Hespen Laura
ActiveHespen Laura has been active since 1973 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €431k and a net result of €32k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 63% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
77
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▲+37
Solvency74▲+5
Growth52▲+20
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 1.27 in 2024), and 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
45.3%
Return on assets
3.4%
Age of the figures
9 mo
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
7 d early
2023
9 d early
2022
32 d early
2021
24 d early
2020
4 d early
2019
4 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€431k▲ 8.1%
2024 · €398k
2018: €400k
2019: €537k
2020: €521k
2021: €543k
2022: €529k
2023: €512k
2024: €398k
2018 → 2025
Total assets
€951k▼ 2.2%
2024 · €973k
2018: €978k
2019: €1.19M
2020: €962k
2021: €918k
2022: €1.02M
2023: €1,000k
2024: €973k
2018 → 2025
Net result
€32k▲ 3,447%
2024 · €912
2018: €115k
2019: €133k
2020: €-16k
2021: €22k
2022: €-15k
2023: €-17k
2024: €912
2018 → 2025
Working capital
€123k▼ 9.3%
2024 · €136k
2018: €190k
2019: €265k
2020: €251k
2021: €226k
2022: €213k
2023: €253k
2024: €136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€543k-€529k▼ 2.7%€512k▼ 3.2%€398k▼ 22.1%€431k▲ 8.1%
Operating result€3k-€-12k€-22k▼ 72.4%€23k€43k▲ 82.7%
Net result€22k-€-15k€-17k▼ 16.0%€912€32k▲ 3,447%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 83% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €951k
Fixed assets
€359k▲ 10.0%
Current assets
€592k▼ 8.4%
Equity and liabilities €951k
Equity
€431k▲ 8.1%
Debt
€520k▼ 9.4%
The debt ratio falls from 59.0% to 54.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€134k▲
2024 · €104k
Cash flow
€123k▲
2024 · €82k
Solvency
45.3%▲
2024 · 41.0%
Current ratio
1.26▼
2024 · 1.27
Quick ratio
0.99▲
2024 · 0.87
Debt / equity
1.21▼
2024 · 1.44
ROE
7.5%▲
2024 · 0.2%
ROA
3.4%▲
2024 · 0.1%
Interest coverage
19.15▲
2024 · 3.12
Debt
€520k▼
2024 · €574k
Debt ≤ 1 year
€469k▼
2024 · €510k
Debt > 1 year
€52k▼
2024 · €64k
Income taxes
€8k▲
2024 · €541
Staff costs
€405k▼
2024 · €431k
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
Assets
Total assets20/58€973k€951k▼
Fixed assets21/28€327k€359k▲
Intangible fixed assets21-€28k
Tangible fixed assets22/27€327k€331k▲
Land and buildings22€96k€85k▼
Plant, machinery and equipment23€185k€206k▲
Furniture and vehicles24€46k€40k▼
Current assets29/58€646k€592k▼
Stocks and contracts in progress3€202k€126k▼
Stocks30/36€202k€126k▼
Amounts receivable within one year40/41€271k€270k▼
Trade receivables40€259k€266k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€154k€187k▲
Deferred charges and accrued income490/1€19k€9k▼
Equity and liabilities
Total equity and liabilities10/49€973k€951k▼
Equity10/15€398k€431k▲
Contributions10/11€136k€136k=
Reserves13€286k€286k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€282k€282k=
Profit (loss) carried forward14€-24k€8k▲
Amounts payable17/49€574k€520k▼
Amounts payable after more than one year17€64k€52k▼
Financial debts170/4€64k€52k▼
Amounts payable within one year42/48€510k€469k▼
Current portion of amounts payable after more than one year42€15k€12k▼
Financial debts43€100k€100k=
Credit institutions430/8€100k€100k=
Trade debts44€223k€216k▼
Suppliers440/4€223k€216k▼
Taxes, remuneration and social security45€54k€50k▼
Taxes450/3€3k€14k▲
Remuneration and social security454/9€51k€35k▼
Other amounts payable47/48€118k€90k▼
Accrued charges and deferred income492/3€163€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€431k€405k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€91k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€-20k
Other operating charges640/8€23k€43k▲
Gross operating margin9900€559k€562k▲
Operating profit (loss)9901€23k€43k▲
Financial income75/76B€12k€4k▼
Recurring financial income75€12k€4k▼
Financial charges65/66B€33k€7k▼
Recurring financial charges65€33k€7k▼
Profit (loss) for the period before taxes9903€1k€40k▲
Income taxes67/77€541€8k▲
Profit (loss) for the period9904€912€32k▲
Profit (loss) for the period to be appropriated9905€912€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€8k▲
Profit (loss) brought forward from the previous period14P€-25k€-24k▲
Transfer from equity791/2€114k€0▼
Profit to be distributed694/7€114k€0▼
Return on contributions (dividend)694€114k€0▼
Social balance
Average headcount (FTE)90876.96.3▼
The notes to these accounts (21 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €912
Net result €912 after 2 loss-making years.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €133k ▲16.2%
Net result €133k, the highest in the series.
31-12
Financial
Equity above €500kEq €537k ▲34.3%
2 profitable years in a row build equity to €537k.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
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
1 act for this company is 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, Koekelberg · 1 establishment unit since 1973
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.
Jetsesteenweg 3941081 KoekelbergGround area
121 m²
Building footprint
91 m²
Volume, LiDAR
783 m³
Parcel 21492B0003/00G007, Brussels · tallest building 14.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jetsesteenweg 394, 1081 Koekelberg
since 19732.009.451.208
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0003/00G007 | Brussels | 121 m² | 1 · 90 m² | 14.7 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 siteKoekelberg2.009.451.208
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Of 326 companies in sector 10130 we hold annual accounts for 230. 153 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1973
Fiscal year end31-12
Activities, NACEBEL
10130Manufacture of food products
15131
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.