H AND B
ActiveH AND B has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €115. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 31540 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41=
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 90.48 against 15.85 in 2024; short-term debt: 1.1% and cash: 1.4% of total assets), and 1.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
98.9%
Return on assets
1.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
18 d late
2024
27 d late
2023
25 d late
2022
27 d late
2021
21 d late
2020
16 d late
2019
30 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▲ 1.4%
2024 · €8k
2018: €17k
2019: €15k
2020: €14k
2021: €12k
2022: €13k
2023: €8k
2024: €8k
2018 → 2025
Total assets
€8k▼ 3.9%
2024 · €9k
2018: €25k
2019: €20k
2020: €20k
2021: €20k
2022: €14k
2023: €24k
2024: €9k
2018 → 2025
Net result
€115▼ 0.6%
2024 · €116
2018: €-1k
2019: €280
2020: €160
2021: €159
2022: €211
2023: €8k
2024: €116
2018 → 2025
Working capital
€8k▲ 1.4%
2024 · €8k
2018: €17k
2019: €15k
2020: €14k
2021: €12k
2022: €13k
2023: €8k
2024: €8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€12k-€13k▲ 1.7%€8k▼ 36.3%€8k▲ 1.4%€8k▲ 1.4%
Operating result€-55-€0€10k€-103€-66▲ 36.1%
Net result€159-€211▲ 32.6%€8k▲ 3,873%€116▼ 98.6%€115▼ 0.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €66 in 2025 against €103 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €8k
Equity
€8k▲ 1.4%
Debt
€93▼ 83.2%
The debt ratio falls from 6.3% to 1.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
98.9%▲
2024 · 93.7%
Current ratio
90.48▲
2024 · 15.85
Quick ratio
90.48▲
2024 · 15.85
Debt / equity
0.01▼
2024 · 0.07
ROE
1.4%▼
2024 · 1.4%
ROA
1.4%▲
2024 · 1.3%
Debt
€93▼
2024 · €551
Debt ≤ 1 year
€93▼
2024 · €551
Income taxes
€42▼
2024 · €51
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€9k€8k▼
Current assets29/58€9k€8k▼
Amounts receivable within one year40/41€9k€8k▼
Trade receivables40€0-
Other amounts receivable41€9k€8k▼
Cash at bank and in hand54/58€75€121▲
Equity and liabilities
Total equity and liabilities10/49€9k€8k▼
Equity10/15€8k€8k▲
Contributions10/11€6k€6k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€116€231▲
Amounts payable17/49€551€93▼
Amounts payable within one year42/48€551€93▼
Taxes, remuneration and social security45€51€93▲
Taxes450/3€51€93▲
Other amounts payable47/48€500€0▼
Income statement
Code20242025
Gross operating margin9900€-103€-66▲
Operating profit (loss)9901€-103€-66▲
Financial income75/76B€322€277▼
Recurring financial income75€322€277▼
Financial charges65/66B€53€55▲
Recurring financial charges65€53€55▲
Profit (loss) for the period before taxes9903€167€157▼
Income taxes67/77€51€42▼
Profit (loss) for the period9904€116€115▼
Profit (loss) for the period to be appropriated9905€116€115▼
Appropriation of the result
Profit (loss) to be appropriated9906€116€231▲
Profit (loss) brought forward from the previous period14P€0€116▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (1 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Liquidity times 6current ratio 90.48
Current ratio from 15.85 to 90.48; short-term debt falls from €551 to €93.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Liquidity times 10current ratio 15.85
Current ratio from 1.51 to 15.85; short-term debt falls from €16k to €551.
25-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 25 days late
2023
31-12
Financial
Highest result since 2018net €8k ▲3873%
Operating result €10k, net result €8k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
31-12
Financial
Liquidity times 6current ratio 15.59
Current ratio from 2.64 to 15.59; short-term debt falls from €8k to €868.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
31-12
Financial
Back to profitnet €280
Net result €280 after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Sint-Gillis (bij-Brussel) · 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.
Schotlandstraat 421060 Sint-Gillis (bij-Brussel)Ground area
36 m²
Building footprint
48 m²
Volume, LiDAR
700 m³
Parcel 21013B0017/00V006, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
H&B
since 20062.155.709.588
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0017/00V006 | Brussels | 36 m² | 1 · 48 m² | 17.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 20,854 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded31-07-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.