Tuinen HVM
ActiveSummary
The computed 12-month bankruptcy probability of Tuinen HVM is 2.2% (moderate). The 2025 annual accounts show equity of €68k and a net result of €39k. Its solvency ranks better than 44% of 4486 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
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency60▼-4
Growth78
Track record82
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.03 against 1.22 in 2024; short-term debt: 50.2% and cash: 6.8% of total assets), and 64.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 81
Relative position
BE, all sectors
reference
Sector 81
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
20.3%
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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
on the day
← 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
€68k▲ 136%
2024 · €29k
2024: €29k
2024 → 2025
Total assets
€193k▲ 158%
2024 · €75k
2024: €75k
2024 → 2025
Net result
€39k▲ 46.2%
2024 · €27k
2024: €27k
2024 → 2025
Working capital
€3k▼ 63.4%
2024 · €8k
2024: €8k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€29k-€68k▲ 136%
Operating result€34k-€51k▲ 52.6%
Net result€27k-€39k▲ 46.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 53% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€93k ▲ 185%
Current assets
€100k ▲ 138%
Equity and liabilities €193k
Equity
€68k ▲ 136%
Debt
€125k ▲ 172%
Debt's share of the balance-sheet total rises from 61.5% to 64.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €42k
Cash flow
€56k▲
2024 · €35k
Current ratio
1.03▼
2024 · 1.22
Debt to equity
1.84▲
2024 · 1.60
ROE
57.6%▼
2024 · 93.1%
ROA
20.3%▼
2024 · 35.9%
Interest coverage
53.78▼
2024 · 62.97
Debt ≤ 1 year
€97k▲
2024 · €34k
Debt > 1 year
€28k▲
2024 · €12k
Income taxes
€11k▲
2024 · €6k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€75k€193k▲
Fixed assets21/28€33k€93k▲
Tangible fixed assets22/27€33k€93k▲
Plant, machinery and equipment23€3k€32k▲
Furniture and vehicles24€29k€62k▲
Current assets29/58€42k€100k▲
Amounts receivable within one year40/41€9k€86k▲
Trade receivables40€9k€78k▲
Other amounts receivable41€113€8k▲
Cash at bank and in hand54/58€33k€13k▼
Deferred charges and accrued income490/1€284€527▲
Equity and liabilities
Total equity and liabilities10/49€75k€193k▲
Equity10/15€29k€68k▲
Contributions10/11€2k€2k=
Reserves13€27k€66k▲
Distributable reserves133€27k€66k▲
Amounts payable17/49€46k€125k▲
Amounts payable after more than one year17€12k€28k▲
Financial debts170/4€12k€28k▲
Amounts payable within one year42/48€34k€97k▲
Current portion of amounts payable after more than one year42€5k€15k▲
Trade debts44€5k€55k▲
Suppliers440/4€5k€55k▲
Taxes, remuneration and social security45€996€6k▲
Taxes450/3€396€529▲
Remuneration and social security454/9€600€5k▲
Other amounts payable47/48€23k€21k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€16k▲
Other operating charges640/8€713€2k▲
Gross operating margin9900€43k€69k▲
Operating profit (loss)9901€34k€51k▲
Financial income75/76B€63€19▼
Recurring financial income75€63€19▼
Financial charges65/66B€665€1k▲
Recurring financial charges65€665€1k▲
Profit (loss) for the period before taxes9903€33k€50k▲
Income taxes67/77€6k€11k▲
Profit (loss) for the period9904€27k€39k▲
Profit (loss) for the period to be appropriated9905€27k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€39k▲
Transfer to equity691/2€27k€39k▲
To other reserves6921€27k€39k▲
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Ledegem · 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.
Lendeleedsestraat 168880 LedegemGround area
1,211 m²
Building footprint
211 m²
Volume, LiDAR
1,129 m³
Parcel 36018A0538/00H000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tuinen HVM
since 20242.356.741.791
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36018A0538/00H000 | Flanders | 1,211 m² | 1 · 211 m² | 8.5 m · 2 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
LG TERRASSEMENT
BE 0759.604.129
Yvoir · Eq €67,961
FLORADA TUINAANLEG
BE 0776.819.847
Maasmechelen · Eq €67,899
ARTINOVA
BE 0873.472.924
Puurs-Sint-Amands · Eq €68,096
Matthieu Materne
BE 1003.962.965
Chapelle-lez-Herlaimont · Eq €67,855
SOLOMON CONSTRUCT
BE 0893.075.634
Landen · Eq €68,164
Of 21,216 companies in sector 81300 we hold annual accounts for 4,362. 3,644 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
Founded05-03-2024
Fiscal year end31-12
Activities, NACEBEL 2025
81300Landscape service activities
01610Support activities for crop production
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.