ONDERNEMING HAELWAETERS J.
ActiveONDERNEMING HAELWAETERS J. has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €-4k. Equity is shrinking by ~5.1% per year across the filed fiscal years. Its solvency ranks better than 86% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-21
Solvency100=
Growth32▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.38 against 6.36 in 2024), and 18.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
41 d early
2023
36 d early
2022
25 d early
2021
20 d early
2020
5 d early
2019
25 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▼ 4.3%
2024 · €99k
2018: €132k
2019: €143k
2020: €122k
2021: €97k
2022: €100k
2023: €94k
2024: €99k
2018 → 2025
Total assets
€116k▼ 0.4%
2024 · €116k
2018: €195k
2019: €195k
2020: €171k
2021: €178k
2022: €128k
2023: €106k
2024: €116k
2018 → 2025
Net result
€-4k
2024 · €4k
2018: €3k
2019: €11k
2020: €14k
2021: €4k
2022: €5k
2023: €-6k
2024: €4k
2018 → 2025
Working capital
€94k▼ 0.8%
2024 · €95k
2018: €103k
2019: €113k
2020: €91k
2021: €80k
2022: €88k
2023: €87k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€100k▲ 3.8%€94k▼ 5.8%€99k▲ 4.3%€94k▼ 4.3%
Operating result€8k-€8k▲ 4.9%€-6k€7k€-1k
Net result€4k-€5k▲ 39.4%€-6k€4k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €7k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €116k
Equity
€94k▼ 4.3%
Debt
€22k▲ 21.3%
The debt ratio rises from 15.3% to 18.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €11k
Cash flow
€-747▼
2024 · €8k
Solvency
81.4%▼
2024 · 84.7%
Current ratio
5.38▼
2024 · 6.36
Quick ratio
5.38▼
2024 · 6.36
Debt / equity
0.23▲
2024 · 0.18
ROE
-4.5%▼
2024 · 4.1%
ROA
-3.6%▼
2024 · 3.5%
Interest coverage
15.82▼
2024 · 151.19
Debt
€22k▲
2024 · €18k
Debt ≤ 1 year
€22k▲
2024 · €18k
Income taxes
€3k▼
2024 · €3k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€116k€116k▼
Fixed assets21/28€3k€0▼
Tangible fixed assets22/27€3k€0▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€3k€0▼
Current assets29/58€113k€116k▲
Amounts receivable within one year40/41€2k€1k▼
Trade receivables40€1k€0▼
Other amounts receivable41€913€1k▲
Cash at bank and in hand54/58€107k€111k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€116k€116k▼
Equity10/15€99k€94k▼
Contributions10/11€19k€19k=
Reserves13€82k€72k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€38k€28k▼
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€-2k€4k▲
Amounts payable17/49€18k€22k▲
Amounts payable within one year42/48€18k€22k▲
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€2k€787▼
Taxes450/3€2k€787▼
Other amounts payable47/48€14k€19k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€14k€4k▼
Operating profit (loss)9901€7k€-1k▼
Financial income75/76B€250€251▲
Recurring financial income75€250€251▲
Financial charges65/66B€75€133▲
Recurring financial charges65€75€133▲
Profit (loss) for the period before taxes9903€7k€-1k▼
Income taxes67/77€3k€3k▼
Profit (loss) for the period9904€4k€-4k▼
Transfer from tax-exempt reserves789-€10k
Profit (loss) for the period to be appropriated9905€4k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€4k▲
Profit (loss) brought forward from the previous period14P€-6k€-2k▲
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-6k ▼210%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 8.75
Current ratio from 4.14 to 8.75; short-term debt falls from €28k to €11k.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 4.14
Current ratio from 1.98 to 4.14; short-term debt falls from €81k to €28k.
31-12
Financial
Equity above €100kEq €100k ▲3.8%
5 profitable years in a row build equity to €100k.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €14k ▲32.8%
Operating result €22k, net result €14k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Grimbergen · 1 establishment unit since 1989
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.
Daalstraat 1511852 GrimbergenGround area
2,438 m²
Building footprint
167 m²
Volume, LiDAR
992 m³
Parcel 23005A0027/00T000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ONDERNEMING HAELWAETERS J.
since 19892.045.241.535
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23005A0027/00T000 | Flanders | 2,437 m² | 1 · 167 m² | 9.5 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.
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DE BIE RUDY
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EERLINGS HERMAN
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TEGELS - MOCO
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Of 3,935 companies in sector 43331 we hold annual accounts for 1,777. 1,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-10-1989
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
41001General construction of residential buildings
42110Construction of roads and motorways
45211
45230
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.