HV-Consultant
ActiveHV-Consultant has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €37k. Its solvency ranks better than 55% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency82
Growth-
Track record67
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 4.32; short-term debt: 16.2% and cash: 67.3% of total assets), and 42.9% 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+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
57.1%
Return on assets
44.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
26 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€47k
Total assets
€82k
Net result
€37k
Working capital
€44k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €82k
Fixed assets
€25k
Current assets
€58k
Equity and liabilities €82k
Equity
€47k
Debt
€35k
Debt finances 42.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€50k
Cash flow
€39k
Solvency
57.1%
Current ratio
4.32
Quick ratio
4.32
Debt / equity
0.75
ROE
78.7%
ROA
44.9%
Interest coverage
106.63
Debt
€35k
Debt ≤ 1 year
€13k
Debt > 1 year
€22k
Income taxes
€10k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€82k
Fixed assets21/28€25k
Tangible fixed assets22/27€25k
Plant, machinery and equipment23€1k
Furniture and vehicles24€24k
Current assets29/58€58k
Amounts receivable within one year40/41€2k
Trade receivables40€2k
Other amounts receivable41€113
Cash at bank and in hand54/58€55k
Deferred charges and accrued income490/1€49
Equity and liabilities
Total equity and liabilities10/49€82k
Equity10/15€47k
Contributions10/11€10k
Reserves13€37k
Distributable reserves133€37k
Amounts payable17/49€35k
Amounts payable after more than one year17€22k
Financial debts170/4€22k
Amounts payable within one year42/48€13k
Current portion of amounts payable after more than one year42€6k
Trade debts44€751
Suppliers440/4€751
Taxes, remuneration and social security45€6k
Taxes450/3€6k
Other amounts payable47/48€1k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k
Other operating charges640/8€226
Gross operating margin9900€50k
Operating profit (loss)9901€47k
Financial charges65/66B€464
Recurring financial charges65€464
Profit (loss) for the period before taxes9903€47k
Income taxes67/77€10k
Profit (loss) for the period9904€37k
Profit (loss) for the period to be appropriated9905€37k
Appropriation of the result
Profit (loss) to be appropriated9906€37k
Transfer to equity691/2€37k
To other reserves6921€37k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2025
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.
Kruishofstraat 1422020 AntwerpenGround area
4,664 m²
Building footprint
859 m²
Volume, LiDAR
39,297 m³
Parcel 11809I2313/00X002, Flanders · tallest building 58.1 m, ±17 floors. Linked by address, not a title deed.
1 establishment unit
HV-Consultant
since 20252.375.722.614
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11809I2313/00X002 | Flanders | 4,664 m² | 1 · 859 m² | 58.1 m · 17 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.
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,401. 6,870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-06-2025
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.