HBB SERVICES
ActiveThe computed 12-month bankruptcy probability of HBB SERVICES is 4.4% (elevated). The 2025 annual accounts show equity of €22k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 57% of 4488 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
61
/ 100
Healthy▼ -28 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-37
Solvency61=
Growth85=
Stability100
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.66 against 1.05 in 2024), and 54.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
45.5%
Return on assets
5.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
81 d late
2023
23 d late
2022
206 d late
2021
571 d late
2020
936 d late
2019
91 d late
← before the deadline
after the deadline →
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€30k▲ 96.8%
2022 · €15k
2019: €10k
2020: €10k
2021: €17k
2022: €15k
2019 → 2023
EBIT margin
21.9%▲ 62.3pp
2022 · -40.4%
2019: -89.6%
2020: -158.1%
2021: -44.9%
2022: -40.4%
2019 → 2023
Net result
€3k▼ 93.1%
2024 · €41k
2019: €-9k
2020: €-15k
2021: €-9k
2022: €-6k
2023: €6k
2024: €41k
2019 → 2025
Working capital
€-9k
2024 · €2k
2019: €-9k
2020: €-20k
2021: €-39k
2022: €-37k
2023: €-22k
2024: €2k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€17k-€15k▼ 8.4%€30k▲ 96.8%
Equity€-21k-€-28k▼ 29.6%€-21k▲ 23.3%€19k€22k▲ 14.4%
Operating result€-7k-€-6k▲ 17.6%€7k€43k▲ 552%€8k▼ 82.4%
Net result€-9k-€-6k▲ 33.1%€6k€41k▲ 529%€3k▼ 93.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 82% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€31k▲ 75.7%
Current assets
€18k▼ 45.1%
Equity and liabilities €49k
Equity
€22k▲ 14.4%
Debt
€26k▼ 12.7%
The debt ratio falls from 61.1% to 54.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€14k▼
2024 · €45k
Cash flow
€9k▼
2024 · €43k
Solvency
45.5%▲
2024 · 38.9%
Current ratio
0.66▼
2024 · 1.05
Quick ratio
0.66▼
2024 · 1.05
Debt / equity
1.20▼
2024 · 1.57
ROE
12.6%▼
2024 · 209.7%
ROA
5.7%▼
2024 · 81.6%
Interest coverage
70.48▼
2024 · 26846.18
Debt
€26k▼
2024 · €30k
Debt ≤ 1 year
€26k▼
2024 · €30k
Income taxes
€5k▲
2024 · €2k
Staff costs
€111k▲
2024 · €44k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€50k€49k▼
Fixed assets21/28€18k€31k▲
Tangible fixed assets22/27€18k€31k▲
Furniture and vehicles24€18k€31k▲
Current assets29/58€32k€18k▼
Amounts receivable within one year40/41€32k€17k▼
Trade receivables40€19k€3k▼
Other amounts receivable41€13k€14k▲
Cash at bank and in hand54/58€13€831▲
Equity and liabilities
Total equity and liabilities10/49€50k€49k▼
Equity10/15€19k€22k▲
Contributions10/11€12k€12k=
Profit (loss) carried forward14€7k€10k▲
Amounts payable17/49€30k€26k▼
Amounts payable within one year42/48€30k€26k▼
Trade debts44€13k€6k▼
Suppliers440/4€13k€6k▼
Taxes, remuneration and social security45€17k€20k▲
Taxes450/3€7k€4k▼
Remuneration and social security454/9€9k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€44k€111k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€697€3k▲
Gross operating margin9900€90k€128k▲
Operating profit (loss)9901€43k€8k▼
Financial charges65/66B€2€200▲
Recurring financial charges65€2€200▲
Profit (loss) for the period before taxes9903€43k€7k▼
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€41k€3k▼
Profit (loss) for the period to be appropriated9905€41k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Profit (loss) brought forward from the previous period14P€-34k€7k▲
The notes to these accounts (5 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 81 days late
2024
31-12
Financial
Highest result since 2019net €41k ▲529%
Operating result €43k, net result €41k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.05
Current ratio from 0.29 to 1.05; short-term debt falls from €31k to €30k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 206 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 571 days late
22-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 936 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after 4 loss-making years.
2020
31-12
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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
Registered office, Schaarbeek · 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.
Verboeckhavenstraat 711030 SchaarbeekGround area
177 m²
Building footprint
112 m²
Volume, LiDAR
1,432 m³
Parcel 21906D0101/00F003, Brussels · tallest building 17.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
HBB SERVICES
since 20182.282.291.323
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0101/00F003 | Brussels | 177 m² | 1 · 112 m² | 17.1 m · 5 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
Transports Noll et fils
BE 0778.478.349
Burg-Reuland · Eq €22k
BIM'S
BE 0715.976.004
Brussel · Eq €22k
JOMA-TRANS
BE 0824.565.821
Bever · Eq €22k
AMANA DGS
BE 0524.724.468
Braine-l'Alleud · Eq €22k
IMMO ALBAN
BE 0544.915.811
Grimbergen · Eq €22k
Of 12,449 companies in sector 49410 we hold annual accounts for 8,086. 5,010 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2018
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
81210General cleaning of buildings
52210Service activities incidental to land transportation
53100Postal and courier activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.