HAND
ActiveThe computed 12-month bankruptcy probability of HAND is 3.8% (moderate). The 2025 annual accounts show equity of €7k and a net result of €57. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 3619 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-61
Solvency42▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 29-07-2026, 2 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
2 d early
2024
26 d late
2023
22 d late
2022
30 d late
2021
31 d late
2020
30 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€57▼ 99.7%
2024 · €18k
2020: €-8k
2021: €20k
2022: €-15k
2023: €-14k
2024: €18k
2020 → 2025
Working capital
€6k▼ 1.3%
2024 · €6k
2020: €3k
2021: €19k
2022: €854
2023: €-7k
2024: €6k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€3k▼ 82.4%€-11k€7k€7k▲ 0.8%
Operating result€21k-€-14k€-12k▲ 13.0%€24k€6k▼ 72.9%
Net result€20k-€-15k€-14k▲ 7.1%€18k€57▼ 99.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€11k▼ 31.2%
Current assets
€33k▼ 0.9%
Equity and liabilities €43k
Equity
€7k▲ 0.8%
Debt
€36k▼ 12.8%
The debt ratio falls from 84.9% to 82.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2024 · €30k
Cash flow
€5k▼
2024 · €25k
Solvency
17.1%▲
2024 · 15.1%
Current ratio
1.20▼
2024 · 1.21
Quick ratio
1.14▲
2024 · 1.13
Debt / equity
4.86▼
2024 · 5.62
ROE
0.8%▼
2024 · 248.6%
ROA
0.1%▼
2024 · 37.5%
Interest coverage
1.91▼
2024 · 5.57
Debt
€36k▼
2024 · €41k
Debt ≤ 1 year
€27k▼
2024 · €27k
Debt > 1 year
€9k▼
2024 · €14k
Income taxes
€311▲
2024 · €49
Staff costs
€58k▲
2024 · €53k
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€49k€43k▼
Fixed assets21/28€16k€11k▼
Tangible fixed assets22/27€16k€11k▼
Plant, machinery and equipment23€4k€2k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€10k€8k▼
Financial fixed assets28€175€175=
Current assets29/58€33k€33k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€15k€4k▼
Trade receivables40€15k€4k▼
Other amounts receivable41€383€116▼
Cash at bank and in hand54/58€11k€20k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€49k€43k▼
Equity10/15€7k€7k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€41k€36k▼
Amounts payable after more than one year17€14k€9k▼
Financial debts170/4€14k€9k▼
Amounts payable within one year42/48€27k€27k▼
Current portion of amounts payable after more than one year42€6k€5k▼
Trade debts44€10k€12k▲
Suppliers440/4€10k€12k▲
Taxes, remuneration and social security45€9k€9k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€8k
Remuneration, social security and pensions62€53k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€8k
Gross operating margin9900€85k€81k▼
Operating profit (loss)9901€24k€6k▼
Financial income75/76B€2€2▼
Recurring financial income75€2€2▼
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€18k€368▼
Income taxes67/77€49€311▲
Profit (loss) for the period9904€18k€57▼
Profit (loss) for the period to be appropriated9905€18k€57▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€1k▲
Profit (loss) brought forward from the previous period14P€-17k€1k▲
Social balance
Average headcount (FTE)90871.31.2▼
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 26 days late
2024
31-12
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 22 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼176%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Marche-en-Famenne · 1 establishment unit since 2019
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.
Marche, Avenue de France 1836900 Marche-en-FamenneGround area
2,343 m²
Building footprint
534 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
HAND
since 20192.292.248.570
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0432/00H000 ProtectedMonument |
Wallonia | 1,893 m² | 1 · 463 m² | - |
| 83034A0689/00H004 | Wallonia | 450 m² | 1 · 72 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteMarche-en-Famenne2.292.248.570
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Of 21,904 companies in sector 56112 we hold annual accounts for 9,779. 6,174 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-08-2019
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
47242Retail sale of chocolate and confectionery
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:haveaniceday@outlokk.be
Phone:+32490437669