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HVM AUCTION

Active
Private limited companyfounded 201313 yrs activeRue Bayfils 28, 4130 Esneux, BelgiumKBO/BCE: BE 0504.978.733
Summary

HVM AUCTION has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,503 and a net result of €24,863. Equity is growing by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 21069 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisWatch ReportCompare
HVM AUCTIONActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of antiques
NACE 47791
1 site
Size
€106,657total assets 2025
Equity
€84,503
Profit
€24,863
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.5%
Structure
Accounts filed 61 d late1 of 4 deeds read
Why 87- Latest accounts 61 days late; 3 of the last 3 late- 1 change of registered office in 24 months- Size: total assets €106,657+ Liquidity: current ratio 4.80, cash €55,377Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 90% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 79.2% of total assets
Liquidity 93+5
short-term debt 20.8% · cash 51.9%
Profitability 98+48
return on assets 23.3%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (39,919 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.8%▼ -7.3% vs 11-2024 01-2025: 0.7%▼ -13.0% vs 12-2024 02-2025: 0.7%● 0.0% vs 01-2025 03-2025: 0.7%▼ -0.7% vs 02-2025 04-2025: 0.7%▼ -2.7% vs 03-2025 05-2025: 0.6%▼ -9.6% vs 04-2025 06-2025: 0.6%▼ -0.8% vs 05-2025 07-2025: 0.6%▲ +4.0% vs 06-2025 08-2025: 0.9%▲ +37.8% vs 07-2025 09-2025: 0.9%▼ -0.9% vs 08-2025 10-2025: 1.4%▲ +52.6% vs 09-2025highest value 11-2025: 0.8%▼ -42.8% vs 10-2025 12-2025: 0.8%● 0.0% vs 11-2025 01-2026: 0.8%▼ -0.8% vs 12-2025 02-2026: 0.8%● 0.0% vs 01-2026 03-2026: 0.8%▼ -1.4% vs 02-2026 04-2026: 0.8%▲ +0.5% vs 03-2026 05-2026: 0.8%▲ +0.7% vs 04-2026 06-2026: 0.8%▼ -0.9% vs 05-2026 07-2026: 0.8%▲ +2.5% vs 06-2026 08-2026: 0.9%▲ +15.7% vs 07-2026 09-2026: 0.8%▼ -8.5% vs 08-2026 10-2026: 0.5%▼ -38.8% vs 09-2026lowest value
  • Latest accounts 61 days late; 3 of the last 3 late raises the probability
  • Liquidity: current ratio 4.80, cash €55,377 lowers the probability
  • 1 change of registered office in 24 months raises the probability
  • Size: total assets €106,657 raises the probability for this profile
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 4.8 against 7.02 in 2024; short-term debt: 20.8% and cash: 51.9% of total assets), and 20.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 93%, profitability 90%, growth against the median 84%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 61 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Liquidity: current ratio 4.80, cash €55,377
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
raises risk · Size: total assets €106,657
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-09-2026, 61 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 · 10 filings
Deviation from the deadline
2025
61 d late
2024
71 d late
2023
92 d late
2022
31 d late
2021
3 d early
2020
164 d early
2019
201 d late
← 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 41 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 30 September (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Registered officeRegistered-office move
  3. Back to profitnet €24,863

Key points

  • Positive: Among the best 14% on solvencysector median 34.1% · 21,069 companies 79.2% View
  • Caution: Latest accounts filed lateafter the legal deadline 61 d View
  • Total assets 20256 fiscal years filed €106,657 View

By topic

Financials

Fiscal year
2025
Total assets
€106,657
Profit
€24,863
Solvency
79.2%
Total assets▲ 53.6%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2021
Next accounts
by 31-07-2027
  1. 30-09-2026Annual accounts filed
  2. 04-09-2026Registered office
  3. 31-12-2025Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of antiquesNACE 47791
Founded
18-02-2013
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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