FINANCIERE VAN H.
ActiveSummary
FINANCIERE VAN H. has been active since 1956 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.40M and a net result of €250k. Equity is shrinking by ~17.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+17
Solvency55▲+5
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity tight (current ratio 1.1 against 0.93 in 2024; short-term debt: 69.7% and cash: 4.6% of total assets), and 69.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
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
30.3%
Return on assets
5.4%
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 26-08-2026, 26 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
26 d late
2024
28 d late
2023
28 d late
2022
32 d late
2021
40 d early
2020
46 d late
2019
60 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€250k
2024 · €-349k
2018: €2.38M
2019: €-761k
2020: €-563k
2021: €-360k
2022: €-319k
2023: €-350k
2024: €-349k
2018 → 2025
Working capital
€332k
2024 · €-225k
2018: €-3.88M
2019: €-4.29M
2020: €-961k
2021: €-938k
2022: €-620k
2023: €-353k
2024: €-225k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.17M-€1.85M▼ 14.7%€1.50M▼ 18.9%€1.15M▼ 23.2%€1.40M▲ 21.7%
Operating result€-438k-€-444k▼ 1.5%€-472k▼ 6.2%€-434k▲ 8.0%€-141k▲ 67.6%
Net result€-360k-€-319k▲ 11.4%€-350k▼ 9.9%€-349k▲ 0.4%€250k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €141k in 2025 against €434k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.63M
Fixed assets
€1.07M ▼ 22.3%
Current assets
€3.55M ▲ 12.9%
Equity and liabilities €4.63M
Equity
€1.40M ▲ 21.7%
Debt
€3.22M ▼ 4.5%
Debt's share of the balance-sheet total falls from 74.5% to 69.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€192k▼
2024 · €209k
Cash flow
€583k▲
2024 · €295k
Current ratio
1.10▲
2024 · 0.93
Debt to equity
2.30▼
2024 · 2.92
ROE
17.8%▲
2024 · -30.2%
ROA
5.4%▲
2024 · -7.7%
Interest coverage
173.90▼
2024 · 208.55
Debt ≤ 1 year
€3.22M▼
2024 · €3.37M
Income taxes
€459▼
2024 · €488
Staff costs
€10k▲
2024 · €10k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.53M€4.63M▲
Fixed assets21/28€1.38M€1.07M▼
Tangible fixed assets22/27€1.29M€987k▼
Land and buildings22€948k€699k▼
Plant, machinery and equipment23€194k€145k▼
Furniture and vehicles24€126k€97k▼
Other tangible fixed assets26€27k€46k▲
Financial fixed assets28€85k€85k=
Current assets29/58€3.15M€3.55M▲
Amounts receivable within one year40/41€41k€148k▲
Trade receivables40€4k€13k▲
Other amounts receivable41€37k€135k▲
Current investments50/53€2.86M€3.17M▲
Cash at bank and in hand54/58€231k€213k▼
Deferred charges and accrued income490/1€20k€22k▲
Equity and liabilities
Total equity and liabilities10/49€4.53M€4.63M▲
Equity10/15€1.15M€1.40M▲
Contributions10/11€1.10M€1.10M=
Capital10€1.10M€1.10M=
Issued capital100€1.10M€1.10M=
Revaluation surpluses12€7.71M€7.71M=
Reserves13€121k€121k=
Non-distributable reserves130/1€110k€110k=
Legal reserve130€110k€110k=
Tax-exempt reserves132€11k€11k=
Profit (loss) carried forward14€-7.77M€-7.52M▲
Amounts payable17/49€3.37M€3.22M▼
Amounts payable within one year42/48€3.37M€3.22M▼
Trade debts44€63k€26k▼
Suppliers440/4€63k€26k▼
Taxes, remuneration and social security45€461€468▲
Remuneration and social security454/9€461€468▲
Other amounts payable47/48€3.31M€3.20M▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€643k€333k▼
Other operating charges640/8€53k€66k▲
Gross operating margin9900€272k€268k▼
Operating profit (loss)9901€-434k€-141k▲
Financial income75/76B€87k€392k▲
Recurring financial income75€87k€392k▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€-348k€250k▲
Income taxes67/77€488€459▼
Profit (loss) for the period9904€-349k€250k▲
Profit (loss) for the period to be appropriated9905€-349k€250k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7.77M€-7.52M▲
Profit (loss) brought forward from the previous period14P€-7.43M€-7.77M▼
Social balance
Average headcount (FTE)90870.20.2=
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 26 days late
2025
31-12
Financial
Back to profitnet €250k
Net result €250k after 6 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
15-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 46 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €-761k ▼132%
Net result drops to €-761k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Woluwe · 1 establishment unit since 1956
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.
Generaal de Longuevillelaan 141150 Sint-Pieters-WoluweGround area
1,703 m²
Building footprint
448 m²
Volume, LiDAR
6,961 m³
Parcel 21019A0173/00L005, Brussels · tallest building 19.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Generaal de Longuevillelaan 14, 1150 Sint-Pieters-Woluwe
since 19562.005.627.230
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0173/00L005 | Brussels | 1,703 m² | 1 · 448 m² | 19.4 m · 6 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.
Recognitions · licences · registrations
Legal Entity Identifier
2221006JA522F5Z1N779
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-05-1956
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
Rapport du conseil d’administration. Approbation des comptes annuels. Affectation des résultats. Décharge aux administra- teurs. Divers. (27962) IMPRIMERIE WAGELMANS, société anonyme, rue Saint Hadelin 12, 4600 Visé Numéro d’entreprise 0403.930.467 Assemblée ordinaire au siège social le 16/6/2006, à 15 heures. Ordre du jour : Rapport du conseil d’administration. Approbation des comptes annuels. Affectation des résultats. Décharge aux administra- teurs. (27963) MOLLE ASSUREURS CONSEILS, société anonyme, rue Jules Destrée 365, 7390 Quaregnon Numéro d’entreprise 0417.159.584 Assemblée ordinaire au siège social le 15/06/2006, à 17 heures. Ordre du jour : Rapport du conseil d’administration. Appr ...