HARDHOUTHANDEL
ActiveHARDHOUTHANDEL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.32M and a net result of €-25k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 7912 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-11
Solvency88▼-3
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.95 against 3.42 in 2024), but 60% 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.
−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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 03-12-2025, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
38 d early
2023
50 d early
2022
74 d early
2021
45 d early
2020
40 d early
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.32M▼ 1.8%
2024 · €1.35M
2019: €932k
2020: €992k
2021: €1.12M
2022: €1.31M
2023: €1.32M
2024: €1.35M
2019 → 2025
Total assets
€3.31M▲ 4.8%
2024 · €3.16M
2019: €3.75M
2020: €4.02M
2021: €2.94M
2022: €2.58M
2023: €3.35M
2024: €3.16M
2019 → 2025
Net result
€-25k
2024 · €29k
2019: €42k
2020: €60k
2021: €129k
2022: €189k
2023: €10k
2024: €29k
2019 → 2025
Working capital
€2.08M▼ 0.3%
2024 · €2.09M
2019: €2.10M
2020: €2.06M
2021: €2.11M
2022: €2.19M
2023: €2.16M
2024: €2.09M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.12M-€1.31M▲ 16.9%€1.32M▲ 0.8%€1.35M▲ 2.2%€1.32M▼ 1.8%
Operating result€236k-€324k▲ 37.2%€107k▼ 67.1%€77k▼ 27.5%€4k▼ 94.4%
Net result€129k-€189k▲ 46.6%€10k▼ 94.7%€29k▲ 189%€-25k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 94% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.31M
Fixed assets
€159k▼ 23.3%
Current assets
€3.16M▲ 6.8%
Equity and liabilities €3.31M
Equity
€1.32M▼ 1.8%
Provisions
€519k▼ 1.5%
Debt
€1.47M▲ 14.4%
The debt ratio rises from 40.7% to 44.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€53k▼
2024 · €126k
Cash flow
€24k▼
2024 · €78k
Solvency
40.0%▼
2024 · 42.7%
Current ratio
2.95▼
2024 · 3.42
Quick ratio
1.82▼
2024 · 2.27
Debt / equity
1.11▲
2024 · 0.95
ROE
-1.9%▼
2024 · 2.1%
ROA
-0.7%▼
2024 · 0.9%
Interest coverage
0.44▼
2024 · 1.02
Debt
€1.47M▲
2024 · €1.29M
Debt ≤ 1 year
€1.07M▲
2024 · €865k
Debt > 1 year
€401k▼
2024 · €421k
Income taxes
€6k▼
2024 · €12k
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€3.16M€3.31M▲
Fixed assets21/28€208k€159k▼
Tangible fixed assets22/27€208k€159k▼
Land and buildings22€144k€115k▼
Furniture and vehicles24€107-
Leasing and similar rights25€64k€44k▼
Current assets29/58€2.95M€3.16M▲
Amounts receivable after more than one year29€1.80M€1.88M▲
Other amounts receivable291€1.80M€1.88M▲
Stocks and contracts in progress3€995k€1.20M▲
Stocks30/36€995k€1.20M▲
Amounts receivable within one year40/41€149k€61k▼
Trade receivables40€149k€61k▼
Cash at bank and in hand54/58€5k€11k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€3.16M€3.31M▲
Equity10/15€1.35M€1.32M▼
Contributions10/11€6k€6k=
Reserves13€1.34M€1.32M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.34M€1.32M▼
Provisions and deferred taxes16€527k€519k▼
Provisions for liabilities and charges160/5€527k€519k▼
Other liabilities and charges164/5€527k€519k▼
Amounts payable17/49€1.29M€1.47M▲
Amounts payable after more than one year17€421k€401k▼
Financial debts170/4€421k€401k▼
Amounts payable within one year42/48€865k€1.07M▲
Current portion of amounts payable after more than one year42€19k€20k▲
Financial debts43€650k€700k▲
Credit institutions430/8€650k€700k▲
Trade debts44€63k€204k▲
Suppliers440/4€63k€204k▲
Taxes, remuneration and social security45€25k€13k▼
Taxes450/3€25k€13k▼
Other amounts payable47/48€108k€134k▲
Accrued charges and deferred income492/3€1k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€48k▼
Other operating charges640/8€7k€7k▲
Gross operating margin9900€134k€60k▼
Operating profit (loss)9901€77k€4k▼
Financial income75/76B€88k€96k▲
Recurring financial income75€88k€96k▲
Financial charges65/66B€124k€119k▼
Recurring financial charges65€124k€119k▼
Profit (loss) for the period before taxes9903€41k€-19k▼
Income taxes67/77€12k€6k▼
Profit (loss) for the period9904€29k€-25k▼
Profit (loss) for the period to be appropriated9905€29k€-25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€29k€-25k▼
Transfer from equity791/2-€25k
Transfer to equity691/2€29k-
To other reserves6921€29k-
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
26-08
State Gazette act
Resignations & appointments · MiscellaneousGeneral meeting · Director appointment · Permanent representative5 facts ▸
State Gazette act
Resignations & appointments · Miscellaneous
General meeting · Director appointment · Permanent representative5 facts ▸
- General meeting, 2026-07-20
- Director appointment, BYTTE (bestuurder)
- Permanent representative, Kristiaan Byttebier
- Director resignation, Kristiaan Byttebier (bestuurder)
- Director discharge, Kristiaan Byttebier
2025
03-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-25k ▼186%
Net result drops to €-25k, the lowest in the series.
2024
24-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
18-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2019net €189k ▲46.6%
Operating result €324k, net result €189k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 15.18
Current ratio from 4.53 to 15.18; short-term debt falls from €597k to €155k.
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Liquidity doublescurrent ratio 4.53
Current ratio from 2.21 to 4.53; short-term debt falls from €1.70M to €597k.
30-06
Financial
Equity above €1MEq €1.12M ▲13%
3 profitable years in a row build equity to €1.12M.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
14-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
24-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
BYTTE
CurrentDirector · since 20-07-2026 · Private limited company · perm. rep.: Kristiaan Byttebier
20-07-2026
BYTTE: Appointed as Director
19-07-2026
Kristiaan Byttebier: Resigned as Director
Location & real-estate footprint
Registered office, Lier · 1 establishment unit since 2004
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.
Industriestraat 192500 LierGround area
2.7 ha
Building footprint
1.2 ha
Volume, LiDAR
91,716 m³
Parcel 12392A0452/00D000, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hardhouthandel
since 20042.135.889.520
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392A0452/00D000 | Flanders | 2.7 ha | 1 · 1.2 ha | 9.5 m · 3 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.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
HARDHOUTHANDELBE 0480.757.932
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Of 858 companies in sector 46832 we hold annual accounts for 587. 429 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2003
Fiscal year end30-06
Activities, NACEBEL
46832Wholesale of timber
46319Wholesale of fruit and vegetables, excluding potatoes
51310
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.