Haut-Regard
ActiveSummary
Haut-Regard has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €361k and a net result of €13k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 74% of 691 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2024
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▲+3
Solvency86▼-3
Growth32=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.01 against 1.42 in 2023; short-term debt: 22.9% and cash: 15.9% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 87
Relative position
BE, all sectors
reference
Sector 87
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
30 d early
2022
21 d late
2021
59 d early
2020
4 d early
2019
55 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k
2023 · €-4k
2018: €48k
2019: €16k
2020: €3k
2021: €-27k
2022: €-1k
2023: €-4k
2018 → 2024
Working capital
€136k▲ 123%
2023 · €61k
2018: €24k
2019: €49k
2020: €11k
2021: €52k
2022: €53k
2023: €61k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€380k-€353k▼ 7.1%€352k▼ 0.4%€348k▼ 1.2%€361k▲ 3.7%
Operating result€-20k-€-32k▼ 62.3%€-930▲ 97.1%€-4k▼ 340%€13k
Net result€3k-€-27k€-1k▲ 95.3%€-4k▼ 226%€13k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €13k after a loss of €4k in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €589k
Fixed assets
€318k ▼ 4.8%
Current assets
€271k ▲ 32.1%
Equity and liabilities €589k
Equity
€361k ▲ 3.7%
Provisions
€50k
Debt
€178k ▼ 6.8%
Debt's share of the balance-sheet total falls from 35.5% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▲
2023 · €24k
Cash flow
€41k▲
2023 · €24k
Current ratio
2.01▲
2023 · 1.42
Debt to equity
0.49▼
2023 · 0.55
ROE
3.5%▲
2023 · -1.2%
ROA
2.2%▲
2023 · -0.8%
Interest coverage
162.21▲
2023 · 148.71
Debt ≤ 1 year
€135k▼
2023 · €144k
Debt > 1 year
€102▼
2023 · €1k
Staff costs
€775k▲
2023 · €752k
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 · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€539k€589k▲
Fixed assets21/28€335k€318k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€315k€292k▼
Land and buildings22€304k€285k▼
Plant, machinery and equipment23€944€2k▲
Furniture and vehicles24€10k€5k▼
Financial fixed assets28€20k€27k▲
Current assets29/58€205k€271k▲
Amounts receivable after more than one year29€2k€12k▲
Other amounts receivable291€2k€12k▲
Amounts receivable within one year40/41€115k€164k▲
Trade receivables40€114k€164k▲
Other amounts receivable41€911€48▼
Cash at bank and in hand54/58€83k€94k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€539k€589k▲
Equity10/15€348k€361k▲
Contributions10/11€79k€79k=
Capital10€79k€79k=
Profit (loss) carried forward14€269k€282k▲
Provisions and deferred taxes16-€50k
Provisions for liabilities and charges160/5-€50k
Major repairs and maintenance162-€50k
Amounts payable17/49€192k€178k▼
Amounts payable after more than one year17€1k€102▼
Financial debts170/4€1k€102▼
Amounts payable within one year42/48€144k€135k▼
Current portion of amounts payable after more than one year42€1k€1k=
Trade debts44€50k€36k▼
Suppliers440/4€50k€36k▼
Taxes, remuneration and social security45€90k€94k▲
Remuneration and social security454/9€90k€94k▲
Accrued charges and deferred income492/3€46k€43k▼
Income statement
Code20232024
Remuneration, social security and pensions62€752k€775k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€779k€868k▲
Operating profit (loss)9901€-4k€13k▲
Financial income75/76B€80€30▼
Recurring financial income75€80€30▼
Financial charges65/66B€164€251▲
Recurring financial charges65€164€251▲
Profit (loss) for the period before taxes9903€-4k€13k▲
Profit (loss) for the period9904€-4k€13k▲
Profit (loss) for the period to be appropriated9905€-4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€269k€282k▲
Profit (loss) brought forward from the previous period14P€273k€269k▼
Social balance
Average headcount (FTE)90878.913.0▲
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
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-27k ▼886%
Net result drops to €-27k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2.65
Current ratio from 1.25 to 2.65; short-term debt falls from €43k to €32k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 55 days late
2019
27-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
13-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Waremme · 1 establishment unit since 2008
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.
Rue de Huy 1034300 WaremmeGround area
1,076 m²
Building footprint
128 m²
Volume, LiDAR
1,139 m³
Parcel 64074C0835/00Y000, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Haut-Regard
since 20082.197.831.740
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64074C0835/00Y000 | Wallonia | 1,076 m² | 1 · 128 m² | 10.7 m · 3 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
Food safety, FASFC
1 siteWaremme2.197.831.740
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TOP CONFORT HABITATION
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Of 322 companies in sector 87202 we hold annual accounts for 273. 161 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded07-03-1994
Fiscal year end31-12
Activities, NACEBEL 2025
87202Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.