HB.A
ActiveSummary
HB.A has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-4k) and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 630 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
35
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
balance sheet total too small for a liquidity verdict, and equity is negative.
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
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 2025Age of the figures
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-08-2026, 15 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 · 7 filingsDeviation from the deadline
2025
15 d late
2024
162 d late
2023
527 d late
2022
32 d late
2021
8 d late
2020
30 d late
2019
9 d early
← 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, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€-4k▼ 62.6%
2024 · €-2k
2019: €7k
2020: €-1k
2021: €-5k
2022: €3k
2023: €-2k
2024: €-2k
2019 → 2025
Total assets
€136=
2024 · €136
2019: €8k
2020: €4k
2021: €888
2022: €4k
2023: €392
2024: €136
2019 → 2025
Net result
€-2k▼ 487%
2024 · €-257
2019: €-13k
2020: €-8k
2021: €-4k
2022: €8k
2023: €-5k
2024: €-257
2019 → 2025
Working capital
€-4k▼ 62.6%
2024 · €-2k
2019: €3k
2020: €-1k
2021: €-5k
2022: €3k
2023: €-2k
2024: €-2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€3k€-2k€-2k▼ 11.9%€-4k▼ 62.6%
Operating result€-4k-€9k€-5k€-100▲ 98.1%€-2k▼ 1,407%
Net result€-4k-€8k€-5k€-257▲ 95.2%€-2k▼ 487%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €100 in 2024; the loss grows.
Key figures and ratios
Debt
€4k▲
2024 · €3k
Debt ≤ 1 year
€4k▲
2024 · €3k
Ratios withheld: a balance sheet total of €136 is too small for a meaningful ratio.
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 · 26 lines
Balance sheet
Code20242025
Assets
Total assets20/58€136€136=
Current assets29/58€136€136=
Amounts receivable within one year40/41€86€86=
Other amounts receivable41€86€86=
Cash at bank and in hand54/58€50€50=
Equity and liabilities
Total equity and liabilities10/49€136€136=
Equity10/15€-2k€-4k▼
Contributions10/11€20k€20k=
Profit (loss) carried forward14€-22k€-23k▼
Amounts payable17/49€3k€4k▲
Amounts payable within one year42/48€3k€4k▲
Financial debts43€15€15=
Credit institutions430/8€15€15=
Trade debts44€482€2k▲
Suppliers440/4€482€2k▲
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Other operating charges640/8-€170
Gross operating margin9900€-100€-1k▼
Operating profit (loss)9901€-100€-2k▼
Financial charges65/66B€157-
Recurring financial charges65€157-
Profit (loss) for the period before taxes9903€-257€-2k▼
Profit (loss) for the period9904€-257€-2k▼
Profit (loss) for the period to be appropriated9905€-257€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-22k€-23k▼
Profit (loss) brought forward from the previous period14P€-22k€-22k▼
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
15-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 15 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 162 days late
09-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 527 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
31-12
Financial
Liquidity times 28current ratio 4.18
Current ratio from 0.15 to 4.18; short-term debt falls from €6k to €1k.
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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
1 establishment unit since 2018
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.
Ground area
185 m²
Building footprint
141 m²
Volume, LiDAR
1,081 m³
Parcel 11805E0506/00M026, Flanders · tallest building 13.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Merit
since 20182.273.367.719
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11805E0506/00M026 | Flanders | 185 m² | 1 · 141 m² | 13.0 m · 3 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.
Similar companies · same sector, comparable size
InStyle Project
BE 0553.930.772
Tienen · Eq €3,311
LP Investments
BE 0684.444.272
Antwerpen · Eq €3,156
MY CONCEPT DESIGN
BE 0798.996.225
Sint-Pieters-Leeuw · Eq €3,068
MODELMAKERIJ VAN GERWEN
BE 0473.201.335
Antwerpen · Eq €2,872
Elvan Kalemkus
BE 0740.707.242
Antwerpen · Eq €3,880
Of 3,839 companies in sector 74111 we hold annual accounts for 1,006. 179 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.