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HB CONSULT

Active
Private limited companyfounded 201411 yrs activeHeerbaan(MAZ) 23, 1745 Opwijk, BelgiumKBO/BCE: BE 0507.723.536
Summary

HB CONSULT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €72,791 and a net result of €34,817. Equity is growing by ~14.2% per year across the filed fiscal years. Its solvency ranks better than 87% of 2095 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
HB CONSULTActiveChecked score 97/100
Risk analysis ReportCompare

Overview

Activity
Other information service activities
NACE 63920NACE 63990
1 site
Size
€81,274total assets 2025
Equity
€72,791
Profit
€34,817
Turnover not published (abridged schema)
Financial health
97 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts on time0 of 2 deeds read
Why 97- Size: total assets €81,274+ Liquidity: current ratio 5.25, cash €32,396+ Equity €72,791 (89.6% of total assets)+ Sector Computing infrastructure, data processing, hosting and other information service activities (NACE 63)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Better than 78% of its sector peers (NACE 63, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 89.6% of total assets
Liquidity 100+25
short-term debt 10.4% · cash 39.9%
Profitability 100=
return on assets 42.8%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.1% (2,926 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%▼ -1.3% vs 11-2024 01-2025: 0.1%▲ +21.8% vs 12-2024 02-2025: 0.2%▲ +90.5% vs 01-2025 03-2025: 0.1%▼ -59.1% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%▲ +1.4% vs 08-2025 10-2025: 0.1%▲ +6.7% vs 09-2025 11-2025: 0.1%▲ +11.3% vs 10-2025 12-2025: 0.1%▲ +1.1% vs 11-2025 01-2026: 0.1%▲ +32.2% vs 12-2025 02-2026: 0.2%▲ +88.2% vs 01-2026highest value 03-2026: < 0.1%▼ -79.0% vs 02-2026lowest value 04-2026: < 0.1%● 0.0% vs 03-2026lowest value 05-2026: < 0.1%● 0.0% vs 04-2026lowest value 06-2026: < 0.1%● 0.0% vs 05-2026lowest value 07-2026: < 0.1%● 0.0% vs 06-2026lowest value 08-2026: < 0.1%● 0.0% vs 07-2026lowest value 09-2026: < 0.1%● 0.0% vs 08-2026lowest value 10-2026: < 0.1%▲ +2.1% vs 09-2026
  • Liquidity: current ratio 5.25, cash €32,396 lowers the probability
  • Size: total assets €81,274 raises the probability for this profile
  • Equity €72,791 (89.6% of total assets) lowers the probability
  • Sector Computing infrastructure, data processing, hosting and other information service activities (NACE 63) lowers the probability
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 5.25 against 2.58 in 2024; short-term debt: 10.4% and cash: 39.9% of total assets), and 10.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 63, micro). Better than this share of them on solvency 85%, liquidity 92%, profitability 85%, growth against the median 51%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 5.25, cash €32,396
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Size: total assets €81,274
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
lowers risk · Equity €72,791 (89.6% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
In the bankruptcy model this factor lowers the probability.
KBO
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 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
1 d early
2022
54 d early
2021
39 d early
2020
2 d early
2019
56 d 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 22 days before the deadline; the sector median for financial year 2024 is 10 days before the deadline, and 32% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today. Usually files around 30 January (4 of the last 5 filed years within 38 days of that day).
Companies Code · seven months
Position in the running window
30-06-2026 close03-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Liquidity doublescurrent ratio 5.25
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 13% on solvencysector median 56.7% · 2,095 companies 89.6% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €34,817 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€81,274
Profit
€34,817
Solvency
89.6%
Total assets▼ 1.3%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2016
Next accounts
by 31-01-2027
  1. 31-01-2026Annual accounts filed
  2. 30-06-2025Liquidity doubles
  3. 31-01-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other information service activitiesNACE 63920
Founded
24-12-2014
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

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