HTK
ActiveSummary
HTK has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16.91M and a net result of €3.68M. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 4539 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+58
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.45M at 30 days acceptable
short-term debt: 0.3% and cash: 1.3% of total assets, and 1.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
98.9%
Return on assets
21.5%
Age of the figures
9 mo
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 10 filingsDeviation from the deadline
2025
14 d late
2024
3 d early
2023
6 d late
2022
10 d late
2021
2 d late
2020
18 d late
2019
81 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3.68M▲ 140%
2024 · €1.53M
2018: €-344k
2019: €-348k
2020: €552k
2021: €3.49M
2022: €-347k
2023: €2.00M
2024: €1.53M
2018 → 2025
Working capital
€10.10M▲ 57.3%
2024 · €6.42M
2018: €1.67M
2019: €2.59M
2020: €2.50M
2021: €5.96M
2022: €5.62M
2023: €6.58M
2024: €6.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12.80M-€12.46M▼ 2.7%€13.40M▲ 7.6%€13.23M▼ 1.2%€16.91M▲ 27.8%
Operating result€-64k-€-17k▲ 73.9%€-12k▲ 28.2%€-12k▲ 0.2%€-9k▲ 23.8%
Net result€3.49M-€-347k€2.00M€1.53M▼ 23.4%€3.68M▲ 140%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €17.10M
Fixed assets
€6.96M ▼ 0.6%
Current assets
€10.14M ▲ 57.0%
Equity and liabilities €17.10M
Equity
€16.91M ▲ 27.8%
Debt
€193k ▼ 14.2%
Debt's share of the balance-sheet total falls from 1.7% to 1.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€38k▲
2024 · €36k
Cash flow
€3.72M▲
2024 · €1.58M
Debt to equity
0.01▼
2024 · 0.02
ROE
21.7%▲
2024 · 11.6%
ROA
21.5%▲
2024 · 11.4%
Interest coverage
16.34▲
2024 · 0.64
Debt ≤ 1 year
€43k▲
2024 · €38k
Debt > 1 year
€149k▼
2024 · €187k
A ratio outside any meaningful range has been withheld (balance sheet total €17.10M, equity €16.91M).
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€13.46M€17.10M▲
Fixed assets21/28€7.00M€6.96M▼
Tangible fixed assets22/27€1.20M€1.16M▼
Land and buildings22€1.15M€1.12M▼
Plant, machinery and equipment23€48k€47k▼
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€5.80M€5.80M=
Current assets29/58€6.46M€10.14M▲
Amounts receivable after more than one year29€505k€498k▼
Other amounts receivable291€505k€498k▼
Amounts receivable within one year40/41€24k€3.53M▲
Other amounts receivable41€24k€3.53M▲
Current investments50/53€5.76M€5.84M▲
Cash at bank and in hand54/58€166k€218k▲
Deferred charges and accrued income490/1€8k€56k▲
Equity and liabilities
Total equity and liabilities10/49€13.46M€17.10M▲
Equity10/15€13.23M€16.91M▲
Contributions10/11€8.12M€8.12M=
Capital10€8.12M€8.12M=
Issued capital100€8.12M€8.12M=
Reserves13€583k€783k▲
Non-distributable reserves130/1€583k€783k▲
Legal reserve130€583k€783k▲
Profit (loss) carried forward14€4.53M€8.00M▲
Amounts payable17/49€224k€193k▼
Amounts payable after more than one year17€187k€149k▼
Financial debts170/4€183k€146k▼
Other amounts payable178/9€3k€3k=
Amounts payable within one year42/48€38k€43k▲
Current portion of amounts payable after more than one year42€37k€37k▲
Trade debts44€620€6k▲
Suppliers440/4€620€6k▲
Other amounts payable47/48€257€231▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€47k▼
Other operating charges640/8€19k€19k▲
Gross operating margin9900€55k€58k▲
Operating profit (loss)9901€-12k€-9k▲
Financial income75/76B€1.55M€3.69M▲
Recurring financial income75€1.55M€3.69M▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€57k€2k▼
Non-recurring financial charges66B€-51k-
Profit (loss) for the period before taxes9903€1.53M€3.68M▲
Profit (loss) for the period9904€1.53M€3.68M▲
Profit (loss) for the period to be appropriated9905€1.53M€3.68M▲
Appropriation of the result
Profit (loss) to be appropriated9906€6.33M€8.20M▲
Profit (loss) brought forward from the previous period14P€4.80M€4.53M▼
Transfer to equity691/2€100k€200k▲
To the legal reserve6920€100k€200k▲
Profit to be distributed694/7€1.70M-
Return on contributions (dividend)694€1.70M-
The notes to these accounts (9 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 14 days late
2025
31-12
Financial
Highest result since 2018net €3.68M ▲140%
Net result €3.68M, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
31-12
Financial
Back to profitnet €2.00M
Net result €2.00M after one loss-making year.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 2 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 142.35
Current ratio from 69.18 to 142.35.
31-12
Financial
Equity above €10MEq €12.80M ▲37.4%
2 profitable years in a row build equity to €12.80M.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 18 days late
2020
31-12
Financial
Back to profitnet €552k
Net result €552k after 2 loss-making years.
20-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 81 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €-348k
Net result drops to €-348k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 2376.60
Current ratio from 999.30 to 2376.60; short-term debt falls from €2k to €1k.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 9 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
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, Mettet · 1 establishment unit since 2007
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 de la Chapelle, St-Gérard 65640 MettetGround area
429 m²
Building footprint
396 m²
Volume, LiDAR
3,970 m³
Parcel 92104C0329/00H000, Wallonia · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HTK
since 20072.175.716.235
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92104C0329/00H000 | Wallonia | 429 m² | 1 · 396 m² | 16.4 m · 4 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
Legal Entity Identifier
967600S5W23EJ4BU3Z31
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IMMO ACTION
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Of 12,022 companies in sector 68203 we hold annual accounts for 5,986. 1,340 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 formPublic limited company
Founded31-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.