H.P.S.C. is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.82M and a net result of €393k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 68% of 5507 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
24 d early
2023
20 d early
2022
4 d late
2021
23 d early
2020
24 d early
2019
28 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.82M▲ 16.2%
2024 · €2.43M
2018: €1.08M
2019: €1.24M
2020: €1.24M
2021: €1.57M
2022: €1.53M
2023: €2.04M
2024: €2.43M
2018 → 2025
Net result
€393k▼ 9.4%
2024 · €434k
2018: €99k
2019: €160k
2020: €-4k
2021: €379k
2022: €122k
2023: €509k
2024: €434k
2018 → 2025
Total assets
€3.98M▲ 40.6%
2024 · €2.83M
2018: €1.70M
2019: €1.77M
2020: €1.73M
2021: €2.15M
2022: €2.21M
2023: €2.56M
2024: €2.83M
2018 → 2025
Solvency
70.8%▼ 14.9pp
2024 · 85.7%
2018: 63.4%
2019: 70.2%
2020: 71.4%
2021: 72.7%
2022: 69.3%
2023: 79.8%
2024: 85.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.57M-€1.53M▼ 2.1%€2.04M▲ 33.2%€2.43M▲ 18.8%€2.82M▲ 16.2%
Operating result€7k-€8k▲ 18.5%€261k▲ 3,254%€236k▼ 9.4%€229k▼ 3.2%
Net result€379k-€122k▼ 67.9%€509k▲ 318%€434k▼ 14.7%€393k▼ 9.4%
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 has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.98M
Fixed assets
€2.97M▲ 36.5%
Current assets
€1.01M▲ 54.3%
Equity and liabilities €3.98M
Equity
€2.82M▲ 16.2%
Debt
€1.16M▲ 187%
The debt ratio rises from 14.3% to 29.2%. Equity and debt are higher.
Key figures and ratios
Solvency
70.8%▼
2024 · 85.7%
ROE
13.9%▼
2024 · 17.9%
ROA
9.9%▼
2024 · 15.3%
Debt
€1.16M▲
2024 · €404k
Debt ≤ 1 year
€284k▲
2024 · €104k
Debt > 1 year
€877k▲
2024 · €301k
Income taxes
€49k▼
2024 · €96k
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€2.83M€3.98M▲
Fixed assets21/28€2.18M€2.97M▲
Tangible fixed assets22/27€1.18M€1.97M▲
Land and buildings22€865k€1.72M▲
Assets under construction and advance payments27€312k€250k▼
Financial fixed assets28€1.00M€1.00M=
Current assets29/58€654k€1.01M▲
Amounts receivable within one year40/41€302k€606k▲
Trade receivables40€275k€346k▲
Other amounts receivable41€27k€260k▲
Cash at bank and in hand54/58€351k€401k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€2.83M€3.98M▲
Equity10/15€2.43M€2.82M▲
Contributions10/11€519k€519k=
Reserves13€1.91M€2.30M▲
Distributable reserves133€1.91M€2.30M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€404k€1.16M▲
Amounts payable after more than one year17€301k€877k▲
Financial debts170/4€301k€877k▲
Amounts payable within one year42/48€104k€284k▲
Current portion of amounts payable after more than one year42€53k€160k▲
Trade debts44€6k€118k▲
Suppliers440/4€6k€118k▲
Taxes, remuneration and social security45€39k€6k▼
Taxes450/3€39k€0▼
Remuneration and social security454/9-€6k
Other amounts payable47/48€5k€0▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€40k▲
Other operating charges640/8€6k€27k▲
Gross operating margin9900€276k€296k▲
Operating profit (loss)9901€236k€229k▼
Financial income75/76B€300k€233k▼
Recurring financial income75€300k€233k▼
Financial charges65/66B€6k€19k▲
Recurring financial charges65€6k€19k▲
Profit (loss) for the period before taxes9903€530k€442k▼
Income taxes67/77€96k€49k▼
Profit (loss) for the period9904€434k€393k▼
Profit (loss) for the period to be appropriated9905€434k€393k▼
Appropriation of the result
Profit (loss) to be appropriated9906€434k€393k▼
Transfer from equity791/2€49k€0▼
Transfer to equity691/2€434k€393k▼
To other reserves6921€434k€393k▼
Profit to be distributed694/7€49k€0▼
Return on contributions (dividend)694€49k€0▼
The notes to these accounts (13 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €509k ▲318%
Operating result €261k, net result €509k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.47
Current ratio from 1.88 to 5.47; short-term debt falls from €274k to €163k.
31-12
Financial
Equity above €2MEq €2.04M ▲33.2%
3 profitable years in a row build equity to €2.04M.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 4 days late
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €379k
Net result €379k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 1.53
Current ratio from 0.66 to 1.53; short-term debt falls from €140k to €113k.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Deinze · 1 establishment unit since 2014
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.
Oudehofstraat 449850 DeinzeGround area
667 m²
Building footprint
136 m²
Volume, LiDAR
745 m³
Parcel 44070A0446/00R000, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
H.P.S.C.
since 20142.232.355.723
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44070A0446/00R000 | Flanders | 667 m² | 1 · 136 m² | 6.4 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 9,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.