L. Hoste
ActiveL. Hoste has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €7k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+33
Solvency47▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.16 in 2024; short-term debt: 78% and cash: 5.2% of total assets), and 78% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
22%
Return on assets
5.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
31 d late
2023
62 d early
2022
23 d late
2021
39 d early
2020
25 d late
2019
45 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€28k▲ 33.4%
2024 · €21k
2018: €12k
2019: €9k
2020: €11k
2021: €25k
2022: €26k
2023: €20k
2024: €21k
2018 → 2025
Total assets
€125k▼ 6.3%
2024 · €133k
2018: €165k
2019: €168k
2020: €148k
2021: €155k
2022: €134k
2023: €105k
2024: €133k
2018 → 2025
Net result
€7k▲ 621%
2024 · €956
2018: €2k
2019: €-3k
2020: €3k
2021: €14k
2022: €1k
2023: €-6k
2024: €956
2018 → 2025
Working capital
€16k▼ 9.6%
2024 · €18k
2018: €20k
2019: €-8k
2020: €-4k
2021: €11k
2022: €5k
2023: €16k
2024: €18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€26k▲ 4.3%€20k▼ 24.6%€21k▲ 4.9%€28k▲ 33.4%
Operating result€18k-€3k▼ 82.1%€-6k€6k€12k▲ 103%
Net result€14k-€1k▼ 92.3%€-6k€956€7k▲ 621%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 103% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €125k
Fixed assets
€12k▲ 293%
Current assets
€113k▼ 13.1%
Equity and liabilities €125k
Equity
€28k▲ 33.4%
Debt
€97k▼ 13.6%
The debt ratio falls from 84.5% to 78.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€14k▲
2024 · €9k
Cash flow
€8k▲
2024 · €4k
Solvency
22.0%▲
2024 · 15.5%
Current ratio
1.16▲
2024 · 1.16
Quick ratio
0.36▼
2024 · 0.47
Debt / equity
3.54▼
2024 · 5.47
ROE
25.1%▲
2024 · 4.6%
ROA
5.5%▲
2024 · 0.7%
Interest coverage
6.65▲
2024 · 2.79
Debt
€97k▼
2024 · €113k
Debt ≤ 1 year
€97k▼
2024 · €113k
Income taxes
€3k▲
2024 · €2k
Staff costs
€0▼
2024 · €305
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€133k€125k▼
Fixed assets21/28€3k€12k▲
Tangible fixed assets22/27€3k€12k▲
Land and buildings22-€10k
Plant, machinery and equipment23€799€0▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€130k€113k▼
Stocks and contracts in progress3€77k€78k▲
Stocks30/36€73k€74k▲
Contracts in progress37€4k€4k▼
Amounts receivable within one year40/41€38k€29k▼
Trade receivables40€38k€29k▼
Other amounts receivable41€538€0▼
Cash at bank and in hand54/58€15k€7k▼
Equity and liabilities
Total equity and liabilities10/49€133k€125k▼
Equity10/15€21k€28k▲
Contributions10/11€25k€25k=
Reserves13€16k€23k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€16k€23k▲
Profit (loss) carried forward14€-20k€-20k=
Amounts payable17/49€113k€97k▼
Amounts payable within one year42/48€113k€97k▼
Current portion of amounts payable after more than one year42€0€13k▲
Financial debts43€23k€0▼
Credit institutions430/8€23k€0▼
Trade debts44€7k€13k▲
Suppliers440/4€7k€13k▲
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€2k€5k▲
Remuneration and social security454/9€12k€6k▼
Other amounts payable47/48€69k€61k▼
Income statement
Code20242025
Remuneration, social security and pensions62€305€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€3k€5k▲
Gross operating margin9900€12k€18k▲
Operating profit (loss)9901€6k€12k▲
Financial income75/76B€12€16▲
Recurring financial income75€12€16▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€3k€10k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€956€7k▲
Profit (loss) for the period to be appropriated9905€956€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-13k▲
Profit (loss) brought forward from the previous period14P€-21k€-20k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Back to profitnet €956
Net result €956 after one loss-making year.
30-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼700%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €14k ▲438%
Operating result €18k, net result €14k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wingene · 1 establishment unit since 1985
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.
Pensionaatstraat 48755 WingeneGround area
270 m²
Building footprint
179 m²
Volume, LiDAR
794 m³
Parcel 37012E0002/00R000, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
L. Hoste-Gelaude BVBA
since 19852.027.687.109
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37012E0002/00R000 | Flanders | 270 m² | 1 · 179 m² | 7.6 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
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Of 462 companies in sector 47783 we hold annual accounts for 214. 148 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-1985
Fiscal year end31-12
Activities, NACEBEL
45441
47783Retail trade
47784Retail trade
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 40 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.