HYPO&co
ActiveHYPO&co has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €35k. Equity is shrinking by ~15% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency46▼-46
Growth58=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 2.04 in 2024; short-term debt: 78.7% and cash: 62.9% of total assets), and 78.7% 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+raises risk○neutral
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
21.3%
Return on assets
33.2%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
28 d late
2023
26 d late
2022
30 d late
2021
12 d late
2020
13 d late
2019
on the day
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▼ 70.2%
2024 · €75k
2018: €82k
2019: €109k
2020: €164k
2021: €141k
2022: €128k
2023: €99k
2024: €75k
2018 → 2025
Total assets
€104k▼ 5.7%
2024 · €111k
2018: €116k
2019: €131k
2020: €201k
2021: €328k
2022: €261k
2023: €227k
2024: €111k
2018 → 2025
Net result
€35k▲ 5.0%
2024 · €33k
2018: €25k
2019: €27k
2020: €55k
2021: €87k
2022: €76k
2023: €61k
2024: €33k
2018 → 2025
Working capital
€3k▼ 93.0%
2024 · €38k
2018: €79k
2019: €105k
2020: €156k
2021: €97k
2022: €89k
2023: €52k
2024: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€128k▼ 9.0%€99k▼ 23.0%€75k▼ 24.3%€22k▼ 70.2%
Operating result€102k-€99k▼ 3.3%€80k▼ 19.1%€42k▼ 47.5%€49k▲ 16.7%
Net result€87k-€76k▼ 12.7%€61k▼ 20.7%€33k▼ 45.5%€35k▲ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €104k
Fixed assets
€20k▼ 47.1%
Current assets
€85k▲ 15.1%
Equity and liabilities €104k
Equity
€22k▼ 70.2%
Debt
€82k▲ 128%
The debt ratio rises from 32.6% to 78.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€67k▲
2024 · €61k
Cash flow
€52k=
2024 · €52k
Solvency
21.3%▼
2024 · 67.4%
Current ratio
1.03▼
2024 · 2.04
Quick ratio
1.03▼
2024 · 2.04
Debt / equity
3.69▲
2024 · 0.48
ROE
155.7%▲
2024 · 44.2%
ROA
33.2%▲
2024 · 29.8%
Interest coverage
718.33▲
2024 · 201.86
Debt
€82k▲
2024 · €36k
Debt ≤ 1 year
€82k▲
2024 · €36k
Income taxes
€14k▲
2024 · €9k
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€111k€104k▼
Fixed assets21/28€37k€20k▼
Intangible fixed assets21€13k€9k▼
Tangible fixed assets22/27€24k€10k▼
Furniture and vehicles24€23k€9k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€74k€85k▲
Amounts receivable within one year40/41€3k€14k▲
Other amounts receivable41€3k€14k▲
Cash at bank and in hand54/58€69k€66k▼
Deferred charges and accrued income490/1€1k€5k▲
Equity and liabilities
Total equity and liabilities10/49€111k€104k▼
Equity10/15€75k€22k▼
Contributions10/11€19k€19k=
Reserves13€52k€2k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€50k-
Profit (loss) carried forward14€4k€2k▼
Amounts payable17/49€36k€82k▲
Amounts payable within one year42/48€36k€82k▲
Current portion of amounts payable after more than one year42€8k-
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€2k€14k▲
Taxes450/3€2k€14k▲
Other amounts payable47/48€25k€66k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€517€572▲
Gross operating margin9900€62k€67k▲
Operating profit (loss)9901€42k€49k▲
Financial charges65/66B€304€93▼
Recurring financial charges65€304€93▼
Profit (loss) for the period before taxes9903€42k€49k▲
Income taxes67/77€9k€14k▲
Profit (loss) for the period9904€33k€35k▲
Profit (loss) for the period to be appropriated9905€33k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€39k▲
Profit (loss) brought forward from the previous period14P€1k€4k▲
Transfer from equity791/2€27k€50k▲
Profit to be distributed694/7€57k€87k▲
Return on contributions (dividend)694€57k€87k▲
The notes to these accounts (9 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
11-09
State Gazette act
Board meeting · Director appointmentBoard meeting · Director appointment · Registered-office move3 facts ▸
State Gazette act
Board meeting · Director appointment
Board meeting · Director appointment · Registered-office move3 facts ▸
- Board meeting, 2026-08-24
- Director appointment, Michel Olivier (administrateur)
- Registered-office move, Rue de la Fontaine 1 - 4161 Villers-aux-Tours
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €87k ▲59.6%
Operating result €102k, net result €87k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Equity above €150kEq €164k ▲50%
3 profitable years in a row build equity to €164k.
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €109k ▲33.4%
2 profitable years in a row build equity to €109k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Michel Olivier
CurrentDirector · since 24-08-2026
24-08-2026
Appointed as Director
Location & real-estate footprint
Registered office, Anthisnes · 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.
Rue de la Fontaine 14161 AnthisnesGround area
9,977 m²
Building footprint
793 m²
Volume, LiDAR
3,096 m³
2 parcels, Wallonia · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
HYPO&co
since 20152.246.589.383
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61067C0184/00R000 | Wallonia | 7,978 m² | 1 · 362 m² | 4.4 m · 1 fl. |
| 63058A0273/00Y000 | Wallonia | 1,999 m² | 1 · 431 m² | 6.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2015
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.