HypoMaxa
ActiveThe computed 12-month bankruptcy probability of HypoMaxa is 1.6% (moderate). The 2025 annual accounts show negative equity (€-23k) and a net result of €10k. Equity is shrinking by ~53.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 7293 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
5
/ 100
Critical▼ -2 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency33=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
8 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7293 sector peers (2025).
NBB · sector comparisonPosition among 7293 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-02-2026, 154 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
154 d early
2024
147 d early
2023
19 d late
2022
80 d early
2021
11 d early
2020
36 d early
2019
122 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-23k▼ 30.8%
2024 · €-18k
2019: €11k
2020: €27k
2021: €28k
2022: €11k
2023: €1k
2024: €-18k
2019 → 2025
Total assets
€3k▲ 263%
2024 · €917
2019: €33k
2020: €42k
2021: €49k
2022: €46k
2023: €8k
2024: €917
2019 → 2025
Net result
€10k
2024 · €-19k
2019: €5k
2020: €16k
2021: €2k
2022: €-18k
2023: €-9k
2024: €-19k
2019 → 2025
Working capital
€-23k▼ 30.8%
2024 · €-18k
2019: €6k
2020: €23k
2021: €26k
2022: €10k
2023: €991
2024: €-18k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€11k▼ 62.5%€1k▼ 89.3%€-18k€-23k▼ 30.8%
Operating result€-3k-€-18k▼ 576%€-11k▲ 39.2%€-19k▼ 75.5%€16k
Net result€2k-€-18k€-9k▲ 46.3%€-19k▼ 98.2%€10k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €19k in 2024, the highest year so far.
Key figures and ratios
Debt
€26k▲
2024 · €19k
Debt ≤ 1 year
€26k▲
2024 · €19k
Income taxes
€6k▲
2024 · €0
Ratios withheld: a balance sheet total of €3k is too small for a meaningful ratio.
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€917€3k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€0-
Current assets29/58€917€3k▲
Amounts receivable within one year40/41€226€3k▲
Trade receivables40€0€3k▲
Other amounts receivable41€226€168▼
Cash at bank and in hand54/58€691€85▼
Equity and liabilities
Total equity and liabilities10/49€917€3k▲
Equity10/15€-18k€-23k▼
Contributions10/11€6k€6k=
Capital10-€6k
Issued capital100-€19k
Uncalled capital101-€12k
Reserves13€20k€15k▼
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Tax-exempt reserves132€15k-
Distributable reserves133€4k€14k▲
Profit (loss) carried forward14€-44k€-44k▲
Amounts payable17/49€19k€26k▲
Amounts payable within one year42/48€19k€26k▲
Other amounts payable47/48€19k€26k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114-
Other operating charges640/8€320€1k▲
Gross operating margin9900€-18k€17k▲
Operating profit (loss)9901€-19k€16k▲
Financial income75/76B€16€0▼
Recurring financial income75€16€0▼
Financial charges65/66B€44€70▲
Recurring financial charges65€44€70▲
Profit (loss) for the period before taxes9903€-19k€16k▲
Income taxes67/77€0€6k▲
Profit (loss) for the period9904€-19k€10k▲
Profit (loss) for the period to be appropriated9905€-19k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-34k▲
Profit (loss) brought forward from the previous period14P€-25k€-44k▼
Transfer from equity791/2-€15k
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7-€15k
Return on contributions (dividend)694-€15k
The notes to these accounts (2 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €10k
Net result €10k after 3 loss-making years.
06-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-19k
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2019net €16k ▲226%
Operating result €21k, net result €16k, both a record.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
30-06-2025
Edyta Lupinska: Resigned as Director
31-12-2024
Filip Schepens: Resigned as Director
06-11-2023
Filip Schepens: Resigned as Manager
Location & real-estate footprint
Registered office, Brasschaat · 1 establishment unit since 2018
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.
Kenislei 212930 BrasschaatGround area
680 m²
Building footprint
292 m²
Volume, LiDAR
1,780 m³
2 parcels, Flanders · tallest building 12.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bouwwerken Schepens Filip
since 20182.276.694.126
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0362/00R006 | Flanders | 569 m² | 1 · 180 m² | 12.3 m · 2 fl. |
| 44034C0964/00X000 | Flanders | 112 m² | 1 · 112 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
4 connected companiesNetwork connections
Shared address
→
Shared address
→
Shared address
→
Shared address
→
Similar companies · same sector, comparable size
NB CONSTRUCT CAR
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BE 1003.181.918
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MDA BATI
BE 0794.616.575
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VISION CONSTRUCT
BE 1009.539.871
Sint-Pieters-Leeuw · Eq €1k
DECLERCK
BE 0464.398.188
Oostrozebeke · Eq €1k
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 2,016 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43331Floor and wall tiling
46190Agents in non-specialised wholesale trade
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.