HDT4BUSINESS
ActiveSummary
HDT4BUSINESS has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €19k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 63% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-1
Solvency92▲+10
Growth52▼-6
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 1.57 in 2024; short-term debt: 23.8% and cash: 51.6% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.6%
Return on assets
10.8%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 25-07-2026, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
6 d early
2024
16 d early
2023
16 d early
2022
48 d early
2021
89 d early
2020
102 d early
2019
22 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€118k▲ 1.8%
2024 · €116k
2018: €116k
2019: €138k
2020: €130k
2021: €138k
2022: €138k
2023: €137k
2024: €116k
2018 → 2025
Total assets
€177k▼ 13.2%
2024 · €204k
2018: €192k
2019: €216k
2020: €180k
2021: €214k
2022: €239k
2023: €222k
2024: €204k
2018 → 2025
Net result
€19k▼ 18.0%
2024 · €23k
2018: €21k
2019: €22k
2020: €17k
2021: €25k
2022: €30k
2023: €19k
2024: €23k
2018 → 2025
Working capital
€64k▲ 57.3%
2024 · €41k
2018: €131k
2019: €169k
2020: €127k
2021: €176k
2022: €169k
2023: €155k
2024: €41k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€138k=€137k▼ 0.8%€116k▼ 15.2%€118k▲ 1.8%
Operating result€37k-€45k▲ 22.1%€32k▼ 27.6%€35k▲ 8.8%€29k▼ 18.5%
Net result€25k-€30k▲ 21.2%€19k▼ 35.7%€23k▲ 20.5%€19k▼ 18.0%
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 falls in 2025; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €177k
Fixed assets
€71k ▼ 22.9%
Current assets
€106k ▼ 5.2%
Equity and liabilities €177k
Equity
€118k ▲ 1.8%
Debt
€59k ▼ 33.0%
Debt's share of the balance-sheet total falls from 43.2% to 33.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €59k
Cash flow
€43k▼
2024 · €47k
Current ratio
2.52▲
2024 · 1.57
Debt to equity
0.50▼
2024 · 0.76
ROE
16.3%▼
2024 · 20.2%
ROA
10.8%▼
2024 · 11.5%
Interest coverage
30.33▼
2024 · 39.13
Debt ≤ 1 year
€42k▼
2024 · €71k
Debt > 1 year
€17k=
2024 · €17k
Income taxes
€8k▼
2024 · €10k
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 · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€204k€177k▼
Fixed assets21/28€92k€71k▼
Tangible fixed assets22/27€92k€71k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€91k€70k▼
Current assets29/58€112k€106k▼
Amounts receivable within one year40/41€10k€10k▼
Trade receivables40€6k€10k▲
Other amounts receivable41€4k-
Cash at bank and in hand54/58€99k€91k▼
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€204k€177k▼
Equity10/15€116k€118k▲
Reserves13€116k€118k▲
Distributable reserves133€116k€118k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€88k€59k▼
Amounts payable after more than one year17€17k€17k=
Financial debts170/4€17k€17k=
Amounts payable within one year42/48€71k€42k▼
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€21k€21k▼
Taxes450/3€15k€21k▲
Remuneration and social security454/9€6k-
Other amounts payable47/48€46k€18k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€100k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▲
Other operating charges640/8€1k€836▼
Gross operating margin9900€60k€53k▼
Operating profit (loss)9901€35k€29k▼
Financial income75/76B€2-
Recurring financial income75€2-
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€34k€27k▼
Income taxes67/77€10k€8k▼
Profit (loss) for the period9904€23k€19k▼
Profit (loss) for the period to be appropriated9905€23k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€19k▼
Profit (loss) brought forward from the previous period14P-€0
Transfer from equity791/2€24k€17k▼
Transfer to equity691/2€23k€19k▼
To other reserves6921€23k€19k▼
Profit to be distributed694/7€24k€17k▼
Return on contributions (dividend)694€24k€17k▼
The notes to these accounts (7 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
25-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €30k ▲21.2%
Operating result €45k, net result €30k, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €17k ▼21.8%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-05
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
2 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, Geraardsbergen
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.
Resteleustraat(Ove) 39500 GeraardsbergenGround area
2,628 m²
Building footprint
290 m²
Volume, LiDAR
1,177 m³
Parcel 41056B0330/00G000, Flanders · tallest building 6.4 m, ±1 floor. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41056B0330/00G000 | Flanders | 2,628 m² | 1 · 290 m² | 6.4 m · 1 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.
Similar companies · same sector, comparable size
VCS Holding
BE 0752.987.739
Essen · Eq €117,853
LATHOKA
BE 0780.512.280
Jabbeke · Eq €117,993
FIL Business Consulting
BE 0800.336.904
Geel · Eq €117,689
ANSEELE TOM
BE 0680.950.391
Moorslede · Eq €117,554
Christophe Van Schependom
BE 0809.422.933
Schoten · Eq €118,217
Of 5,699 companies in sector 70100 we hold annual accounts for 3,494. 2,308 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 formPrivate limited company
Founded17-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70100Activities of head offices
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
70200Business and other management consultancy
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.