HT Concept
ActiveSummary
The computed 12-month bankruptcy probability of HT Concept is 2.9% (moderate). The 2024 annual accounts show equity of €17k and a net result of €15k. Its solvency ranks better than 76% of 36375 sector peers (fiscal year 2024). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency95
Growth-
Track record67
Bankruptcy probability, 12 months
2.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 3.47; short-term debt: 28.8% and cash: 15.8% of total assets), and 29.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 2024Solvency, return and age of the figures
Solvency
70.3%
Return on assets
60%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2024
29 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€17k
Total assets
€24k
Net result
€15k
Working capital
€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €24k
Equity
€17k
Debt
€7k
Debt finances 29.7% of the balance-sheet total.
Key figures and ratios
Current ratio
3.47
Debt to equity
0.42
ROE
85.4%
ROA
60.0%
Debt ≤ 1 year
€7k
Income taxes
€5k
Filed annual accounts As filed with the NBB · 2024 · 32 lines
Balance sheet
Code2024
Assets
Total assets20/58€24k
Current assets29/58€24k
Amounts receivable within one year40/41€20k
Trade receivables40€20k
Other amounts receivable41€625
Cash at bank and in hand54/58€4k
Deferred charges and accrued income490/1€266
Equity and liabilities
Total equity and liabilities10/49€24k
Equity10/15€17k
Contributions10/11€3k
Reserves13€15k
Distributable reserves133€15k
Amounts payable17/49€7k
Amounts payable within one year42/48€7k
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€3k
Taxes450/3€3k
Other amounts payable47/48€2k
Accrued charges and deferred income492/3€225
Income statement
Code2024
Other operating charges640/8€387
Gross operating margin9900€20k
Operating profit (loss)9901€20k
Financial charges65/66B€68
Recurring financial charges65€68
Profit (loss) for the period before taxes9903€20k
Income taxes67/77€5k
Profit (loss) for the period9904€15k
Profit (loss) for the period to be appropriated9905€15k
Appropriation of the result
Profit (loss) to be appropriated9906€15k
Transfer to equity691/2€15k
To other reserves6921€15k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Scherpenheuvel-Zichem · 1 establishment unit since 2024
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.
Kranenburgstraat 1323271 Scherpenheuvel-ZichemGround area
262 m²
Building footprint
66 m²
Volume, LiDAR
387 m³
Parcel 24129C0455/00C000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HT Concept
since 20242.363.439.246
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24129C0455/00C000 | Flanders | 262 m² | 1 · 66 m² | 8.7 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
WOOD-HARMONY
BE 1020.663.890
Brussel · Eq €17,188
Xpert Construction Rénovation
BE 0676.485.225
Beyne-Heusay · Eq €17,198
Dakwerken Van den Brandt
BE 0545.795.541
Kampenhout · Eq €17,138
MENUISERIE ANTI FEU
BE 0420.742.052
Herstal · Eq €17,136
DN TOITURE
BE 1008.650.144
Schaarbeek · Eq €17,125
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 2,849 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2024
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.