Losses
-€45,467 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
HBC Premium Bikes
Lifetime
19 annual accounts with figures on one time axis, 22 filings since 2003Gross marginpeak €91,818 (2020)
€65,740▼ 18.3%
Resultlowest -€41,082 (2015)
-€37,957▼ €30,448
Equitypeak €345,053 (2021)
€279,974▼ 11.9%
Debts
€857,804▲ 44.4%
Staffpeak 1.7 FTE (2024)
1.7 FTEunchanged
Board2 names since 2019
1 directorTemmerman Tom
Owners
Documentsfilings and deeds
09-07-202622 days before the deadline
2025abbreviated format
Gross margin from €80,445 to €65,740Loss of €37,957Registered office moved within Sint-Niklaas 17-10Debts from €593,934 to €857,804Investments €161,593Cash from €21,869 to €36,582
Key points
from the 2025 annual accountsDebts
€857,804 75% of the balance sheet
Financial debts 17%Suppliers 43%Taxes and wages 9%Other 31%
Of this, €709,881 falls due within a year.
Investments
€162,588 813.7 × depreciation
Green is investment, beige is depreciation.
Staff
2 employees on 31-12-2025
In 2025, 62 people joined and 61 left.
Filings
22 annual accounts since 2003
Five of the last ten came late. The 2016 accounts came latest: 52 days after the end of the period.
Position in the sector
-€37,957
Lower net result than 90% of companies in retail trade. Sector median €27,541 · 12,801 companies.
Checked score
51
Fair
Financially stronger than 26% of micro companies in retail trade (NACE 47)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.5% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,278 companies (NACE 47, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%lowest value
01-2025: 0.6%● unchanged vs 12-2024lowest value
02-2025: 0.6%● unchanged vs 01-2025lowest value
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.6%▼ -0.1 percentage points vs 04-2025
06-2025: 0.6%● unchanged vs 05-2025
07-2025: 1.0%▲ +0.4 percentage points vs 06-2025
08-2025: 1.7%▲ +0.7 percentage points vs 07-2025
09-2025: 1.2%▼ -0.5 percentage points vs 08-2025
10-2025: 1.2%● unchanged vs 09-2025
11-2025: 2.3%▲ +1.1 percentage points vs 10-2025
12-2025: 2.3%● unchanged vs 11-2025
01-2026: 2.3%● unchanged vs 12-2025
02-2026: 2.3%● unchanged vs 01-2026
03-2026: 2.3%● unchanged vs 02-2026
04-2026: 2.6%▲ +0.3 percentage points vs 03-2026
05-2026: 3.0%▲ +0.4 percentage points vs 04-2026highest value
06-2026: 2.6%▼ -0.4 percentage points vs 05-2026
07-2026: 2.8%▲ +0.2 percentage points vs 06-2026
08-2026: 2.5%▼ -0.3 percentage points vs 07-2026
09-2026: 2.5%● unchanged vs 08-2026
10-2026: 2.5%● unchanged vs 09-2026
11-2026: 2.5%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
Judicial reorganisation on record (2 publications, latest 02-07-2019)
1 change of registered office in 24 months
lowers risk
Size: 1.7 FTE, total assets €1.1m
Figures for financial year 2025 (filed on 09-07-2026)
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 47, micro). It does better than 40% of them on solvency, 19% on liquidity, 19% on profitability and 25% on growth.
The bankruptcy probability was computed on 04-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 2,450 companies had the same profile as HBC Premium Bikes has now. Each dot stands for 7 companies, two years later.
93.2%
were still trading
5.1%
stopped another way
1.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of HBC Premium Bikes itself is higher: 2.5% within 12 months. It rests on far more data about HBC Premium Bikes than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,450 companies, not a prediction for HBC Premium Bikes. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €14,000 on 30-day terms, only on tighter conditions: judicial reorganisation (WER Book XX) on file
Liquidity is tight, with a current ratio of 1.37 (2.72 in 2024), below the usual 1.5. Short-term debt is 62.4% and cash 3.2% of total assets. 75.4% of the assets are financed with debt and provisions.
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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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€37,957
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 days early
2024
13 days late
2023
37 days early
2022
12 days early
2021
23 days late
2020
5 days late
2019
20 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 1 day before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 19 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
05-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
TT
Temmerman Tom
Director
- Avelin 50%score 97equity €370,693 (2025) · 30-06-2024 annual accounts of Avelin
Recent changes
Registered office moved within Sint-Niklaas
New registered office: Kapelstraat 69, 9100 Sint-Niklaas · Previous registered office: Kapelstraat 109 bus B, 9100 Sint-Niklaas · General meeting of 18-09-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0472928547
Resignation: Avelin BV (director)
Permanent representative: Jonathan Van Steelant · Director discharge: Avelin BV · General meeting of 06-07-2022 · Gazette deed
Capital contribution of €62,451.92
Contribution: Temmerman Tom · 750 new shares · Appointment: AVELIN (director) · General meeting of 01-12-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| HBC Premium Bikes Sint-Niklaas | €1.1m | €65,740 | 24.6% | 1.7 |
| Tweewielers Van Impe Marilyne Aalst | €0.7m | €63,327 | 62.4% | 1.1 |
| GEERTS Lummen | €0.7m | €84,324 | 27.8% | 1.5 |
| FIETSEN WIM Ostend | €0.9m | €94,961 | 42.0% | 0.9 |
| COVEMAECKER & CO Vleteren | €0.8m | €94,697 | 85.4% | 0.7 |
| GALERIES DU CYCLE Liège | €0.8m | €91,541 | 84.6% | 3 |
| MARINO QUALITY BIKE Lebbeke | €1.1m | €82,634 | 11.3% | - |
These companies have the same main activity as HBC Premium Bikes: retail sale of bicycles (NACE 47632). They are comparable in size and age: total assets between €679,000 and €1.1m, founded between 1988 and 2008.
Official details
Source: KBO- Status
- Active since 04-10-2000Normal situation
- Activity
- Retail sale of bicyclesNACE 47632and 4 others
- Joint committees
- 149.04Metal trade
- 201Independent retail · annual accounts 2025
- Establishment unit
- 2.101.026.7309100 Sint-Niklaas, since 07-11-2000
- Financial year end
- 31 December
- Peppol
- Reachable since 02-09-2025
Annual accounts 2025
- Turnover
- ≈ €400,000estimated
- Total assets
- €1.1m▲ 24.8%
- Employeeson 31-12-2025
- 2▲ 100%
- Filing
- Filed on 09-07-2026, 22 days before the end of the filing period
Insights on HBC Premium Bikes
HBC Premium Bikes files the abbreviated format. That format states no turnover. The gross margin rose from €9,278 in 2006 to €65,740 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about HBC Premium Bikes
- What is the company number of HBC Premium Bikes?
- The company number of HBC Premium Bikes is 0472.928.547. The VAT number is the same number with BE in front: BE 0472.928.547.
- Where is HBC Premium Bikes based?
- The registered office is at Kapelstraat 69, 9100 Sint-Niklaas.Company details
- What does HBC Premium Bikes do?
- According to the KBO register, the main activity is retail sale of bicycles (NACE 47632).
- What is the legal form of HBC Premium Bikes?
- HBC Premium Bikes is a private limited company (BV).
- When was HBC Premium Bikes founded?
- HBC Premium Bikes was founded on 04-10-2000.
- Is HBC Premium Bikes still active?
- Yes, HBC Premium Bikes is an active enterprise in the KBO register.
- How many employees does HBC Premium Bikes have?
- HBC Premium Bikes had an average of 1.7 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does HBC Premium Bikes fall under?
- In its 2025 annual accounts, HBC Premium Bikes states joint committees 149.04 (Metal trade) and 201 (Independent retail).
- What is the turnover of HBC Premium Bikes?
- The turnover in financial year 2025 is ≈ €400,000. This figure is estimated from the gross margin of €65,740 and 32 comparable companies (NACE 476). It probably lies between €180,000 and €660,000. In financial year 2018 turnover was €189,704.
- Is HBC Premium Bikes profitable?
- In financial year 2025, HBC Premium Bikes made a loss of €37,957.
- Where can I find the annual accounts of HBC Premium Bikes?
- HBC Premium Bikes filed 22 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of HBC Premium Bikes due?
- HBC Premium Bikes must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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