Dr J.B. HUBERT
ActiveSummary
Dr J.B. HUBERT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €666k and a net result of €90k. Equity is growing by ~15% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+1
Solvency97▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.69 against 6.93 in 2024; short-term debt: 14.3% and cash: 32.1% of total assets), and 27.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.3%
Return on assets
9.7%
Age of the figures
9 mo
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
29 d late
2023
44 d late
2022
52 d late
2021
38 d late
2020
44 d late
2019
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€666k▼ 2.3%
2024 · €682k
2018: €290k
2019: €333k
2020: €390k
2021: €469k
2022: €527k
2023: €607k
2024: €682k
2018 → 2025
Total assets
€922k▲ 5.9%
2024 · €871k
2018: €937k
2019: €943k
2020: €910k
2021: €902k
2022: €892k
2023: €872k
2024: €871k
2018 → 2025
Net result
€90k▲ 16.8%
2024 · €77k
2018: €47k
2019: €46k
2020: €67k
2021: €89k
2022: €58k
2023: €80k
2024: €77k
2018 → 2025
Working capital
€222k▼ 3.4%
2024 · €230k
2018: €61k
2019: €34k
2020: €87k
2021: €131k
2022: €185k
2023: €170k
2024: €230k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€469k-€527k▲ 12.3%€607k▲ 15.1%€682k▲ 12.3%€666k▼ 2.3%
Operating result€124k-€84k▼ 32.2%€110k▲ 31.9%€110k▼ 0.2%€120k▲ 8.8%
Net result€89k-€58k▼ 35.1%€80k▲ 37.3%€77k▼ 3.6%€90k▲ 16.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €922k
Fixed assets
€568k ▼ 5.6%
Current assets
€354k ▲ 31.6%
Equity and liabilities €922k
Equity
€666k ▼ 2.3%
Debt
€256k ▲ 35.2%
Debt's share of the balance-sheet total rises from 21.7% to 27.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€163k▲
2024 · €156k
Cash flow
€133k▲
2024 · €122k
Current ratio
2.69▼
2024 · 6.93
Debt to equity
0.38▲
2024 · 0.28
ROE
13.5%▲
2024 · 11.3%
ROA
9.7%▲
2024 · 8.8%
Interest coverage
54.60▲
2024 · 36.88
Debt ≤ 1 year
€132k▲
2024 · €39k
Debt > 1 year
€124k▼
2024 · €150k
Income taxes
€31k▼
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€871k€922k▲
Fixed assets21/28€602k€568k▼
Tangible fixed assets22/27€600k€566k▼
Land and buildings22€599k€563k▼
Plant, machinery and equipment23€633€3k▲
Financial fixed assets28€2k€2k=
Current assets29/58€269k€354k▲
Amounts receivable within one year40/41-€6k
Other amounts receivable41-€6k
Current investments50/53€100k€49k▼
Cash at bank and in hand54/58€163k€296k▲
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€871k€922k▲
Equity10/15€682k€666k▼
Contributions10/11€100k€5k▼
Reserves13€228k€298k▲
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Tax-exempt reserves132€35k€35k=
Distributable reserves133€184k€254k▲
Profit (loss) carried forward14€353k€363k▲
Amounts payable17/49€189k€256k▲
Amounts payable after more than one year17€150k€124k▼
Financial debts170/4€144k€124k▼
Other amounts payable178/9€6k-
Amounts payable within one year42/48€39k€132k▲
Current portion of amounts payable after more than one year42€25k€22k▼
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€13k€106k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€43k▼
Other operating charges640/8€6k€5k▼
Gross operating margin9900€161k€168k▲
Operating profit (loss)9901€110k€120k▲
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€109k€120k▲
Income taxes67/77€32k€31k▼
Profit (loss) for the period9904€77k€90k▲
Profit (loss) for the period to be appropriated9905€77k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€425k€443k▲
Profit (loss) brought forward from the previous period14P€349k€353k▲
Transfer to equity691/2€70k€70k=
To other reserves6921€70k€70k=
Profit to be distributed694/7€2k€10k▲
Directors or managers695€2k€10k▲
The notes to these accounts (7 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €90k ▲16.8%
Net result €90k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 6.93
Current ratio from 3.41 to 6.93; short-term debt falls from €70k to €39k.
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
21-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 52 days late
2022
31-12
Financial
Equity above €500kEq €527k ▲12.3%
5 profitable years in a row build equity to €527k.
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 38 days late
2021
13-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 44 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
31-12
Financial
Weakest financial yearnet €46k ▼1.9%
Net result drops to €46k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Assesse · 1 establishment unit since 2006
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.
Rue du Centenaire 435336 AssesseGround area
2,863 m²
Building footprint
270 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Dr J.B. Hubert sprl
since 20062.193.363.307
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92028A0487/00K000 | Wallonia | 1,730 m² | 1 · 124 m² | - |
| 92028A0228/00F003 | Wallonia | 1,133 m² | 1 · 146 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2006
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:docteur.hubert@gmail.com
Phone:083/65.52.36
Fax:083/65.68.07