HTM INVEST
ActiveThe computed 12-month bankruptcy probability of HTM INVEST is 3.4% (moderate). The annual accounts of HTM INVEST for fiscal year 2025 show a net loss of 77% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-13k. Equity is shrinking by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 17% of 1845 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
26
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency36▼-57
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.13 against 3.15 in 2024; short-term debt: 88.8% and cash: 6.6% of total assets), and 88.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
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 2025Solvency, return and age of the figures
Solvency
11.2%
Return on assets
-36.9%
Age of the figures
9 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 1845 sector peers (2025).
NBB · sector comparisonPosition among 1845 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-07-2026, 13 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
13 d early
2024
17 d late
2023
6 d early
2022
22 d late
2021
30 d late
2020
61 d late
2019
94 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4k▼ 76.7%
2024 · €17k
2018: €24k
2019: €24k
2020: €15k
2021: €2k
2022: €27k
2023: €22k
2024: €17k
2018 → 2025
Total assets
€36k▲ 42.0%
2024 · €26k
2018: €34k
2019: €46k
2020: €53k
2021: €32k
2022: €32k
2023: €28k
2024: €26k
2018 → 2025
Net result
€-13k
2024 · €14k
2018: €5k
2019: €-431
2020: €-8k
2021: €-12k
2022: €24k
2023: €-5k
2024: €14k
2018 → 2025
Working capital
€4k▼ 76.7%
2024 · €17k
2018: €16k
2019: €18k
2020: €-7k
2021: €-13k
2022: €22k
2023: €21k
2024: €17k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€27k▲ 1,035%€22k▼ 18.6%€17k▼ 20.2%€4k▼ 76.7%
Operating result€-12k-€23k€-4k€18k€-13k
Net result€-12k-€24k€-5k€14k€-13k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €36k
Equity
€4k▼ 76.7%
Debt
€32k▲ 298%
The debt ratio rises from 31.7% to 88.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
11.2%▼
2024 · 68.3%
Current ratio
1.13▼
2024 · 3.15
Quick ratio
1.13▼
2024 · 3.15
Debt / equity
7.94▲
2024 · 0.46
ROE
-329.7%▼
2024 · 78.1%
ROA
-36.9%▼
2024 · 53.3%
Debt
€32k▲
2024 · €8k
Debt ≤ 1 year
€32k▲
2024 · €8k
Staff costs
€19k▼
2024 · €40k
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€26k€36k▲
Formation expenses20€0€0=
Fixed assets21/28€0€0=
Tangible fixed assets22/27€0€0=
Furniture and vehicles24€0€0=
Current assets29/58€26k€36k▲
Amounts receivable within one year40/41€24k€33k▲
Trade receivables40€19k€33k▲
Other amounts receivable41€4k€257▼
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1€642€732▲
Equity and liabilities
Total equity and liabilities10/49€26k€36k▲
Equity10/15€17k€4k▼
Contributions10/11€600€600=
Outside capital11€600€600=
Other1109/19€600€600=
Reserves13€274€274=
Non-distributable reserves130/1€274€274=
Reserves not available under the articles1311€274€274=
Profit (loss) carried forward14€17k€3k▼
Amounts payable17/49€8k€32k▲
Amounts payable within one year42/48€8k€32k▲
Trade debts44-€15k
Suppliers440/4-€15k
Taxes, remuneration and social security45€8k€17k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9€946€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€40k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€700-
Other operating charges640/8€1k€944▼
Gross operating margin9900€60k€7k▼
Operating profit (loss)9901€18k€-13k▼
Financial income75/76B€257-
Recurring financial income75€257-
Financial charges65/66B€214€65▼
Recurring financial charges65€214€65▼
Profit (loss) for the period before taxes9903€18k€-13k▼
Income taxes67/77€5k-
Profit (loss) for the period9904€14k€-13k▼
Profit (loss) for the period to be appropriated9905€14k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€3k▼
Profit (loss) brought forward from the previous period14P€3k€17k▲
The notes to these accounts (3 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
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-13k ▼198%
Net result drops to €-13k, the lowest in the series.
17-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
2024
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €24k
Net result €24k after 3 loss-making years.
31-12
Financial
Liquidity times 9current ratio 5.36
Current ratio from 0.58 to 5.36; short-term debt falls from €30k to €5k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
02-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 94 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brussel · 1 establishment unit since 2018
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.
Voldersstraat 221000 BrusselGround area
78 m²
Building footprint
109 m²
Volume, LiDAR
2,189 m³
Parcel 21810L2197/00Z019, Brussels · tallest building 23.0 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
HTM SPEED
since 20182.277.910.386
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21810L2197/00Z019 | Brussels | 78 m² | 1 · 109 m² | 23.0 m · 7 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.
Recognitions · licences · registrations
Parcel delivery
Notified to the BIPT
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MORYBUSINESS
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 2,397 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2018
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
52250Logistics services
52290Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.