HBDA
ActiveSummary
The computed 12-month bankruptcy probability of HBDA is 4.4% (elevated). The 2024 annual accounts show negative equity (€-20k) and a net result of €-30k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 9982 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-67
Solvency3▼-31
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.45 against 0.71 in 2023; short-term debt: 67.5% and cash: 9.3% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-22.2%
Return on assets
-33.5%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
21222324
2021 to 2024 · latest year €-20k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
49 d late
2023
25 d early
2022
31 d late
2021
9 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-20k
2023 · €10k
2021: €8k
2022: €12k▲ +54.4% vs 2021highest in 4 years
2023: €10k▼ -14.8% vs 2022
2024: €-20k▼ -296% vs 2023lowest in 4 years
2021 → 2024
Total assets
€90k▼ 21.4%
2023 · €114k
2021: €37klowest in 4 years
2022: €41k▲ +8.9% vs 2021
2023: €114k▲ +181% vs 2022highest in 4 years
2024: €90k▼ -21.4% vs 2023
2021 → 2024
Net result
€-30k▼ 1,604%
2023 · €-2k
2021: €5khighest in 4 years
2022: €4k▼ -10.9% vs 2021
2023: €-2k▼ -142% vs 2022
2024: €-30k▼ -1604% vs 2023lowest in 4 years
2021 → 2024
Working capital
€-33k▼ 150%
2023 · €-13k
2021: €-5k
2022: €-1k▲ +79.5% vs 2021highest in 4 years
2023: €-13k▼ -1125% vs 2022
2024: €-33k▼ -150% vs 2023lowest in 4 years
2021 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€8k-€12k▲ 54.4%€10k▼ 14.8%€-20k
2021: €8k
2022: €12k▲ +54.4% vs 2021highest in 4 years
2023: €10k▼ -14.8% vs 2022
2024: €-20k▼ -296% vs 2023lowest in 4 years
Operating result€6k-€11k▲ 74.3%€4k▼ 63.9%€-28k
2021: €6k
2022: €11k▲ +74.3% vs 2021highest in 4 years
2023: €4k▼ -63.9% vs 2022
2024: €-28k▼ -812% vs 2023lowest in 4 years
Net result€5k-€4k▼ 10.9%€-2k€-30k▼ 1,604%
2021: €5khighest in 4 years
2022: €4k▼ -10.9% vs 2021
2023: €-2k▼ -142% vs 2022
2024: €-30k▼ -1604% vs 2023lowest in 4 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €28k after €4k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €90k
Fixed assets
€62k ▼ 24.1%
Current assets
€28k ▼ 14.6%
Key figures and ratios
EBITDA
€-8k▼
2023 · €16k
Cash flow
€-10k▼
2023 · €10k
Solvency
-22.2%▼
2023 · 8.9%
Current ratio
0.45▼
2023 · 0.71
Debt to equity
-5.51▼
2023 · 10.27
ROA
-33.5%▼
2023 · -1.5%
Interest coverage
-4.29▼
2023 · 6.65
Debt
€109k▲
2023 · €104k
Debt ≤ 1 year
€61k▲
2023 · €45k
Debt > 1 year
€49k▼
2023 · €58k
Income taxes
€447▼
2023 · €3k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 39 lines
Balance sheet
Code20232024
Assets
Total assets20/58€114k€90k▼
Fixed assets21/28€82k€62k▼
Tangible fixed assets22/27€82k€62k▼
Furniture and vehicles24€82k€62k▼
Current assets29/58€32k€28k▼
Amounts receivable within one year40/41€23k€17k▼
Trade receivables40€23k€17k▼
Cash at bank and in hand54/58€8k€8k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€114k€90k▼
Equity10/15€10k€-20k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€7k€-23k▼
Amounts payable17/49€104k€109k▲
Amounts payable after more than one year17€58k€49k▼
Financial debts170/4€58k€49k▼
Amounts payable within one year42/48€45k€61k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€3k€18k▲
Suppliers440/4€3k€18k▲
Taxes, remuneration and social security45€19k€11k▼
Taxes450/3€19k€8k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€14k€21k▲
Accrued charges and deferred income492/3-€166
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€20k▲
Other operating charges640/8€9k€4k▼
Gross operating margin9900€25k€-4k▼
Operating profit (loss)9901€4k€-28k▼
Financial income75/76B€1€5▲
Recurring financial income75€1€5▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€2k€-30k▼
Income taxes67/77€3k€447▼
Profit (loss) for the period9904€-2k€-30k▼
Profit (loss) for the period to be appropriated9905€-2k€-30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-23k▼
Profit (loss) brought forward from the previous period14P€9k€7k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3k | €4k | €12k | €20k | ▲ 65.3% |
| Other operating charges640/8 | €401 | €3k | €9k | €4k | ▼ 52.0% |
| Gross operating margin9900 | €9k | €17k | €25k | €-4k | ▼ 114% |
| Operating profit (loss)9901 | €6k | €11k | €4k | €-28k | ▼ 812% |
| Financial income75/76B | €0 | €0 | €1 | €5 | ▲ 828% |
| Recurring financial income75 | €0 | €0 | €1 | €5 | ▲ 828% |
| Financial charges65/66B | €165 | €2k | €2k | €2k | ▼ 22.2% |
| Recurring financial charges65 | €165 | €2k | €2k | €2k | ▼ 22.2% |
| Profit (loss) for the period before taxes9903 | €6k | €9k | €2k | €-30k | ▼ 2,059% |
| Income taxes67/77 | €1k | €5k | €3k | €447 | ▼ 86.3% |
| Profit (loss) for the period9904 | €5k | €4k | €-2k | €-30k | ▼ 1,604% |
| Profit (loss) for the period to be appropriated9905 | €5k | €4k | €-2k | €-30k | ▼ 1,604% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €37k | €41k | €114k | €90k | ▼ 21.4% |
| Fixed assets21/28 | €15k | €14k | €82k | €62k | ▼ 24.1% |
| Intangible fixed assets21 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €15k | €14k | €82k | €62k | ▼ 24.1% |
| Furniture and vehicles24 | €15k | €14k | €82k | €62k | ▼ 24.1% |
| Current assets29/58 | €23k | €27k | €32k | €28k | ▼ 14.6% |
| Amounts receivable within one year40/41 | €11k | €25k | €23k | €17k | ▼ 27.9% |
| Trade receivables40 | €11k | €25k | €23k | €17k | ▼ 27.9% |
| Cash at bank and in hand54/58 | €12k | €2k | €8k | €8k | ▲ 7.4% |
| Deferred charges and accrued income490/1 | - | - | €1k | €2k | ▲ 97.1% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €37k | €41k | €114k | €90k | ▼ 21.4% |
| Equity10/15 | €8k | €12k | €10k | €-20k | ▼ 296% |
| Contributions10/11 | €3k | €3k | €3k | €3k | = |
| Profit (loss) carried forward14 | €5k | €9k | €7k | €-23k | ▼ 421% |
| Amounts payable17/49 | €30k | €29k | €104k | €109k | ▲ 5.3% |
| Amounts payable after more than one year17 | - | - | €58k | €49k | ▼ 16.6% |
| Financial debts170/4 | - | - | €58k | €49k | ▼ 16.6% |
| Amounts payable within one year42/48 | €28k | €28k | €45k | €61k | ▲ 33.2% |
| Current portion of amounts payable after more than one year42 | - | - | €9k | €10k | ▲ 4.1% |
| Trade debts44 | €3k | €7k | €3k | €18k | ▲ 431% |
| Suppliers440/4 | €3k | €7k | €3k | €18k | ▲ 431% |
| Taxes, remuneration and social security45 | €5k | €12k | €19k | €11k | ▼ 40.8% |
| Taxes450/3 | €4k | €12k | €19k | €8k | ▼ 56.0% |
| Remuneration and social security454/9 | €1k | - | - | €3k | - |
| Other amounts payable47/48 | €20k | €9k | €14k | €21k | ▲ 53.2% |
| Accrued charges and deferred income492/3 | €2k | €871 | - | €166 | - |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €5k | €4k | €-2k | €-30k | ▼ 1,604% |
| + Depreciation and write-downs630 | €3k | €4k | €12k | €20k | ▲ 65.3% |
| Operating cash flow (approximation) | €7k | €8k | €10k | €-10k | ▼ 201% |
| Investment in fixed assets (approximation) | - | €-3k | €-80k | €0 | ▲ 100% |
| Change in cash | - | €-10k | €6k | €573 | ▼ 89.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
22-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Chaumont-Gistoux · 1 establishment unit since 2021
Ground area
1,434 m²
Building footprint
129 m²
Parcel 25018D0345/00A000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
HBDA
since 20212.325.538.475
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018D0345/00A000 | Wallonia | 1,434 m² | 1 · 129 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,779 companies in sector 41001 we hold annual accounts for 16,044. 9,338 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43341Painting of buildings
43410Roofing work
43990Other specialised construction activities
93127Equestrian clubs
93199Other sports activities
Scores and ratios are computed by Checked and are not a credit decision.