HV TEX
ActiveHV TEX has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €107k and a net result of €33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 59% of 4537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent▼ -11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▼-22
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.75 in 2024), and 61.2% 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
38.8%
Return on assets
12.1%
Age of the figures
14 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €107k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-12-2025, 33 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
33 d early
2024
32 d early
2023
33 d early
2022
33 d early
2021
38 d early
2020
20 d early
2019
32 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€107k▲ 43.7%
2024 · €75k
2019: €19k
2020: €-5k
2021: €-12k
2022: €21k
2023: €47k
2024: €75k
2019 → 2025
Total assets
€276k▲ 109%
2024 · €132k
2019: €127k
2020: €120k
2021: €109k
2022: €113k
2023: €143k
2024: €132k
2019 → 2025
Net result
€33k▲ 18.2%
2024 · €28k
2019: €15k
2020: €-24k
2021: €-6k
2022: €34k
2023: €27k
2024: €28k
2019 → 2025
Working capital
€39k▲ 0.3%
2024 · €39k
2019: €5k
2020: €-28k
2021: €-19k
2022: €-9k
2023: €8k
2024: €39k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-12k-€21k€47k▲ 121%€75k▲ 58.5%€107k▲ 43.7%
Operating result€-4k-€39k€43k▲ 8.7%€47k▲ 10.4%€53k▲ 12.2%
Net result€-6k-€34k€27k▼ 21.5%€28k▲ 6.8%€33k▲ 18.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 12% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €276k
Fixed assets
€146k▲ 251%
Current assets
€130k▲ 44.2%
Equity and liabilities €276k
Equity
€107k▲ 43.7%
Debt
€169k▲ 195%
The debt ratio rises from 43.5% to 61.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€84k▲
2024 · €72k
Cash flow
€65k▲
2024 · €53k
Solvency
38.8%▼
2024 · 56.5%
Current ratio
1.42▼
2024 · 1.75
Quick ratio
1.42▼
2024 · 1.75
Debt / equity
1.58▲
2024 · 0.77
ROE
31.2%▼
2024 · 38.0%
ROA
12.1%▼
2024 · 21.5%
Interest coverage
18.80▼
2024 · 32.64
Debt
€169k▲
2024 · €57k
Debt ≤ 1 year
€91k▲
2024 · €52k
Debt > 1 year
€77k▲
2024 · €5k
Income taxes
€15k▼
2024 · €17k
Staff costs
€90k▼
2024 · €96k
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€132k€276k▲
Fixed assets21/28€42k€146k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€40k€145k▲
Land and buildings22€1k€0▼
Plant, machinery and equipment23€36k€99k▲
Furniture and vehicles24€3k€0▼
Leasing and similar rights25-€46k
Other tangible fixed assets26€0€0=
Financial fixed assets28€1k€1k=
Current assets29/58€90k€130k▲
Amounts receivable within one year40/41€39k€55k▲
Trade receivables40€35k€43k▲
Other amounts receivable41€4k€12k▲
Cash at bank and in hand54/58€12k€70k▲
Deferred charges and accrued income490/1€40k€5k▼
Equity and liabilities
Total equity and liabilities10/49€132k€276k▲
Equity10/15€75k€107k▲
Contributions10/11€19k€19k=
Reserves13€56k€89k▲
Non-distributable reserves130/1€125€125=
Reserves not available under the articles1311€125€125=
Distributable reserves133€56k€88k▲
Amounts payable17/49€57k€169k▲
Amounts payable after more than one year17€5k€77k▲
Financial debts170/4€5k€77k▲
Amounts payable within one year42/48€52k€91k▲
Current portion of amounts payable after more than one year42€22k€36k▲
Trade debts44€8k€29k▲
Suppliers440/4€8k€29k▲
Taxes, remuneration and social security45€17k€18k▲
Taxes450/3€11k€12k▲
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€5k€9k▲
Accrued charges and deferred income492/3€293€317▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€96k€90k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€31k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€172k€178k▲
Operating profit (loss)9901€47k€53k▲
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€45k€49k▲
Income taxes67/77€17k€15k▼
Profit (loss) for the period9904€28k€33k▲
Profit (loss) for the period to be appropriated9905€28k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€33k▲
Transfer to equity691/2€28k€33k▲
To other reserves6921€28k€33k▲
Profit to be distributed694/7€800€859▲
Return on contributions (dividend)694€800€859▲
The notes to these accounts (13 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
2025
29-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Equity above €100kEq €107k ▲43.7%
4 profitable years in a row build equity to €107k.
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Back to profitnet €34k
Net result €34k after 2 loss-making years.
2021
24-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-24k ▼267%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
2019
30-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
02-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-12
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
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, Middelkerke · 1 establishment unit since 2007
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.
Rietstraat 308430 MiddelkerkeGround area
5,642 m²
Building footprint
111 m²
Volume, LiDAR
786 m³
Parcel 35011A0413/00E000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HV TEX
since 20072.166.996.232
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011A0413/00E000 | Flanders | 5,642 m² | 1 · 111 m² | 7.9 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
NET BAUCHE
BE 0875.144.391
Marche-en-Famenne · Eq €108k
Group-f Laundry Facilities
BE 0827.891.634
Kontich · Eq €105k
DE STER
BE 0439.277.564
Herselt · Eq €104k
ACLOT SHOP
BE 0419.219.548
Nivelles · Eq €104k
GM LAUNDRY
BE 0473.460.463
Braine-le-Comte · Eq €102k
Of 426 companies in sector 96101 we hold annual accounts for 251. 180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-11-2007
Fiscal year end30-06
Activities, NACEBEL
93011
93013
96101Personal service activities
96102Launderettes and laundries for private customers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.