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HB CONCEPT & FILS

Active
Private limited companyfounded 2024active for 2 yearsRue du Parc 20, 7370 Dour, BelgiumKBO/BCE: BE 1010.038.135
Summary

The computed 12-month bankruptcy probability of HB CONCEPT & FILS is 2.2% (moderate). The 2025 annual accounts show equity of €19,866 and a net result of €14,866. Its solvency ranks better than 23% of 2,797 sector peers (NACE 41, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 04-06-2024 Normal situation
Activity
General construction of residential buildings NACE 41001and 1 other
Establishment unit
2.360.144.315 7370 Dour, since 04-06-2024
Financial year end
31 December
Peppol
Reachable since 10-11-2025

Board and ownership

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.2%
Annual accounts 2025
Gross margin
€44,439
Turnover
≈ €210,000
estimated
Profit
€14,866
Equity
€19,866
Total assets
€128,031
Staff
0.3 FTE
Score breakdownraises riskFounded in 2024Sector: Construction of residential and non-residential buildings (NACE 41)Size: 0.3 FTE, total assets €128,031lowers riskLiquidity: current ratio 1.10, cash €69,011Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in construction of buildings (NACE 41)
Financial strength
Strong
Solvency 41
equity 15.5% of total assets
Liquidity 68
short-term debt 61.4% · cash 53.9%
Profitability 83
return on assets 11.6%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.5% (13,453 companies, NACE 41, micro)
Last 24 months 07-2025: 3.6% 08-2025: 3.7%▲ +0.1 percentage points vs 07-2025 09-2025: 4.0%▲ +0.3 percentage points vs 08-2025 10-2025: 4.2%▲ +0.2 percentage points vs 09-2025 11-2025: 4.5%▲ +0.3 percentage points vs 10-2025 12-2025: 4.5%● unchanged vs 11-2025 01-2026: 5.0%▲ +0.5 percentage points vs 12-2025 02-2026: 4.9%▼ -0.1 percentage points vs 01-2026 03-2026: 4.8%▼ -0.1 percentage points vs 02-2026 04-2026: 4.8%● unchanged vs 03-2026 05-2026: 5.1%▲ +0.3 percentage points vs 04-2026 06-2026: 5.2%▲ +0.1 percentage points vs 05-2026highest value 07-2026: 2.2%▼ -3.0 percentage points vs 06-2026lowest value 08-2026: 2.2%● unchanged vs 07-2026lowest value 09-2026: 2.2%● unchanged vs 08-2026lowest value 10-2026: 2.2%● unchanged vs 09-2026lowest value 11-2026: 2.2%● unchanged vs 10-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.1, below the usual 1.5. Short-term debt is 61.4% and cash 53.9% of total assets. 84.5% 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 41, micro). It does better than 22% of them on solvency, 73% on liquidity and 66% on profitability.

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 2024
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 1.10, cash €69,011
NBB · annual accounts
raises risk · Sector: Construction of residential and non-residential buildings (NACE 41)
KBO
raises risk · Size: 0.3 FTE, total assets €128,031
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 2797 sector peers (2025).
NBB · sector comparison
Position among 2797 sector peers
Solvency
better than 23%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
60 days early
← before the deadline after the deadline →
Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Key points

  • Caution: Less equity than 81% of companies in construction of buildingssector median €196,253 · 2,797 companies €19,866 View

Recent changes

  1. · Gazette deed IncorporationStarting capital €5,000 · Appointment: Didier,Maxandre Grégory Ange (director)
All 2 events

Comparable companies

These companies have the same main activity as HB CONCEPT & FILS: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €77,800 and €151,000, founded between 2022 and 2025.

CompanyTotal assetsGross margin
HB CONCEPT & FILS Dour€128,031€44,439
Smooth Kortrijk€139,180€41,243
JCH CONSTRUCT Charleroi€151,167€53,874
BOUWONER Brugge€146,663€74,630
All in and out Sint-Pieters-Leeuw€95,936€36,496
SPV SERVICES Ukkel€77,790€54,271
Harotech Peer€108,486€34,868
Full comparison

Key facts about HB CONCEPT & FILS

What is the company number of HB CONCEPT & FILS?
The company number of HB CONCEPT & FILS is 1010.038.135. The VAT number is the same number with BE in front: BE 1010.038.135.
Where is HB CONCEPT & FILS based?
The registered office is at Rue du Parc 20, 7370 Dour.Company details
What does HB CONCEPT & FILS do?
According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
What is the legal form of HB CONCEPT & FILS?
The legal form of HB CONCEPT & FILS is Private limited company (BV).
When was HB CONCEPT & FILS founded?
HB CONCEPT & FILS was founded on 04-06-2024.
Is HB CONCEPT & FILS still active?
Yes, HB CONCEPT & FILS is an active enterprise in the KBO register.
How many employees does HB CONCEPT & FILS have?
HB CONCEPT & FILS had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of HB CONCEPT & FILS?
The turnover in financial year 2025 is ≈ €210,000. This figure is estimated from the gross margin of €44,439 and 35 comparable companies (NACE 41001). It probably lies between €130,000 and €370,000.
Is HB CONCEPT & FILS profitable?
In financial year 2025, HB CONCEPT & FILS made a profit of €14,866.
Where can I find the annual accounts of HB CONCEPT & FILS?
HB CONCEPT & FILS filed 1 annual account with the National Bank of Belgium, for financial year 2025.

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