S. Hendrickx
ActiveThe computed 12-month bankruptcy probability of S. Hendrickx is 2.2% (moderate). The 2025 annual accounts show equity of €54k and a net result of €21k. Its solvency ranks better than 73% of 27386 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
93
/ 100
Excellent▲ +32 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+41
Growth52
Stability82
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 0.72 in 2024), and 31.2% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 43
Relative position
BE, all sectors
reference
Sector 43
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
68.8%
Return on assets
27.1%
Age of the figures
8 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 64.9%
2024 · €33k
2024: €33k
2024 → 2025
Total assets
€79k▼ 15.0%
2024 · €93k
2024: €93k
2024 → 2025
Net result
€21k▼ 23.4%
2024 · €28k
2024: €28k
2024 → 2025
Working capital
€13k
2024 · €-17k
2024: €-17k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€33k-€54k▲ 64.9%
Operating result€37k-€31k▼ 17.9%
Net result€28k-€21k▼ 23.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€41k▼ 17.4%
Current assets
€38k▼ 12.4%
Equity and liabilities €79k
Equity
€54k▲ 64.9%
Debt
€25k▼ 58.9%
The debt ratio falls from 64.6% to 31.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €38k
Cash flow
€31k▲
2024 · €28k
Solvency
68.8%▲
2024 · 35.4%
Current ratio
1.54▲
2024 · 0.72
Quick ratio
1.54▲
2024 · 0.72
Debt / equity
0.45▼
2024 · 1.82
ROE
39.4%▼
2024 · 84.8%
ROA
27.1%▼
2024 · 30.0%
Interest coverage
205.69▼
2024 · 280.84
Debt
€25k▼
2024 · €60k
Debt ≤ 1 year
€25k▼
2024 · €60k
Income taxes
€9k▼
2024 · €9k
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€93k€79k▼
Fixed assets21/28€49k€41k▼
Tangible fixed assets22/27€49k€41k▼
Furniture and vehicles24€49k€39k▼
Other tangible fixed assets26-€1k
Current assets29/58€43k€38k▼
Amounts receivable within one year40/41€4k€28k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€1k€22k▲
Cash at bank and in hand54/58€40k€10k▼
Equity and liabilities
Total equity and liabilities10/49€93k€79k▼
Equity10/15€33k€54k▲
Contributions10/11€5k€5k=
Reserves13€28k€49k▲
Distributable reserves133€28k€49k▲
Amounts payable17/49€60k€25k▼
Amounts payable within one year42/48€60k€25k▼
Trade debts44€51k€11k▼
Suppliers440/4€51k€11k▼
Taxes, remuneration and social security45€9k€13k▲
Taxes450/3€9k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€617€10k▲
Gross operating margin9900€38k€41k▲
Operating profit (loss)9901€37k€31k▼
Financial income75/76B-€28
Recurring financial income75-€28
Financial charges65/66B€135€198▲
Recurring financial charges65€135€198▲
Profit (loss) for the period before taxes9903€37k€30k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€28k€21k▼
Profit (loss) for the period to be appropriated9905€28k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€21k▼
Transfer to equity691/2€28k€21k▼
To other reserves6921€28k€21k▼
The notes to these accounts (5 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
31-12
Financial
Liquidity doublescurrent ratio 1.54
Current ratio from 0.72 to 1.54; short-term debt falls from €60k to €25k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
VERKOOIJEN Linda Adriana Elizabeth
CurrentDirector · since 12-01-2026
12-01-2026
Appointed as Director
Location & real-estate footprint
Registered office, Hoogstraten · 1 establishment unit since 2024
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.
Capucienenbos 22328 HoogstratenGround area
351 m²
Building footprint
101 m²
Volume, LiDAR
157 m³
Parcel 13022D0496/00S000, Flanders · tallest building 4.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S. Hendrickx
since 20242.356.131.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13022D0496/00S000 | Flanders | 351 m² | 1 · 101 m² | 4.1 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.
Similar companies · same sector, comparable size
Project
BE 0765.809.654
Leuven · Eq €54k
ZM Bulkline
BE 0841.535.079
Antwerpen · Eq €54k
Algemene Bouwwerken Calaerts
BE 0831.892.685
Herentals · Eq €54k
ERIAN
BE 0475.223.289
Diepenbeek · Eq €54k
Dela Energy
BE 0790.405.191
Wingene · Eq €54k
Of 4,060 companies in sector 43240 we hold annual accounts for 1,616. 1,329 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2024
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43130Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.