H.B.C.
ActiveH.B.C. has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €27k and a net result of €-10k. Equity is shrinking by ~18.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 24% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability59=
Solvency46▼-5
Growth72=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.07 against 0.06 in 2024; short-term debt: 79.3% and cash: 5.5% of total assets), and 79.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.7%
Return on assets
-8%
Age of the figures
15 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-10k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
39 d early
2023
38 d early
2022
59 d early
2021
44 d early
2020
43 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€16k▲ 97.6%
2020 · €8k
2020: €8k
2020 → 2021
EBIT margin
-41.8%▲ 139.7pp
2020 · -181.5%
2020: -181.5%
2020 → 2021
Net result
€-10k▲ 8.7%
2024 · €-11k
2019: €-12k
2020: €-13k
2021: €-7k
2022: €-14k
2023: €-13k
2024: €-11k
2019 → 2025
Working capital
€-96k▲ 2.9%
2024 · €-99k
2019: €-111k
2020: €-109k
2021: €-102k
2022: €-102k
2023: €-101k
2024: €-99k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16k-
Equity€75k-€61k▼ 18.3%€49k▼ 20.5%€37k▼ 23.4%€27k▼ 27.9%
Operating result€-6k-€-14k▼ 111%€-13k▲ 8.4%€-11k▲ 9.3%€-10k▲ 8.8%
Net result€-7k-€-14k▼ 110%€-13k▲ 8.4%€-11k▲ 9.3%€-10k▲ 8.7%
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 €10k in 2025 against €11k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€123k▼ 10.0%
Current assets
€8k▲ 27.7%
Equity and liabilities €131k
Equity
€27k▼ 27.9%
Debt
€104k▼ 1.5%
The debt ratio rises from 73.8% to 79.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▲
2024 · €2k
Cash flow
€3k▲
2024 · €2k
Solvency
20.7%▼
2024 · 26.2%
Current ratio
0.07▲
2024 · 0.06
Quick ratio
0.07▲
2024 · 0.06
Debt / equity
3.84▲
2024 · 2.81
ROE
-38.7%▼
2024 · -30.6%
ROA
-8.0%▲
2024 · -8.0%
Interest coverage
73.31▲
2024 · 51.09
Debt
€104k▼
2024 · €105k
Debt ≤ 1 year
€104k▼
2024 · €105k
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€143k€131k▼
Fixed assets21/28€137k€123k▼
Tangible fixed assets22/27€137k€123k▼
Land and buildings22€136k€122k▼
Furniture and vehicles24€982€736▼
Current assets29/58€6k€8k▲
Amounts receivable after more than one year29€619€619=
Other amounts receivable291€619€619=
Cash at bank and in hand54/58€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€143k€131k▼
Equity10/15€37k€27k▼
Contributions10/11€90k€90k=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k€9k=
Other1319€9k€9k=
Profit (loss) carried forward14€-62k€-72k▼
Amounts payable17/49€105k€104k▼
Amounts payable within one year42/48€105k€104k▼
Trade debts44-€1k
Suppliers440/4-€1k
Other amounts payable47/48€105k€102k▼
Accrued charges and deferred income492/3€384-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€4k€5k▲
Operating profit (loss)9901€-11k€-10k▲
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Profit (loss) for the period before taxes9903€-11k€-10k▲
Profit (loss) for the period9904€-11k€-10k▲
Profit (loss) for the period to be appropriated9905€-11k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-72k▼
Profit (loss) brought forward from the previous period14P€-50k€-62k▼
The notes to these accounts (4 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
23-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
24-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €-14k
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2021
18-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
19-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
26-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
15-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Boortmeerbeek · 1 establishment unit since 1996
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.
Mimosalaan 83191 BoortmeerbeekGround area
1,037 m²
Building footprint
195 m²
Volume, LiDAR
991 m³
Parcel 24039B0460/00E002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HBC
since 19962.075.303.122
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24039B0460/00E002 | Flanders | 1,037 m² | 1 · 195 m² | 8.7 m · 2 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 33,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded15-12-1995
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.