HL
ActiveSummary
HL has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €52k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▼-10
Solvency39▼-1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.66 against 0.76 in 2024; short-term debt: 12.3% and cash: 7.3% of total assets), and 85.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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
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
14.3%
Return on assets
3.5%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-03-2026, 50 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
50 d early
2024
29 d early
2023
5 d early
2022
2 d late
2021
4 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€212k▼ 9.8%
2024 · €235k
2021: €77k
2022: €146k
2023: €151k
2024: €235k
2021 → 2025
Total assets
€1.48M▼ 4.0%
2024 · €1.54M
2021: €329k
2022: €381k
2023: €1.58M
2024: €1.54M
2021 → 2025
Net result
€52k▼ 41.0%
2024 · €89k
2021: €75k
2022: €68k
2023: €5k
2024: €89k
2021 → 2025
Working capital
€-63k▼ 41.8%
2024 · €-44k
2021: €31k
2022: €71k
2023: €-145k
2024: €-44k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€146k▲ 88.3%€151k▲ 3.7%€235k▲ 55.3%€212k▼ 9.8%
Operating result€101k-€87k▼ 13.2%€29k▼ 66.9%€164k▲ 467%€115k▼ 29.7%
Net result€75k-€68k▼ 8.8%€5k▼ 92.1%€89k▲ 1,549%€52k▼ 41.0%
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 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.36M ▼ 3.0%
Current assets
€120k ▼ 13.5%
Equity and liabilities €1.48M
Equity
€212k ▼ 9.8%
Debt
€1.27M ▼ 2.9%
Debt's share of the balance-sheet total rises from 84.8% to 85.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€219k▼
2024 · €286k
Cash flow
€156k▼
2024 · €211k
Current ratio
0.66▼
2024 · 0.76
Debt to equity
5.99▲
2024 · 5.56
ROE
24.7%▼
2024 · 37.7%
ROA
3.5%▼
2024 · 5.7%
Interest coverage
5.17▼
2024 · 6.70
Debt ≤ 1 year
€182k▼
2024 · €183k
Debt > 1 year
€1.08M▼
2024 · €1.11M
Income taxes
€21k▼
2024 · €33k
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€1.54M€1.48M▼
Fixed assets21/28€1.40M€1.36M▼
Tangible fixed assets22/27€1.40M€1.36M▼
Land and buildings22€1.32M€1.27M▼
Plant, machinery and equipment23€17k€4k▼
Furniture and vehicles24€65k€87k▲
Current assets29/58€138k€120k▼
Amounts receivable within one year40/41€21k€89▼
Other amounts receivable41€21k€89▼
Cash at bank and in hand54/58€115k€108k▼
Deferred charges and accrued income490/1€3k€12k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.48M▼
Equity10/15€235k€212k▼
Contributions10/11€3k€3k=
Reserves13€232k€209k▼
Distributable reserves133€232k€209k▼
Amounts payable17/49€1.31M€1.27M▼
Amounts payable after more than one year17€1.11M€1.08M▼
Financial debts170/4€1.11M€1.08M▼
Amounts payable within one year42/48€183k€182k▼
Current portion of amounts payable after more than one year42€110k€95k▼
Trade debts44€6k€965▼
Suppliers440/4€6k€965▼
Taxes, remuneration and social security45-€7k
Taxes450/3-€7k
Other amounts payable47/48€67k€79k▲
Accrued charges and deferred income492/3€8k€8k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€122k€104k▼
Other operating charges640/8€14k€15k▲
Non-recurring operating charges66A-€939
Gross operating margin9900€300k€235k▼
Operating profit (loss)9901€164k€115k▼
Financial charges65/66B€43k€42k▼
Recurring financial charges65€43k€42k▼
Profit (loss) for the period before taxes9903€121k€73k▼
Income taxes67/77€33k€21k▼
Profit (loss) for the period9904€89k€52k▼
Profit (loss) for the period to be appropriated9905€89k€52k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€52k▼
Transfer from equity791/2-€74k
Transfer to equity691/2€84k€51k▼
To the legal reserve6920-€51k
To other reserves6921€84k-
Profit to be distributed694/7€5k€75k▲
Return on contributions (dividend)694-€74k
Directors or managers695€5k€2k▼
The notes to these accounts (8 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
14-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2021net €89k ▲1549%
Operating result €164k, net result €89k, both a record.
30-09
Financial
Equity above €200kEq €235k ▲55.3%
4 profitable years in a row build equity to €235k.
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €5k ▼92.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
30-09
Financial
Equity above €150kEq €151k ▲3.7%
3 profitable years in a row build equity to €151k.
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
30-09
Financial
Equity above €100kEq €146k ▲88.3%
2 profitable years in a row build equity to €146k.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneState Gazette actNBB 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, Putte · 1 establishment unit since 2020
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.
Krankhoevelei 122580 PutteGround area
3,398 m²
Building footprint
216 m²
Volume, LiDAR
1,305 m³
Parcel 12429A0013/00P000, Flanders · tallest building 13.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HL
since 20202.306.389.190
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12429A0013/00P000 | Flanders | 3,398 m² | 1 · 216 m² | 13.9 m · 2 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 39,601 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
Founded27-08-2020
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
64210Activities of holding companies
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.