code20242025
Gross operating margin
9900€13k€-125▼
Operating result
9901€10k€-5k▼
Financial charges
65-€12k
Result before taxes
9903€10k€-17k▼
Income taxes
67/77€2k€522▼
Net result for the period
9904€8k€-18k▼
Result to be appropriated
9905€8k€-18k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-18k ▼314%
Net result drops to €-18k, the lowest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
PATRIMONIA REAL ESTATE
BE 0734.926.141
Chaudfontaine · Eq €68k
FLORIMMO
BE 0441.617.343
Boortmeerbeek · Eq €68k
Cargo & Logistics Real Estate
BE 0700.664.949
Zaventem · Eq €68k
ESM PROPERTY
BE 1012.941.702
Charleroi · Eq €68k
UNION B
BE 0633.541.939
Antwerpen · Eq €68k
Of 7,277 companies in sector 68110 we hold annual accounts for 5,098. 3,272 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-11-2020
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.