HEDUVER
ActiveHEDUVER has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €485k and a net result of €8k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 26% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability8▼-83
Solvency24▲+4
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days only on tighter terms
Liquidity short (current ratio 0.16 against 0.14 in 2024), and 76.2% 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.
−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 · 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
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
23.8%
Return on assets
0.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
29 d late
2022
26 d late
2021
25 d late
2020
21 d late
2019
41 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€485k▲ 1.7%
2024 · €477k
2021: €406k
2022: €393k
2023: €456k
2024: €477k
2021 → 2025
Total assets
€2.04M▼ 6.1%
2024 · €2.17M
2021: €2.08M
2022: €2.32M
2023: €2.36M
2024: €2.17M
2021 → 2025
Net result
€8k▼ 90.8%
2024 · €86k
2021: €228k
2022: €-13k
2023: €63k
2024: €86k
2021 → 2025
Working capital
€-962k▲ 9.5%
2024 · €-1.06M
2021: €-774k
2022: €-1.01M
2023: €-1.08M
2024: €-1.06M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€406k-€393k▼ 3.1%€456k▲ 15.9%€477k▲ 4.7%€485k▲ 1.7%
Operating result€302k-€-10k€111k€152k▲ 37.6%€-34k
Net result€228k-€-13k€63k€86k▲ 37.9%€8k▼ 90.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €34k after €152k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.04M
Fixed assets
€1.85M▼ 7.4%
Current assets
€184k▲ 10.0%
Equity and liabilities €2.04M
Equity
€485k▲ 1.7%
Provisions
€36k▼ 6.1%
Debt
€1.52M▼ 8.3%
The debt ratio falls from 76.3% to 74.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€121k▼
2024 · €321k
Cash flow
€163k▼
2024 · €255k
Solvency
23.8%▲
2024 · 22.0%
Current ratio
0.16▲
2024 · 0.14
Quick ratio
0.16▲
2024 · 0.14
Debt / equity
3.13▼
2024 · 3.47
ROE
1.6%▼
2024 · 18.1%
ROA
0.4%▼
2024 · 4.0%
Interest coverage
16.72▼
2024 · 34.19
Debt
€1.52M▼
2024 · €1.65M
Debt ≤ 1 year
€1.15M▼
2024 · €1.23M
Debt > 1 year
€370k▼
2024 · €423k
Income taxes
€-45k▼
2024 · €146k
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
Total assets
20/58€2.17M€2.04M▼
Fixed assets
21/28€2.00M€1.85M▼
Tangible fixed assets
22/27€2.00M€1.85M▼
Current assets
29/58€167k€184k▲
Amounts receivable within one year
40/41€21k€45k▲
Investments
50/53€4k-
Cash & bank
54/58€137k€134k▼
Total equity & liabilities
10/49€2.17M€2.04M▼
Equity
10/15€477k€485k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€458k€466k▲
Provisions & deferred taxes
16€38k€36k▼
Amounts payable
17/49€1.65M€1.52M▼
Amounts payable after one year
17€423k€370k▼
Amounts payable within one year
42/48€1.23M€1.15M▼
Trade debts payable within one year
44€48k€32k▼
Income statement
Code20242025
Gross operating margin
9900€355k€138k▼
Operating result
9901€152k€-34k▼
Financial income
75€535€2k▲
Financial charges
65€9k€7k▼
Result before taxes
9903€230k€-40k▼
Income taxes
67/77€146k€-45k▼
Net result for the period
9904€86k€8k▼
Result to be appropriated
9905€93k€15k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €63k
Net result €63k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
31-12
Financial
Weakest financial yearnet €-13k ▼106%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
21-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 21 days late
2020
10-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 41 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,137 companies in sector 70200 we hold annual accounts for 51,402. 34,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-1988
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
55203Holiday cottages, homes and apartments
62020IT consultancy
62200Computer consultancy and computer facilities management
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.