HVML
ActiveSummary
HVML has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €328k and a net result of €6k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-2
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 11.22 against 20.81 in 2024; short-term debt: 2.5% and cash: 5.3% of total assets), and 2.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
97.5%
Return on assets
1.8%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
15 d early
2023
on the day
2022
33 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€328k▲ 1.9%
2024 · €321k
2022: €300k
2023: €310k
2024: €321k
2022 → 2025
Total assets
€336k▲ 3.4%
2024 · €325k
2022: €306k
2023: €314k
2024: €325k
2022 → 2025
Net result
€6k▼ 46.2%
2024 · €11k
2022: €20k
2023: €10k
2024: €11k
2022 → 2025
Working capital
€87k▲ 19.6%
2024 · €72k
2022: €31k
2023: €48k
2024: €72k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€300k-€310k▲ 3.2%€321k▲ 3.7%€328k▲ 1.9%
Operating result€25k-€12k▼ 51.2%€15k▲ 23.9%€8k▼ 47.7%
Net result€20k-€10k▼ 50.8%€11k▲ 17.8%€6k▼ 46.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €336k
Fixed assets
€241k ▼ 3.2%
Current assets
€95k ▲ 25.0%
Equity and liabilities €336k
Equity
€328k ▲ 1.9%
Debt
€8k ▲ 132%
Debt's share of the balance-sheet total rises from 1.1% to 2.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €28k
Cash flow
€20k▼
2024 · €24k
Current ratio
11.22▼
2024 · 20.81
Debt to equity
0.03▲
2024 · 0.01
ROE
1.9%▼
2024 · 3.5%
ROA
1.8%▼
2024 · 3.5%
Interest coverage
121.44▼
2024 · 166.71
Debt ≤ 1 year
€8k▲
2024 · €4k
Income taxes
€2k▼
2024 · €4k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€325k€336k▲
Fixed assets21/28€249k€241k▼
Tangible fixed assets22/27€249k€241k▼
Land and buildings22€247k€235k▼
Furniture and vehicles24€2k€6k▲
Current assets29/58€76k€95k▲
Amounts receivable within one year40/41€61k€73k▲
Trade receivables40€579€0▼
Other amounts receivable41€60k€73k▲
Cash at bank and in hand54/58€12k€18k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€325k€336k▲
Equity10/15€321k€328k▲
Contributions10/11€13k€13k=
Reserves13€171k€171k=
Tax-exempt reserves132€9k€9k=
Distributable reserves133€161k€161k=
Profit (loss) carried forward14€138k€144k▲
Amounts payable17/49€4k€8k▲
Amounts payable within one year42/48€4k€8k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45-€919
Taxes450/3-€919
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€33k€28k▼
Operating profit (loss)9901€15k€8k▼
Financial income75/76B€58€0▼
Recurring financial income75€58€0▼
Financial charges65/66B€166€183▲
Recurring financial charges65€166€183▲
Profit (loss) for the period before taxes9903€15k€8k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€11k€6k▼
Profit (loss) for the period to be appropriated9905€11k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€144k▲
Profit (loss) brought forward from the previous period14P€127k€138k▲
The notes to these accounts (5 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €6k ▼46.2%
Net result drops to €6k, the lowest in the series.
2024
16-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Kortrijk · 1 establishment unit since 2021
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.
Bergstraat(Mar) 1068510 KortrijkGround area
3,011 m²
Building footprint
1,212 m²
Volume, LiDAR
5,285 m³
Parcel 34026B0518/00F002, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HVML
since 20212.314.868.970
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0518/00F002 | Flanders | 3,011 m² | 1 · 1,212 m² | 6.4 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.
Similar companies · same sector, comparable size
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MG CONSULT
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Business4 Life
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BC-BF INVEST
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Middelkerke · Eq €327,597
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,617 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
Founded20-01-2021
Fiscal year end31-03
Activities, NACEBEL 2025
70200Business and other management consultancy
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.