Age26 yrs
Real estate1 parcel · 2,616 m²
Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of DE HOVEN is 0.9% (low). The 2025 annual accounts show equity of €792k and a net result of €7k. The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideA punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 27-08-2026 | 27 d late | 2026-00431851 |
| 31-12-2024 | 31-07-2025 | 24-07-2025 | 7 d early | 2025-00301373 |
| 31-12-2023 | 31-07-2024 | 25-07-2024 | 6 d early | 2024-00281989 |
| 31-12-2022 | 31-07-2023 | 28-03-2023 | 125 d early | 2023-00046571 |
| 31-12-2021 | 31-07-2022 | 14-06-2022 | 47 d early | 2022-20061026 |
| 31-12-2020 | 31-07-2021 | 11-05-2021 | 81 d early | 2021-13600523 |
| 31-12-2019 | 31-07-2020 | 06-08-2020 | 6 d late | 2020-39200396 |
| 31-12-2018 | 31-07-2019 | 28-06-2019 | 33 d early | 2019-27300495 |
| 31-12-2017 | 31-07-2018 | 16-07-2018 | 15 d early | 2018-34500252 |
| 31-12-2016 | 31-07-2017 | 20-06-2017 | 41 d early | 2017-20000549 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsLong-established
Founded in 2000, 26 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.9%
Low
0%0,5%1,5%4%10%≥25%
No NACE activity registered
+Long track record
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated schema)
EBIT marginNot published (abbreviated schema)
Net result€7k
Working capital€392k
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 27-08-2026 with the NBB · fiscal year 2025 · verkort
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €136k |
| Net profit | €7k |
| Cash flow | €96k |
| Staff costs | - |
| Income taxes | €0 |
| Dividends | - |
| Total assets | €1.85M |
| Equity | €792k |
| Debt | €1.06M |
| of which ≤ 1y | €691 |
| of which > 1y | €1.02M |
| Working capital | €392k |
| Employees (FTE) | 0.0 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 568.67 |
| Quick ratio | 568.67 |
| Working capital ratio | 21.2% |
| Solvency | 42.7% |
| Debt / equity | 1.34 |
| Long-term debt ratio | 1.29 |
| Interest coverage | 3.29 |
| Gross margin | - |
| Net margin | - |
| ROA | 0.4% |
| ROE | 0.9% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.85M |
| Fixed assets | 21/28 | €1.46M |
| Tangible fixed assets | 22/27 | €1.46M |
| Current assets | 29/58 | €393k |
| Amounts receivable within one year | 40/41 | €276 |
| Investments | 50/53 | €228k |
| Cash & bank | 54/58 | €164k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.85M |
| Equity | 10/15 | €792k |
| Contributions / capital | 10/11 | €970k |
| Reserves | 13 | €30k |
| Accumulated profits (losses) | 14 | €-208k |
| Amounts payable | 17/49 | €1.06M |
| Amounts payable after one year | 17 | €1.02M |
| Amounts payable within one year | 42/48 | €691 |
| Trade debts payable within one year | 44 | €119 |
| Income statement | ||
| Gross operating margin | 9900 | €176k |
| Operating result | 9901 | €47k |
| Financial income | 75 | €919 |
| Financial charges | 65 | €41k |
| Result before taxes | 9903 | €7k |
| Income taxes | 67/77 | €0 |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2025 · computed79
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Locations & real estate
Registered office
on the map · from the address registerParcels1
Ground area2,616 m²
Buildings1
Building footprint607 m²
Volume (LiDAR)2,883 m³
Tallest building6.1 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036B0268/00Z000 | Flanders | 2,616 m² | 1 · 606 m² | 6.1 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
1 act Address history · 1
04-10-2023
Registered-office move
All acts · 1
updated 2 years ago
2023
04-10-2023 Registered office moved to Retie
Analysis
Financial profile
4 of 5 axes measured64
/ 100
Strong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
79
Profitability
4
Solvency
87
Growth
-
Stability
85
Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads BankNames & trade names
| Legal nameNL | DE HOVEN |
Registered office
Veldenstraat 13
2470 Retie, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.