HonFleur
ActiveHonFleur has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €13k. Equity is growing by ~60.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 1287 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-21
Solvency50▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.46 against 1.38 in 2024; short-term debt: 41.3% and cash: 1% of total assets), and 75.1% 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+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
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
24.9%
Return on assets
3.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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
54 d late
2023
65 d late
2022
33 d early
2021
17 d early
2020
115 d early
2019
43 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 0.8%
2024 · €93k
2018: €-36k
2019: €-46k
2020: €-38k
2021: €-4k
2022: €32k
2023: €59k
2024: €93k
2018 → 2025
Total assets
€377k▼ 2.3%
2024 · €386k
2018: €501k
2019: €516k
2020: €447k
2021: €461k
2022: €438k
2023: €366k
2024: €386k
2018 → 2025
Net result
€13k▼ 62.9%
2024 · €34k
2018: €-9k
2019: €-9k
2020: €8k
2021: €34k
2022: €37k
2023: €27k
2024: €34k
2018 → 2025
Working capital
€71k▲ 26.0%
2024 · €56k
2018: €-79k
2019: €-99k
2020: €-51k
2021: €-30k
2022: €-40k
2023: €8k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€32k€59k▲ 82.4%€93k▲ 58.0%€94k▲ 0.8%
Operating result€48k-€46k▼ 4.0%€33k▼ 27.4%€49k▲ 47.3%€28k▼ 42.3%
Net result€34k-€37k▲ 8.6%€27k▼ 27.0%€34k▲ 28.4%€13k▼ 62.9%
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 2025; 2025 is 42% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €377k
Fixed assets
€151k▼ 17.1%
Current assets
€227k▲ 11.0%
Equity and liabilities €377k
Equity
€94k▲ 0.8%
Debt
€283k▼ 3.2%
The debt ratio falls from 75.8% to 75.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€65k▼
2024 · €88k
Cash flow
€50k▼
2024 · €73k
Solvency
24.9%▲
2024 · 24.2%
Current ratio
1.46▲
2024 · 1.38
Quick ratio
1.42▲
2024 · 1.33
Debt / equity
3.01▼
2024 · 3.13
ROE
13.5%▼
2024 · 36.7%
ROA
3.4%▼
2024 · 8.9%
Interest coverage
3.35▼
2024 · 5.04
Debt
€283k▼
2024 · €293k
Debt ≤ 1 year
€156k▲
2024 · €148k
Debt > 1 year
€128k▼
2024 · €145k
Income taxes
€2k▲
2024 · €1k
Staff costs
€118k▲
2024 · €110k
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€386k€377k▼
Fixed assets21/28€182k€151k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€179k€149k▼
Plant, machinery and equipment23€19k€11k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€150k€128k▼
Other tangible fixed assets26€8k€9k▲
Current assets29/58€204k€227k▲
Amounts receivable after more than one year29€185k€205k▲
Other amounts receivable291€185k€205k▲
Stocks and contracts in progress3€7k€5k▼
Stocks30/36€7k€5k▼
Amounts receivable within one year40/41€5k€5k▲
Trade receivables40€2k€299▼
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€1k€4k▲
Deferred charges and accrued income490/1€7k€8k▲
Equity and liabilities
Total equity and liabilities10/49€386k€377k▼
Equity10/15€93k€94k▲
Contributions10/11€107k€107k=
Reserves13€5k€5k=
Non-distributable reserves130/1€729€729=
Reserves not available under the articles1311€729€729=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-18k€-18k▲
Amounts payable17/49€293k€283k▼
Amounts payable after more than one year17€145k€128k▼
Financial debts170/4€145k€128k▼
Amounts payable within one year42/48€148k€156k▲
Current portion of amounts payable after more than one year42€22k€26k▲
Financial debts43€27k€27k▲
Credit institutions430/8€27k€27k▲
Trade debts44€59k€56k▼
Suppliers440/4€59k€56k▼
Advances received on contracts in progress46€2k€2k▲
Taxes, remuneration and social security45€35k€28k▼
Taxes450/3€11k€11k▲
Remuneration and social security454/9€24k€16k▼
Other amounts payable47/48€3k€17k▲
Income statement
Code20242025
Remuneration, social security and pensions62€110k€118k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€37k▼
Other operating charges640/8€13k€13k▲
Gross operating margin9900€211k€196k▼
Operating profit (loss)9901€49k€28k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€17k€19k▲
Recurring financial charges65€17k€19k▲
Profit (loss) for the period before taxes9903€35k€14k▼
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€34k€13k▼
Profit (loss) for the period to be appropriated9905€34k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-6k▲
Profit (loss) brought forward from the previous period14P€-53k€-18k▲
Profit to be distributed694/7-€12k
Directors or managers695-€12k
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €37k ▲8.6%
Net result €37k, the highest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 76 days late
10-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 253 days late
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 135 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Middelkerke · 1 establishment unit since 2004
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.
Paul de Smet de Naeyerstraat 198430 MiddelkerkeGround area
224 m²
Building footprint
224 m²
Volume, LiDAR
2,218 m³
Parcel 35011B0180/00W064, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HonFleur
since 20042.137.458.247
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011B0180/00W064 | Flanders | 224 m² | 1 · 224 m² | 16.0 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 siteMiddelkerke2.137.458.247
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,034 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded08-06-2004
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
55101Hotels
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.