HORTA HAMONT
ActiveSummary
HORTA HAMONT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €301k and a net result of €12k. Equity is growing by ~19.4% per year across the filed fiscal years. Its solvency ranks better than 55% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability61▼-18
Solvency67▼-29
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €20k at 30 days acceptable
Liquidity ample (current ratio 7.16 against 4.07 in 2024; short-term debt: 12.2% and cash: 6.9% of total assets), but 58.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
41.6%
Return on assets
1.6%
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 25-06-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
21 d early
2023
28 d late
2022
27 d early
2021
11 d early
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€301k▼ 53.8%
2024 · €652k
2018: €152k
2019: €180k
2020: €253k
2021: €309k
2022: €389k
2023: €429k
2024: €652k
2018 → 2025
Total assets
€724k▼ 20.9%
2024 · €915k
2018: €896k
2019: €876k
2020: €888k
2021: €922k
2022: €1.00M
2023: €843k
2024: €915k
2018 → 2025
Net result
€12k▼ 84.1%
2024 · €73k
2018: €46k
2019: €30k
2020: €72k
2021: €57k
2022: €80k
2023: €39k
2024: €73k
2018 → 2025
Working capital
€545k▲ 33.1%
2024 · €410k
2018: €73k
2019: €65k
2020: €128k
2021: €203k
2022: €299k
2023: €306k
2024: €410k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€309k-€389k▲ 25.9%€429k▲ 10.1%€652k▲ 52.0%€301k▼ 53.8%
Operating result€92k-€121k▲ 32.3%€74k▼ 39.3%€107k▲ 46.1%€22k▼ 79.5%
Net result€57k-€80k▲ 41.8%€39k▼ 50.8%€73k▲ 84.7%€12k▼ 84.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 79% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €724k
Fixed assets
€90k ▼ 75.7%
Current assets
€633k ▲ 16.7%
Equity and liabilities €724k
Equity
€301k ▼ 53.8%
Debt
€423k ▲ 60.4%
Debt's share of the balance-sheet total rises from 28.8% to 58.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€37k▼
2024 · €138k
Cash flow
€26k▼
2024 · €103k
Current ratio
7.16▲
2024 · 4.07
Quick ratio
1.14▼
2024 · 1.64
Debt to equity
1.41▲
2024 · 0.40
ROE
3.8%▼
2024 · 11.2%
ROA
1.6%▼
2024 · 8.0%
Interest coverage
4.86▼
2024 · 9.07
Debt ≤ 1 year
€88k▼
2024 · €133k
Debt > 1 year
€329k▲
2024 · €125k
Income taxes
€5k▼
2024 · €24k
Staff costs
€124k▲
2024 · €25k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€915k€724k▼
Fixed assets21/28€372k€90k▼
Intangible fixed assets21-€48k
Tangible fixed assets22/27€372k€42k▼
Land and buildings22€362k€0▼
Plant, machinery and equipment23€9k€14k▲
Furniture and vehicles24€831€25k▲
Other tangible fixed assets26-€3k
Financial fixed assets28€50€50=
Current assets29/58€543k€633k▲
Stocks and contracts in progress3€324k€532k▲
Stocks30/36€324k€532k▲
Amounts receivable within one year40/41€42k€49k▲
Trade receivables40€35k€34k▼
Other amounts receivable41€6k€15k▲
Cash at bank and in hand54/58€177k€50k▼
Deferred charges and accrued income490/1€0€2k▲
Equity and liabilities
Total equity and liabilities10/49€915k€724k▼
Equity10/15€652k€301k▼
Contributions10/11€200k€89k▼
Reserves13€452k€212k▼
Distributable reserves133€452k€212k▼
Amounts payable17/49€264k€423k▲
Amounts payable after more than one year17€125k€329k▲
Financial debts170/4€0-
Other amounts payable178/9€125k€329k▲
Amounts payable within one year42/48€133k€88k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€117k€56k▼
Suppliers440/4€117k€56k▼
Advances received on contracts in progress46€345€0▼
Taxes, remuneration and social security45€14k€33k▲
Taxes450/3€12k€16k▲
Remuneration and social security454/9€2k€17k▲
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€5k€5k▼
Income statement
Code20242025
Non-recurring operating income76A€24k€0▼
Remuneration, social security and pensions62€25k€124k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€15k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-20k€36k▲
Other operating charges640/8€7k€7k▲
Gross operating margin9900€150k€204k▲
Operating profit (loss)9901€107k€22k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€15k€8k▼
Recurring financial charges65€15k€8k▼
Profit (loss) for the period before taxes9903€97k€16k▼
Income taxes67/77€24k€5k▼
Profit (loss) for the period9904€73k€12k▼
Profit (loss) for the period to be appropriated9905€73k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€12k▼
Transfer to equity691/2€73k€12k▼
To other reserves6921€73k€12k▼
Social balance
Average headcount (FTE)90870.71.6▲
The notes to these accounts (24 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
25-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €12k ▼84.1%
Net result drops to €12k, the lowest in the series.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €652k ▲52%
7 profitable years in a row build equity to €652k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €80k ▲41.8%
Operating result €121k, net result €80k, both a record.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €253k ▲40.2%
3 profitable years in a row build equity to €253k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Hamont-Achel · 1 establishment unit since 2015
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.
Bosstraat 1193930 Hamont-AchelGround area
4,261 m²
Building footprint
1,370 m²
Volume, LiDAR
7,159 m³
Parcel 72012D0261/00C000, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ELBAHI
since 20152.243.438.071
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012D0261/00C000 | Flanders | 4,261 m² | 1 · 1,370 m² | 8.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamont-Achel2.243.438.071
Dual-learning approval
4 endedAanvuller (so)
Magazijnmedewerker (so)
Verkoper (so)
Winkelbediende (so)
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ANIMAL GARDEN
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Of 1,330 companies in sector 47762 we hold annual accounts for 479. 352 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
Founded03-07-2015
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
46382Wholesale trade
46839Wholesale trade
47110Non-specialised retail sale with food, beverages or tobacco predominating
47120Other non-specialised retail sale
47522Retail trade
47632Retail sale of bicycles
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.