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HYPOCONNECT

Active
Public limited companyfounded 200620 yrs activeBischoffsheimlaan 33, 1000 Brussel, BelgiumKBO/BCE: BE 0879.105.951
Summary

HYPOCONNECT 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 €184k and a net result of €119k. Equity is shrinking by ~14.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 20% of 1475 sector peers (fiscal year 2025). The company has been active since 2006 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

Three signals. The signal on the left, the evidence on the right.
lowers risk+raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1475 sector peers (2025).
NBB · sector comparison
Position among 1475 sector peers
Solvency
better than 20%
← weakest strongest →
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €184k
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 d early
2024
71 d early
2023
89 d early
2022
33 d early
2021
264 d late
2020
171 d late
2019
17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven months
Position in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Equity
€184k▲ 183%
2024 · €65k
2018: €397k 2019: €344k 2020: €359k 2021: €360k 2022: €29k 2023: €91k 2024: €65k
2018 → 2025
Net result
€119k
2024 · €-26k
2018: €-262k 2019: €-52k 2020: €15k 2021: €1k 2022: €-331k 2023: €62k 2024: €-26k
2018 → 2025
Total assets
€1.74M▼ 2.5%
2024 · €1.79M
2018: €1.42M 2019: €1.62M 2020: €1.35M 2021: €1.34M 2022: €698k 2023: €641k 2024: €1.79M
2018 → 2025
Solvency
10.6%▲ 6.9pp
2024 · 3.6%
2018: 28.0% 2019: 21.2% 2020: 26.6% 2021: 26.9% 2022: 4.2% 2023: 14.2% 2024: 3.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Turnover€2.93M-€2.80M▼ 4.2%€2.92M▲ 4.1%€2.29M▼ 21.6%€2.75M▲ 20.2%
Equity€360k-€29k▼ 91.9%€91k▲ 213%€65k▼ 28.6%€184k▲ 183%
Operating result€20k-€-306k€81k€29k▼ 64.1%€194k▲ 568%
Net result€1k-€-331k€62k€-26k€119k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
€-400k€-200k€0€200kOperating result 2021: €20k€20kNet result 2021: €1k€1kOperating result 2022: €-306k€-306kNet result 2022: €-331k€-331kOperating result 2023: €81k€81kNet result 2023: €62k€62kOperating result 2024: €29k€29kNet result 2024: €-26k€-26kOperating result 2025: €194k€194kNet result 2025: €119k€119k20212022202320242025€-100k€0€100k€200kOperating result 2023: €81k€81kNet result 2023: €62k€62kOperating result 2024: €29k€29kNet result 2024: €-26k€-26kOperating result 2025: €194k€194kNet result 2025: €119k€119k202320242025
The operating result recovers in 2025; 2025 is 568% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.74M
Fixed assets €1.05M ▼ 1.8%
Current assets €695k ▼ 3.5%
Equity and liabilities €1.74M
Equity €184k ▲ 183%
Debt €1.56M ▼ 9.5%
Debt's share of the balance-sheet total falls from 96.4% to 89.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
ROE
64.7%
2024 · -40.1%
ROA
6.8%
2024 · -1.5%
Debt ≤ 1 year
€509k
2024 · €423k
Debt > 1 year
€1.00M
2024 · €1.25M
Income taxes
€2k
Staff costs
€643k
2024 · €617k
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 · 56 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.79M€1.74M
Fixed assets21/28€1.07M€1.05M
Intangible fixed assets21€12k€1k
Tangible fixed assets22/27€10k€422
Furniture and vehicles24€10k€422
Financial fixed assets28€1.05M€1.05M=
Current assets29/58€721k€695k
Amounts receivable within one year40/41€393k€307k
Trade receivables40€393k€299k
Other amounts receivable41-€8k
Cash at bank and in hand54/58€311k€373k
Deferred charges and accrued income490/1€16k€15k
Equity and liabilities
Total equity and liabilities10/49€1.79M€1.74M
Equity10/15€65k€184k
Contributions10/11€562k€562k=
Capital10€320k€320k=
Issued capital100€320k€320k=
Outside capital11€242k€242k=
Share premium1100/10€242k€242k=
Reserves13-€16k
Non-distributable reserves130/1-€16k
Legal reserve130-€16k
Profit (loss) carried forward14€-497k€-394k
Amounts payable17/49€1.72M€1.56M
Amounts payable after more than one year17€1.25M€1.00M
Financial debts170/4€1.25M€1.00M
Amounts payable within one year42/48€423k€509k
Current portion of amounts payable after more than one year42€100k€250k
Trade debts44€260k€171k
Suppliers440/4€260k€171k
Taxes, remuneration and social security45€63k€88k
Taxes450/3-€21k
Remuneration and social security454/9€63k€67k
Accrued charges and deferred income492/3€49k€49k
Income statement Code20242025
Turnover70€2.29M€2.75M
Non-recurring operating income76A-€4k
Goods, raw materials, services and sundry goods60/61€1.62M€1.96M
Remuneration, social security and pensions62€617k€643k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€11k
Other operating charges640/8€805€1k
Gross operating margin9900€680k€849k
Operating profit (loss)9901€29k€194k
Financial income75/76B€0€0
Recurring financial income75€0€0
Financial charges65/66B€55k€73k
Recurring financial charges65€55k€73k
Non-recurring financial charges66B€92-
Profit (loss) for the period before taxes9903€-26k€121k
Income taxes67/77-€2k
Profit (loss) for the period9904€-26k€119k
Profit (loss) for the period to be appropriated9905€-26k€119k
Appropriation of the result
Profit (loss) to be appropriated9906€-497k€-378k
Profit (loss) brought forward from the previous period14P€-471k€-497k
Transfer to equity691/2-€16k
To the legal reserve6920-€16k
Social balance
Average headcount (FTE)90876.86.4

The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
01-06
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Back to profitnet €119k
Net result €119k after one loss-making year.
31-12
Financial Equity above €150kEq €184k ▲183%
Equity rises from €65k to €184k.
21-05
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
02-05
State Gazette act Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)
2 facts ▸
  • General meeting, 28-03-2023
  • Auditor reappointment, EY Bedrijfsrevisoren BV (statutory auditor)
2024
28-06
State Gazette act Reappointments: Patronale Life NV, Johan Vandenberghe and Oliver Auvray
Permanent representative: Filip Moeykens · Appointment: Johan Vandenberghe (managing director) · Mandate compensation9 facts ▸
  • General meeting, 29-03-2024
  • Director reappointment, Patronale Life NV (director)
  • Permanent representative, Filip Moeykens
  • Mandate compensation, Patronale Life NV
  • Director reappointment, Johan Vandenberghe (director)
  • Director appointment, Johan Vandenberghe (managing director)
  • Mandate compensation, Johan Vandenberghe
  • Director reappointment, Oliver Auvray (director)
  • Mandate compensation, Oliver Auvray
03-05
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Back to profitnet €62k
Net result €62k after one loss-making year.
31-12
Financial Liquidity triplescurrent ratio 3.13
Current ratio from 1.17 to 3.13; short-term debt falls from €558k to €188k.
19-12
State Gazette act Statutes amendment
Capital · Power of attorney6 facts ▸
  • General meeting, 23-11-2023
  • Statutes amendment
  • Statutes amendment
  • Capital, €320.000
  • Statutes amendment
  • Power of attorney, Daisy Deraymaeker
11-10
State Gazette act Reappointment: EY Bedrijfsrevisoren BV (statutory auditor)
2 facts ▸
  • General meeting, 21-04-2023
  • Auditor reappointment, EY Bedrijfsrevisoren BV
02-08
State Gazette act Miscellaneous
Permanent representative: Filip MOEYKENS · Merger · Name change5 facts ▸
  • Board meeting, 08-06-2023
  • Merger, 06-06-2023
  • Name change, Patronale Life NV
  • Permanent representative, Filip MOEYKENS
  • Mandate compensation, Filip MOEYKENS
Show earlier events
28-06
NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
21-04
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema · 264 days late
2022
31-12
Financial Weakest financial yearnet €-331k ▼30269%
Net result drops to €-331k, the lowest in the series; recovery starts the following year.
18-01
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 171 days late
2021
09-03
State Gazette act Resignation: Altro Finance & Insurance (director)
2 facts ▸
  • General meeting, 15-01-2021
  • Director resignation, Altro Finance & Insurance (director)
2020
31-12
Financial Back to profitnet €15k
Net result €15k after 2 loss-making years.
14-07
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
19-03
State Gazette act Resignation: Dominique Dejean (permanent representative)
Appointment: Jan Ottoy (permanent representative)3 facts ▸
  • Board meeting, 19-11-2019
  • Director resignation, Dominique Dejean (permanent representative)
  • Director appointment, Jan Ottoy (permanent representative)
2019
02-09
State Gazette act Appointment: EY Bedrijfsrevisoren (statutory auditor)
Resignation: HypoConnect (statutory auditor) · Mandate compensation4 facts ▸
  • General meeting, 03-06-2019
  • Auditor appointment, EY Bedrijfsrevisoren (statutory auditor)
  • Mandate compensation, EY Bedrijfsrevisoren
  • Auditor resignation, HypoConnect
05-08
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema · 5 days late
2018
13-09
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema · 44 days late
25-06
State Gazette act Registered office
Registered-office move2 facts ▸
  • Board meeting, 14-05-2018
  • Registered-office move, Bischoffsheimlaan 33, 1000 Brussel
22-02
State Gazette act Resignations: Hans VAN CAMPFORT, Olivier NOKERMAN and 2 others
Appointments: Johan VANDENBERGHE, PATRONALE LIFE and 2 others · Permanent representatives: Filip MOEYKENS and Dominique DEJEAN · Name change20 facts ▸
  • General meeting, 30-01-2018
  • Name change, HypoConnect
  • Capital increase, €80.000
  • Reserve creation, 242243, Uitgiftepremie
  • Legal-form conversion, naamloze vennootschap
  • Capital, €320.000
  • Director resignation, Hans VAN CAMPFORT (manager)
  • Director resignation, Olivier NOKERMAN (manager)
  • Director resignation, Johan VANDENBERGHE (manager)
  • Director resignation, Olivier AUVRAY (manager)
  • Director appointment, Johan VANDENBERGHE (director)
  • Director appointment, Johan VANDENBERGHE (managing director)
  • +8 further facts in this act
2017
12-07
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
24-10
State Gazette act Appointments: Johan Vandenberghe, Olivier Nokerman and Hans Van Campfort
5 facts ▸
  • General meeting, 21-09-2016
  • Director appointment, Johan Vandenberghe (manager)
  • Director appointment, Olivier Nokerman (manager)
  • Board meeting, 03-10-2016
  • Director appointment, Hans Van Campfort (voorzitter van het college van zaakvoerders)
14-07
State Gazette act Resignations: PATRONALE LIFE, Olivier Jules AUVRAY and 2 others
Appointment: Hans VAN CAMPFORT (manager) · Purpose change · Statutes amendment11 facts ▸
  • General meeting, 28-06-2016
  • Purpose change, De vennootschap heeft tot doel in België en in het buitenland, uitsluitend in eigen naam en voor eigen rekening: Het verrichten van activiteiten van verzekering…
  • Statutes amendment
  • Director resignation, PATRONALE LIFE (manager)
  • Director resignation, Olivier Jules AUVRAY (manager)
  • Director resignation, FUENTES MANAGEMENT & CONSULTING (manager)
  • Director resignation, FORTAM CONSULTING (manager)
  • Director appointment, Hans VAN CAMPFORT (manager)
  • Mandate compensation, Hans VAN CAMPFORT
  • Power of attorney, Hans VAN CAMPFORT
  • Power of attorney, Eric Jacobs
11-04
State Gazette act Purpose
Purpose change · Statutes amendment3 facts ▸
  • General meeting, 23-03-2016
  • Purpose change, Het optreden als agent, makelaar, commissionair, tussenpersoon of in een andere hoedanigheid die de heersende wetgevingen in dit verband toestaan, voor een bank…
  • Statutes amendment
2015
22-01
State Gazette act Appointment: Olivier AUVRAY (manager)
2 facts ▸
  • General meeting, 09-12-2014
  • Director appointment, Olivier AUVRAY (manager)
2013
04-09
State Gazette act Appointments: FORTAM CONSULTING BVBA, FUENTES MANAGEMENT & CONSULTING BVBA and Patronale Life NV
Permanent representatives: Hans VAN CAMPFORT, Erik LAENEN and Filip MOEYKENS · Resignation: SA STRADEQ (manager) · Director discharge9 facts ▸
  • General meeting, 01-04-2013
  • Director appointment, FORTAM CONSULTING BVBA (manager)
  • Permanent representative, Hans VAN CAMPFORT
  • Director appointment, FUENTES MANAGEMENT & CONSULTING BVBA (manager)
  • Permanent representative, Erik LAENEN
  • Director resignation, SA STRADEQ (manager)
  • Director discharge, SA STRADEQ
  • Director appointment, Patronale Life NV (voorzitter van het college van zaakvoerders)
  • Permanent representative, Filip MOEYKENS
2011
24-06
State Gazette act Appointments: Stradeq SA (manager) and Patronale Life NV (manager)
Resignations: Etienne Nevens (manager) and Filip Moeykens (manager)5 facts ▸
  • General meeting, 09-06-2011
  • Director appointment, Stradeq SA (manager)
  • Director appointment, Patronale Life NV (manager)
  • Director resignation, Etienne Nevens (manager)
  • Director resignation, Filip Moeykens (manager)
2009
21-12
State Gazette act Resignation: Hans Vermeulen (manager)
Appointment: Filip Moeykens (manager)3 facts ▸
  • General meeting, 01-10-2009
  • Director resignation, Hans Vermeulen (manager)
  • Director appointment, Filip Moeykens (manager)
21-12
State Gazette act Resignations: Sociale Investeringsmaatschappij voor Vlaanderen (manager) and Etienne Nevens (manager)
Permanent representative: Willy Vanderstraeten4 facts ▸
  • General meeting, 30-06-2009
  • Director resignation, Sociale Investeringsmaatschappij voor Vlaanderen (manager)
  • Permanent representative, Willy Vanderstraeten
  • Director resignation, Etienne Nevens (manager)
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors
under verification, no change since 2024
This board is reconstructed from a single act (24097206). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Oliver Auvray
Director · since 29-03-2024
Current
PATRONALE LIFE
Director · since 29-03-2024 · Public limited company · perm. rep.: Filip Moeykens
Current
Johan VANDENBERGHE
Managing director · since 30-01-2018
Current
Olivier AUVRAY
Director · since 30-01-2018
Not recently confirmed
PATRONALE LIFE, AFGEKORT : PATRONALE
Director · since 30-01-2018 · Legal entity · perm. rep.: Filip MOEYKENS
Not recently confirmed
BVBA FORTAM CONSULTING
Manager · since 01-04-2013 · Legal entity · perm. rep.: Hans VAN CAMPFORT
Not recently confirmed
2 other directors
FUENTES MANAGEMENT & CONSULTING BVBA
Manager · since 01-04-2013 · Legal entity · perm. rep.: Erik LAENEN
Not recently confirmed
Patronale Life NV
Voorzitter van het college van zaakvoerders · since 09-06-2011 · Legal entity · perm. rep.: Filip MOEYKENS
Not recently confirmed
29-03-2024 Oliver Auvray: Mandate renewed as Director
29-03-2024 PATRONALE LIFE: Mandate renewed as Director
29-03-2024 Johan VANDENBERGHE: Appointed as Managing director
29-03-2024 Johan VANDENBERGHE: Mandate renewed as Director
15-01-2021 ALTRO FINANCE & INSURANCE: Resigned as Director
Full history in the Timeline (37 changes) →
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2006
establishment The establishment unit on the map
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.

Bischoffsheimlaan 331000 Brussel
Ground area
1,284 m²
Building footprint
1,036 m²
Volume, LiDAR
19,795 m³
Parcel 21803C0382/00G000, Brussels · tallest building 26.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
-
Bischoffsheimlaan 33, 1000 BrusselOther activities auxiliary to financial services, excluding insurance and pension funding
since 20062.152.412.281
1 parcel
Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21803C0382/00G000 Brussels 1,284 m² 1 · 1,036 m² 26.4 m · 7 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.

Statutory auditor

1 auditor
EY Bedrijfsrevisoren BVCurrent
Auditor
28-03-2023 → present
Show 1 earlier auditors
EY Bedrijfsrevisoren
Statutory auditor · represented by Christel Weymeersch
succeeded by EY Bedrijfsrevisoren BV in 2023
03-06-2019 → 28-03-2023

Articles of association

Purpose
Het verrichten van activiteiten van verzekeringsbemiddeling... Het verrichten van alle mogelijke bemiddelingen, tussenkomsten en adviesverleningen inzake leningen en kredieten…
Full purpose

Het verrichten van activiteiten van verzekeringsbemiddeling... Het verrichten van alle mogelijke bemiddelingen, tussenkomsten en adviesverleningen inzake leningen en kredieten, verzekeringen en geldplaatsingen.

Structure & network

Connections & network

22 connected companies
Johan VANDENBERGHE, Shared director, links 5 companies JVJohanVANDENBERGHEDemer en Dijle, via Johan VANDENBERGHE DEDemer en DijleGEWESTELIJKE MAATSCHAPPIJ VOOR HUISVESTINGSKREDIET - SOCIETE REGIONALE DE CREDIT AU LOGEMENT, via Johan VANDENBERGHE GMGEWESTELIJKEMAATSCHAPPIJ…HYPOSTART, via Johan VANDENBERGHE HHYPOSTARTSOCODIX, via Johan VANDENBERGHE SSOCODIXINDOMI, via Johan VANDENBERGHE IINDOMIALTRO FINANCIAL SOLUTIONS, Shared director AFALTRO FINANCIALSOLUTIONSASSURALIA (union professionnelle des entreprises d'assurances), Shared director APASSURALIA(union…B4SURE, Shared director BB4SUREBECI-BRUSSELS CHAMBER OF COMMERCE, Shared director BCBECI-BRUSSELSCHAMBER OF…BELLIARD SECURITISATION, 2 shared directors BSBELLIARDSECURITISATIONCREDIT POUR HABITATIONS SOCIALES, 2 shared directors CPCREDIT POURHABITATIONS…CREFIUS, Shared director CCREFIUSELANTIS, Shared director EELANTISHYPOCONNECT HYPOCONNECT0879.105.951
Shared directors
Linked via shared directors
Show 18 more companies with a shared director
INDOMI
via Johan VANDENBERGHE · Director
former
B4SURE
Shared director
CREFIUS
Shared director
ELANTIS
Shared director
LE PORT DE BRUXELLES
Shared director
Manage.O.N.s
Shared director
BANIMMO
Shared corporate director
DERIGIS
Shared corporate director
Ed. Proj. Epsilon
Shared corporate director
Ed. Proj. Gamma
Shared corporate director
PATRONALE REAL ESTATE
Shared corporate director
The Chester Company
Shared corporate director

Ownership & control

1 parent company
Control over this companyparent company per the LEI register1
controls
HYPOCONNECTBE 0879.105.951

Capital and shareholders

Capital over the years
  1. 19-12-2023 Capital stated in the act · 320,000 EUR · 3,200 shares
  2. 22-02-2018 Capital increase of 80,000 EUR · to 320,000 EUR · 800 new shares

Recognitions · licences · registrations

Legal Entity Identifier

549300ZTKLJOCHKBLQ12
live in the LEI register

Similar companies · same sector, comparable size

Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,836 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
Founded02-02-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries
E-mail:info@hypoconnect.be
Enterprise
Phone:02 511 60 06
Enterprise