HUVERCA · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of HUVERCA is 0.2% (very low). The 2025 annual accounts show equity of €298k and a net result of €12k. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 1339 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 95% of 1339 peers (2025). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2024 and 2025).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.

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.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	08-06-2026	53 d early	2026-00142982
31-12-2024	31-07-2025	13-06-2025	48 d early	2025-00136372
31-12-2023	31-07-2024	14-06-2024	47 d early	2024-00129132
31-12-2022	31-07-2023	14-06-2023	47 d early	2023-00124942
31-12-2021	31-07-2022	01-07-2022	30 d early	2022-20118889
31-12-2020	31-07-2021	07-06-2021	54 d early	2021-17400245
31-12-2019	31-07-2020	19-06-2020	42 d early	2020-18000517
31-12-2018	31-07-2019	14-06-2019	47 d early	2019-18100366
31-12-2017	31-07-2018	28-06-2018	33 d early	2018-23800301
31-12-2016	31-07-2017	21-06-2017	40 d early	2017-18900560

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 2001, 25 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€12k+8.1%

Working capital€55k+9.3%

CSV export

Annual accounts & ratios

Source: NBB · 2025

Annual accounts filed on 08-06-2026 with the NBB · fiscal year 2025 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~5.7%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	99.9%	22.9%	better than 95% of 1339 sector peers
Net result	€12k	€10k	better than 54% of 1337 sector peers
Equity	€298k	€44k	better than 86% of 1340 sector peers
Gross operating margin	€24k	€39k	better than 38% of 1337 sector peers
Total assets	€299k	€291k	better than 51% of 1339 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P95

Stable position over 2020-2025 · n=859-4950

Net result P54

Stable position over 2020-2025 · n=858-4942

Equity P86

Stable position over 2020-2025 · n=859-4953

Gross operating margin P38

Weakening position over 2020-2025 · n=858-4936

Describes the position versus peers, not a forecast.

EBITDA

€17k

+9.9% 18-25

Net profit

€12k

+8.1% 18-25

Cash flow

€13k

+12.9% 18-25

Total assets

€299k

+4.2% 18-25

Equity

€298k

+4.3% 18-25

Working capital

€55k

+9.3% 18-25

Income taxes

€4k

+1.0% 18-25

Debt

€396

-41.0% 18-25

Debt ≤ 1y

€396

-41.0% 18-25

Debt > 1y

€14k

-60.0% 18-25

Current ratio

140.66

+84.2% 18-25

Quick ratio

140.66

+84.2% 18-25

Solvency

99.9%

+0.1% 18-25

Debt / equity

0.00

-43.4% 18-25

ROE

4.1%

+3.7% 18-25

ROA

4.1%

+3.8% 18-25

Interest coverage

566.52

+4.4% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	micro
Revenue	-
EBITDA	€17k
Net profit	€12k
Cash flow	€13k
Staff costs	-
Income taxes	€4k
Dividends	-
Total assets	€299k
Equity	€298k
Debt	€396
of which ≤ 1y	€396
of which > 1y	-
Working capital	€55k
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	140.66
Quick ratio	140.66
Working capital ratio	18.5%
Solvency	99.9%
Debt / equity	0.00
Long-term debt ratio	-
Interest coverage	566.52
Gross margin	-
Net margin	-
ROA	4.1%
ROE	4.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2025

Assets

Fixed assets €243k · 81.3% Current assets €56k · 18.7%

Equity & liabilities

Equity €298k · 99.9% Debt €396 · 0.1%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€299k
Fixed assets	21/28	€243k
Tangible fixed assets	22/27	€243k
Current assets	29/58	€56k
Amounts receivable within one year	40/41	€6k
Cash & bank	54/58	€50k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€299k
Equity	10/15	€298k
Contributions / capital	10/11	€62k
Reserves	13	€236k
Amounts payable	17/49	€396
Amounts payable within one year	42/48	€396
Trade debts payable within one year	44	€0
Income statement
Gross operating margin	9900	€24k
Operating result	9901	€16k
Financial charges	65	€29
Result before taxes	9903	€16k
Income taxes	67/77	€4k
Net result for the period	9904	€12k
Result to be appropriated	9905	€12k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2025 · computed

94 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank

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.

Zevenkaven 298560 Wevelgem

Establishment units

1 location

HUVERCA BVBA

Zevenkaven 29, 8560 WevelgemProductie van legeringen van edele metalen

since 20012.100.228.855

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels1

Ground area661 m²

Buildings1

Building footprint395 m²

Volume (LiDAR)2,070 m³

Tallest building9.0 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
34012B0637/00X000	Flanders	661 m²	1 · 395 m²	9.0 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

1 acts

All acts · 1 updated 2 years ago

2024

31-01-2024 Articles of association amended, alignment with the new Companies Code, legal-form conversion and full restatement of the articles Statutes amendment·Karel Feys

Summary: De voorwerp van de vennootschap is niet gewijzigd; de nieuwe statuten zijn volledig opnieuw opgesteld in overeenstemming met het Wetboek van vennootschappen en verenigingen.Notary: Karel Feys · Mesen

Original publication ↗

Analysis

Snowflake analysis

financial profile on 5 axes

79 / 100

Exceptional profile, strong across almost every axis.

All 5 axes are computed from data Checked has read.

Health 94

Profitability 21

Solvency 100

Growth 78

Stability 100

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Credit advice

verdict per customer and amount

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We hold annual accounts for 1,097 of the 11,936 companies in this sector. 727 of them are within a factor 10 of this company's equity.

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Company registry

Company registry (CBE)

Crossroads Bank

Activities

Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur van niet-residentiële gebouwen70203

Primary activity highlighted.

Names & trade names

Legal nameNL

HUVERCA

Registered office

Zevenkaven 29

8560 Wevelgem, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.