Summary
Hypotheekmakelaars 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 €19,296 and a net result of €457. Equity remains stable across the filed financial years (±0.8% per year). Its solvency ranks better than 42% of 1,846 sector peers (NACE 66, financial year 2025). The company has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
- Staff
- 0.2 FTE
- Equity
- €19,296
- Profit
- €457
- Parent
- Kopzon bv
- ZONDERLAND Tommie Adriaan PetrusDirector
Signalslowers riskGrowing equityneutralLatest accounts filed on timeShow the evidence
Checked score
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.
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Signals
This company filed its last 7 accounts on average 7 days before the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet €457 ▼87.7%
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 85% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | - | - | €1,187 | €4,596 | ▲ 287% |
| Other operating charges640/8 | - | - | - | €449 | €500 | €493 | €505 | €520 | ▲ 2.8% |
| Gross operating margin9900 | €5,395 | €10,573 | €9,582 | €9,787 | €4,737 | €5,319 | €6,918 | €5,925 | ▼ 14.3% |
| Operating profit (loss)9901 | €4,894 | €10,076 | €9,134 | €9,339 | €4,237 | €4,825 | €5,226 | €810 | ▼ 84.5% |
| Recurring financial income75 | €846 | €465 | €366 | - | - | - | - | - | - |
| Financial charges65/66B | - | - | - | €140 | €163 | €163 | €284 | €201 | ▼ 29.1% |
| Recurring financial charges65 | €139 | €149 | -€139 | €140 | €163 | €163 | €284 | €201 | ▼ 29.1% |
| Profit (loss) for the period before taxes9903 | €5,602 | €10,391 | €9,639 | €9,199 | €4,074 | €4,662 | €4,942 | €609 | ▼ 87.7% |
| Income taxes67/77 | €1,646 | €3,140 | €1,708 | €2,297 | €1,017 | €1,165 | €1,236 | €152 | ▼ 87.7% |
| Profit (loss) for the period9904 | €3,956 | €7,251 | €7,931 | €6,902 | €3,057 | €3,496 | €3,707 | €457 | ▼ 87.7% |
| Profit (loss) for the period to be appropriated9905 | €3,956 | €7,251 | €7,931 | €6,902 | €3,057 | €3,496 | €3,707 | €457 | ▼ 87.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €45,496 | €36,502 | €46,372 | €28,644 | €26,840 | €22,380 | €44,315 | €62,208 | ▲ 40.4% |
| Current assets29/58 | €45,496 | €36,502 | €46,372 | €28,644 | €26,840 | €22,380 | €44,315 | €62,208 | ▲ 40.4% |
| Amounts receivable within one year40/41 | €40,792 | €24,741 | €20,171 | €16,305 | €9,153 | €19,687 | €32,982 | €56,660 | ▲ 71.8% |
| Trade receivables40 | - | - | - | €16,276 | €8,642 | €8,575 | €20,482 | €43,505 | ▲ 112% |
| Other amounts receivable41 | - | - | - | €29 | €512 | €11,112 | €12,500 | €13,156 | ▲ 5.2% |
| Cash at bank and in hand54/58 | €3,927 | €11,762 | €22,788 | €12,339 | €11,280 | €2,693 | €11,333 | €5,476 | ▼ 51.7% |
| Deferred charges and accrued income490/1 | - | - | - | - | €6,407 | - | - | €72 | - |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €45,496 | €36,502 | €46,372 | €28,644 | €26,840 | €22,380 | €44,315 | €62,208 | ▲ 40.4% |
| Equity10/15 | €19,343 | €18,746 | €26,678 | €15,580 | €11,636 | €15,133 | €18,839 | €19,296 | ▲ 2.4% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €13,143 | €12,546 | €20,478 | €9,380 | €5,436 | €8,933 | €12,639 | €13,096 | ▲ 3.6% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | - | - | - | - | - |
| Distributable reserves133 | - | - | - | €7,520 | €5,436 | €8,933 | €12,639 | €13,096 | ▲ 3.6% |
| Amounts payable17/49 | €26,154 | €17,756 | €19,694 | €13,065 | €15,204 | €7,247 | €25,476 | €42,913 | ▲ 68.4% |
| Amounts payable within one year42/48 | €26,015 | €17,607 | €19,684 | €13,065 | €15,204 | €7,247 | €25,476 | €42,913 | ▲ 68.4% |
| Trade debts44 | €23,273 | €16,476 | €17,845 | €12,061 | €15,204 | €7,082 | €24,812 | €42,478 | ▲ 71.2% |
| Suppliers440/4 | - | - | - | €12,061 | €15,204 | €7,082 | €24,812 | €42,478 | ▲ 71.2% |
| Taxes, remuneration and social security45 | - | - | - | €1,004 | - | €165 | €664 | €435 | ▼ 34.5% |
| Taxes450/3 | - | - | - | €1,004 | - | €165 | €401 | - | - |
| Remuneration and social security454/9 | - | - | - | - | - | - | €263 | €435 | ▲ 65.5% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3,956 | €7,251 | €7,931 | €6,902 | €3,057 | €3,496 | €3,707 | €457 | ▼ 87.7% |
| Operating cash flow (approximation) | €3,956 | €7,251 | €7,931 | €6,902 | €3,057 | €3,496 | €3,707 | €457 | ▼ 87.7% |
| Change in cash | - | €7,834 | €11,027 | -€10,449 | -€1,060 | -€8,587 | €8,640 | -€5,858 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 11 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 10-07-2026 | 2026-00295024 |
| 31-12-2024 | abbreviated format | 30-07-2025 | 2025-00353933 |
| 31-12-2023 | abbreviated format | 26-07-2024 | 2024-00289880 |
| 31-12-2022 | abbreviated format | 28-07-2023 | 2023-00283976 |
| 31-12-2021 | abbreviated format | 15-07-2022 | 2022-20189076 |
| 31-12-2020 | abbreviated format | 29-07-2021 | 2021-43100018 |
| 31-12-2019 | micro format | 29-07-2020 | 2020-37000132 |
| 31-12-2018 | abbreviated format | 26-07-2019 | 2019-40000246 |
| 31-12-2017 | abbreviated format | 23-07-2018 | 2018-36700323 |
| 31-12-2016 | abbreviated format | 27-07-2017 | 2017-37400195 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Not every act has been read: a resignation may still be missing
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| ZONDERLAND Tommie Adriaan Petrus |
|
Owners and capital
Owners
1 ownerChain of control
- Kopzon bvNL
- Hypotheekmakelaars
Highest known parent: Kopzon bv (Netherlands). The sources do not say who stands above it.
Owners 1
- Kopzon bvNLconsolidating parentconsolidates
Sources: the companies' annual accounts, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
22-12
Gazette deed
Resignation: ZONDERLAND Tommie Adriaan Petrus (manager)Appointment: ZONDERLAND Tommie Adriaan Petrus (director) · Amendment of the articles · Capital conversion11 facts ▸
- General meeting, “buitengewone algemene vergadering” (deed in Dutch)
- Amendment of the articles (2 times)
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Other provision, “niet-volgestort deel van de inbrengen, vrijstelling volstortingsplicht” (deed in Dutch)
- Net-asset statement, “laatste goedgekeurde jaarrekening, netto-actief niet negatief en wordt niet negatief ingevolge vrijstelling” (deed in Dutch)
- Capital
- Other provision, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Director resignation, ZONDERLAND Tommie Adriaan Petrus (manager)
- Director appointment, ZONDERLAND Tommie Adriaan Petrus (director (not named in the articles))
- Other provision, “uitoefening mandaat, kwijting ontslagnemende zaakvoerder” (deed in Dutch)
- Registered office clause, “Diamantstraat 8/429,2200 Herentals, Zesde besluit” (deed in Dutch)
About the unread acts
Of the 3 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 13027A0065/00F002 | Flanders | 1.2 ha | 1 · 3,044 m² | 24.1 m · 6 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Advisering van financiële producten aan particulieren en bedrijven; Dit betreft hypotheek, lening en verzekeringsadvies; De activiteiten van…” (deed in Dutch)
10 activities (deed in Dutch)
- Advisering van financiële producten aan particulieren en bedrijven.
- Dit betreft hypotheek, lening en verzekeringsadvies.
- De activiteiten van verzekeringsbemiddeling en/of verzekeringstussenpersoon.
- Overige ondersteunende activiteiten in verband met verzekeringen en pensioenfondsen.
- Bemiddeling inzake krediet en leningen door makelaars en anderen tussenpersonen.
- Overige zakelijke dienstverlening.
- Onderneming in onroerende goederen. De verwerving voor eigen rekening van participaties, titels, rechten of roerende waarden, onder welke vorm het ook zij, naar aanleiding van de oprichting, ontwikkeling, omvorming en controle van om het even welke ondernemingen, Belgische of buitenlandse, commerciële, industriële of andere vennootschappen. Het toestaan van leningen en kredietopeningen aan vennootschappen of particulieren.
- Zij kan deelnemen of zich op andere wijze interesseren in allerhande vennootschappen, ondernemingen, groeperingen of organisaties.
- Zij mag haar onroerende goederen in hypotheek stellen en al haar andere goederen, met inbegrip van het handelsfonds, in pand stellen en mag borg of aval verlenen van alle leningen, kredietopeningen en alle andere verbintenissen, voor haarzelf en zelfs voor alle derden op voorwaarde dat zij er zelf belang bij heeft.
- Zij kan de functie van bestuurder of vereffenaar van andere vennootschappen uitoefenen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Hypotheekmakelaars
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaamse Gewest, bij enkel besluit bestuursorgaan oprichten of opheffen wanneer en waar nodig voor zover geen wijziging taalregime” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- One provision in the deed
Capital, shares and profit
- Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- “Titel V - Algemene vergadering Artikel 18. Organisatie en bijeenroeping Ieder jaar wordt een gewone algemene vergadering van aandeelhouders…” (deed in Dutch)
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Algemene vergadering, vormen vereist voor statutenwijziging” (deed in Dutch)1 more provision on this in the deed
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- “Indien geen andere vereffenaar benoemd, een of meerdere vereffenaars aanduiden,bevoegdheden omlijnen,vergoeding bepalen” (deed in Dutch)