Summary
JOËL VAN HAUTE 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 €553k and a net result of €47k. Equity is shrinking by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 2435 sector peers (fiscal year 2025). 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 health 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.
Credit advice for your own amount and term
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
31 d early
2023
1 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€553k▲ 9.2%
2024 · €506k
2023: €596k
2024: €506k
2023 → 2025
Net result
€47k
2024 · €-35k
2023: €-18k
2024: €-35k
2023 → 2025
Total assets
€702k▼ 4.2%
2024 · €733k
2023: €774k
2024: €733k
2023 → 2025
Solvency
78.8%▲ 9.7pp
2024 · 69.1%
2023: 77.0%
2024: 69.1%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€596k-€506k▼ 15.1%€553k▲ 9.2%
Operating result€-17k-€-36k▼ 113%€63k
Net result€-18k-€-35k▼ 92.6%€47k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €63k after a loss of €36k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €702k
Fixed assets
€100k ▼ 37.4%
Current assets
€602k ▲ 5.0%
Equity and liabilities €702k
Equity
€553k ▲ 9.2%
Debt
€149k ▼ 34.2%
Debt's share of the balance-sheet total falls from 30.9% to 21.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
8.4%▲
2024 · -6.9%
ROA
6.6%▲
2024 · -4.8%
Debt ≤ 1 year
€107k▼
2024 · €156k
Debt > 1 year
€41k▼
2024 · €70k
Income taxes
€17k▲
2024 · €2k
Staff costs
€336k▼
2024 · €369k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€733k€702k▼
Fixed assets21/28€160k€100k▼
Tangible fixed assets22/27€160k€100k▼
Plant, machinery and equipment23€10k€9k▼
Furniture and vehicles24€120k€76k▼
Other tangible fixed assets26€30k€15k▼
Current assets29/58€573k€602k▲
Amounts receivable within one year40/41€47k€2k▼
Trade receivables40€0€135▲
Other amounts receivable41€47k€2k▼
Current investments50/53€326k€306k▼
Cash at bank and in hand54/58€145k€230k▲
Deferred charges and accrued income490/1€54k€62k▲
Equity and liabilities
Total equity and liabilities10/49€733k€702k▼
Equity10/15€506k€553k▲
Contributions10/11€2k€2k=
Reserves13€505k€551k▲
Tax-exempt reserves132€39k€39k▲
Distributable reserves133€466k€512k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€226k€149k▼
Amounts payable after more than one year17€70k€41k▼
Financial debts170/4€70k€41k▼
Amounts payable within one year42/48€156k€107k▼
Current portion of amounts payable after more than one year42€40k€29k▼
Financial debts43-€725
Credit institutions430/8-€725
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€50k€66k▲
Taxes450/3€15k€24k▲
Remuneration and social security454/9€35k€42k▲
Other amounts payable47/48€55k€2k▼
Accrued charges and deferred income492/3€508€680▲
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Remuneration, social security and pensions62€369k€336k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€67k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€398k€469k▲
Operating profit (loss)9901€-36k€63k▲
Financial income75/76B€6k€4k▼
Recurring financial income75€6k€4k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€-34k€64k▲
Income taxes67/77€2k€17k▲
Profit (loss) for the period9904€-35k€47k▲
Transfer to tax-exempt reserves689€764€764=
Profit (loss) for the period to be appropriated9905€-36k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€46k▲
Transfer from equity791/2€91k€0▼
Transfer to equity691/2-€46k
To other reserves6921-€46k
Profit to be distributed694/7€55k€0▼
Return on contributions (dividend)694€55k€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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-35k
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Grimbergen · 1 establishment unit since 2003
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.
Kerkveldweg 261851 GrimbergenGround area
1,971 m²
Building footprint
334 m²
Volume, LiDAR
2,409 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brusselsesteenweg 132, 1980 Zemst
since 20032.131.489.480
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23036B0538/00B000 | Flanders | 1,793 m² | 1 · 156 m² | 8.0 m · 2 fl. |
| 23096C0540/00S000 | Flanders | 178 m² | 1 · 178 m² | 11.7 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 56 EUR awarded · 56 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 56 EUR | 56 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
875500V3Z8J7CKJSPC61
Similar companies · same sector, comparable size
CAIRN
BE 0892.214.512
Etterbeek · Eq €553,096
ZAKENKANTOOR BEKAERT - VANDERMEERSCH
BE 0442.071.065
Moorslede · Eq €551,463
PRICE & QUALITY FINANCIAL SERVICES
BE 0461.032.486
Zwevegem · Eq €551,404
Bank- en verzekeringsagent Zuid-Oost Vlaanderen
BE 0466.990.959
Sint-Lievens-Houtem · Eq €549,593
Meulepas Kathleen bv
BE 0478.988.869
Lennik · Eq €549,573
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 992 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2001
Fiscal year end31-12
Trade name NL
ZAKENKANTOOR VAN HAUTE
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.