Summary
Conclusion
the dossier summarised in one paragraphHB Antwerp is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show negative equity (€-2.16M) and a net result of €-4.21M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 678 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 678 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 12 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-10-2025, 84 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.
How we compute the deadline
The year end is derived from 4 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 23-10-2025 | 84 d late | 2025-00548119 |
| 31-12-2023 | 31-07-2024 | 02-01-2025 | 155 d late | 2025-00629036 |
| 31-12-2022 | 31-07-2023 | 12-06-2024 | 317 d late | 2024-00126434 |
| 31-12-2021 | 31-07-2022 | 13-09-2022 | 44 d late | 2022-20428216 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2020, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Financials
Equity€-2.16M
Net result€-4.21M-422.5%
Total assets€7.11M-28.4%
Solvency-30.4%-51.0pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 23-10-2025 with the NBB · fiscal year 2024 · volledig
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (full schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | -30.4% | 44.9% | |
| Net result | €-4.21M | €48k | |
| Equity | €-2.16M | €1.36M | |
| Total assets | €7.11M | €5.58M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P5
Weakening position over 2021-2024
· n=223-678
P5
Weakening position over 2021-2024
· n=223-677
P5
Stable position over 2021-2024
· n=223-678
P54
Improving position over 2021-2024
· n=223-678
Describes the position versus peers, not a forecast.
€-4.21M
-422.5%
21-24
€7.11M
-28.4%
21-24
€-2.16M
-
21-24
€9.27M
+17.7%
21-24
€9.23M
+17.1%
21-24
-30.4%
-
21-24
194.9%
-
21-24
-59.2%
-629.7%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | volledig |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-4.21M |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €7.11M |
| Equity | €-2.16M |
| Debt | €9.27M |
| of which ≤ 1y | €9.23M |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | -30.4% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -59.2% |
| ROE | 194.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €7.11M |
| Fixed assets | 21/28 | €109k |
| Tangible fixed assets | 22/27 | €10k |
| Financial fixed assets | 28 | €99k |
| Current assets | 29/58 | €7.00M |
| Amounts receivable within one year | 40/41 | €7.00M |
| Cash & bank | 54/58 | €33 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €7.11M |
| Equity | 10/15 | €-2.16M |
| Contributions / capital | 10/11 | €10k |
| Accumulated profits (losses) | 14 | €-2.17M |
| Amounts payable | 17/49 | €9.27M |
| Amounts payable within one year | 42/48 | €9.23M |
| Trade debts payable within one year | 44 | €243k |
| Income statement | ||
| Operating result | 9901 | €-708k |
| Financial income | 75 | €568k |
| Financial charges | 65 | €349k |
| Result before taxes | 9903 | €-4.21M |
| Net result for the period | 9904 | €-4.21M |
| Result to be appropriated | 9905 | €-4.21M |
You're seeing the latest fiscal year only. Unlock 3 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
Roy SeberDirectorState Gazette act 25052589 (22-04-2025)Current22-04-2025 → present
Former directors (2)
-
KSDT82DirectorState Gazette act 25061924 (14-05-2025)Former- → 28-04-2025
-
The HB CompanyDirectorState Gazette act 25061924 (14-05-2025)Former- → 28-04-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 30-12-2020 |
| Status | Active |
| Postal code | 2018 |
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyHB AntwerpBE 0760.668.555
controls
Where this company holds controlthis company sits on their board1
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Hoveniersstraat 512018 AntwerpenEstablishment units
1 locationHB Antwerp
since 20202.311.481.492
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area2,937 m²
Buildings1
Building footprint2,012 m²
Volume (LiDAR)51,458 m³
Tallest building41.6 m · ±10 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1182/00F018 | Flanders | 2,937 m² | 1 · 2,012 m² | 41.6 m · 10 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
5 acts All acts · 5
updated 2 months ago
2026
27-05-2026 Merger · Accounting effect · Tax qualification · Power of attorney
- Filing: 2026-05-13 · HB IP NV
- Merger: type: geruisloze zusterfusie, deed_date: 2026-05-13proposed · HB IP NV
- Accounting effect: 2026-01-01proposed · HB IP NV
- Tax qualification: vrijstellingsregimeproposed · HB IP NV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB IP NV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB IP NV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren voor de neerlegging en publicatie van het fusievoorstel te ondertekenen en de neerlegging bij de griffie van de ondernemingsrechtbank te verzorgenproposed · HB IP NV
- Publication: 2026-05-27
- Act object: NEERLEGGING FUSIEVOORSTEL
Summary:
Merger · Accounting effect · Tax qualification · Power of attorney
27-05-2026 Merger · Accounting effect · Tax qualification · Power of attorney
- Filing: 2026-05-13 · HB Trading BV
- Merger: type: geruisloze zusterfusie, method: fusie door overneming, legal_basis: artikelen 12:7,2° juncto 12:50 WVVproposed · HB IP NV
- Accounting effect: 2026-01-01proposed · HB IP NV
- Tax qualification: regime: vrijstellingsregimeproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB IP NV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB IP NV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB Trading BV
- Power of attorney: date: 2026-05-13, role: bijzonder gevolmachtigde, scope: publicatieformulieren ondertekenen, neerlegging verzorgen, documenten tekenenproposed · HB IP NV
- Statute amendment: reason: voorwerp niet ruim genoeg na fusie, article: artikel 4proposed · HB Trading BV
- General meeting: date: nader te bepalen datum, type: buitengewone algemene vergadering, purpose: goedkeuring fusievoorstelproposed · HB Trading BV
- General meeting: date: nader te bepalen datum, type: buitengewone algemene vergadering, purpose: goedkeuring fusievoorstelproposed · HB IP NV
- Association membership: type: 100% aandeelhouderproposed · HB Trading BV
- Association membership: type: 100% aandeelhouderproposed · HB IP NV
- Publication: 2026-05-27
- Act object: NEERLEGGING FUSIEVOORSTEL
Summary:
Merger · Accounting effect · Tax qualification · Power of attorney
2025
15-09-2025 Tim Vermeiren reappointed as statutory auditor
- Tim Vermeiren, Commissaris
14-05-2025 2 directors appointed, 2 resigning
- iedere bestuurder van de Vennootschap, Bestuurder
- Adriaan de Leeuw, Bestuurder
- KSDT82, Bestuurder
- The HB Company, Bestuurder
22-04-2025 2 directors appointed
- Roy Seber, Bestuurder
- Adriaan de Leeuw, Dagelijks bestuur
Analysis
Snowflake analysis
financial profile on 5 axes66
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
39
Growth
32
Stability
94
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Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameNL | HB Antwerp |
Registered office
Hoveniersstraat 51
2018 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.