Summary
HYPOTHEEKWINKEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €6.7m and a net result of €1.0m. Equity is growing by ~28.4% per year across the filed fiscal years. The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
69 d late
2023
67 d late
2022
42 d late
2021
143 d late
2020
26 d late
2019
28 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 41 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% 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 7 October (4 of the last 5 filed years within 75 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2024, full schema, 2025 accounts filed, figures not processed yet
In the rankings
#1 company by staff growth in Flemish Brabant, Finance and insurance sector#6 company by equity in Flemish Brabant, Auxiliary financial services sector#9 employer in Flemish Brabant, Auxiliary financial services sector
Equity
€6.7m▲ 17.7%
2023 · €5.7m
Net result
€1.0m▲ 42.3%
2023 · €707,262
Total assets
€17.0m▲ 4.2%
2023 · €16.3m
Solvency
39.2%▲ 4.5pp
2023 · 34.7%
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Turnover€15.2m€16.9m▲ 11.7%€15.8m▼ 6.5%€18.0m▲ 13.6%
Operating result€754,042▲ 18.9%€1.4m▲ 82.1%€2.1m▲ 51.1%€1.1m▼ 45.9%€1.6m▲ 39.6%
Net result€559,669above the sector's middle half▲ 29.4%€998,689above the sector's middle half▲ 78.4%€1.4mabove the sector's middle half▲ 43.3%€707,262above the sector's middle half▼ 50.6%€1.0mabove the sector's middle half▲ 42.3%
Equity€2.5mabove the sector's middle half▲ 28.4%€3.5mabove the sector's middle half▲ 39.4%€5.0mabove the sector's middle half▲ 40.6%€5.7mabove the sector's middle half▲ 14.3%€6.7mabove the sector's middle half▲ 17.7%
Total assets€6.7mabove the sector's middle half▲ 30.7%€12.1mabove the sector's middle half▲ 81.0%€15.3mabove the sector's middle half▲ 26.6%€16.3mabove the sector's middle half▲ 6.8%€17.0mabove the sector's middle half▲ 4.2%
Debt€4.0m▲ 27.4%€8.5m▲ 113%€10.3m▲ 21.6%€10.7m▲ 3.2%€10.3m▼ 3.0%
Working capital€5.5mabove the sector's middle half▲ 61.4%€4.5mabove the sector's middle half▼ 17.8%€7.1mabove the sector's middle half▲ 58.6%€8.0mabove the sector's middle half▲ 12.0%€8.8mabove the sector's middle half▲ 10.4%
Solvency37.9%within the sector's middle half▼ 0.7pp29.2%within the sector's middle half▼ 8.7pp32.4%within the sector's middle half▲ 3.2pp34.7%within the sector's middle half▲ 2.3pp39.2%within the sector's middle half▲ 4.5pp
Current ratio12.69above the sector's middle half▲ 7.682.54within the sector's middle half▼ 10.153.06above the sector's middle half▲ 0.523.26above the sector's middle half▲ 0.203.73above the sector's middle half▲ 0.47
Return on assets (ROA)8.4%within the sector's middle half▼ 0.1pp8.3%within the sector's middle half▼ 0.1pp9.4%within the sector's middle half▲ 1.1pp4.3%within the sector's middle half▼ 5.0pp5.9%within the sector's middle half▲ 1.6pp
Staff (FTE)12.1above the sector's middle half=13.6above the sector's middle half▲ 12.4%13.8above the sector's middle half▲ 1.5%16.3above the sector's middle half▲ 18.1%19.9above the sector's middle half▲ 22.1%
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
Why a figure moved sharply
- 2021 Net result +78% on 2020. The accounts now follow the full schema, last year the abbreviated schema.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 40% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €17.0m
Fixed assets
€4.9m ▲ 3.2%
Current assets
€12.1m ▲ 4.6%
Equity and liabilities €17.0m
Equity
€6.7m ▲ 17.7%
Debt
€10.3m ▼ 3.0%
Debt's share of the balance-sheet total falls from 65.3% to 60.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
15.1%▲
2023 · 12.5%
Debt ≤ 1 year
€3.2m▼
2023 · €3.5m
Debt > 1 year
€22,685▲
2023 · €7,393
Income taxes
€365,690▲
2023 · €260,113
Staff costs
€1.8m▲
2023 · €1.5m
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €15.2m | €17.1m | €16.0m | €18.1m | ▲ 13.2% |
| Turnover70 | - | €15.2m | €16.9m | €15.8m | €18.0m | ▲ 13.6% |
| Other operating income74 | - | €49,164 | €82,221 | €72,862 | €147,694 | ▲ 103% |
| Non-recurring operating income76A | - | €15,458 | €108,982 | €115,553 | €894 | ▼ 99.2% |
| Operating charges60/66A | - | €13.9m | €15.0m | €14.9m | €16.6m | ▲ 11.2% |
| Goods for resale, raw materials and consumables60 | - | €10.6m | €11.6m | €10.8m | €11.9m | ▲ 10.7% |
| Purchases600/8 | - | €10.6m | €11.6m | €10.8m | €11.9m | ▲ 10.7% |
| Services and other goods61 | - | €1.9m | €1.9m | €2.3m | €2.5m | ▲ 6.5% |
| Remuneration, social security and pensions62 | - | €1.1m | €1.2m | €1.5m | €1.8m | ▲ 24.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €326,732 | €295,997 | €308,135 | €286,650 | €289,390 | ▲ 1.0% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | -€91,864 | -€55,587 | €0 | - | - |
| Other operating charges640/8 | - | €16,851 | €52,662 | €5,712 | €7,516 | ▲ 31.6% |
| Non-recurring operating charges66A | - | - | €1,780 | €7,762 | €9,189 | ▲ 18.4% |
| Gross operating margin9900 | €2.2m | - | - | - | - | - |
| Operating profit (loss)9901 | €754,042 | €1.4m | €2.1m | €1.1m | €1.6m | ▲ 39.6% |
| Financial income75/76B | - | €317 | €147 | €6,134 | €28,962 | ▲ 372% |
| Recurring financial income75 | €4,961 | €317 | €147 | €6,134 | €28,962 | ▲ 372% |
| Income from current assets751 | - | €210 | €100 | €6,133 | €28,934 | ▲ 372% |
| Other financial income752/9 | - | €107 | €47 | €1 | €28 | ▲ 2,727% |
| Financial charges65/66B | - | €13,299 | €124,760 | €160,634 | €223,676 | ▲ 39.2% |
| Recurring financial charges65 | €12,666 | €13,299 | €124,760 | €160,634 | €223,676 | ▲ 39.2% |
| Debt charges650 | - | €8,328 | €103,316 | €157,563 | €219,625 | ▲ 39.4% |
| Other financial charges652/9 | - | €4,971 | €21,444 | €3,070 | €4,051 | ▲ 31.9% |
| Profit (loss) for the period before taxes9903 | €746,337 | €1.4m | €1.9m | €967,375 | €1.4m | ▲ 41.8% |
| Income taxes67/77 | €186,668 | €361,500 | €518,199 | €260,113 | €365,690 | ▲ 40.6% |
| Taxes670/3 | - | €361,500 | €518,199 | €260,319 | €365,690 | ▲ 40.5% |
| Tax adjustments and reversals of tax provisions77 | - | - | - | €206 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €559,669 | €998,689 | €1.4m | €707,262 | €1.0m | ▲ 42.3% |
| Profit (loss) for the period to be appropriated9905 | €559,669 | €998,689 | €1.4m | €707,262 | €1.0m | ▲ 42.3% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €6.7m | €12.1m | €15.3m | €16.3m | €17.0m | ▲ 4.2% |
| Fixed assets21/28 | €725,021 | €4.7m | €4.7m | €4.8m | €4.9m | ▲ 3.2% |
| Intangible fixed assets21 | €681,237 | €590,023 | €547,294 | €594,244 | €677,153 | ▲ 14.0% |
| Tangible fixed assets22/27 | €31,124 | €76,480 | €146,075 | €192,908 | €261,837 | ▲ 35.7% |
| Plant, machinery and equipment23 | - | €19,249 | €40,895 | €64,596 | €97,753 | ▲ 51.3% |
| Furniture and vehicles24 | - | €25,189 | €48,286 | €47,233 | €82,572 | ▲ 74.8% |
| Other tangible fixed assets26 | - | €32,042 | €56,895 | €81,079 | €81,513 | ▲ 0.5% |
| Financial fixed assets28 | €12,660 | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Affiliated companies280/1 | - | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Participating interests280 | - | €4.0m | €4.0m | €4.0m | €4.0m | = |
| Other financial fixed assets284/8 | - | €12,660 | €9,044 | €23,172 | €23,264 | ▲ 0.4% |
| Amounts receivable and cash guarantees285/8 | - | €12,660 | €9,044 | €23,172 | €23,264 | ▲ 0.4% |
| Current assets29/58 | €6.0m | €7.4m | €10.6m | €11.5m | €12.1m | ▲ 4.6% |
| Stocks and contracts in progress3 | - | - | €0 | €0 | €0 | - |
| Amounts receivable within one year40/41 | €274,967 | €241,241 | €255,941 | €381,763 | €373,755 | ▼ 2.1% |
| Trade receivables40 | - | €139,734 | €69,930 | €56,549 | €13,120 | ▼ 76.8% |
| Other amounts receivable41 | - | €101,507 | €186,012 | €325,214 | €360,635 | ▲ 10.9% |
| Current investments50/53 | €2,231 | €2,000 | €0 | €300,000 | €300,000 | = |
| Other investments51/53 | - | €2,000 | €0 | €300,000 | €300,000 | = |
| Cash at bank and in hand54/58 | €1.0m | €445,143 | €862,831 | €917,156 | €1.1m | ▲ 15.1% |
| Deferred charges and accrued income490/1 | - | €6.7m | €9.5m | €9.9m | €10.3m | ▲ 4.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €6.7m | €12.1m | €15.3m | €16.3m | €17.0m | ▲ 4.2% |
| Equity10/15 | €2.5m | €3.5m | €5.0m | €5.7m | €6.7m | ▲ 17.7% |
| Contributions10/11 | - | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Reserves13 | €102,000 | €102,000 | €102,000 | €102,000 | €102,000 | = |
| Distributable reserves133 | - | €102,000 | €102,000 | €102,000 | €102,000 | = |
| Profit (loss) carried forward14 | €2.4m | €3.4m | €4.8m | €5.5m | €6.6m | ▲ 18.1% |
| Provisions and deferred taxes16 | €147,451 | €55,587 | €0 | - | - | - |
| Provisions for liabilities and charges160/5 | - | €55,587 | €0 | - | - | - |
| Environmental obligations163 | - | - | €0 | - | - | - |
| Other liabilities and charges164/5 | - | €55,587 | - | - | - | - |
| Amounts payable17/49 | €4.0m | €8.5m | €10.3m | €10.7m | €10.3m | ▼ 3.0% |
| Amounts payable after more than one year17 | €156,768 | €650,737 | €18,126 | €7,393 | €22,685 | ▲ 207% |
| Financial debts170/4 | - | €650,737 | €18,126 | €7,393 | €22,685 | ▲ 207% |
| Credit institutions173 | - | €650,737 | €18,126 | €7,393 | €22,685 | ▲ 207% |
| Amounts payable within one year42/48 | €468,957 | €2.9m | €3.5m | €3.5m | €3.2m | ▼ 8.5% |
| Current portion of amounts payable after more than one year42 | - | €334,445 | €77,187 | €78,247 | €120,545 | ▲ 54.1% |
| Trade debts44 | €187,660 | €312,266 | €259,887 | €313,659 | €340,987 | ▲ 8.7% |
| Suppliers440/4 | - | €312,266 | €259,887 | €313,659 | €340,987 | ▲ 8.7% |
| Advances received on contracts in progress46 | - | - | - | €3,000 | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €261,876 | €528,761 | €383,231 | €198,701 | ▼ 48.2% |
| Taxes450/3 | - | €162,069 | €413,700 | €244,761 | €16,067 | ▼ 93.4% |
| Remuneration and social security454/9 | - | €99,806 | €115,060 | €138,470 | €182,634 | ▲ 31.9% |
| Other amounts payable47/48 | - | €2.0m | €2.6m | €2.8m | €2.6m | ▼ 6.6% |
| Accrued charges and deferred income492/3 | - | €4.9m | €6.9m | €7.1m | €7.1m | ▼ 0.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €559,669 | €998,689 | €1.4m | €707,262 | €1.0m | ▲ 42.3% |
| + Depreciation and write-downs630 | €326,732 | €295,997 | €308,135 | €286,650 | €289,390 | ▲ 1.0% |
| Operating cash flow (approximation) | €886,402 | €1.3m | €1.7m | €993,912 | €1.3m | ▲ 30.3% |
| Investment in fixed assets (approximation) | - | -€4.2m | -€331,386 | -€394,561 | -€441,319 | ▼ 11.9% |
| Change in cash | - | -€576,607 | €417,689 | €54,324 | €138,141 | ▲ 154% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 69 days late
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 67 days late
2023
31-12
Financial
Equity above €5mEq €5.7m ▲14.3%
6 profitable years in a row build equity to €5.7m.
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 42 days late
2022
31-12
Financial
Highest result since 2018net €1.4m ▲43.3%
Operating result €2.1m, net result €1.4m, both a record.
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 143 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 12.69
Current ratio from 5.01 to 12.69; short-term debt falls from €846,680 to €468,957.
31-12
Financial
Equity above €2mEq €2.5m ▲28.4%
3 profitable years in a row build equity to €2.5m.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €432,642 ▼53.1%
Net result drops to €432,642, the lowest in the series; recovery starts the following year.
Show earlier events
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 21 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
No directors read yet: 0 of 15 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Zaventem · 5 establishment units since 2001
Ground area
6,288 m²
Building footprint
2,184 m²
Volume, LiDAR
32,838 m³
5 parcels, Brussels, Flanders · tallest building 26.8 m, ±8 floors. Linked by address, not a title deed.
64
companies at this address
See who is registered here
5 establishment units
Hypotheek.winkel Zaventem
since 20012.100.348.720
Hypotheek.winkel Antwerpen Zuid
since 20212.319.625.039
Hypotheek.winkel Deurne
since 20212.319.625.435
Vlaamsesteenweg 3, 1000 Brussel
since 20232.349.061.965
Parkplein 23, 9000 Gent
since 20242.365.173.269
5 parcels
Flanders
4
(80%)
Brussels
1
(20%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23057B0120/00D000 | Flanders | 4,170 m² | 1 · 1,315 m² | 15.4 m · 4 fl. |
| 11342A0326/00Z003 | Flanders | 1,493 m² | 1 · 403 m² | 26.3 m · 8 fl. |
| 44808H0021/00C002 | Flanders | 414 m² | 1 · 343 m² | 26.8 m · 8 fl. |
| 21812N1477/00B000 | Brussels | 137 m² | 1 · 53 m² | 15.0 m · 4 fl. |
| 11811L3717/00E000 | Flanders | 75 m² | 1 · 71 m² | 20.0 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Structure & network
Owners and holdings
1 owner · 1 holdingChain of control
- Horizon Holdco
- HYPOTHEEKWINKEL
Highest known parent: Horizon Holdco. The sources do not say who stands above it.
Owners 1
- Horizon Holdcoparent100%
Holdings 1
-
100%
According to the 2024 annual accounts of HYPOTHEEKWINKEL and those of the other companies, the acts in the Belgian Gazette and the LEI register. 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 fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Subsidies and aid
Flemish government
2022 · 1 entry · 3,224 EUR awarded · 3,224 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 3,224 EUR | 3,224 EUR |
Recognitions · licences · registrations
Legal Entity Identifier
6994001P9GPFUUOXGY08
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Company details
Identification
Legal formPrivate limited company
Founded15-02-2001
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0474087795
Also
9925:BE0474087795
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.