Summary
HUPE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.4m and a net result of €1.3m. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 79% of 44 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
37 d early
2023
41 d early
2022
14 d early
2021
9 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 19 days before the deadline; the sector median for financial year 2024 is 30 days before the deadline, and 27% of the sector filed late.
Checked, nothing found (2)
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
In the rankings
#5 oldest company in Fleurus, Finance and insurance sector#6 company by total assets in Fleurus, Finance and insurance sector#9 employer in Belgium, Insurance and pension funding sector
Equity
€1.4m▲ 564%
2024 · €213,352
Net result
€1.3m▲ 65.9%
2024 · €778,035
Total assets
€2.0m▲ 59.2%
2024 · €1.2m
Solvency
72.4%▲ 55.1pp
2024 · 17.4%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€3.2m▲ 5.1%€3.4m▲ 6.0%€3.6m▲ 6.4%€3.9m▲ 7.0%
Operating result€1.0m▲ 16.9%€1.0m▼ 1.2%€996,695▼ 2.3%€1.1m▲ 9.3%€1.7m▲ 59.6%
Net result€718,116above the sector's middle half▲ 15.3%€737,623above the sector's middle half▲ 2.7%€708,297above the sector's middle half▼ 4.0%€778,035above the sector's middle half▲ 9.8%€1.3mabove the sector's middle half▲ 65.9%
Equity€119,620within the sector's middle half▼ 61.5%€347,243within the sector's middle half▲ 190%€473,540within the sector's middle half▲ 36.4%€213,352within the sector's middle half▼ 54.9%€1.4mabove the sector's middle half▲ 564%
Total assets€1.4mwithin the sector's middle half▲ 27.9%€1.3mwithin the sector's middle half▼ 11.6%€1.3mwithin the sector's middle half▲ 4.1%€1.2mwithin the sector's middle half▼ 6.8%€2.0mwithin the sector's middle half▲ 59.2%
Debt€1.3m▲ 62.2%€920,267▼ 30.0%€845,402▼ 8.1%€1.0m▲ 20.2%€539,596▼ 46.9%
Working capital€2,981€234,281▲ 7,758%€108,752▼ 53.6%-€49,589€1.2m
Solvency8.3%below the sector's middle half▼ 19.4pp27.4%within the sector's middle half▲ 19.1pp35.9%within the sector's middle half▲ 8.5pp17.4%below the sector's middle half▼ 18.6pp72.4%above the sector's middle half▲ 55.1pp
Staff (FTE)16.8within the sector's middle half▲ 1.2%17.5▲ 4.2%18.7▲ 6.9%19.3within the sector's middle half▲ 3.2%19.3=
above
within
below
the middle half (P25 to P75) of NACE 65, Insurance, reinsurance and pension funding, except compulsory social security, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2025 Net result +66% on 2024. The accounts now follow the abbreviated schema, last year the full schema.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 60% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€241,437 ▼ 17.1%
Current assets
€1.7m ▲ 82.8%
Equity and liabilities €2.0m
Equity
€1.4m ▲ 564%
Debt
€539,596 ▼ 46.9%
Debt's share of the balance-sheet total falls from 82.6% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
91.1%▼
2024 · 364.7%
ROA
66.0%▲
2024 · 63.3%
Debt ≤ 1 year
€488,121▼
2024 · €988,006
Income taxes
€471,485▲
2024 · €309,156
Staff costs
€1.4m▲
2024 · €1.2m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €3.2m | €3.4m | €3.6m | €3.9m | - | - |
| Non-recurring operating income76A | - | - | €58,718 | - | - | - |
| Remuneration, social security and pensions62 | €1.0m | €1.1m | €1.2m | €1.2m | €1.4m | ▲ 10.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €96,133 | €96,811 | €96,372 | €130,579 | €119,845 | ▼ 8.2% |
| Other operating charges640/8 | €6,691 | €10,136 | €31,896 | €7,768 | €9,519 | ▲ 22.5% |
| Non-recurring operating charges66A | - | - | - | - | €2,814 | - |
| Gross operating margin9900 | €2.2m | €2.2m | €2.4m | €2.5m | €3.2m | ▲ 31.2% |
| Operating profit (loss)9901 | €1.0m | €1.0m | €996,695 | €1.1m | €1.7m | ▲ 59.6% |
| Financial income75/76B | €416 | €677 | €3,787 | €4,650 | €24,635 | ▲ 430% |
| Recurring financial income75 | €416 | €677 | €3,787 | €4,650 | €6,343 | ▲ 36.4% |
| Non-recurring financial income76B | - | - | - | - | €18,292 | - |
| Financial charges65/66B | €2,663 | €2,234 | €4,843 | €6,942 | €1,159 | ▼ 83.3% |
| Recurring financial charges65 | €2,663 | €2,234 | €4,843 | €6,942 | €1,159 | ▼ 83.3% |
| Profit (loss) for the period before taxes9903 | €1.0m | €1.0m | €995,639 | €1.1m | €1.8m | ▲ 62.1% |
| Income taxes67/77 | €312,944 | €281,418 | €287,342 | €309,156 | €471,485 | ▲ 52.5% |
| Profit (loss) for the period9904 | €718,116 | €737,623 | €708,297 | €778,035 | €1.3m | ▲ 65.9% |
| Transfer from tax-exempt reserves789 | - | - | - | €261,223 | €99,006 | ▼ 62.1% |
| Transfer to tax-exempt reserves689 | - | €77,500 | €27,750 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €718,116 | €660,123 | €680,547 | €1.0m | €1.4m | ▲ 33.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.4m | €1.3m | €1.3m | €1.2m | €2.0m | ▲ 59.2% |
| Fixed assets21/28 | €223,797 | €161,459 | €412,072 | €291,190 | €241,437 | ▼ 17.1% |
| Tangible fixed assets22/27 | €222,297 | €159,959 | €410,572 | €289,690 | €239,937 | ▼ 17.2% |
| Plant, machinery and equipment23 | - | - | €7,795 | €7,011 | €60,960 | ▲ 769% |
| Furniture and vehicles24 | €222,297 | €159,959 | €402,778 | €282,678 | €178,977 | ▼ 36.7% |
| Financial fixed assets28 | €1,500 | €1,500 | €1,500 | €1,500 | €1,500 | = |
| Current assets29/58 | €1.2m | €1.1m | €906,869 | €938,418 | €1.7m | ▲ 82.8% |
| Amounts receivable within one year40/41 | €60,150 | €112,525 | €39,492 | €149,813 | €816,547 | ▲ 445% |
| Trade receivables40 | €35,150 | €112,525 | €39,492 | €149,813 | €816,547 | ▲ 445% |
| Other amounts receivable41 | €25,000 | - | - | - | - | - |
| Current investments50/53 | €358,450 | €11,250 | €11,250 | - | €8,400 | - |
| Cash at bank and in hand54/58 | €771,931 | €969,187 | €844,474 | €770,897 | €866,778 | ▲ 12.4% |
| Deferred charges and accrued income490/1 | €19,020 | €13,089 | €11,652 | €17,709 | €23,826 | ▲ 34.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.4m | €1.3m | €1.3m | €1.2m | €2.0m | ▲ 59.2% |
| Equity10/15 | €119,620 | €347,243 | €473,540 | €213,352 | €1.4m | ▲ 564% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €18,600 | ▲ 200% |
| Reserves13 | €112,960 | €340,583 | €467,340 | €206,116 | €1.4m | ▲ 579% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | - | €77,500 | €105,250 | €105,250 | €105,250 | = |
| Distributable reserves133 | €111,100 | €261,223 | €362,090 | €100,866 | €1.3m | ▲ 1,182% |
| Profit (loss) carried forward14 | €459 | €459 | €0 | €1,035 | - | - |
| Amounts payable17/49 | €1.3m | €920,267 | €845,402 | €1.0m | €539,596 | ▼ 46.9% |
| Amounts payable after more than one year17 | €107,159 | €48,497 | €47,285 | €28,250 | - | - |
| Financial debts170/4 | €107,159 | €48,497 | €47,285 | €28,250 | - | - |
| Amounts payable within one year42/48 | €1.2m | €871,770 | €798,117 | €988,006 | €488,121 | ▼ 50.6% |
| Current portion of amounts payable after more than one year42 | €61,061 | €58,663 | €40,004 | €19,035 | - | - |
| Trade debts44 | €23,718 | €89,298 | €19,957 | - | €151,454 | - |
| Suppliers440/4 | €23,718 | €89,298 | €19,957 | - | €151,454 | - |
| Advances received on contracts in progress46 | - | - | - | - | €20,381 | - |
| Taxes, remuneration and social security45 | €212,793 | €188,810 | €156,155 | €191,971 | €316,286 | ▲ 64.8% |
| Taxes450/3 | €107,295 | €71,105 | €25,086 | €57,219 | €177,189 | ▲ 210% |
| Remuneration and social security454/9 | €105,498 | €117,704 | €131,069 | €134,752 | €139,098 | ▲ 3.2% |
| Other amounts payable47/48 | €908,997 | €535,000 | €582,000 | €777,000 | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €51,475 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €718,116 | €737,623 | €708,297 | €778,035 | €1.3m | ▲ 65.9% |
| + Depreciation and write-downs630 | €96,133 | €96,811 | €96,372 | €130,579 | €119,845 | ▼ 8.2% |
| Operating cash flow (approximation) | €814,249 | €834,434 | €804,668 | €908,614 | €1.4m | ▲ 55.2% |
| Investment in fixed assets (approximation) | - | -€34,472 | -€346,986 | -€9,696 | -€70,092 | ▼ 623% |
| Change in cash | - | €197,256 | -€124,713 | -€73,578 | €95,881 | ▲ 230% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.3m ▲65.9%
Operating result €1.7m, net result €1.3m, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.51
Current ratio from 0.95 to 3.51; short-term debt falls from €988,006 to €488,121.
31-12
Financial
Equity above €1mEq €1.4m ▲564%
8 profitable years in a row build equity to €1.4m.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €200,000Eq €347,243 ▲190%
5 profitable years in a row build equity to €347,243.
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €200,000Eq €310,501 ▲164%
3 profitable years in a row build equity to €310,501.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
2019
31-12
Financial
Equity above €100,000Eq €117,814 ▲69.8%
2 profitable years in a row build equity to €117,814.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Fleurus · 1 establishment unit since 2000
Ground area
696 m²
Building footprint
258 m²
Volume, LiDAR
2,292 m³
Parcel 52021C0299/00E000, Wallonia · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Charleroi(FL) 501, 6220 Fleurus
since 20002.093.933.951
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52021C0299/00E000 | Wallonia | 696 m² | 1 · 258 m² | 11.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Part of the group
ICC TopCo
27 companies
Group, risk and exposure
Owners and holdings
1 ownerChain of control
- Helix
- Group induver
- HUPE
Highest known parent: Helix. The sources do not say who stands above it.
Owners 1
- Group induverparent100%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 65 companies in sector 65111 we hold annual accounts for 28. 14 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-07-2000
Fiscal year end31-12
Activities, NACEBEL 2025
65111Insurance, reinsurance and pension funding, except compulsory social security
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0472288050
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.