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
HYPOwaas from Beveren-Kruibeke-Zwijndrecht, company number BE0766999685, closed financial year 2025 with a result of € -30,784 after tax. For that financial year HYPOwaas recorded a gross margin of € 157,442 and equity of € 31,104. Compared with financial year 2024, the result moved from € 49,524 to € -30,784. The company made a loss. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on June 29, 2026.
€ 31,104
▲ € 149,216 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -30,784
▼ still € 49,524 profit in 2024
Profit after tax over the fiscal year.
€ 22,685
▼ 61% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -150,896.
People and assets in 2025
2.4
▲ 1.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 167,926
▲ 159% vs 2024
€ 70,000 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.
€ 1,303
▼ 54% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 86,970
▼ 68% vs 2024
€ 5,578 is repaid this year. At this pace the long-term loan is gone in ≈ 16 years.
€ 25,919
▲ € 25,317 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 28,264
▲ 155% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -7,174 | € 68,955 | € 132,066 | € 157,442 | ▲ 19% |
| Profit after taxes | € -100,473 | € -69,162 | € 49,524 | € -30,784 | ▼ € 80,308 |
| Equity | € -98,473 | € -167,635 | € -118,111 | € 31,104 | ▲ € 149,216 |
| Total debts | € 209,704 | € 298,931 | € 284,411 | € 141,153 | ▼ 50% |
| Cash | € 4,294 | € 7,510 | € 58,405 | € 22,685 | ▼ 61% |
| Retained profit | € -100,473 | € -169,635 | € -120,111 | € -150,896 | ▼ € 30,784 |
| Bank debt | € 168,000 | € 277,494 | € 272,334 | € 86,970 | ▼ 68% |
| Balance sheet total | € 111,231 | € 131,296 | € 166,299 | € 172,257 | ▲ 4% |
| Employees (FTE) | 1.4 | 2 | 1 | 2.4 | ▲ 1.4 |
Key figures of HYPOwaas, 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 HYPOwaas?
What happened at HYPOwaas in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 30,784 (▼ € 80,308 vs 2024). Source: NBB ↗
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- New establishment in Lokeren. KBO
- New establishment in Sint-Niklaas. KBO
- New establishment in Beveren-Kruibeke-Zwijndrecht. KBO
- Start of the company according to the CBE. KBO
- Dieter Vandeputte became a director. NBB
- Frederik Van Goethem became a director. NBB
In short
From € 100,473 loss in 2022 to € 30,784 loss in 2025.
Best year ever: 2024, with € 49,524 profit.
On average € 65,600 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
Management
Behind HYPOwaas are Dieter Vandeputte and Frederik Van Goethem. Dieter Vandeputte is also behind HW Waasland.
Directors
According to the 2025 annual accounts
since 2021
Frederik Van Goethem
Director
since 2021
Establishments
Establishment units
Physical locations of this company
Kerktorenstraat 2
9120 Beveren-Kruibeke-Zwijndrecht
Parklaan 47 box a
9100 Sint-Niklaas
Active since 27 July 2021
Zand 1
9160 Lokeren
Active since 1 March 2023
Vrasenestraat(BEV) 40
9120 Beveren-Kruibeke-Zwijndrecht
Active since 1 January 2025
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 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
- 0766.999.685
- VAT number
- BE 0766.999.685
- Registered office
- Kerktorenstraat 2, 9120 Beveren-Kruibeke-Zwijndrecht
- Names & denominations
- HYPOwaas
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 21 April 2021
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen