HYPO CONSULT
ActiveHYPO CONSULT has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €359k and a net result of €60k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 1286 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-16
Solvency46▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.57 against 2.31 in 2024), but 81.2% 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+raises 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
18.8%
Return on assets
3.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 · 10 filingsDeviation from the deadline
2025
26 d late
2024
60 d late
2023
61 d late
2022
66 d late
2021
78 d late
2020
193 d late
2019
91 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€359k▲ 16.7%
2024 · €307k
2018: €114k
2019: €134k
2020: €178k
2021: €207k
2022: €261k
2023: €316k
2024: €307k
2018 → 2025
Total assets
€1.91M▼ 6.8%
2024 · €2.05M
2018: €1.87M
2019: €1.99M
2020: €2.20M
2021: €2.16M
2022: €2.16M
2023: €2.10M
2024: €2.05M
2018 → 2025
Net result
€60k▼ 10.1%
2024 · €67k
2018: €35k
2019: €20k
2020: €44k
2021: €30k
2022: €68k
2023: €56k
2024: €67k
2018 → 2025
Working capital
€395k▲ 21.9%
2024 · €324k
2018: €196k
2019: €220k
2020: €4k
2021: €74k
2022: €185k
2023: €290k
2024: €324k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€207k-€261k▲ 25.7%€316k▲ 21.3%€307k▼ 2.9%€359k▲ 16.7%
Operating result€48k-€120k▲ 149%€111k▼ 7.6%€137k▲ 23.8%€89k▼ 35.2%
Net result€30k-€68k▲ 131%€56k▼ 18.6%€67k▲ 20.8%€60k▼ 10.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.91M
Fixed assets
€1.40M▼ 4.9%
Current assets
€505k▼ 11.7%
Equity and liabilities €1.91M
Equity
€359k▲ 16.7%
Provisions
€9k▲ 153%
Debt
€1.54M▼ 11.3%
The debt ratio falls from 84.8% to 80.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€172k▼
2024 · €263k
Cash flow
€144k▼
2024 · €193k
Solvency
18.8%▲
2024 · 15.0%
Current ratio
4.57▲
2024 · 2.31
Quick ratio
4.57▲
2024 · 2.31
Debt / equity
4.29▼
2024 · 5.65
ROE
16.9%▼
2024 · 21.9%
ROA
3.2%▼
2024 · 3.3%
Interest coverage
12.79▲
2024 · 5.76
Debt
€1.54M▼
2024 · €1.74M
Debt ≤ 1 year
€111k▼
2024 · €248k
Debt > 1 year
€1.43M▼
2024 · €1.49M
Income taxes
€33k▼
2024 · €35k
Staff costs
€12k▼
2024 · €15k
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€2.05M€1.91M▼
Fixed assets21/28€1.47M€1.40M▼
Tangible fixed assets22/27€1.13M€1.06M▼
Land and buildings22€1.02M€966k▼
Plant, machinery and equipment23€42k€34k▼
Furniture and vehicles24€48k€31k▼
Other tangible fixed assets26€24k€25k▲
Financial fixed assets28€345k€345k=
Current assets29/58€572k€505k▼
Amounts receivable after more than one year29-€150k
Other amounts receivable291-€150k
Amounts receivable within one year40/41€182k€108k▼
Trade receivables40€10k€0▼
Other amounts receivable41€171k€108k▼
Current investments50/53€252k€0▼
Cash at bank and in hand54/58€136k€244k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.05M€1.91M▼
Equity10/15€307k€359k▲
Contributions10/11€6k€6k=
Reserves13€301k€352k▲
Tax-exempt reserves132€91k€68k▼
Distributable reserves133€210k€285k▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€3k€9k▲
Deferred taxes168€3k€9k▲
Amounts payable17/49€1.74M€1.54M▼
Amounts payable after more than one year17€1.49M€1.43M▼
Financial debts170/4€1.49M€1.43M▼
Amounts payable within one year42/48€248k€111k▼
Current portion of amounts payable after more than one year42€98k€61k▼
Trade debts44€2k€16k▲
Suppliers440/4€2k€16k▲
Advances received on contracts in progress46€8k€0▼
Taxes, remuneration and social security45€30k€3k▼
Taxes450/3€29k€827▼
Remuneration and social security454/9€628€2k▲
Other amounts payable47/48€110k€31k▼
Income statement
Code20242025
Remuneration, social security and pensions62€15k€12k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€83k▼
Other operating charges640/8€25k€20k▼
Gross operating margin9900€303k€205k▼
Operating profit (loss)9901€137k€89k▼
Financial income75/76B€9k€14k▲
Recurring financial income75€9k€14k▲
Financial charges65/66B€46k€13k▼
Recurring financial charges65€46k€13k▼
Profit (loss) for the period before taxes9903€101k€90k▼
Transfer from deferred taxes780€896€4k▲
Income taxes67/77€35k€33k▼
Profit (loss) for the period9904€67k€60k▼
Transfer from tax-exempt reserves789€3k€15k▲
Profit (loss) for the period to be appropriated9905€71k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€75k▲
Transfer from equity791/2€76k€0▼
Transfer to equity691/2€71k€75k▲
To other reserves6921€71k€75k▲
Profit to be distributed694/7€76k€0▼
Return on contributions (dividend)694€76k€0▼
The notes to these accounts (11 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Highest result since 2018net €68k ▲131%
Net result €68k, the highest in the series.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 78 days late
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 193 days late
2021
31-12
Financial
Equity above €200kEq €207k ▲16.7%
4 profitable years in a row build equity to €207k.
2020
31-12
Financial
Equity above €150kEq €178k ▲33.1%
3 profitable years in a row build equity to €178k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €20k ▼41.8%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Hasselt · 1 establishment unit since 2005
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.
Tulpinstraat 333500 HasseltGround area
2,296 m²
Building footprint
423 m²
Volume, LiDAR
2,233 m³
Parcel 71322A0316/00G002, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hypo Consult
since 20052.146.214.476
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71322A0316/00G002 | Flanders | 2,296 m² | 1 · 423 m² | 8.9 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHasselt2.146.214.476
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Of 2,996 companies in sector 55203 we hold annual accounts for 687. 457 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-1999
Fiscal year end31-12
Activities, NACEBEL
55203Holiday cottages, homes and apartments
55204Guest rooms (bed and breakfast)
55232
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.