HR VOICE
ActiveHR VOICE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €236k and a net result of €84k. Equity is growing by ~25.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 37959 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability85▲+9
Solvency61▲+8
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.19 against 0.7 in 2023; short-term debt: 18.4% and cash: 13% of total assets), and 64.2% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
84 d late
2022
31 d late
2021
92 d late
2020
122 d late
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€236k▲ 30.8%
2023 · €180k
2018: €83k
2019: €61k
2020: €109k
2021: €114k
2022: €143k
2023: €180k
2018 → 2024
Total assets
€660k▲ 1.9%
2023 · €647k
2018: €171k
2019: €591k
2020: €664k
2021: €629k
2022: €619k
2023: €647k
2018 → 2024
Net result
€84k▲ 125%
2023 · €37k
2018: €68k
2019: €-22k
2020: €48k
2021: €5k
2022: €29k
2023: €37k
2018 → 2024
Working capital
€23k
2023 · €-39k
2018: €82k
2019: €-19k
2020: €-112k
2021: €-95k
2022: €-76k
2023: €-39k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€109k-€114k▲ 4.6%€143k▲ 25.7%€180k▲ 26.0%€236k▲ 30.8%
Operating result€67k-€20k▼ 69.4%€46k▲ 127%€73k▲ 58.2%€128k▲ 74.2%
Net result€48k-€5k▼ 89.5%€29k▲ 487%€37k▲ 27.2%€84k▲ 125%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2021 the operating result has climbed three years in a row; 2024 is 74% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €660k
Fixed assets
€516k▼ 7.4%
Current assets
€144k▲ 59.0%
Equity and liabilities €660k
Equity
€236k▲ 30.8%
Debt
€424k▼ 9.3%
The debt ratio falls from 72.1% to 64.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€166k▲
2023 · €117k
Cash flow
€122k▲
2023 · €81k
Solvency
35.8%▲
2023 · 27.9%
Current ratio
1.19▲
2023 · 0.70
Quick ratio
1.19▲
2023 · 0.70
Debt / equity
1.80▼
2023 · 2.59
ROE
35.4%▲
2023 · 20.6%
ROA
12.7%▲
2023 · 5.7%
Interest coverage
22.42▼
2023 · 23.96
Debt
€424k▼
2023 · €467k
Debt ≤ 1 year
€121k▼
2023 · €130k
Debt > 1 year
€302k▼
2023 · €337k
Income taxes
€37k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€647k€660k▲
Fixed assets21/28€557k€516k▼
Tangible fixed assets22/27€557k€516k▼
Land and buildings22€548k€512k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€6k€2k▼
Current assets29/58€90k€144k▲
Amounts receivable within one year40/41€20k€55k▲
Trade receivables40€20k€54k▲
Other amounts receivable41€35€1k▲
Cash at bank and in hand54/58€14k€86k▲
Deferred charges and accrued income490/1€56k€3k▼
Equity and liabilities
Total equity and liabilities10/49€647k€660k▲
Equity10/15€180k€236k▲
Contributions10/11€6k€6k=
Reserves13€169k€225k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€169k€225k▲
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€467k€424k▼
Amounts payable after more than one year17€337k€302k▼
Financial debts170/4€337k€302k▼
Amounts payable within one year42/48€130k€121k▼
Current portion of amounts payable after more than one year42€52k€35k▼
Trade debts44€11k€15k▲
Suppliers440/4€11k€15k▲
Taxes, remuneration and social security45€48k€44k▼
Taxes450/3€48k€44k▼
Remuneration and social security454/9-€629
Other amounts payable47/48€18k€27k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€38k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€120k€169k▲
Operating profit (loss)9901€73k€128k▲
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€5k€7k▲
Recurring financial charges65€5k€7k▲
Profit (loss) for the period before taxes9903€68k€120k▲
Income taxes67/77€31k€37k▲
Profit (loss) for the period9904€37k€84k▲
Profit (loss) for the period to be appropriated9905€37k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€42k€89k▲
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer from equity791/2-€28k
Transfer to equity691/2€37k€84k▲
To other reserves6921€37k€84k▲
Profit to be distributed694/7-€28k
Return on contributions (dividend)694-€28k
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
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €84k ▲125%
Operating result €128k, net result €84k, both a record.
31-12
Financial
Equity above €200kEq €236k ▲30.8%
5 profitable years in a row build equity to €236k.
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Equity above €150kEq €180k ▲26%
4 profitable years in a row build equity to €180k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Back to profitnet €48k
Net result €48k after one loss-making year.
31-12
Financial
Equity above €100kEq €109k ▲77.4%
Equity rises from €61k to €109k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-22k ▼131%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gembloux · 1 establishment unit since 2010
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.
Rue du Moulin 465030 GemblouxGround area
2,896 m²
Building footprint
288 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
HR VOICE
since 20102.203.522.967
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92053D0242/00L002 | Wallonia | 1,744 m² | 1 · 149 m² | - |
| 92253B0258/00C000 | Wallonia | 1,152 m² | 1 · 140 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
648800Z5ZOBAKBXL4M40
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,159 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2010
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
78300Employment activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.