HOOFD & VERTOMMEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €13k and a net result of €82k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 16% of 1471 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 1471 sector peers (2025).
NBB · sector comparisonPosition among 1471 sector peers
Solvency
better than 16%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €13k
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
69 d early
2023
56 d early
2022
48 d early
2021
48 d early
2020
46 d early
2019
51 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€13k=
2024 · €13k
2018: €10k
2019: €17k
2020: €17k
2021: €9k
2022: €8k
2023: €8k
2024: €13k
2018 → 2025
Net result
€82k▲ 27.5%
2024 · €64k
2018: €20k
2019: €51k
2020: €108
2021: €21k
2022: €55k
2023: €49k
2024: €64k
2018 → 2025
Total assets
€166k▲ 4.7%
2024 · €158k
2018: €250k
2019: €205k
2020: €150k
2021: €109k
2022: €105k
2023: €111k
2024: €158k
2018 → 2025
Solvency
7.7%▼ 0.4pp
2024 · 8.1%
2018: 3.8%
2019: 8.2%
2020: 11.3%
2021: 7.8%
2022: 8.0%
2023: 6.8%
2024: 8.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€8k▼ 1.1%€8k▼ 9.7%€13k▲ 67.7%€13k=
Operating result€32k-€76k▲ 139%€68k▼ 10.3%€90k▲ 32.0%€114k▲ 26.6%
Net result€21k-€55k▲ 167%€49k▼ 10.4%€64k▲ 30.4%€82k▲ 27.5%
Turnover and EBIT margin not published: the abbreviated or micro 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 27% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€29k▼ 24.4%
Current assets
€137k▲ 13.8%
Equity and liabilities €166k
Equity
€13k=
Debt
€153k▲ 5.1%
The debt ratio rises from 91.9% to 92.3%. Debt is higher.
Key figures and ratios
Solvency
7.7%▼
2024 · 8.1%
ROE
640.5%▲
2024 · 502.4%
ROA
49.4%▲
2024 · 40.5%
Debt
€153k▲
2024 · €146k
Debt ≤ 1 year
€137k▲
2024 · €120k
Debt > 1 year
€16k▼
2024 · €25k
Income taxes
€31k▲
2024 · €25k
Staff costs
€227k▲
2024 · €221k
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€158k€166k▲
Fixed assets21/28€38k€29k▼
Tangible fixed assets22/27€38k€29k▼
Furniture and vehicles24€38k€29k▼
Current assets29/58€120k€137k▲
Amounts receivable within one year40/41€102k€116k▲
Trade receivables40€102k€116k▲
Cash at bank and in hand54/58€15k€19k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€158k€166k▲
Equity10/15€13k€13k=
Contributions10/11€6k€6k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€146k€153k▲
Amounts payable after more than one year17€25k€16k▼
Financial debts170/4€25k€16k▼
Amounts payable within one year42/48€120k€137k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€49k€65k▲
Taxes450/3€17k€31k▲
Remuneration and social security454/9€32k€34k▲
Other amounts payable47/48€52k€58k▲
Income statement
Code20242025
Remuneration, social security and pensions62€221k€227k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€317k€352k▲
Operating profit (loss)9901€90k€114k▲
Financial income75/76B€0€28▲
Recurring financial income75€0€28▲
Financial charges65/66B€774€1k▲
Recurring financial charges65€774€1k▲
Profit (loss) for the period before taxes9903€89k€113k▲
Income taxes67/77€25k€31k▲
Profit (loss) for the period9904€64k€82k▲
Profit (loss) for the period to be appropriated9905€64k€82k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€87k▲
Profit (loss) brought forward from the previous period14P-€5k
Profit to be distributed694/7€59k€82k▲
Return on contributions (dividend)694€59k€82k▲
Social balance
Average headcount (FTE)90874.64.2▼
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €82k ▲27.5%
Operating result €114k, net result €82k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €108 ▼99.8%
Net result drops to €108, the lowest in the series; recovery starts the following year.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Bornem · 1 establishment unit since 1999
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.
Dokter De Putterplein 12880 BornemGround area
225 m²
Building footprint
225 m²
Volume, LiDAR
2,164 m³
Parcel 12007B0451/00W000, Flanders · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOOFD & VERBEEKE BVBA
since 19992.091.338.905
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007B0451/00W000 | Flanders | 225 m² | 1 · 225 m² | 14.0 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 3,014 EUR awarded · 3,014 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,118 EUR | 1,118 EUR |
| 2023 | 1 | 1,896 EUR | 1,896 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 1,181 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-1999
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:03/ 889 43 59
Fax:03/ 889 38 09