H&G DELUXE
ActiveH&G DELUXE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €-9k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 65% of 7376 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
58
/ 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
Profitability37▼-60
Solvency82=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.36 in 2024; short-term debt: 15.8% and cash: 2.8% of total assets), and 42.6% 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
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 · 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 · 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 2025Solvency, return and age of the figures
Solvency
57.4%
Return on assets
-10.5%
Age of the figures
9 mo
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 · 5 filingsDeviation from the deadline
2025
29 d early
2024
30 d early
2023
29 d early
2022
27 d early
2021
25 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 15.5%
2024 · €60k
2021: €50k
2022: €12k
2023: €36k
2024: €60k
2021 → 2025
Total assets
€88k▼ 16.3%
2024 · €106k
2021: €81k
2022: €62k
2023: €57k
2024: €106k
2021 → 2025
Net result
€-9k
2024 · €24k
2021: €-16k
2022: €-38k
2023: €24k
2024: €24k
2021 → 2025
Working capital
€20k▲ 1.7%
2024 · €20k
2021: €27k
2022: €-7k
2023: €17k
2024: €20k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€12k▼ 75.8%€36k▲ 202%€60k▲ 66.1%€51k▼ 15.5%
Operating result€-18k-€-37k▼ 109%€25k€25k▼ 0.1%€-8k
Net result€-16k-€-38k▼ 135%€24k€24k▼ 1.3%€-9k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €25k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€54k▼ 23.7%
Current assets
€34k▼ 1.3%
Equity and liabilities €88k
Equity
€51k▼ 15.5%
Debt
€38k▼ 17.4%
The debt ratio falls from 43.1% to 42.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€9k▼
2024 · €33k
Cash flow
€7k▼
2024 · €32k
Solvency
57.4%▲
2024 · 56.9%
Current ratio
2.46▲
2024 · 2.36
Quick ratio
2.07▼
2024 · 2.34
Debt / equity
0.74▼
2024 · 0.76
ROE
-18.3%▼
2024 · 39.8%
ROA
-10.5%▼
2024 · 22.6%
Interest coverage
3.75▼
2024 · 21.09
Debt
€38k▼
2024 · €46k
Debt ≤ 1 year
€14k▼
2024 · €15k
Debt > 1 year
€23k▼
2024 · €31k
Income taxes
€203▲
2024 · €161
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€106k€88k▼
Fixed assets21/28€71k€54k▼
Tangible fixed assets22/27€69k€52k▼
Plant, machinery and equipment23€1k€600▼
Furniture and vehicles24€68k€52k▼
Financial fixed assets28€2k€2k=
Current assets29/58€35k€34k▼
Stocks and contracts in progress3€344€5k▲
Stocks30/36€344€434▲
Contracts in progress37-€5k
Amounts receivable within one year40/41€31k€26k▼
Trade receivables40€31k€26k▼
Other amounts receivable41€342-
Cash at bank and in hand54/58€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€106k€88k▼
Equity10/15€60k€51k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€59k€49k▼
Amounts payable17/49€46k€38k▼
Amounts payable after more than one year17€31k€23k▼
Financial debts170/4€31k€23k▼
Amounts payable within one year42/48€15k€14k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€161€1k▲
Remuneration and social security454/9€5k€4k▼
Other amounts payable47/48€18€18=
Accrued charges and deferred income492/3-€612
Income statement
Code20242025
Remuneration, social security and pensions62€169-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€17k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€35k€11k▼
Operating profit (loss)9901€25k€-8k▼
Financial income75/76B€345€945▲
Recurring financial income75€345€40▼
Non-recurring financial income76B-€905
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€24k€-9k▼
Income taxes67/77€161€203▲
Profit (loss) for the period9904€24k€-9k▼
Profit (loss) for the period to be appropriated9905€24k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€49k▼
Profit (loss) brought forward from the previous period14P€35k€59k▲
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.84
Current ratio from 0.84 to 1.84; short-term debt falls from €45k to €21k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series; recovery starts the following year.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Pajottegem · 1 establishment unit since 2009
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.
Molenstraat 431570 PajottegemGround area
1,141 m²
Building footprint
289 m²
Volume, LiDAR
950 m³
Parcel 23090A0111/00K000, Flanders · tallest building 6.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GARDEN DELUXE
since 20092.175.554.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23090A0111/00K000 | Flanders | 1,141 m² | 1 · 288 m² | 6.0 m · 1 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
2024 · 1 entry · 382 EUR awarded · 382 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 382 EUR | 382 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,079 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2009
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
01610Support activities for crop production
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
47761Retail sale of flowers, plants, seeds and fertilisers
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.