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HB-2

Active
Private limited companyfounded 2010active for 16 yearsKalmthoutsesteenweg 32, 2950 Kapellen, BelgiumKBO/BCE: BE 0823.941.556
Summary

HB-2 has been active since 2010 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €12,671 and a net result of -€6,702. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 22,554 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

Risk analysisFollow ReportCompare
HB-2ActiveChecked score 78/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of clothing and accessories for women, men, children and babies (general range)
NACE 47716
2 sites
Size
€180,168total assets 2025
Staff
2.7 FTE
Equity
€12,671
Loss
-€6,702
Turnover not published (abbreviated or micro format)
Financial health
78 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
2025 accounts 2 days early1 of 3 deeds summarised
Why 78raises riskSector: Retail trade (NACE 47)Equity €12,671 (7.0% of total assets)lowers riskSize: total assets €180,168Founded in 2010Show the evidence

Checked score

Score 2025
78 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 18% of its sector peers (NACE 47, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 32-4
equity 7.0% of total assets
Liquidity 17-2
short-term debt 90.9% · cash 13.8%
Profitability 14+5
return on assets -3.7%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,231 companies, NACE 47, micro)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● unchanged vs 11-2024 01-2025: 0.3%● unchanged vs 12-2024lowest value 02-2025: 0.4%▲ +0.1 percentage points vs 01-2025 03-2025: 0.9%▲ +0.5 percentage points vs 02-2025 04-2025: 0.9%● unchanged vs 03-2025 05-2025: 0.9%● unchanged vs 04-2025 06-2025: 0.9%● unchanged vs 05-2025 07-2025: 0.9%● unchanged vs 06-2025 08-2025: 0.9%● unchanged vs 07-2025 09-2025: 0.9%● unchanged vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.8%▼ -0.1 percentage points vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 1.0%▲ +0.2 percentage points vs 01-2026highest value 03-2026: 0.5%▼ -0.5 percentage points vs 02-2026 04-2026: 0.5%● unchanged vs 03-2026 05-2026: 0.5%● unchanged vs 04-2026 06-2026: 0.5%● unchanged vs 05-2026 07-2026: 0.5%● unchanged vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.06, compared with 1.05 in 2024, below the usual 1.5; short-term debt: 90.9% and cash: 13.8% of total assets), and 93% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 24% on solvency, 16% on liquidity, 19% on profitability and 14% on growth.

The bankruptcy probability was computed on 24-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Size: total assets €180,168
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Founded in 2010
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Equity €12,671 (7.0% of total assets)
NBB · annual accounts
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
19202122232425
2019 to 2025 · latest year -€6,702
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 26-02-2026, 2 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
2 days early
2024
2 days early
2023
2 days early
2022
23 days late
2021
9 days late
2020
2 days early
2019
19 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 1 day after the deadline; the sector median (NACE 47) for financial year 2024 is 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 31-07-2026 is due by 28-02-2027. Nothing is late today. The company usually files around 27 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-07-2026 year end25-10-2026 today28-02-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Annual accounts filedfinancial year 2023 · micro…

Key points

  • Caution: 2 loss-making years in a rowloss financial year 2025 -€6,702 View
  • Board2 directors in office 2 View
  • Total assets 20256 financial years filed €180,168 View

By topic

Financials

Financial year
2025
Total assets
€180,168
Loss
-€6,702
Solvency
7.0%
Total assets▲ 3.2%
Net result
20192025
Go to Financials

Timeline

Events
18
Since
2012
Next accounts
by 28-02-2027
  1. 08-12-2023Resignations: Bergé Martine (manager) and Eletech (manager)
  2. 23-03-2023Annual accounts filed
  3. 09-03-2022Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Retail sale of clothing and accessories for women…NACE 47716
Founded
15-03-2010
Year ends
31-07
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
33
Who signs
Each director alone
Annual meeting
First Friday of January at 14:00
Purpose
“De aan- en verkoop,groot- en kleinhandel,de in- en uitvoer,het vervoer,de opslag en…” (deed in Dutch)
Go to Articles of association

Key facts about HB-2

What is the company number of HB-2?
0823.941.556. In Belgium the VAT number is the company number with BE in front: BE 0823.941.556.
Where is HB-2 based?
The registered office is at Kalmthoutsesteenweg 32, 2950 Kapellen.Company details
What does HB-2 do?
According to the KBO register, the main activity is retail sale of clothing and accessories for women, men, children and babies (general range) (NACE 47716).
What is the legal form of HB-2?
Private limited company (BV).
When was HB-2 founded?
On 15-03-2010.
Is HB-2 still active?
Yes, HB-2 is an active enterprise in the KBO register.
How many employees does HB-2 have?
On average 2.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HB-2?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is HB-2 profitable?
In financial year 2025, HB-2 made a loss of €6,702.
Where can I find the annual accounts of HB-2?
HB-2 filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of HB-2 due?
By 28-02-2027, for financial year 2026.Timeline

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