TRUCKS HWS
ActiveTRUCKS HWS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €12k. Equity is growing by ~16.4% per year across the filed fiscal years. Its solvency ranks better than 48% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-12
Solvency73▲+3
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.79 against 1.78 in 2024), but 64.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 →
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
35.2%
Return on assets
2.8%
Age of the figures
8 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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
29 d late
2024
16 d late
2023
11 d late
2022
10 d late
2021
13 d late
2020
23 d late
2019
49 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€12k▼ 16.7%
2024 · €14k
2018: €5k
2019: €10k
2020: €23k
2021: €14k
2022: €17k
2023: €16k
2024: €14k
2018 → 2025
Working capital
€76k▲ 47.8%
2024 · €51k
2018: €-8k
2019: €11k
2020: €56k
2021: €70k
2022: €90k
2023: €77k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€106k▲ 18.4%€122k▲ 14.9%€136k▲ 11.3%€148k▲ 8.5%
Operating result€25k-€28k▲ 11.6%€31k▲ 11.9%€28k▼ 9.4%€22k▼ 21.0%
Net result€14k-€17k▲ 22.2%€16k▼ 3.8%€14k▼ 12.7%€12k▼ 16.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421k
Fixed assets
€248k▼ 14.3%
Current assets
€172k▲ 47.3%
Equity and liabilities €421k
Equity
€148k▲ 8.5%
Debt
€273k▲ 0.9%
The debt ratio falls from 66.5% to 64.8%: equity grows faster than debt.
Key figures and ratios
EBITDA
€76k▼
2024 · €78k
Cash flow
€65k▲
2024 · €64k
Solvency
35.2%▲
2024 · 33.5%
Current ratio
1.79▲
2024 · 1.78
Quick ratio
0.17▼
2024 · 0.21
Debt / equity
1.84▼
2024 · 1.98
ROE
7.8%▼
2024 · 10.2%
ROA
2.8%▼
2024 · 3.4%
Interest coverage
10.99▲
2024 · 8.17
Debt
€273k▲
2024 · €270k
Debt ≤ 1 year
€96k▲
2024 · €66k
Debt > 1 year
€176k▼
2024 · €203k
Income taxes
€4k▼
2024 · €5k
Staff costs
€91k▲
2024 · €59k
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€407k€421k▲
Fixed assets21/28€290k€248k▼
Tangible fixed assets22/27€289k€243k▼
Plant, machinery and equipment23€93k€93k=
Furniture and vehicles24€196k€150k▼
Financial fixed assets28€588€6k▲
Current assets29/58€117k€172k▲
Stocks and contracts in progress3€103k€155k▲
Stocks30/36€103k€155k▲
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€3k€5k▲
Other amounts receivable41-€4k
Cash at bank and in hand54/58€9k€3k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€407k€421k▲
Equity10/15€136k€148k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€116k€127k▲
Amounts payable17/49€270k€273k▲
Amounts payable after more than one year17€203k€176k▼
Financial debts170/4€203k€176k▼
Amounts payable within one year42/48€66k€96k▲
Financial debts43€16k€43k▲
Credit institutions430/8-€27k
Other loans439€16k€16k=
Trade debts44€19k€14k▼
Suppliers440/4€19k€14k▼
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€2k-
Remuneration and social security454/9€5k€16k▲
Other amounts payable47/48€24k€24k=
Accrued charges and deferred income492/3€2k€754▼
Income statement
Code20242025
Remuneration, social security and pensions62€59k€91k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€54k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€839€238▼
Gross operating margin9900€141k€171k▲
Operating profit (loss)9901€28k€22k▼
Financial income75/76B-€150
Recurring financial income75-€150
Financial charges65/66B€10k€7k▼
Recurring financial charges65€10k€7k▼
Profit (loss) for the period before taxes9903€19k€15k▼
Income taxes67/77€5k€4k▼
Profit (loss) for the period9904€14k€12k▼
Profit (loss) for the period to be appropriated9905€14k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€116k€127k▲
Profit (loss) brought forward from the previous period14P€102k€116k▲
The notes to these accounts (10 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
16-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 16 days late
2024
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Equity above €100kEq €106k ▲18.4%
5 profitable years in a row build equity to €106k.
13-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 13 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Highest result since 2018net €23k ▲136%
Net result €23k, the highest in the series.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Marche-en-Famenne · 1 establishment unit since 2014
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.
Marloie, Rue Louis Henrotin 96900 Marche-en-FamenneGround area
4,536 m²
Building footprint
182 m²
Parcel 83053D0413/00H004, Wallonia. Linked by address, not a title deed.
1 establishment unit
TRUCKS HWS
since 20142.229.291.513
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83053D0413/00H004 | Wallonia | 4,536 m² | 1 · 182 m² | - |
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
T & R MANAGEMENT
BE 0832.750.146
Ieper · Eq €148k
Bauwens Trading
BE 0707.834.833
Brasschaat · Eq €146k
SPARE PARTS HOLDING
BE 0862.486.287
Sprimont · Eq €153k
ProSpectrum
BE 0465.302.169
Sivry-Rance · Eq €156k
NOBEL
BE 0415.202.659
Etterbeek · Eq €157k
Of 388 companies in sector 46630 we hold annual accounts for 276. 166 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-04-2014
Fiscal year end31-12
Activities, NACEBEL
47812Retail trade
46630Wholesale trade
45192
45194
45204
95319Other maintenance and repair of motor vehicles
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
46610Wholesale trade
46713Wholesale trade
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:hwsexport@hotmail.com
Phone:+32486419948