Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 3 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
HORLOZ FINANCE from Saint-Nicolas, company number BE0451028917, closed financial year 2025 with a result of € -54,082 after tax. For that financial year HORLOZ FINANCE recorded revenue of € 48,951 and equity of € -68,740. Compared with financial year 2024, the result moved from € -4,752 to € -54,082. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 10, 2026.
€ -68,740
▼ € 54,082 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -54,082
▼ 1038 % more loss than in 2024
Profit after tax over the fiscal year.
€ 5,791
▼ 26% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -130,727.
People and assets in 2025
€ 40,431
▼ 6% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 26,484
€ 8,102 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 6,552
▲ 21% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,576
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | - | - | € 28,681 | € 48,951 | ▲ 71% |
| Gross margin | € 10,034 | € 12,239 | € 14,447 | € 23,286 | ▲ 61% |
| Profit after taxes | € 3,209 | € -98,600 | € -4,752 | € -54,082 | ▼ € 49,330 |
| Equity | € 88,694 | € -9,906 | € -14,658 | € -68,740 | ▼ € 54,082 |
| Total debts | € 275,673 | € 313,881 | € 560,508 | € 674,627 | ▲ 20% |
| Cash | € 1,039 | € 2,560 | € 7,789 | € 5,791 | ▼ 26% |
| Land & buildings | - | - | € 274,580 | € 332,661 | ▲ 21% |
| Retained profit | € 26,707 | € -71,893 | € -76,645 | € -130,727 | ▼ € 54,082 |
| Bank debt | € 268,914 | € 307,707 | € 26,484 | € 26,484 | |
| Balance sheet total | € 364,367 | € 303,975 | € 545,850 | € 605,887 | ▲ 11% |
Key figures of HORLOZ FINANCE, 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 HORLOZ FINANCE?
What happened at HORLOZ FINANCE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 54,082. filed late Source: NBB ↗
- New establishment in Saint-Nicolas. KBO
- Start of the company according to the CBE. KBO
In short
From € 3,209 profit in 2022 to € 54,082 loss in 2025.
Paid € 8,999 in corporate taxes since 2022.
Best year ever: 2022, with € 3,209 profit.
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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
Rue Horloz 1
4420 Saint-Nicolas
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0451.028.917
- VAT number
- BE 0451.028.917
- Registered office
- Rue Horloz 1, 4420 Saint-Nicolas
- Names & denominations
- HORLOZ FINANCE
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 30 September 1993
- Peppol
- Not registered