HTTMbizz
ActiveHTTMbizz has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €7k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 31% of 1892 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▲+14
Solvency36▲+1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.1 in 2024), and 70% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
30%
Return on assets
2%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €107k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
34 d early
2023
51 d early
2022
35 d early
2021
40 d early
2020
31 d early
2019
30 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 7.0%
2024 · €100k
2018: €129k
2019: €120k
2020: €113k
2021: €109k
2022: €103k
2023: €96k
2024: €100k
2018 → 2025
Total assets
€355k▲ 5.6%
2024 · €337k
2018: €357k
2019: €350k
2020: €344k
2021: €339k
2022: €332k
2023: €327k
2024: €337k
2018 → 2025
Net result
€7k▲ 85.5%
2024 · €4k
2018: €-13k
2019: €-10k
2020: €-6k
2021: €-4k
2022: €-6k
2023: €-7k
2024: €4k
2018 → 2025
Working capital
€-167k▲ 4.0%
2024 · €-174k
2018: €-131k
2019: €-142k
2020: €-162k
2021: €-166k
2022: €-171k
2023: €-178k
2024: €-174k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€103k▼ 5.2%€96k▼ 7.1%€100k▲ 3.9%€107k▲ 7.0%
Operating result€1k-€-191€-526▼ 175%€12k€14k▲ 18.7%
Net result€-4k-€-6k▼ 31.9%€-7k▼ 29.1%€4k€7k▲ 85.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 19% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €355k
Fixed assets
€310k▼ 2.0%
Current assets
€45k▲ 123%
Equity and liabilities €355k
Equity
€107k▲ 7.0%
Debt
€249k▲ 5.0%
The debt ratio falls from 70.4% to 70.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€21k▲
2024 · €18k
Cash flow
€13k▲
2024 · €10k
Solvency
30.0%▲
2024 · 29.6%
Current ratio
0.21▲
2024 · 0.10
Quick ratio
0.21▲
2024 · 0.10
Debt / equity
2.33▼
2024 · 2.38
ROE
6.6%▲
2024 · 3.8%
ROA
2.0%▲
2024 · 1.1%
Interest coverage
2.78▲
2024 · 2.19
Debt
€249k▲
2024 · €237k
Debt ≤ 1 year
€212k▲
2024 · €194k
Debt > 1 year
€36k▼
2024 · €43k
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€337k€355k▲
Fixed assets21/28€316k€310k▼
Tangible fixed assets22/27€316k€310k▼
Land and buildings22€316k€310k▼
Current assets29/58€20k€45k▲
Amounts receivable within one year40/41-€6k
Trade receivables40-€6k
Cash at bank and in hand54/58€20k€38k▲
Deferred charges and accrued income490/1€654€683▲
Equity and liabilities
Total equity and liabilities10/49€337k€355k▲
Equity10/15€100k€107k▲
Contributions10/11€188k€188k=
Profit (loss) carried forward14€-88k€-81k▲
Amounts payable17/49€237k€249k▲
Amounts payable after more than one year17€43k€36k▼
Financial debts170/4€43k€36k▼
Amounts payable within one year42/48€194k€212k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Other amounts payable47/48€186k€204k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€303€1k▲
Gross operating margin9900€19k€22k▲
Operating profit (loss)9901€12k€14k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€4k€7k▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-88k€-81k▲
Profit (loss) brought forward from the previous period14P€-92k€-88k▲
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €7k ▲85.5%
Operating result €14k, net result €7k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲7%
2 profitable years in a row build equity to €107k.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after 6 loss-making years.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-03
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
2 directors, no change since 2023
Herman Van Vaerenbergh
CurrentDirector · since 09-11-2023
Martine Cocreamon
CurrentDirector · since 09-11-2023
09-11-2023
Herman Van Vaerenbergh: Resigned as Director
09-11-2023
Herman Van Vaerenbergh: Appointed as Director
09-11-2023
Martine Cocreamon: Resigned as Director
09-11-2023
Martine Cocreamon: Appointed as Director
Location & real-estate footprint
Registered office, Ternat · 1 establishment unit since 2015
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.
Muilemlaan 631742 TernatGround area
891 m²
Building footprint
162 m²
Volume, LiDAR
941 m³
Parcel 23071C0027/00B000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HTTMbiz
since 20152.243.546.751
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23071C0027/00B000 | Flanders | 891 m² | 1 · 162 m² | 8.5 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
"Eggers"
BE 0762.537.982
Bertem · Eq €107k
MOBIA
BE 0761.489.590
Evere · Eq €106k
RAJESE
BE 1000.367.730
Hoogstraten · Eq €106k
Lucid RA Consulting
BE 1001.739.190
Gingelom · Eq €106k
WinFisk Consulting
BE 1005.132.509
Ichtegem · Eq €106k
Of 3,142 companies in sector 63920 we hold annual accounts for 1,516. 1,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2015
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
71209Other technical testing and analysis
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.