HCVet · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HCVet is 0.2% (very low). The 2024 annual accounts show equity of €15k and a net result of €12k. Its solvency ranks better than 15% of 556 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 556 sector peers (2024).

View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-08-2025, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2024	31-07-2025	21-08-2025	21 d late	2025-00416531

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Young company

Founded in 2023, under 3 years, statistically higher risk.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Young company +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€12k

Working capital€8k

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 21-08-2025 with the NBB · fiscal year 2024 · micro

Sector comparison

Fiscal year 2024 · NACE 75 · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	14.3%	49.2%	better than 15% of 556 sector peers
Net result	€12k	€25k	better than 29% of 556 sector peers
Equity	€15k	€55k	better than 19% of 556 sector peers
Gross operating margin	€22k	€52k	better than 22% of 556 sector peers
Total assets	€108k	€136k	better than 41% of 556 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	-
Net profit	€12k
Cash flow	-
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€108k
Equity	€15k
Debt	€93k
of which ≤ 1y	€35k
of which > 1y	€58k
Working capital	€8k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	1.22
Quick ratio	1.07
Working capital ratio	7.1%
Solvency	14.3%
Debt / equity	5.99
Long-term debt ratio	3.75
Interest coverage	-
Gross margin	-
Net margin	-
ROA	11.1%
ROE	77.4%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €66k · 60.7% Current assets €43k · 39.3%

Equity & liabilities

Equity €15k · 14.3% Debt €93k · 85.7%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€108k
Fixed assets	21/28	€66k
Tangible fixed assets	22/27	€65k
Financial fixed assets	28	€825
Current assets	29/58	€43k
Stocks & contracts in progress	3	€5k
Amounts receivable within one year	40/41	€12k
Cash & bank	54/58	€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€108k
Equity	10/15	€15k
Contributions / capital	10/11	€4k
Accumulated profits (losses)	14	€12k
Amounts payable	17/49	€93k
Amounts payable after one year	17	€58k
Amounts payable within one year	42/48	€35k
Trade debts payable within one year	44	€1k
Income statement
Gross operating margin	9900	€22k
Operating result	9901	€22k
Financial charges	65	€6k
Result before taxes	9903	€15k
Income taxes	67/77	€3k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

Ratios computed by Checked.

Health barometer

FY 2024 · computed

60 / 100 Healthy

050100

Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Allée Croix-d'al-Faux, Godinne 455530 Yvoir

Establishment units

1 location

HCVet

Route d' Arville, Lorcy 28, 6870 Saint-HubertVeterinaire diensten

since 20232.350.639.404

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.