Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 1 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2025.
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Tight liquidity NBB
Cash and receivables cover 12 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
20 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
HZ-INVEST from Pelt, company number BE0645660308, closed financial year 2025 with a result of € -2.5 million after tax. For that financial year HZ-INVEST recorded a gross margin of € -2.4 million and equity of € -536,278. Compared with financial year 2023, the result moved from € -534,497 to € -2.5 million. 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 July 27, 2026.
€ -536,278
▼ € 1.3 million vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2.5 million
▼ 375 % more loss than in 2023
Profit after tax over the fiscal year.
€ 375
▼ 99% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -686,278.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 238,000
▼ 81% vs 2023
Loans from banks and other lenders, long and short.
€ 617,620
▼ 67% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 193,617
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2025 | Change 2023 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 1,436,536 | € -191,493 | € -499,306 | € -2,420,494 | ▼ € 1.9 million |
| Profit after taxes | € 1,025,037 | € -221,521 | € -534,497 | € -2,540,277 | ▼ € 2 million |
| Equity | € 1,536,239 | € 1,314,718 | € 780,221 | € -536,278 | ▼ € 1.3 million |
| Total debts | € 5,203,091 | € 5,240,786 | € 7,393,175 | € 1,582,568 | ▼ 79% |
| Cash | € 5,152 | € 15,144 | € 29,634 | € 375 | ▼ 99% |
| Retained profit | € 1,436,239 | € 1,214,718 | € 680,221 | € -686,278 | ▼ € 1.4 million |
| Bank debt | € 1,227,770 | € 1,227,770 | € 1,227,770 | € 238,000 | ▼ 81% |
| Balance sheet total | € 6,739,330 | € 6,555,504 | € 8,173,396 | € 1,046,290 | ▼ 87% |
Key figures of HZ-INVEST, fiscal years 2021 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 HZ-INVEST?
What happened at HZ-INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 2.5 million. Source: NBB ↗
- TS 33 BV became a director. NBB
- Mieke De Keyzer became a director. NBB
- New establishment in Pelt. KBO
- Start of the company according to the CBE. KBO
In short
From € 1 million profit in 2021 to € 2.5 million loss in 2025.
Paid € 388,930 in corporate taxes since 2021.
Best year ever: 2021, with € 1 million profit.
A new publication or filing at HZ-INVEST? We notify you, reason included.
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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
Management
Behind HZ-INVEST are Mieke De Keyzer and TS 33 BV. The same people are also behind TSB, G.I.V.O., AMI 4, RUMCO and QCII. Mieke De Keyzer is also behind ONE+, HAPPY GARDEN GROUP, SUBLIMMO, TS 33 and LUPES.
Directors
According to the 2025 annual accounts
Establishments
Establishment units
Physical locations of this company
Tielenstraat 33
3900 Pelt
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 20 companies are registered at this address.
All companies at this address →TSB same network
€ -26,320 gross margin · 2025
G.I.V.O. same network
€ 119,497 gross margin · 2025
SUBLIMMO same network
€ -29,668 gross margin · 2024
RUMCO same network
€ -18,540 gross margin · 2024
QCII same network
€ 84,886 gross margin · 2025
+15 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0645.660.308
- VAT number
- BE 0645.660.308
- Registered office
- Tielenstraat 33, 3900 Pelt
- Names & denominations
- HZ-INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 January 2016
- Peppol
- Active · Active since 16 Feb 2026
- Activities · NACE
Handel in eigen onroerend goed