Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 38 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation from Sint-Lambrechts-Woluwe, company number BE0404476934, closed financial year 2025 with a result of € -1.3 million after tax. For that financial year Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation recorded a gross margin of € 621,304 and equity of € 13.3 million. Compared with financial year 2024, the result moved from € 1.1 million to € -1.3 million. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on August 25, 2026.
€ 13.3 million
▼ 10% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1.3 million
▼ still € 1.1 million profit in 2024
Profit after tax over the fiscal year.
€ 199,132
▲ 248% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 9.1 million.
People and assets in 2025
2
Average over the fiscal year, from the social balance sheet.
€ 238,203
▲ 13% vs 2024
€ 119,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1.4 million
▼ 10% vs 2024
Of which on lease € 905,947.
Debts at end 2025
€ 4.6 million
▼ 15% vs 2024
€ 1.1 million is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 75,612
▼ 54% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 356,092
▼ 15% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 4,191,280 | € 640,796 | € 3,403,378 | € 621,304 | ▼ 82% |
| Profit after taxes | € 1,115,889 | € -100,684 | € 1,051,016 | € -1,286,494 | ▼ € 2.3 million |
| Equity | € 14,081,605 | € 13,822,571 | € 14,715,238 | € 13,270,393 | ▼ 10% |
| Total debts | € 9,063,489 | € 11,334,366 | € 8,794,863 | € 8,383,933 | ▼ 5% |
| Cash | € 540,109 | € 1,042,618 | € 57,169 | € 199,132 | ▲ 248% |
| Land & buildings | € 22,185,384 | € 22,550,118 | € 21,504,155 | € 18,777,720 | ▼ 13% |
| Retained profit | € 9,876,605 | € 9,617,571 | € 10,510,238 | € 9,065,393 | ▼ 14% |
| Dividend | € 278,350 | € 158,350 | € 158,350 | € 158,350 | |
| Bank debt | € 5,591,867 | € 7,574,980 | € 5,447,546 | € 4,646,495 | ▼ 15% |
| Balance sheet total | € 27,351,257 | € 28,202,948 | € 26,883,324 | € 24,398,198 | ▼ 9% |
| Employees (FTE) | 2.9 | 2 | 2 | 2 |
Key figures of Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation?
What happened at Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 1.3 million (▼ € 2.3 million vs 2024). filed late Source: NBB ↗
- New establishment in Schaarbeek. KBO
- Start of the company according to the CBE. KBO
In short
From € 1.1 million profit in 2022 to € 1.3 million loss in 2025.
Paid € 602,731 in corporate taxes since 2022.
Best year ever: 2022, with € 1.1 million profit.
On average € 310,700 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Establishments
Establishment units
Physical locations of this company
Lommerlaan 30
1200 Sint-Lambrechts-Woluwe
Leuvensesteenweg 542
1030 Schaarbeek
Active since 24 October 1991
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 5 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0404.476.934
- VAT number
- BE 0404.476.934
- Registered office
- Lommerlaan 30, 1200 Sint-Lambrechts-Woluwe
- Names & denominations
- Hypotheek en Kapitalisatie Maatschappij - Société d'Hypothèque et de Capitalisation · H.K.M.
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 14 February 1962
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen