HT-Trading
ActiveHT-Trading has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €34k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 2267 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +92 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+57
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.83 against 0.93 in 2024), and 35.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-07-2025, 100 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
100 d early
2024
76 d early
2023
78 d early
2022
83 d early
2021
75 d early
2020
96 d early
2019
100 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k
2024 · €-3k
2019: €9k
2020: €5k
2021: €-52k
2022: €-43k
2023: €-23k
2024: €-3k
2019 → 2025
Total assets
€48k▼ 8.1%
2024 · €52k
2019: €173k
2020: €139k
2021: €85k
2022: €62k
2023: €76k
2024: €52k
2019 → 2025
Net result
€34k▲ 79.5%
2024 · €19k
2019: €-7k
2020: €-5k
2021: €-56k
2022: €9k
2023: €20k
2024: €19k
2019 → 2025
Working capital
€31k
2024 · €-4k
2019: €7k
2020: €3k
2021: €-56k
2022: €-45k
2023: €-32k
2024: €-4k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-52k-€-43k▲ 17.5%€-23k▲ 47.1%€-3k▲ 84.8%€31k
Operating result€-65k-€7k€23k▲ 215%€24k▲ 5.3%€40k▲ 62.9%
Net result€-56k-€9k€20k▲ 121%€19k▼ 4.6%€34k▲ 79.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 63% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€308▼ 49.3%
Current assets
€47k▼ 7.6%
Equity and liabilities €48k
Equity
€31k
Debt
€17k
Debt finances 35.1% of the balance-sheet total.
Key figures and ratios
EBITDA
€40k▲
2024 · €34k
Cash flow
€35k▲
2024 · €29k
Solvency
64.9%▲
2024 · -6.6%
Current ratio
2.83▲
2024 · 0.93
Quick ratio
1.07▲
2024 · 0.40
Debt / equity
0.54▲
2024 · -16.15
ROE
111.1%▲
2024 · -558.7%
ROA
72.0%▲
2024 · 36.9%
Interest coverage
8.03▲
2024 · 6.60
Debt
€17k▼
2024 · €55k
Debt ≤ 1 year
€17k▼
2024 · €55k
Income taxes
€271
Staff costs
€31k▲
2024 · €21k
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€52k€48k▼
Fixed assets21/28€607€308▼
Tangible fixed assets22/27€607€308▼
Furniture and vehicles24€607€308▼
Current assets29/58€51k€47k▼
Stocks and contracts in progress3€30k€30k=
Stocks30/36€30k€30k=
Amounts receivable within one year40/41€16k€12k▼
Trade receivables40€16k€12k▼
Cash at bank and in hand54/58€2k€4k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€52k€48k▼
Equity10/15€-3k€31k▲
Contributions10/11€6k€6k=
Reserves13€681€2k▲
Non-distributable reserves130/1€681€2k▲
Reserves not available under the articles1311€681€2k▲
Profit (loss) carried forward14€-10k€23k▲
Amounts payable17/49€55k€17k▼
Amounts payable within one year42/48€55k€17k▼
Financial debts43€25k-
Other loans439€25k-
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€19k€9k▼
Income statement
Code20242025
Remuneration, social security and pensions62€21k€31k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€299▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€2k
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€59k€75k▲
Operating profit (loss)9901€24k€40k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€19k€35k▲
Income taxes67/77-€271
Profit (loss) for the period9904€19k€34k▲
Profit (loss) for the period to be appropriated9905€19k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€24k▲
Profit (loss) brought forward from the previous period14P€-30k€-10k▲
Transfer to equity691/2-€1k
To the legal reserve6920-€1k
The notes to these accounts (4 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
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €34k ▲79.5%
Operating result €40k, net result €34k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 2.83
Current ratio from 0.93 to 2.83; short-term debt falls from €55k to €17k.
2024
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-56k
Net result drops to €-56k, the lowest in the series; recovery starts the following year.
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Lier · 1 establishment unit since 2012
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.
Koningsplein 382500 LierGround area
788 m²
Building footprint
293 m²
Volume, LiDAR
77 m³
Parcel 12019B0445/00G000, Flanders · tallest building 7.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HT-Trading
since 20122.211.998.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12019B0445/00G000 | Flanders | 788 m² | 1 · 293 m² | 7.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 263 EUR awarded · 248 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 263 EUR | 248 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 34,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-05-2012
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
93127Equestrian clubs
01430Raising of horses and other equines
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.