H&D bouw
ActiveH&D bouw has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €16k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 18% of 7415 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+4
Solvency35▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.05 in 2024; short-term debt: 90.4% and cash: 9.3% of total assets), and 90.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+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 →
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
9.6%
Return on assets
2.7%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7415 sector peers (2025).
NBB · sector comparisonPosition among 7415 sector peers
Solvency
better than 18%
← 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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
31 d early
2023
1 d early
2022
23 d early
2021
24 d early
2020
24 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▲ 38.7%
2024 · €41k
2018: €24k
2019: €25k
2020: €29k
2021: €47k
2022: €45k
2023: €43k
2024: €41k
2018 → 2025
Total assets
€597k▲ 2.8%
2024 · €580k
2018: €368k
2019: €363k
2020: €366k
2021: €449k
2022: €446k
2023: €548k
2024: €580k
2018 → 2025
Net result
€16k
2024 · €-1k
2018: €706
2019: €1k
2020: €4k
2021: €18k
2022: €-2k
2023: €-2k
2024: €-1k
2018 → 2025
Working capital
€49k▲ 76.2%
2024 · €28k
2018: €-19k
2019: €-12k
2020: €-23k
2021: €4k
2022: €10k
2023: €17k
2024: €28k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€45k▼ 4.3%€43k▼ 4.3%€41k▼ 3.5%€57k▲ 38.7%
Operating result€18k-€-908€-2k▼ 99.8%€-1k▲ 23.7%€21k
Net result€18k-€-2k€-2k▲ 3.8%€-1k▲ 23.6%€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €21k after a loss of €1k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €597k
Fixed assets
€8k▼ 39.3%
Current assets
€588k▲ 3.8%
Equity and liabilities €597k
Equity
€57k▲ 38.7%
Debt
€539k=
The debt ratio falls from 92.9% to 90.4%. Equity is higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €11k
Cash flow
€25k▲
2024 · €11k
Solvency
9.6%▲
2024 · 7.1%
Current ratio
1.09▲
2024 · 1.05
Quick ratio
0.11▲
2024 · 0.07
Debt / equity
9.39▼
2024 · 13.02
ROE
27.9%▲
2024 · -3.6%
ROA
2.7%▲
2024 · -0.3%
Interest coverage
295.25▲
2024 · 111.04
Debt
€539k=
2024 · €539k
Debt ≤ 1 year
€539k=
2024 · €539k
Income taxes
€5k
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€580k€597k▲
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€13k€8k▼
Plant, machinery and equipment23€11k€7k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€567k€588k▲
Stocks and contracts in progress3€530k€531k▲
Stocks30/36€530k€531k▲
Amounts receivable within one year40/41€13k€2k▼
Trade receivables40€13k€2k▼
Other amounts receivable41€445€198▼
Cash at bank and in hand54/58€24k€55k▲
Equity and liabilities
Total equity and liabilities10/49€580k€597k▲
Equity10/15€41k€57k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€21k€37k▲
Amounts payable17/49€539k€539k=
Amounts payable within one year42/48€539k€539k=
Trade debts44€6k€773▼
Suppliers440/4€6k€773▼
Taxes, remuneration and social security45€70€5k▲
Taxes450/3€70€5k▲
Other amounts payable47/48€533k€533k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€9k▼
Other operating charges640/8€2k€5k▲
Gross operating margin9900€14k€35k▲
Operating profit (loss)9901€-1k€21k▲
Financial income75/76B€0€35▲
Recurring financial income75€0€35▲
Financial charges65/66B€102€102▼
Recurring financial charges65€102€102▼
Profit (loss) for the period before taxes9903€-1k€21k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-1k€16k▲
Profit (loss) for the period to be appropriated9905€-1k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€21k€37k▲
Profit (loss) brought forward from the previous period14P€22k€21k▼
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-2k ▼111%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €18k ▲317%
Net result €18k, the highest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beringen · 1 establishment unit since 2012
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.
Heerbosstraat 383583 BeringenGround area
2,219 m²
Building footprint
222 m²
Volume, LiDAR
1,377 m³
Parcel 71382D0575/00L000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H&D Bouw
since 20122.210.988.306
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71382D0575/00L000 | Flanders | 2,219 m² | 1 · 222 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 533 EUR awarded · 533 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 533 EUR | 533 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,801 companies in sector 41001 we hold annual accounts for 16,041. 13,166 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-2012
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.