HOPE & FAITH
ActiveHOPE & FAITH has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €-16k. Equity is growing by ~59.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-91
Solvency90▼-7
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.8 against 3.5 in 2024; short-term debt: 34.5% of total assets), and 34.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
65.5%
Return on assets
-16.3%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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 · 8 filingsDeviation from the deadline
2025
17 d late
2024
22 d late
2023
on the day
2022
on the day
2021
11 d late
2020
12 d late
2019
20 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 20.0%
2024 · €81k
2018: €657
2019: €-20k
2020: €1k
2021: €18k
2022: €38k
2023: €61k
2024: €81k
2018 → 2025
Total assets
€99k▼ 12.0%
2024 · €112k
2018: €9k
2019: €6k
2020: €9k
2021: €33k
2022: €60k
2023: €85k
2024: €112k
2018 → 2025
Net result
€-16k
2024 · €20k
2018: €-2k
2019: €-21k
2020: €22k
2021: €16k
2022: €20k
2023: €23k
2024: €20k
2018 → 2025
Working capital
€61k▼ 21.6%
2024 · €78k
2018: €657
2019: €-17k
2020: €1k
2021: €18k
2022: €38k
2023: €59k
2024: €78k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€38k▲ 113%€61k▲ 59.9%€81k▲ 33.1%€65k▼ 20.0%
Operating result€25k-€32k▲ 26.5%€29k▼ 8.7%€23k▼ 20.4%€-19k
Net result€16k-€20k▲ 22.5%€23k▲ 13.1%€20k▼ 11.7%€-16k
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 €19k after €23k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €99k
Fixed assets
€3k▲ 33.7%
Current assets
€95k▼ 13.0%
Equity and liabilities €99k
Equity
€65k▼ 20.0%
Debt
€34k▲ 8.7%
The debt ratio rises from 28.0% to 34.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €24k
Cash flow
€-15k▼
2024 · €20k
Solvency
65.5%▼
2024 · 72.0%
Current ratio
2.80▼
2024 · 3.50
Quick ratio
2.75▼
2024 · 3.44
Debt / equity
0.53▲
2024 · 0.39
ROE
-25.0%▼
2024 · 24.9%
ROA
-16.3%▼
2024 · 17.9%
Interest coverage
-8.61▼
2024 · 23.05
Debt
€34k▲
2024 · €31k
Debt ≤ 1 year
€34k▲
2024 · €31k
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€112k€99k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€1k€2k▲
Plant, machinery and equipment23€1k€845▼
Other tangible fixed assets26-€1k
Financial fixed assets28€1k€1k=
Current assets29/58€110k€95k▼
Stocks and contracts in progress3€2k€2k▼
Stocks30/36€2k€2k▼
Amounts receivable within one year40/41€100k€90k▼
Trade receivables40€4k€5k▲
Other amounts receivable41€96k€85k▼
Deferred charges and accrued income490/1€8k€3k▼
Equity and liabilities
Total equity and liabilities10/49€112k€99k▼
Equity10/15€81k€65k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€78k€62k▼
Amounts payable17/49€31k€34k▲
Amounts payable within one year42/48€31k€34k▲
Financial debts43€4k€14k▲
Credit institutions430/8€4k€14k▲
Trade debts44€9k€11k▲
Suppliers440/4€9k€11k▲
Taxes, remuneration and social security45€18k€9k▼
Taxes450/3€18k€9k▼
Remuneration and social security454/9€800-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€350€721▲
Other operating charges640/8€98€916▲
Non-recurring operating charges66A€50-
Gross operating margin9900€24k€-18k▼
Operating profit (loss)9901€23k€-19k▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€28k€-16k▼
Income taxes67/77€8k-
Profit (loss) for the period9904€20k€-16k▼
Profit (loss) for the period to be appropriated9905€20k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€62k▼
Profit (loss) brought forward from the previous period14P€58k€78k▲
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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €23k ▲13.1%
Net result €23k, the highest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Back to profitnet €22k
Net result €22k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.19
Current ratio from 0.26 to 1.19; short-term debt falls from €23k to €8k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Amay · 1 establishment unit since 2018
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.
Chaussée de Tongres(AMA) 2044540 AmayGround area
442 m²
Building footprint
80 m²
Volume, LiDAR
692 m³
Parcel 61003A0025/00N003, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOPE & FAITH
since 20182.277.864.955
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003A0025/00N003 | Wallonia | 442 m² | 1 · 80 m² | 10.0 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.
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SANTE & SOINS 4U
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NCAH
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Of 5,984 companies in sector 86940 we hold annual accounts for 1,809. 1,579 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2018
Fiscal year end31-12
Activities, NACEBEL
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:helene1103@hotmail.com