TOP HEKWERKEN
ActiveThe computed 12-month bankruptcy probability of TOP HEKWERKEN is 1.6% (moderate). The 2025 annual accounts show equity of €12k and a net result of €986. Its solvency ranks better than 66% of 11209 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-25
Solvency87▲+2
Growth52
Track record82
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.65 in 2024; short-term debt: 38.4% and cash: 9.3% of total assets), and 38.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
31 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€12k▲ 9.3%
2024 · €11k
2024: €11k
2024 → 2025
Total assets
€19k▲ 6.6%
2024 · €18k
2024: €18k
2024 → 2025
Net result
€986▼ 82.4%
2024 · €6k
2024: €6k
2024 → 2025
Working capital
€7k▲ 58.8%
2024 · €5k
2024: €5k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€11k-€12k▲ 9.3%
Operating result€8k-€2k▼ 75.2%
Net result€6k-€986▼ 82.4%
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 75% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €19k
Fixed assets
€4k▼ 28.1%
Current assets
€14k▲ 24.6%
Equity and liabilities €19k
Equity
€12k▲ 9.3%
Debt
€7k▲ 2.4%
The debt ratio falls from 39.9% to 38.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €10k
Cash flow
€3k▼
2024 · €8k
Solvency
61.6%▲
2024 · 60.1%
Current ratio
2.00▲
2024 · 1.65
Quick ratio
1.65▲
2024 · 1.65
Debt / equity
0.62▼
2024 · 0.66
ROE
8.5%▼
2024 · 52.9%
ROA
5.2%▼
2024 · 31.8%
Interest coverage
21.45▼
2024 · 626.19
Debt
€7k▲
2024 · €7k
Debt ≤ 1 year
€7k▲
2024 · €7k
Income taxes
€830▼
2024 · €2k
Staff costs
€0▼
2024 · €50
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€18k€19k▲
Fixed assets21/28€6k€4k▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€838€661▼
Furniture and vehicles24€838€661▼
Current assets29/58€12k€14k▲
Stocks and contracts in progress3-€3k
Contracts in progress37-€3k
Amounts receivable within one year40/41€10k€10k▼
Trade receivables40€9k€0▼
Other amounts receivable41€2k€10k▲
Cash at bank and in hand54/58€1k€2k▲
Deferred charges and accrued income490/1-€128
Equity and liabilities
Total equity and liabilities10/49€18k€19k▲
Equity10/15€11k€12k▲
Contributions10/11€5k€5k=
Reserves13€6k€7k▲
Distributable reserves133€6k€7k▲
Amounts payable17/49€7k€7k▲
Amounts payable within one year42/48€7k€7k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48-€90
Income statement
Code20242025
Remuneration, social security and pensions62€50€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8-€888
Gross operating margin9900€10k€5k▼
Operating profit (loss)9901€8k€2k▼
Financial income75/76B€7€0▼
Recurring financial income75€7€0▼
Financial charges65/66B€16€172▲
Recurring financial charges65€16€172▲
Profit (loss) for the period before taxes9903€8k€2k▼
Income taxes67/77€2k€830▼
Profit (loss) for the period9904€6k€986▼
Profit (loss) for the period to be appropriated9905€6k€986▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€986▼
Transfer to equity691/2€6k€986▼
To other reserves6921€6k€986▼
The notes to these accounts (9 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 · micro schema · 31 days late
NBB filing
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, Stekene · 1 establishment unit since 2023
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.
Kapellestraat(STE) 79190 StekeneGround area
3,016 m²
Building footprint
208 m²
Volume, LiDAR
902 m³
Parcel 46024B0898/00E000, Flanders · tallest building 5.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Fencero
since 20232.352.328.687
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46024B0898/00E000 | Flanders | 3,016 m² | 1 · 208 m² | 5.6 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.
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ISO - CHASSIS
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DAGMAAT
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Of 1,804 companies in sector 46831 we hold annual accounts for 1,398. 333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-11-2023
Fiscal year end31-12
Activities, NACEBEL
46831Wholesale of construction materials, general range
43320Joinery installation
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.