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H&B MOTORS

Active
Private limited companyfounded 2021active for 5 yearsRombaut Keldermansstraat 18, 9000 Gent, BelgiumKBO/BCE: BE 0774.271.024
Summary

H&B MOTORS has been active since 2021 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €9,345 and a net result of -€8,734. Equity has been shrinking by about 24% per year since 2023. If that trend continues, it turns negative around financial year 2028. Its solvency ranks better than 44% of 22,773 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.4% (low).

Overview

Official details

Source: KBO
Status
Active since 17-09-2021 Normal situation
Activity
Retail sale of cars and light vans (up to 3.5 tonnes) NACE 47811and 1 other
Establishment unit
2.322.045.386 9820 Merelbeke-Melle, since 17-09-2021
Financial year end
30 June
Peppol
Reachable since 18-08-2025

Financial position

63 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.4%
Annual accounts to 30-06-2025
Gross margin
-€4,969
Loss
€8,734
▲ 559%
Equity
€9,345
▼ 48.3%
Total assets
€35,585
▼ 82.6%
Turnover not published (micro format)
Score breakdownraises riskFounded in 2021Loss of €8,734, the second in a row (financial year 2025)Sector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 2.87, cash €4,759, halvedShow the evidence

Checked score

Score 2025
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 29% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Weak
Solvency 51+17
equity 26.3% of total assets
Liquidity 51+34
short-term debt 34.6% · cash 13.4%
Profitability 0-22
return on assets -24.5%
Bankruptcy probability within 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 12-2024: 1.0%lowest value 01-2025: 1.0%● unchanged vs 12-2024 02-2025: 1.5%▲ +0.5 percentage points vs 01-2025 03-2025: 2.1%▲ +0.6 percentage points vs 02-2025highest value 04-2025: 2.1%● unchanged vs 03-2025highest value 05-2025: 1.8%▼ -0.3 percentage points vs 04-2025 06-2025: 1.8%● unchanged vs 05-2025 07-2025: 1.7%▼ -0.1 percentage points vs 06-2025 08-2025: 1.7%● unchanged vs 07-2025 09-2025: 1.7%● unchanged vs 08-2025 10-2025: 1.7%● unchanged vs 09-2025 11-2025: 1.8%▲ +0.1 percentage points vs 10-2025 12-2025: 1.8%● unchanged vs 11-2025 01-2026: 1.9%▲ +0.1 percentage points vs 12-2025 02-2026: 1.3%▼ -0.6 percentage points vs 01-2026 03-2026: 1.3%● unchanged vs 02-2026 04-2026: 1.3%● unchanged vs 03-2026 05-2026: 1.3%● unchanged vs 04-2026 06-2026: 1.3%● unchanged vs 05-2026 07-2026: 1.3%● unchanged vs 06-2026 08-2026: 1.3%● unchanged vs 07-2026 09-2026: 1.3%● unchanged vs 08-2026 10-2026: 1.4%▲ +0.1 percentage points vs 09-2026 11-2026: 1.4%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.87 (1.25 in 2024), above the usual 1.5. Short-term debt is 34.6% and cash 13.4% of total assets. However, 73.7% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, micro). It does better than 42% of them on solvency, 56% on liquidity, 6% on profitability and 11% on growth.

The bankruptcy probability was computed on 02-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Founded in 2021
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
lowers risk · Liquidity: current ratio 2.87, cash €4,759, halved
NBB · annual accounts
raises risk · Loss of €8,734, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
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 2025
Net result per financial year
232425
2023 to 2025 · latest year -€8,734
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 15-01-2026, 16 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
16 days early
2024
28 days late
2023
26 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 3 accounts on average 13 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 February (3 of the last 3 accounts filed within 42 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end02-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Lower net result than 81% of companies in retail tradesector median €5,084 · 22,754 companies -€8,734 View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€8,734 View

Recent changes

  1. · Gazette deed Incorporation
All 6 events

Comparable companies

These companies have the same main activity as H&B MOTORS: retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811). They are comparable in size and age: total assets between €29,500 and €43,200, founded between 2020 and 2022.

CompanyTotal assetsGross margin
H&B MOTORS Gent€35,585-€4,969
CLRBT Tournai€35,887-€11,706
SERDU Steenokkerzeel€35,876-€10,206
Car & Truck Services Centre Kontich€31,743-€1,741
AYLA CARS Sambreville€29,488-€1,001
AUTO SLINE Dilbeek€43,248-€15,001
AUTOHAN Londerzeel€37,635€1,132
Full comparison

Key facts about H&B MOTORS

What is the company number of H&B MOTORS?
The company number of H&B MOTORS is 0774.271.024. The VAT number is the same number with BE in front: BE 0774.271.024.
Where is H&B MOTORS based?
The registered office is at Rombaut Keldermansstraat 18, 9000 Gent.Company details
What does H&B MOTORS do?
According to the KBO register, the main activity is retail sale of cars and light vans (up to 3.5 tonnes) (NACE 47811).
What is the legal form of H&B MOTORS?
The legal form of H&B MOTORS is Private limited company (BV).
When was H&B MOTORS founded?
H&B MOTORS was founded on 17-09-2021.
Is H&B MOTORS still active?
Yes, H&B MOTORS is an active enterprise in the KBO register.
What is the turnover of H&B MOTORS?
The annual accounts for financial year 2025 state no turnover. The micro format does not require it. In financial year 2023 turnover was €376,690.Financials
Is H&B MOTORS profitable?
In financial year 2025, H&B MOTORS made a loss of €8,734.
Where can I find the annual accounts of H&B MOTORS?
H&B MOTORS filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of H&B MOTORS due?
H&B MOTORS must file the annual accounts for financial year 2026 by 31-01-2027.Timeline

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