Financials
- Fiscal year
- 2025
- Turnover
- €3.0m
- Profit
- €867,961
- Solvency
- 16.3%
Turnover▼ 8.8%
Net result
20192025
Summary
HYPOSTART is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €17.4m and a net result of €867,961. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 2815 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Financial service activities, except insurance and pension funding
NACE 64910
#3 company by total assets in Heusden-Zolder2 sites
Size
€3.0mturnover 2025
- Equity
- €17.4m
- Profit
- €867,961
Financial health
Financial institution: outside the modelProbability: sector outside the model
Structure
- Parent
- PATRONALE LIFE · 100%
- Board
- 8 members
Auditor: BV PwC BedrijfsrevisorenAccounts 58 d early
Signals- Weak solvency vs sectorLatest accounts filed on timeShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 2815 sector peers (2025).
NBB · sector comparisonPosition among 2815 sector peers
Solvency
better than 15%
← weakest
strongest →
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
72 d early
2023
96 d early
2022
101 d early
2021
125 d early
2020
134 d early
2019
53 d early
← 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 91 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% 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 27 April (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · full…
- Appointment: PwC Bedrijfsrevisoren BV (statutory auditor)Permanent representative: William Rutten
- Highest result since 2019net €867,961 ▲23%
Key points
- Caution: Among the weakest 16% on solvencysector median 61.1% · 2,815 companies 16.3% View
- Controlled by PATRONALE LIFEknown shareholders 100% 100% View
- Positive: Always filed on timeaccounts within the deadline every year 7 years View
- Positive: 7 profitable years in a rowprofit 2025: €867,961 7 years View
- Active since 1968founded 01-01-1968 58 years View
By topic
Board & ownership
- Board
- 8 members
- Parent
- PATRONALE LIFE · 100%
- Known shareholders
- 100%
- Auditor
- BV PwC Bedrijfsrevisoren
Go to Board & ownership
Network & group
- Connected companies
- 23
- Mergers and contributions
- 5
Timeline
- Events
- 45
- Since
- 2006
- Next accounts
- by 31-07-2027
- 03-06-2026Annual accounts filed
- 28-05-2026Appointment: PwC Bedrijfsrevisoren BV (statutory auditor)
- 31-12-2025Highest result since 2019
Company details
- Sites
- 2
- Legal form
- Public limited company
- Activity
- Financial service activities, except insurance and pension fundingNACE 64910
- Founded
- 01-01-1968
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 1
- Purpose
- §1. De vennootschap heeft als hoofdzakelijk voorwerp het toekennen en beheren van sociale…
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?PATRONALE LIFE · 62 companies What changed in the latest annual accounts?What changed
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