HD85
ActiveThe computed 12-month bankruptcy probability of HD85 is 3.7% (moderate). The 2024 annual accounts show equity of €38k and a net result of €314. Equity is growing by ~39.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 26043 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability40▼-41
Solvency38▲+1
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity short (current ratio 0.39 against 0.44 in 2023; short-term debt: 76.2% and cash: 1.8% of total assets), and 87% 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.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
13%
Return on assets
0.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 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.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
59 d late
2023
21 d late
2022
57 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€38k▲ 0.8%
2023 · €37k
2022: €8k
2023: €37k
2022 → 2024
Total assets
€291k▼ 5.1%
2023 · €306k
2022: €329k
2023: €306k
2022 → 2024
Net result
€314▼ 98.9%
2023 · €29k
2022: €3k
2023: €29k
2022 → 2024
Working capital
€-136k▼ 24.5%
2023 · €-109k
2022: €-112k
2023: €-109k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€8k-€37k▲ 347%€38k▲ 0.8%
Operating result€21k-€37k▲ 73.4%€11k▼ 69.5%
Net result€3k-€29k▲ 763%€314▼ 98.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 70% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €291k
Fixed assets
€205k▼ 6.3%
Current assets
€86k▼ 2.2%
Equity and liabilities €291k
Equity
€38k▲ 0.8%
Debt
€253k▼ 6.0%
The debt ratio falls from 87.8% to 87.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€25k▼
2023 · €50k
Cash flow
€14k▼
2023 · €43k
Solvency
13.0%▲
2023 · 12.2%
Current ratio
0.39▼
2023 · 0.44
Quick ratio
0.05▲
2023 · 0.03
Debt / equity
6.70▼
2023 · 7.19
ROE
0.8%▼
2023 · 77.6%
ROA
0.1%▼
2023 · 9.5%
Interest coverage
2.52▼
2023 · 6.71
Debt
€253k▼
2023 · €269k
Debt ≤ 1 year
€221k▲
2023 · €197k
Debt > 1 year
€32k▼
2023 · €73k
Income taxes
€889
Staff costs
€37k▲
2023 · €35k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€306k€291k▼
Fixed assets21/28€219k€205k▼
Intangible fixed assets21€213k€201k▼
Tangible fixed assets22/27€6k€4k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€150€150=
Current assets29/58€87k€86k▼
Stocks and contracts in progress3€81k€75k▼
Stocks30/36€81k€75k▼
Amounts receivable within one year40/41€2k€4k▲
Trade receivables40€1k€435▼
Other amounts receivable41€432€4k▲
Cash at bank and in hand54/58€4k€5k▲
Deferred charges and accrued income490/1€1k€801▼
Equity and liabilities
Total equity and liabilities10/49€306k€291k▼
Equity10/15€37k€38k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€32k€33k▲
Amounts payable17/49€269k€253k▼
Amounts payable after more than one year17€73k€32k▼
Financial debts170/4€73k€32k▼
Amounts payable within one year42/48€197k€221k▲
Current portion of amounts payable after more than one year42€40k€41k▲
Trade debts44€75k€76k▲
Suppliers440/4€75k€76k▲
Advances received on contracts in progress46-€650
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€6k€889▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€72k€98k▲
Income statement
Code20232024
Remuneration, social security and pensions62€35k€37k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€6k€810▼
Gross operating margin9900€92k€63k▼
Operating profit (loss)9901€37k€11k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€8k€10k▲
Recurring financial charges65€8k€10k▲
Profit (loss) for the period before taxes9903€29k€1k▼
Income taxes67/77-€889
Profit (loss) for the period9904€29k€314▼
Profit (loss) for the period to be appropriated9905€29k€314▼
Appropriation of the result
Profit (loss) to be appropriated9906€32k€33k▲
Profit (loss) brought forward from the previous period14P€3k€32k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Weakest financial yearnet €314 ▼98.9%
Net result drops to €314, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Highest result since 2022net €29k ▲763%
Operating result €37k, net result €29k, both a record.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
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, Evere · 1 establishment unit since 2021
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.
Vredeplein 191140 EvereGround area
198 m²
Building footprint
201 m²
Volume, LiDAR
1,992 m³
Parcel 21006A0359/00V000, Brussels · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HD85
since 20212.319.891.788
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0359/00V000 | Brussels | 198 m² | 1 · 201 m² | 14.5 m · 4 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 siteEvere2.319.891.788
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Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 4,540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2021
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.