Active BE 0663.872.552Private limited company

HTLR Retail

Paalseweg 11/13 ·3980 Tessenderlo, Belgium· 9 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

HTLR Retail is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €30k and a net result of €12k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 1407 sector peers (fiscal year 2024). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€30k
Net result	€12k
Staff (FTE)	8.7
Better than sector	18%

Snowflake analysis 4 of 5 axes measured · computed by Checked

75 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 22

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2016, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview8 NBB filings

Annual accounts filed on 17-07-2025 with the NBB · fiscal year 2024 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~41% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	10.2%	37.4%	better than 18% of 1407 sector peers
Net result	€12k	€46k	better than 34% of 1406 sector peers
Equity	€30k	€362k	better than 15% of 1407 sector peers
Gross operating margin	€325k	€65k	better than 87% of 1405 sector peers
Staff costs	€284k	€70k	higher than 82% of 197 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€12k

-58.4% 18-24

Total assets

€299k

-8.5% 18-24

Equity

€30k

+68.6% 18-24

Employees (FTE)

9

+14.5% 18-24

Staff costs

€284k

+17.3% 18-24

Income taxes

€6k

+1952.0% 18-24

Debt

€268k

-13.0% 18-24

Debt ≤ 1y

€245k

-3.7% 18-24

Debt > 1y

€24k

-49.1% 18-24

Solvency

10.2%

+84.3% 18-24

ROE

40.7%

-75.3% 18-24

ROA

4.1%

-54.6% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€12k
Cash flow	n/a
Staff costs	€284k
Income taxes	€6k
Dividends	-
Total assets	€299k
Equity	€30k
Debt	€268k
of which ≤ 1y	€245k
of which > 1y	€24k
Working capital	n/a
Employees (FTE)	8.7

Ratios (computed)

	2024
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	10.2%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	4.1%
ROE	40.7%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2024

Assets

Fixed assets €12k · 4.1% Current assets €287k · 95.9%

Equity & liabilities

Equity €30k · 10.2% Debt €268k · 89.8%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€299k
Fixed assets	21/28	€12k
Tangible fixed assets	22/27	€9k
Financial fixed assets	28	€3k
Current assets	29/58	€287k
Stocks & contracts in progress	3	€202k
Amounts receivable within one year	40/41	€55k
Investments	50/53	€322
Cash & bank	54/58	€28k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€299k
Equity	10/15	€30k
Contributions / capital	10/11	€30k
Reserves	13	€2k
Accumulated profits (losses)	14	€-2k
Amounts payable	17/49	€268k
Amounts payable after one year	17	€24k
Amounts payable within one year	42/48	€245k
Trade debts payable within one year	44	€98k
Income statement
Gross operating margin	9900	€325k
Operating result	9901	€33k
Financial income	75	€38
Financial charges	65	€15k
Result before taxes	9903	€18k
Income taxes	67/77	€6k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

BEANDLegal entity
Niet statutair bestuurders
State Gazette act 22333439 (23-05-2022)

Current
23-05-2022 → present
2 events
- 23-05-2022 Resigned· Zaakvoerders
- 23-05-2022 Appointed· Niet statutair bestuurders
TIKAMLegal entity
Niet statutair bestuurders
State Gazette act 22333439 (23-05-2022)

Current
23-05-2022 → present
2 events
- 23-05-2022 Resigned· Zaakvoerders
- 23-05-2022 Appointed· Niet statutair bestuurders

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	06-10-2016
Status	Active
Postal code	3980

Establishment units 1 location

HTLR Retail

Paalseweg 11, 3980 Tessenderlo-HamDetailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 400 m² en minder dan 2500 m²)

since 20162.257.177.330

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71362B1596/00K000	Flanders	2,983 m²	1 · 1,000 m²	13.6 m · 3 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 9 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

17-07-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

11-07-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

27-07-2023

NBB filing Annual accounts filed

fiscal year 2022 · verkort

2022

13-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

23-05-2022

State Gazette act Director changes

Ann SCHAEKEN

2021

19-08-2021

NBB filing Annual accounts filed

fiscal year 2020 · verkort

2020

01-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · verkort

2019

02-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · verkort

2018

06-07-2018

NBB filing Annual accounts filed

fiscal year 2017 · verkort

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 4 years ago

2022

23-05-2022 2 directors appointed, 2 resigning Director changes·Ann SCHAEKEN

TIKAM, Niet statutair bestuurders
BEAND, Niet statutair bestuurders
TIKAM, Zaakvoerders
BEAND, Zaakvoerders

Notary: Ann SCHAEKEN · HerentalsFirm: SCHAEKEN & VANHENCXTHOVEN

Original publication ↗

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen47110Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte tussen 100 m² en minder dan 400 m²)47113Holdings64200Activiteiten van holdings64210Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

HTLR Retail

Registered office

Paalseweg 11/13

3980 Tessenderlo, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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