Summary
Hove Financial Services 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 €67k and a net result of €425k. Equity is growing by ~49.6% per year across the filed fiscal years. Its solvency ranks better than 10% of 1475 sector peers (fiscal year 2025). The company has been active since 2022 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 10%
← weakest
strongest →
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 07-07-2026, 24 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
24 d early
2024
19 d late
2023
5 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
Equity
€67k▲ 41.9%
2024 · €47k
2023: €20k
2024: €47k
2023 → 2025
Net result
€425k▲ 42.6%
2024 · €298k
2023: €166k
2024: €298k
2023 → 2025
Total assets
€2.45M▲ 1.0%
2024 · €2.43M
2023: €2.43M
2024: €2.43M
2023 → 2025
Solvency
2.7%▲ 0.8pp
2024 · 2.0%
2023: 0.8%
2024: 2.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€20k-€47k▲ 135%€67k▲ 41.9%
Operating result€214k-€405k▲ 88.9%€528k▲ 30.3%
Net result€166k-€298k▲ 79.2%€425k▲ 42.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.45M
Fixed assets
€1.65M ▼ 11.7%
Current assets
€804k ▲ 42.7%
Equity and liabilities €2.45M
Equity
€67k ▲ 41.9%
Debt
€2.38M ▲ 0.1%
Debt's share of the balance-sheet total falls from 98.0% to 97.3%. Equity and debt are higher.
Key figures and ratios
ROE
631.3%▲
2024 · 628.0%
ROA
17.3%▲
2024 · 12.3%
Debt ≤ 1 year
€852k▲
2024 · €648k
Debt > 1 year
€1.53M▼
2024 · €1.73M
Income taxes
€24k▲
2024 · €22k
Staff costs
€657k▲
2024 · €653k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.43M€2.45M▲
Fixed assets21/28€1.86M€1.65M▼
Intangible fixed assets21€1.86M€1.64M▼
Tangible fixed assets22/27€7k€9k▲
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24-€2k
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€500-
Current assets29/58€563k€804k▲
Amounts receivable within one year40/41€1k-
Other amounts receivable41€1k-
Cash at bank and in hand54/58€30k€143k▲
Deferred charges and accrued income490/1€533k€660k▲
Equity and liabilities
Total equity and liabilities10/49€2.43M€2.45M▲
Equity10/15€47k€67k▲
Contributions10/11€5k€5k=
Reserves13€43k€63k▲
Distributable reserves133€43k€63k▲
Amounts payable17/49€2.38M€2.38M▲
Amounts payable after more than one year17€1.73M€1.53M▼
Financial debts170/4€1.73M€1.53M▼
Amounts payable within one year42/48€648k€852k▲
Current portion of amounts payable after more than one year42€193k€201k▲
Financial debts43€36k€36k=
Credit institutions430/8€36k€36k=
Trade debts44€60k€96k▲
Suppliers440/4€60k€96k▲
Taxes, remuneration and social security45€89k€115k▲
Taxes450/3€22k€40k▲
Remuneration and social security454/9€67k€74k▲
Other amounts payable47/48€271k€405k▲
Accrued charges and deferred income492/3€468€501▲
Income statement
Code20242025
Non-recurring operating income76A€10k€14k▲
Remuneration, social security and pensions62€653k€657k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€219k€220k▲
Other operating charges640/8€3k€6k▲
Non-recurring operating charges66A-€4k
Gross operating margin9900€1.28M€1.42M▲
Operating profit (loss)9901€405k€528k▲
Financial income75/76B€936€2k▲
Recurring financial income75€936€2k▲
Financial charges65/66B€86k€80k▼
Recurring financial charges65€86k€80k▼
Profit (loss) for the period before taxes9903€320k€449k▲
Income taxes67/77€22k€24k▲
Profit (loss) for the period9904€298k€425k▲
Profit (loss) for the period to be appropriated9905€298k€425k▲
Appropriation of the result
Profit (loss) to be appropriated9906€298k€425k▲
Transfer to equity691/2€27k€20k▼
To other reserves6921€27k€20k▼
Profit to be distributed694/7€271k€405k▲
Directors or managers695€271k€405k▲
Social balance
Average headcount (FTE)90878.48.4=
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €425k ▲42.6%
Operating result €528k, net result €425k, both a record.
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 5 days late
Financial milestoneNBB 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, Hove · 1 establishment unit since 2022
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.
Kapelstraat 92540 HoveGround area
222 m²
Building footprint
222 m²
Volume, LiDAR
3,002 m³
Parcel 11021A0231/00Y000, Flanders · tallest building 15.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Hove Financial Services
since 20222.340.539.427
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11021A0231/00Y000 | Flanders | 222 m² | 1 · 222 m² | 15.7 m · 5 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
2025 · 1 entry · 247 EUR awarded · 204 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 247 EUR | 204 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 969 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
Founded29-12-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.